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

Investor webinar replay

Replay transcript excerpt

My name is Sammy and I'll be coordinating the call today. During the presentation you can register a question by pressing star followed by 1 on your telephone keypad. If you change your mind, please press star followed by 2 to remove yourself from the question key. I'll now like to hand over to our host, Stefan Shkotovich, CFO to begin. Please go ahead Stefan. Thank you so much. Good morning everyone. This is Stefan Shkotovich, CFO with Southern Missouri Bank Group. 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 cost-higher statement regarding forward-looking statements contained in the press release. Joining on the call today is my Greg Stubbins, 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 of fiscal year. Thank you Stefan. 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 non-interest 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 in the net interest margin this year with continued loan growth and moderate operating expense growth, which improved overall earnings and profitability in fiscal 25. Despite problem credits moving...