Risk factors

Southern Missouri Bancorp (SMBC) risk factors

Item 1A of every Southern Missouri Bancorp, Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2026 10-K risk factors
    37 risks5 new2 dropped8 reworded

    New risks broaden credit exposure warnings to CECL estimates, agricultural collateral, commercial real estate concentration, climate events, and cybersecurity.

    Filed Sep 11, 2026
  • FY2025 10-K risk factors
    34 risks6 reworded

    Updates show agricultural real estate loans grew to $245.0 million representing 6.1% of net loans.

    Filed Sep 11, 2025
  • FY2024 10-K risk factors
    34 risks

    This being the initial filing, the risk section is dominated by credit concentration in commercial and real estate loans, interest rate sensitivity, regulatory compliance, and cybersecurity threats.

    Filed Sep 13, 2024