{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-23-007522","form_type":"8-K","ticker":"SMBC","cik":"0000916907","company_name":"SOUTHERN MISSOURI BANCORP, INC.","filed_at":"2023-05-02T23:59:59+00:00","discovered_at":"2026-05-14T18:03:42.796864+00:00","generated_at":"2026-06-16T04:27:29.866081+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Southern Missouri Bancorp Q3 net income falls 74% to $2.4M on $10.1M credit loss provision from Citizens merger","bullets":["Diluted EPS of $0.22, down 78.6% from $1.03 in prior-year quarter; after-tax merger charges reduced EPS by $0.73.","Net interest income rose 34.5% to $33.8M; net interest margin unchanged at 3.48%.","Nonperforming assets were $12.7M (0.30% of total assets), up from 0.20% at June 30, 2022.","Quarterly dividend maintained at $0.21 per share, payable May 31, 2023 to holders of record May 15, 2023.","Citizens merger contributed $447.4M in loans and $851.1M in deposits; total assets reached $4.3B."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-23-007522","json":"https://secwatch.observer/filing/0001558370-23-007522.json","markdown":"https://secwatch.observer/filing/0001558370-23-007522.md","text":"https://secwatch.observer/filing/0001558370-23-007522.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/916907/000155837023007522/0001558370-23-007522-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/916907/000155837023007522/smbc-20230501x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T04:27:29.866081+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"80eb3f95012dde4c282c57b0376914d06e075b8a","claim":"SOUTHERN MISSOURI BANCORP, INC. reported third quarter of fiscal 2023 results: net income $2.4 million, EPS $0.22 per fully diluted common share.","evidence_excerpt":"On May 1, 2023, Southern Missouri Bancorp, Inc., the parent corporation of Southern Bank, issued a press release announcing preliminary third quarter of fiscal 2023 results","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/916907/000155837023007522/0001558370-23-007522-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter of fiscal 2023"},{"label":"Net income","value":"$2.4 million"},{"label":"EPS","value":"$0.22 per fully diluted common share"},{"label":"Result","value":"preliminary results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}