Southern Missouri Bancorp, Inc. (SMBC) Q2 2026 Earnings Call Transcript

Operator

Hello, everyone, and welcome to the Southern Missouri Bancorp Earnings Call. My name is James, and I will be your operator for today. [Operator Instructions] The conference call will now start, and I’ll hand it over to our host, Chief Financial Officer of Southern Missouri Bancorp. Stefan, please go ahead.

Stefan Chkautovich
Executive VP, CFO & Principal Financial Officer

Thank you, James. Good morning, everyone. This is Stefan Chkautovich, CFO with Southern Missouri Bancorp. 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, January 21, 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.

Matthew Funke
President & Chief Administrative Officer

Thank you, Stefan, and good morning, everyone. This is Matt Funke. Thanks for joining us. I’ll start off with some highlights on our financial results for the December quarter, the second quarter of our fiscal year. Quarter-over-quarter, our earnings and profitability improved due to a lower provision for credit losses, a larger earning asset base, which drove an increase in net interest income as well as