Southern Missouri Bancorp Inc 2026年季度报告

FORM10-Q (Mark One) ☒QUARTERLY REPORT PURSUANT TO SECTION13 OR 15(d)OF THE SECURITIES EXCHANGEACT OF 1934 For the quarterly period endedDecember 31, 2025 OR ☐TRANSITION REPORT PURSUANT TO SECTION13 OR 15(d)OF THE SECURITIES EXCHANGEACT OF 1934 For the transition period fromto Commission file number0-23406 (573) 778-1800Registrant’s telephone number, including area code Securities registered pursuant to Section12(b)of the Act: Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or15(d)of the Securities Exchange Act of 1934 during the preceding 12months (or for such shorter period that theregistrant was required to file such reports), and (2)has been subject to such filing requirements for the past 90days. Yes☒ Indicate by check mark whether the registrant has submitted electronically every Interactive Data file requiredto be submitted pursuant to Rule405 of regulation S-T (§232.405 of this chapter) during the preceding 12months (orfor such shorter period that the registrant was required to submit such files). Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See definition of “large accelerated filer,” “accelerated filer,” and“smaller reporting company” in Rule12b-2 of the Exchange Act (check one): Large accelerated filer☐Accelerated filer☒Non-accelerated filer☐Smaller reportingcompany☐Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extendedtransition period for complying with any new or revised financial accounting standards provided pursuant to section13(a)of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule12 b-2 of the ExchangeAct) Indicate the number of shares outstanding of each of the registrant’s classes of common stock, as of the latestpracticable date: ClassOutstanding at February 6, 2026Common Stock, Par Value $.0111,108,279 shares SOUTHERN MISSOURI BANCORP,INC.FORM10-Q INDEX PARTI.Financial InformationPAGENO.Item1.Condensed Consolidated Financial Statements3-Condensed Consolidated Balance Sheets3-Condensed Consolidated Statements of Income4-Condensed Consolidated Statements of Comprehensive Income5-Condensed Consolidated Statements of Stockholders’ Equity6-Condensed Consolidated Statements of Cash Flows7-Notesto Condensed Consolidated Financial Statements8Item2.Management’s Discussion and Analysis of Financial Condition and Results ofOperations42Item3.Quantitative and Qualitative Disclosures about Market Risk60Item4.Controls and Procedures63PARTII.OTHER INFORMATION64Item1.Legal Proceedings64Item1a.Risk Factors64Item2.Unregistered Sales of Equity Securities and Use of Proceeds64Item3.Defaults upon Senior Securities64Item4.Mine Safety Disclosures64Item5.Other Information64Item6.Exhibits66-Signature Page68 PARTI:Item1:Condensed Consolidated Financial Statements SOUTHERN MISSOURI BANCORP,INC.CONDENSED CONSOLIDATED BALANCE SHEETSDECEMBER 31, 2025 AND JUNE30, 2025 December31,2025June30,2025(dollars in thousands)(unaudited)AssetsCash and cash equivalents$134,061$192,859Interest-bearing time deposits248246Available for sale securities444,965460,844Stock in FHLB of Des Moines9,4069,361Stock in Federal Reserve Bank of St. Louis9,1469,139Loans held for sale1,271431Loans receivable, net of ACL of $54,465 and $51,629 atDecember31,2025 and June30,2025, respectively4,172,0914,048,961Accrued interest receivable32,60326,018Premises and equipment, net94,56095,982Bank owned life insurance – cash surrender value76,79375,691Goodwill50,72750,727Other intangible assets, net21,32222,994Prepaid expenses and other assets47,19426,354Total assets$5,094,387$5,019,607 SOUTHERN MISSOURI BANCORP, INCCONDENSED CONSOLIDATED STATEMENTS OF INCOMEFOR THE THREE- AND SIX- MONTH PERIODS ENDED DECEMBER 31, 2025 AND 2024(Unaudited) SOUTHERN MISSOURI BANCORP, INCCONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOMEFOR THE THREE- AND SIX-MONTH PERIODS ENDED DECEMBER 31, 2025 AND 2024(Unaudited) See Notesto Condensed Consolidated Financial Statements SOUTHERN MISSOURI BANCORP, INCCONDENSED CONSOLIDATED STATEMENTS OF STOCKHOLDERS’ EQUITYFOR THE THREE- AND SIX-MONTH PERIODS ENDED DECEMBER 31, 2025 AND 2024(Unaudited) SOUTHERN MISSOURI BANCORP,INC.CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWSFOR THE SIX- MONTH PERIODS ENDED DECEMBER 31, 2025 AND 2024 (Unaudited) SOUTHERN MISSOURI BANCORP,INC.NOTESTO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED) Note1:Basis of Presentation The accompanying unaudited interim condensed consolidated financial statements have been prepared inaccordance with accounting principles generally accepted in the United States of America for interimfinancial information and with the instructions to Form 10-Q and Rule 10-01 of Securities and ExchangeCommission (“SEC”) Regulation SX. Acc