---
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"
generated_at: "2026-06-16T04:27:29.866081+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Southern Missouri Bancorp Q3 net income falls 74% to $2.4M on $10.1M credit loss provision from Citizens merger

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-23-007522
- JSON: https://secwatch.observer/filing/0001558370-23-007522.json
- Plain text: https://secwatch.observer/filing/0001558370-23-007522.txt

## Key facts
- Earnings Releases
  SOUTHERN MISSOURI BANCORP, INC. reported third quarter of fiscal 2023 results: net income $2.4 million, EPS $0.22 per fully diluted common share.
  - Period: third quarter of fiscal 2023
  - Net income: $2.4 million
  - EPS: $0.22 per fully diluted common share
  - Result: preliminary results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/916907/000155837023007522/0001558370-23-007522-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.