Southern Missouri Bancorp, Inc. (SMBC) Q4 2025 Earnings Call Transcript

Southern Missouri Bancorp, Inc. (NASDAQ:SMBC) Q4 2025 Earnings Conference Call July 24, 2025 10:30 AM ET

Company Participants

Greg A. Steffens – Chairman & CEO
Matthew T. Funke – President & Chief Administrative Officer
Stefan Chkautovich – Executive VP, CFO & Principal Financial Officer

Conference Call Participants

Matthew Covington Olney – Stephens Inc., Research Division

Operator

Hello, everyone, and thank you for joining the Southern Missouri Bancorp Earnings Conference Call. My name is [Sammy], and I’ll be coordinating your call today. [Operator Instructions] I would now like to hand over to your host, Stefan Chkautovich, CFO, to begin. Please go ahead, Stefan.

Stefan Chkautovich

Thank you, Sammy. Good morning, everyone. This is Stefan Chkautovich, CFO with Southern Missouri Bancorp. Thank you for joining us. The purpose of this call is to review the information and data presented in our quarterly earnings release dated Wednesday, July 23, 2025, and to take your questions.

We may make certain forward-looking statements during today’s call, and we refer you to our cautionary statement regarding forward-looking statements contained in the press release.

I’m joined on the call today by Greg Steffens, our Chairman and CEO; and Matt Funke, President and Chief Administrative Officer. Matt will lead off the conversation today with some highlights from our most recent quarter and fiscal year.

Matthew T. Funke

Thank you, Stefan, and good morning, everyone. This is Matt Funke. Thanks for joining us. I’ll start off with some highlights from our financial results for the June quarter, the final quarter of our fiscal year.

Quarter-over-quarter, earnings were up slightly as we saw our net interest margin and net interest income move higher, along with an increase in noninterest income and a lower provision for income tax expense. This was partially offset by an increase in provision for credit losses. We have seen improvement