Southern Bank
Banking · Missouri, United States · 501-1,000 Employees
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Overview
Headquarters
2991 Oak Grove Rd, Poplar Bluff, Missour...Phone Number
(855) 452-7272Website
www.bankwithsouthern.comRevenue
$185.7 MillionStock Symbol
SMBCIndustry
ZI Rank: 4
Signal Type
Dec
Jan
Feb
Mar
Apr
May
ZI Rank
3
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3
4
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4
About Southern Bank
Southern Bank is a subsidiary of Southern Missouri Bancorp, Inc. It is one of the oldest financial institutions headquartered in the region. Southern Bank offers dynamic and competitive products to individuals and businesses with a full range of financial products and services. The company was founded in 1887 and is headquartered in Poplar Bluff, Missouri.Explore more
Southern Bank Org Chart
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Activity Insights
Southern Bank is experiencing very low activity levels compared to other companies in the Finance sector.
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Southern Bank Tech Stack
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Most Recent Scoops
Earnings
reported that its non-owner occupied commercial real estate concentration at the bank level was approximately 291% of Tier 1 capital and allowance for credit losses at March 31, 2026, up approximately two percentage points from December 31, 2025, while the consolidated CRE ratio was 283%, up one percentage point quarter over quarter. The increases were driven by growth in non-owner occupied CRE and multifamily loans, partially offset by a decrease in construction and land development loans, which outpaced growth in Tier 1 capital.
Accounting, Real Estate, Financial Reporting, Business Finance, Finance
Earnings
reported a net interest margin of 3.67% for Q3 fiscal 2026, up 10 basis points from the linked December quarter, driven primarily by a 9 basis point improvement in cost of funds to 2.52%, benefiting from the December 2025 Federal Reserve rate cut. Loan yields were flat quarter over quarter at 6.26%, while fair value discount accretion on acquired loan portfolios contributed approximately 3 basis points to the NIM, down from 5 basis points in the linked quarter.
Earnings, Finance
Earnings
reported that agricultural real estate loan balances totaled $279 million, or 6% of gross loans, at March 31, 2026, up $17 million from the linked December quarter and up $32 million year over year. Agricultural production and equipment loan balances were $204 million, or 5% of gross loans, up $2 million quarter over quarter and up $18 million year over year, with management expecting these balances to increase further in Q4 as the planting season ramps up.
Real Estate, Finance, Financial Operations
Earnings
reported that adversely classified loans totaled $56 million, or 1.3% of gross loans, at March 31, 2026, down $3 million and 11 basis points as a percentage of gross loans from the prior quarter. Non-performing loans were approximately $30 million (0.7% of gross loans), loans past due 30 to 89 days were $10.5 million (24 basis points of gross loans, down 13 basis points year over year), and management noted that overall problem asset levels remain manageable with ongoing workout strategies progressing across several problem credits.
Accounting, Financial Reporting, Finance, Risk
Earnings
Earnings, Finance, Financial Operations
Southern Bank News & Media
SOUTHERN MISSOURI BANCORP REPORTS PRELIMINARY RESULTS FOR THIRD QUARTER OF FISCAL 2026; DECLARES QUARTERLY DIVIDEND OF $0.25 PER COMMON SHARE; CONFERENCE CALL SCHEDULED FOR THURSDAY, APRIL 23, AT 9:30 AM CENTRAL TIME
Poplar Bluff, Missouri, April 22, 2026 (GLOBE NEWSWIRE) -- Southern Missouri Bancorp, Inc. (“Company”) (NASDAQ: SMBC), the parent corporation of Southern Bank (“Bank”), today announced preliminary net income for the third quarter of fiscal 2026 of $17.8 million, an increase of $2.1 million, or 13.3%, as compared to the same period of the prior fiscal year. The increase was attributable to increases in net interest income and noninterest income, partially offset by increases in provisionSouthern Missouri Bancorp Q2 Earnings Call Highlights
Southern Missouri Bancorp (NASDAQ:SMBC) executives told investors they saw improved earnings and profitability in the December quarter, driven by a lower provision for credit losses, growth in earning assets that lifted net interest income, and higher non-interest income. Management said the companySOUTHERN MISSOURI BANCORP REPORTS PRELIMINARY RESULTS FOR SECOND QUARTER OF FISCAL 2026; DECLARES QUARTERLY DIVIDEND OF $0.25 PER COMMON SHARE; CONFERENCE CALL SCHEDULED FOR THURSDAY, JANUARY 22, AT 9:30 AM CENTRAL TIME
Poplar Bluff, Missouri, Jan. 21, 2026 (GLOBE NEWSWIRE) -- Southern Missouri Bancorp, Inc. (“Company”) (NASDAQ: SMBC), the parent corporation of Southern Bank (“Bank”), today announced preliminary net income for the second quarter of fiscal 2026 of $18.2 million, an increase of $3.5 million, or 23.9%, as compared to the same period of the prior fiscal year. The increase was attributable to an increase in net interest income, partially offset by increases in provision for creditSOUTHERN MISSOURI BANCORP REPORTS PRELIMINARY RESULTS FOR FIRST QUARTER OF FISCAL 2026; DECLARES QUARTERLY DIVIDEND OF $0.25 PER COMMON SHARE; CONFERENCE CALL SCHEDULED FOR THURSDAY, OCTOBER 23, AT 9:30 AM CENTRAL TIME
Poplar Bluff, Missouri, Oct. 22, 2025 (GLOBE NEWSWIRE) -- Southern Missouri Bancorp, Inc. (“Company”) (NASDAQ: SMBC), the parent corporation of Southern Bank (“Bank”), today announced preliminary net income for the first quarter of fiscal 2026 of $15.7 million, an increase of $3.2 million or 25.6%, as compared to the same period of the prior fiscal year. The increase was due primarily to higher net interest income and slightly lower non-interest expense. This was partially offset
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Southern Bank is a subsidiary of Southern Missouri Bancorp, Inc. It is one of the oldest financial institutions headquartered in the region. Southern Bank offers dynamic and competitive products to individuals and businesses with a full range of financial products and services. The company was founded in 1887 and is headquartered in Poplar Bluff, M... Read More
