Southern Missouri Bancorp Inc
NASDAQ:SMBC
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Southern Missouri Bancorp Inc
Southern Missouri Bancorp, Inc. is as a holding company, which engages in the provision of financial services. The company is headquartered in Poplar Bluff, Missouri and currently employs 457 full-time employees. The principal business of the Bank consists primarily of retail deposits from the public and using its deposits along with wholesale funding from the Federal Home Loan Bank of Des Moines (FHLB), brokered deposits and commercial non-mortgage business loans. The Bank offers a range of deposit instruments, including interest-bearing and noninterest-bearing transaction accounts, money market deposit accounts, savings accounts, certificates of deposit and retirement savings plans. The Bank's lending activities consist of originating loans secured by mortgages on one- to four-family and multi-family residential real estate, commercial and agricultural real estate, construction loans on residential and commercial properties, commercial and agricultural business loans, and consumer loans.
Southern Missouri Bancorp, Inc. is as a holding company, which engages in the provision of financial services. The company is headquartered in Poplar Bluff, Missouri and currently employs 457 full-time employees. The principal business of the Bank consists primarily of retail deposits from the public and using its deposits along with wholesale funding from the Federal Home Loan Bank of Des Moines (FHLB), brokered deposits and commercial non-mortgage business loans. The Bank offers a range of deposit instruments, including interest-bearing and noninterest-bearing transaction accounts, money market deposit accounts, savings accounts, certificates of deposit and retirement savings plans. The Bank's lending activities consist of originating loans secured by mortgages on one- to four-family and multi-family residential real estate, commercial and agricultural real estate, construction loans on residential and commercial properties, commercial and agricultural business loans, and consumer loans.
Earnings: Southern Missouri Bancorp delivered stable profitability with diluted EPS of $1.38, down $0.01 from last quarter but up $0.28 year-over-year.
Net Interest Margin: Net interest margin expanded to 3.57%, up 10 basis points from the prior quarter, supported by loan growth and repricing tailwinds.
Credit Quality: Nonperforming loans and charge-offs increased but remain at modest levels; management expects charge-offs and provision expense to decline in coming quarters.
Loan Growth: Loans grew $91 million (2.2%) in the quarter, led by strong activity in CRE, residential, C&I, and multifamily segments; outlook remains for mid-single-digit growth for the fiscal year.
Deposits: Deposit balances were flat quarter-over-quarter but grew 5.9% over the past year, allowing less reliance on brokered deposits.
Expense Control: Noninterest expense fell 3.6% from last quarter, benefiting from accounting changes; this quarter serves as a new baseline for expenses.
Capital & Buybacks: Tangible book value rose 13.3% year-over-year; management expects to be more active with share repurchases given current stock pricing.
