Southern Missouri Bancorp Q1 net income rises 22% to $19.1M on wider margin, lower credit costs

Filed November 6, 2026 · Period ending September 30, 2026 · Compared to 10-Q Nov 7, 2025 · ~1 min read

Key Changes

• high

  Net income increased 22.0% to $19.1 million, with diluted EPS up 25.4% to $1.73, driven by higher net interest income and a lower provision for credit losses.

  MD&A: Net income and EPS verify on EDGAR →
• high

  Net interest margin expanded 13 basis points to 3.70% as funding costs declined, while the provision for credit losses fell 34.4% on improved credit trends.

  MD&A: Net interest margin & PCL verify on EDGAR →
• medium

  Total assets grew 1.4% to $5.3 billion, with loans up $60.5 million and deposits up $66.1 million; commercial real estate concentration declined to 277.7% of Tier 1 capital and ACL.

  MD&A: Balance sheet & CRE verify on EDGAR →