{"schema":"rootz.ai/sec-company/v1","layer":1,"cik":"0000916907","name":"SOUTHERN MISSOURI BANCORP, INC.","summary":"Southern Missouri Bancorp, Inc. is a Missouri-based bank holding company for Southern Bank. The Bank attracts deposits from communities it serves and invests in residential and commercial real estate loans, commercial business loans, consumer loans, and securities including MBS, CMOs, municipal, corporate, and U.S. government obligations. Noninterest income includes fees, interchange income, loan sale gains, trust and wealth management, insurance brokerage, and BOLI income.","people":[],"products":[{"name":"Mortgage Loans","type":"service","description":"Fixed and adjustable-rate residential mortgage loans including single-family residential loans."},{"name":"Commercial Real Estate Loans","type":"service","description":"Fixed and adjustable-rate commercial real estate and multi-family loan originations."},{"name":"Commercial Business Loans","type":"service","description":"Commercial business lending products with shorter repricing periods and higher yields."},{"name":"Agricultural Loans","type":"service","description":"Agricultural real estate and agricultural operating lines of credit."},{"name":"Home Equity Lines of Credit","type":"service","description":"Adjustable-rate home equity lines of credit totaling $86.7 million at June 30, 2025."},{"name":"Certificates of Deposit","type":"service","description":"CDs with maturities up to five years; CDs with original terms of two or more years totaled $322.5 million."},{"name":"Savings Accounts","type":"service","description":"Interest-bearing savings deposit accounts."},{"name":"NOW Accounts","type":"service","description":"Interest-bearing NOW checking accounts."},{"name":"Money Market Accounts","type":"service","description":"Competitively priced money market deposit accounts."},{"name":"Secondary Market Mortgage Originations","type":"service","description":"Fixed-rate residential loans originated for sale into the secondary market; $21.6 million in fiscal 2025."},{"name":"Residential Real Estate Loans","type":"service","description":"One- to four-family and multi-family residential mortgage lending secured by properties in the primary lending area."},{"name":"Commercial Real Estate Loans","type":"service","description":"Loans secured by commercial real estate to borrowers operating within the primary lending area."},{"name":"Commercial Business Loans","type":"service","description":"Commercial business financing to borrowers in the primary lending area."},{"name":"Consumer Loans","type":"service","description":"Consumer financing secured by collateral in the primary lending area."},{"name":"Deposit Accounts","type":"service","description":"Checking, savings, money market, and certificate of deposit accounts with terms of 60 months or less."},{"name":"Trust and Wealth Management Services","type":"service","description":"Trust and wealth management offerings generating noninterest income for the Bank."},{"name":"Insurance Brokerage","type":"service","description":"Insurance brokerage commissions as a source of noninterest income."},{"name":"Investment Securities","type":"service","description":"Portfolio including MBS, CMOs, municipal, corporate, asset-backed, and U.S. government and agency securities."}],"partnerships":[{"partner_name":"Federal Home Loan Bank (FHLB)","partnership_type":"strategic","description":"Utilizes FHLB advances for funding and interest rate risk management, including fixed-rate advances up to 10-year maturities.","start_date":null},{"partner_name":"Federal Home Loan Bank of Des Moines","partnership_type":"strategic","description":"Provides advances used to fund lending activities at Southern Bank.","start_date":null}],"affiliations":[],"origin":{"leaf":"cbb33b4269afe5ae203c6c64ba005193560c2aaf4ff8bb226b1823c15fe4d100","formula":"v2: sha256( sha256(content) || parent || source_accession )","content_sha256":"ac309768dde1daf734ed17f7f87c4397e76e6b009f8d917d108e9b336f1b211c","parent":"18693146004390ecc9e06fddf248175fa88a45a6f26d65db4ebce614fac7afeb","source":"0001558370-25-012001, 0001104659-26-107119","chain":"sec.gov/EDGAR (retrieved over TLS, accession recorded) > origin.rootz.global extraction > this response","registry":"origin.rootz.global","verify":"Recompute it: sha256(sha256(<this response body minus the origin block>) || parent || source_accession). 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