Short answer
SOUTHERN MISSOURI BANCORP, INC. (SMBC) filed its Q4 2025 10-Q quarterly report on Feb 6, 2026 for the quarter ended Dec 31, 2025. Quarterly revenue was $72M (up 4.0% year over year) with net income of $18M.
Q4 2025 key financials · XBRL
- Revenue
- $72M
- +4.0% YoY · −1.1% QoQ
- Net income
- $18M
- +23.9% YoY · +16.0% QoQ
- EPS (diluted)
- $1.62
- +24.6% YoY · +17.4% QoQ
Source: XBRL data from the SOUTHERN MISSOURI BANCORP, INC. (SMBC) Q4 2025 10-Q on SEC EDGAR. USD.
SOUTHERN MISSOURI BANCORP, INC. Q4 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Nonperforming assets $31.2M vs $23.7M at June 30, 2025 and $10.8M at December 31, 2024
- Nonperforming loans-to-net-loans ratio 0.71% vs 0.57% at June 30, 2025 and 0.21% at December 31, 2024
- Loan commitments and approvals $981.2M, including $654.1M in unused credit lines
- FHLB advances $102.1M against $854.7M available credit; Federal Reserve capacity $360.0M, with none advanced
- Management expects sufficient liquidity; Bank remained well capitalized at December 31, 2025
Risk Factors
- No risk-factors section provided in the supplied filing text
- New share-repurchase authorization: 550,000 shares, approximately 5.0% of shares outstanding
- Repurchase-program execution risk: 57,101 shares remained available at December 31, 2025
- Market-price risk: December purchases averaged $60.08 per share
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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