Southern Missouri Bancorp Inc
investors.bankwithsouthern.comWhat Do They Do?
Takes deposits and makes residential and commercial property, business and consumer loans for households, businesses and farmers.
10-K for FY2026, filed Sep 11, 2026
How Do They Make Money?
Earns most revenue from interest on loans and investment securities; it also collects deposit fees when account services are provided, card charges when customers use cards or ATMs, and wealth-management fees for services provided.
10-K for FY2026, filed Sep 11, 2026At June 30, 2026, the Company had total assets of $5.2 billion, total deposits of $4.4 billion and stockholders’ equity of $590.7 million.…View ↗
Wealth Management Assets and Fees. Assets managed in fiduciary or investment management accounts by the Company are not included in the…View ↗
Service charges on deposits. The Company generates revenue from fees charged for deposit account maintenance, overdrafts, wire transfers…View ↗
ATM/debit card revenue. The Company generates revenue through service charges on the use of its ATM machines and interchange income from…View ↗
$289M
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10-K for FY2026, filed Sep 11, 2026
$289M ↗
Who Are Their Customers?
Retail depositors and household, business, and farm borrowers bank through the company's branches; single-family home loan applications are also taken online.
10-K for FY2026, filed Sep 11, 2026The principal business of the Bank consists of attracting retail deposits from the general public and using such deposits along with…View ↗
The Bank provides its customers with a full array of community banking services and conducts its business from its headquarters in Poplar…View ↗
Generally, loans are originated by the Bank’s staff, who are salaried loan officers. All loan officers are eligible for bonuses based on…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 25 cents of every revenue dollar as net income in FY2026 and turned 26 cents into free cash flow.
How Are They Changing?
Growing. Revenue grew 2.5x in 4 years, from $116.9M in FY2022 to $289M in FY2026, about 25% a year.
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