Southern Missouri Bancorp net income rises 22.6% to $71.8M on wider margins and loan growth

Filed September 11, 2026 · Period ending June 30, 2026 · Compared to 10-K Sep 11, 2025 · ~1 min read

Key Changes

• high

  Net income climbed 22.6% to $71.8 million, with diluted EPS, driven by an 11.8% increase in net interest income and a 22-basis-point expansion in net interest margin to 3.62%.

  Notes: Net income and EPS growth verify on EDGAR →
• high

  Net loans grew, but credit quality slipped: nonperforming loans rose to (0.63% of gross loans), and net charge-offs increased.

  Notes: Loan growth and credit quality verify on EDGAR →
• high

  The allowance for credit losses increased, but coverage of nonperforming loans fell to 199% from 224%, reflecting higher charge-offs in agricultural and commercial loans.

  Notes: Allowance for credit losses verify on EDGAR →