Southern Missouri Bancorp, Inc. (SMBC) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Everyone, and thanks for joining the Southern Missouri Bank Corp Earnings Conference Call. My name is Sammy, and I'll be coordinating your call today. During the presentation, you can register a question by pressing star, followed by one on your telephone keypad. If you change your mind, please press star, followed by two. I will now hand over to your host, Stefan Chukamkovich, CFO, to begin. Please go ahead. Thank you, Sammy. Good morning, everyone. This is Stefan Chukamkovich, CFO with Southern Missouri Bank Corp. Thank you for joining us. The purpose of this call is to review the information and data presented in our quarterly Army's release dated Monday, April 21, 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 by Matt Funke, President and Chief Administrative Officer. Matt will lead off our conversation today with some highlights from our most recent quarter and fiscal year. Thank you, Stephan. Good morning, everyone. Thanks for joining us. I'll start off with some highlights on our financial results for the March quarter, the third quarter of our fiscal year. Quarter over quarter, earnings and profitability improved as we benefited from a larger earning asset base driving an increase in net interest income, along with an expanded reported net interest margin, which resulted from a lower cost of funds and elevated fair value accretion income. All this despite the short day count in the quarter. With the earnings and profitability improvement in the first three quarters of our fiscal year, We continue to see positive trends go...