Southern Missouri Bancorp, Inc. (SMBC) Q4 2026 Earnings Call

Investor webinar replay

Replay transcript excerpt

Hello and thank you for standing by. My name is Dennis and I will be your conference operator today. At this time, I would like to welcome everyone to the Southern Missouri Bancorp earnings conference call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question and answer session. If you would like to ask a question during this time, simply press star followed by the number one on your telephone keypad. If you would like to withdraw your question, press star one again. I would now like to turn the call over to the company's CFO, Stefan Chkautovich. Please go ahead. Thank you, Dennis. Good morning, everyone. This is Stefan Chkautovich, CFO with Southern Missouri Bancorp. Thank you for joining us today. The purpose of this call is to review the information and data presented in our quarterly earnings release, dated Wednesday, July 22, 2026, 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 our conversation today with some highlights from our most recent quarter and fiscal year. Thanks, Stefan, and good morning, everyone. This is Matt Funke. Thanks for joining us. I'll start with a few highlights from our financial results for the June quarter, which marked the final quarter of our fiscal year. Compared to the prior quarter, earnings increased as we recognized a lower provision for income taxes, primarily reflecting a benefit from tax credit investments, along with higher net interest income, lower non...