SMBC 401(k) plan migration triggers blackout period for directors and officers from Sep 8 to mid-Oct 2025

SOUTHERN MISSOURI BANCORP, INC.

Plan moving from American Funds to Fidelity effective Sep 16, 2025; blackout begins Sep 8 at 4:00 p.m. ET.
Blackout expected to end week of Oct 12, 2025; participants cannot trade or change allocations during this period.
Directors and Section 16 officers prohibited from trading SMBC stock acquired in connection with service during blackout.
Exemptions for gifts and automatic transactions; violations may require disgorgement of profits.

item 5.04item 9.01

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