---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-25-000439"
form_type: "8-K"
ticker: "SMBC"
cik: "0000916907"
company_name: "SOUTHERN MISSOURI BANCORP, INC."
filed_at: "2025-01-28T23:59:59+00:00"
generated_at: "2026-05-27T08:52:37.732154+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Southern Missouri Bancorp Q2 net income $14.7M (+20.2%), EPS $1.30, NIM 3.36%

## Summary
- Net income $14.7M, up $2.5M (+20.2%) YoY; diluted EPS $1.30 vs $1.07 prior year.
- Net interest margin 3.36% vs 3.25% a year ago; net interest income up 10.6% to $38.1M.
- Loan balances grew 7.9% YoY to $4.0B; deposits up 5.6% YoY to $4.2B with seasonal inflows.
- Tangible book value per share $38.91, up 12.3% YoY; efficiency ratio improved to 55.3% from 58.5%.
- Quarterly dividend of $0.23 per share declared, payable Feb 28, 2025 to record Feb 14, 2025.

## SEC filing metadata
- accession: 0001558370-25-000439
- form_type: 8-K
- ticker: SMBC
- cik: 0000916907
- company_name: SOUTHERN MISSOURI BANCORP, INC.
- filed_at: 2025-01-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/916907/000155837025000439/0001558370-25-000439-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/916907/000155837025000439/smbc-20250127x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-000439
- JSON: https://secwatch.observer/filing/0001558370-25-000439.json
- Plain text: https://secwatch.observer/filing/0001558370-25-000439.txt

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