Form 8-K

8-K — SOUTHERN MISSOURI BANCORP, INC.

Accession: 0001104659-26-055074

Filed: 2026-05-05

Period: 2026-05-04

CIK: 0000916907

SIC: 6036 (SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED)

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — smbc-20260504x8k.htm (Primary)

EX-99.1 (smbc-20260504xex99d1.htm)

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8-K

8-K (Primary)

Filename: smbc-20260504x8k.htm · Sequence: 1

SOUTHERN MISSOURI BANCORP, INC._May 4, 2026

0000916907false00009169072026-05-042026-05-04

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) May 4, 2026

SOUTHERN MISSOURI BANCORP, INC.

(Exact name of registrant as specified in its charter)

Missouri

000-23406

43-1665523

(State or other

(Commission File No.)

(IRS Employer

jurisdiction of incorporation)

Identification Number)

2991 Oak Grove Road, Poplar Bluff, Missouri

63901

(Address of principal executive offices)

(Zip Code)

Registrant's telephone number, including area code: (573) 778-1800

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, par value $0.01 per share

SMBC

The NASDAQ Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as deﬁned in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised ﬁnancial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 7.01Regulation FD Disclosure

Included in Exhibit 99.1 is the investor presentation material of Southern Missouri Bancorp, Inc. to be presented Tuesday, May 5, 2026, at the DA Davidson Financial Institutions Conference.

Item 9.01Financial Statements and Exhibits

(d)Exhibits

The following exhibits are filed herewith:

Exhibit No.Exhibit

99.1 Investor Presentation Dated May 4, 2026

104Cover Page Interactive Data File (embedded within the Inline XBRL documents).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

SOUTHERN MISSOURI BANCORP, INC.

Date: May 4, 2026

By:

/s/ Matthew T. Funke

Matthew T. Funke

President and Chief Administrative Officer

EX-99.1

Filename: smbc-20260504xex99d1.htm · Sequence: 2

Exhibit 99.1

NASDAQ: SMBC

May 4, 2026

Why Southern Bank?

We see people working to seize opportunities, build communities, and achieve their dreams right in their hometowns.

And we want to keep it that way. That's why we provide services, resources, and tools that help you accomplish what

you want, where you want.

Southern Missouri Bancorp, Inc, (“Company”) is a bank holding company and the parent company of Southern Bank (“Bank”).

Arnold/Oakville team members participated in

and worked the booth at last year’s Keene

Insurance Group Golf Tournament

Smithville team members participated in

Smithville School District’s staff vendor fair.

Cape Girardeau team members

attended United Way’s ribbon cutting.

What Sets Us Apart?

OUR COMMUNITIES

We’re invested in what our communities are doing and

dedicated to provide exactly what they need in their

local bank. Our team members are deeply involved in

their communities – whether it is serving on boards

and committees, volunteering with local

schools/organizations, or coaching little league teams.

OUR PEOPLE

Our team members are what make our organization

great. We are respectful, honest, and professional and

strive to make every experience a good one – for both

our customers and coworkers. We work as a team to

help our customers reach their goals, whatever they

may be.

OUR MISSION

We’re here for you and your financial goals.

OUR VISION

We create growth through opportunity.

• We provide our customers the best service and expand our

relationships to help them achieve their financial goals.

• We provide our team with the tools and

knowledge to serve our customers wherever

they may be.

• We provide our team members opportunities for professional

development, career advancement, and a positive work

environment.

• We provide for the well-being of our communities, working to

advance their economic, social, and educational prospects.

• We provide a sound return on our shareholders’ investment.

Our Values

WE ACT AS A FAMILY.

We know we’re not a related family, but we really care about our people, both personally and professionally.

We like knowing that our skills, our time, and our efforts contribute to the overall success of those we spend time with everyday.

WE MOVE WITH INNOVATION.

We push for better ways to solve problems. We are not afraid of a challenge; we’re driven to develop new ideas and solutions

using creativity and experience. We are committed to leading and implementing new solutions for any obstacle.

WE ARE ROOTED.

We’re from here. These communities are our homes, and we are deeply invested in the purpose of making our hometowns the

best that they can be. We are firmly committed to success in the places where we’ve known people our whole lives.

WE PRIORITIZE SERVICE.

We put others above ourselves. We make intentional decisions and take action to benefit others, be it in our daily work with our

customers and fellow team members, or in volunteering our time, money, and energy in our communities.

WE BUILD TRUST.

We strive to be reliable and trustworthy, honest and transparent. We are dedicated to doing what’s best for our team members,

our customers, and our communities, and they can be confident that we are who we say we are.

WE ARE A SOURCE OF STRENGTH.

We have a capacity and resilience that has come through years of experience and growth. We are able to support those who

count on us, and those who need us can rely on us.

RETAIL OFFERINGS BUSINESS OFFERINGS

• Digital Banking

Online & Mobile Banking (Card Center, Zelle®

[Personal & Small Business], Mobile Deposit,

Online Bill Pay, My Credit Score)

• ITM (Video Teller)

• Traditional Deposits & Consumer Lending

• Commercial Deposits & Treasury Management

ACH Origination (Credit/Debit), Positive Pay,

Remote Deposit Capture, Wire Transfers

• Commercial Lending Specialties

Small Business, Real Estate, Agriculture,

Equipment, Working Capital

• 1031 Exchange Center

• Rebranded from Southern

Wealth Management

• Transactional & Fee-based

Investments

• Goal Based Financial

Planning

• Income Replacement

• Education Funding

• Life Insurance

• Personal: Homeowners,

Auto, Life, Medical, and

• Commercial: Property,

Liability, Workers’ Comp,

and Commercial Truck

Liability

• Personal & Institutional Trust

Administration

• Non-profit & Foundation Administration

• Employee Benefit Plan Administration

• Legacy Planning

• Estate Settlement

• Special Needs Trust Administration

• Discretionary Investment Management

• Specialty Asset Management

A financial advisory practice of Ameriprise Financial, LLC

69 locations

serving

in 4 States

52 COMMUNITIES

SUCCESSFUL ACQUISITIONS OVER THE LAST 10 YEARS

June 16

acquired

Tammcorp,

Inc., and its

subsidiary,

Capaha Bank

(“Capaha”)

2017

February 23

acquired

Southern Missouri

Bancshares, Inc., and

its subsidiary,

Southern Missouri

Bank of Marshfield

(“SMB-Marshfield”)

2018

November 21

acquired

Gideon Bancshares

Company and its

subsidiary, First

Commercial Bank

(“First Commercial”)

May 22

acquired

Central Federal

Bancshares,

Inc., and its

subsidiary,

Central Federal

Savings & Loan

Association

(“Central”)

2020

December 15

acquired

the Cairo, Illinois,

branch (“Cairo”) of

First National

Bank, Oldham,

South Dakota

2021

February 25

acquired

Fortune Financial,

Inc., and its

subsidiary

FortuneBank

(“Fortune”)

2022

January 20

acquired

Citizens Bancshares,

Co., and its

subsidiary,

Citizens Bank &

Trust Company

(“Citizens”)

2023

Financial Highlights

• Earnings per common share (diluted) were $1.60 for the third quarter fiscal 2026, up $0.21, or 15.1%, compared to $1.39 for the

same quarter a year ago, and down $0.02, or 1.2%, from the second quarter of fiscal 2026.

• Annualized return on average assets (“ROA”) was 1.41% and annualized return on average common equity (“ROE”) was 12.6%,

compared to 1.29% and 12.2%, respectively, in the same quarter a year ago, and 1.42% and 12.8% in the second quarter of fiscal 2026.

• On April 21, 2026, the Board of Directors declared a quarterly cash dividend on common stock of $0.25 per share, marking the 128th

consecutive quarterly dividend since the inception of the Company.

FISCAL YEAR 2026 TO DATE

* See “Important Statements – Non-GAAP Financial Measures” for a reconciliation of non-GAAP financial measures.

** Compound annualized growth rate for tangible book value per common share from June 30, 2021, through March 31, 2026

THIRD QUARTER FISCAL 2026

• Tangible book value per share* was $45.80 as of March 31, 2026, an increase of $5.43, or 13.5%, from $40.37 as of March 31,

2025. This reflects a 15-year tangible book value per share compound annual growth rate of 10.4%**.

• Loans, net of the ACL, were $4.3 billion as of March 31, 2026, an increase of $217.5 million, or 5.4%, compared to June 30, 2025,

and increased $297.9 million, or 7.5%, compared to March 31, 2025.

• The Company repurchased 312,870 shares of its common stock during fiscal year-to-date 2026 at an average price of $58.45 per

share, for a total of $18.3 million. The average purchase price was 128% of our tangible book value as of March 31, 2026.

1.59%

1.03% 1.10%

1.21%

1.35%

0.00%

0.50%

1.00%

1.50%

2.00%

FY 2022 FY 2023 FY 2024 FY 2025 FYTD 2026

Return on Average Assets

15.4%

10.4% 10.7% 11.4% 12.2%

0.0%

5.0%

10.0%

15.0%

20.0%

FY 2022 FY 2023 FY 2024 FY 2025 FYTD 2026

Return on Average Common Equity

$5.34

$4.49

$4.04

$4.96

$4.50

$5.21

$3.85

$4.42

$5.18

$4.59

$1.00

$2.00

$3.00

$4.00

$5.00

$6.00

FY 2022 FY 2023 FY 2024 FY 2025 FYTD 2026

Historical Diluted Common EPS and Core Diluted Common EPS*

Core Diluted Common EPS* Diluted Common EPS

Data is for the fiscal years ended June 30, except for FYTD 2026, which excluding EPS, is annualized for the nine-month period ended March 31, 2026.

* See “Important Statements – Non-GAAP Financial Measures” for a reconciliation of non-GAAP financial measures.

Profitability and Earnings History

$103,567 $126,745 $139,483 $154,616 $128,443

3.66%

3.43%

3.14% 3.31%

3.55%

3.72%

3.54%

3.27%

3.40%

3.60%

3.00%

3.20%

3.40%

3.60%

3.80%

$50,000

$100,000

$150,000

$200,000

FY 2022 FY 2023 FY 2024 FY 2025 FYTD 2026

Net Interest Income, Net Interest Margin, and Core Net Interest Margin*

Net Interest Income Core Net Interest Margin* Net Interest Margin

50.8% 56.5% 58.9% 55.9% 51.4%

2.14% 2.27% 2.14% 2.11%

2.01%

1.80%

1.90%

2.00%

2.10%

2.20%

2.30%

45.0%

50.0%

55.0%

60.0%

FY 2022 FY 2023 FY 2024 FY 2025 FYTD 2026

Efficiency Ratio & Noninterest Expense/Average Assets

Efficiency Ratio Non-Interest Exp. /Avg. Assets

Data is for the fiscal years ended June 30, except for FYTD 2026, which excluding efficiency ratio, is annualized for the nine-month period ended March 31, 2026.

* See “Important Statements – Non-GAAP Financial Measures” for a reconciliation of non-GAAP financial measures.

Financial Data

0.20%

0.26% 0.23%

0.47%

0.62%

0.00%

0.20%

0.40%

0.60%

0.80%

FY 2022 FY 2023 FY 2024 FY 2025 FYTD 2026

NPAs/Total Assets

1.22%

1.32%

1.36%

1.26%

1.29%

1.15%

1.20%

1.25%

1.30%

1.35%

1.40%

FY 2022 FY 2023 FY 2024 FY 2025 FYTD 2026

ACL/Gross Loans

526%

424%

497%

218%

175%

100%

200%

300%

400%

500%

600%

FY 2022 FY 2023 FY 2024 FY 2025 FYTD 2026

ACL/NPAs

0.00%

0.02%

0.05%

0.17%

0.11%

0.00%

0.05%

0.10%

0.15%

0.20%

FY 2022 FY 2023 FY 2024 FY 2025 FYTD 2026

NCOs/Average Loans

Data is at period ends June 30, except for FYTD 2026, which is at period end March 31, 2026. The FYTD 2026 net charge-off ratio is annualized.

NPAs are defined as NPLs, and other real estate owned, plus other repossessed assets. NCOs are net charge-offs.

Credit Quality Performance

$2,719

$3,619

$3,851

$4,100

$4,322

FY 2022 FY 2023 FY 2024 FY 2025 FYTD 2026

All Other Loans

Consumer

Agriculture Production

Commercial and Industrial

Agriculture Real Estate

Construction and Land

Development

Multi-family R/E

O/O Commercial Real Estate

Non-O/O Commercial R/E

1-4 Residential R/E

Loan Portfolio, at period end

(Gross loans*, dollars in millions)

Loan Growth

* For fiscal years 2022-2025 loan balances above are gross loans, excluding loans in process and deferred loan fees. For FYTD 2026 loan balances above are gross loans, excluding loans in process, and loans held for sale.

Data is as of fiscal years ended June 30, except for FYTD 2026, which is as of March 31, 2026. Acquisitions over this time period included the following loan portfolios, noted at fair value on the acquisition date:

Citizens Acquisition, January 2023: $447 million

FortuneBank Acquisition, February 2022: $202 million

Loans

as of March 31, 2026

Loans

as of June 30, 2022

Loan Portfolio Composition

1-4 Residential

R/E, 24.3%

Non O/O CRE,

22.2%

O/O CRE, 10.2%

Multi-Family R/E,

11.3%

Const. and Land

Dev., 6.9%

Ag. R/E, 7.8%

C&I, 11.4%

Ag. Prod., 4.1%

Consumer, 1.6%

All Other Loans,

0.2%

1-4 Residential

R/E, 24.6%

Non O/O CRE,

21.9%

O/O CRE, 11.0%

Multi-Family R/E,

10.8%

Const. and Land

Dev., 6.5%

Ag. R/E, 6.4%

C&I, 12.6%

Consumer, Ag. Prod., 4.7%

1.2%

All Other Loans,

0.2%

$2,815

$3,726

$3,943

$4,281 $4,341

FY 2022 FY 2023 FY 2024 FY 2025 FYTD 2026

Noninterest-bearing Transaction

Accounts

Interest-bearing Transaction

Accounts

Money Market Deposit Accounts

Savings Accounts

Certificates < $250,000

Brokered Certificates (not

reciprocal)

Certificates > $250,000

Deposits, at period end

(dollars in millions)

Deposit Growth

Data is as of fiscal years ended June 30, except for FYTD 2026, which is as of March 31, 2026. Acquisitions over this time period included the following deposit balances assumed, noted at fair value on the acquisition date:

Citizens Acquisition, January 2023: $851 million

FortuneBank Acquisition, February 2022: $214 million

Deposits

as of June 30, 2022

Deposits

as of March 31, 2026

Deposit Portfolio Composition

CDs >= $250,000,

4.9% Brokered CDs, 0.4%

CDs < $250,000,

17.4%

Savings, 9.7%

MMDAs, 10.8%

NOW, 41.6%

Noninterest,

15.2%

CDs >= $250,000,

14.1%

Brokered CDs, 4.7%

CDs < $250,000,

18.4%

Savings, 16.5%

MMDAs, 7.5%

NOW, 26.6%

Noninterest,

12.2%

$0.80 $0.84 $0.84 $0.92 $0.75

1.77%

2.18%

1.87%

1.68%

1.56%

0.00%

0.50%

1.00%

1.50%

2.00%

2.50%

$0.00

$0.10

$0.20

$0.30

$0.40

$0.50

$0.60

$0.70

$0.80

$0.90

$1.00

FY 2022 FY 2023 FY 2024 FY 2025 FYTD 2026

Dividends per Common Share Dividend Yield

Data is for the fiscal years ended June 30, except for FYTD 2026, which is as of March 31, 2026. Stock price used to calculate dividend yield is the period end closing stock price. FYTD 2026 dividend yield is annualized.

Dividends per Common Share and Dividend Yield

Dividend Yield

$10.59 $11.28 $12.38 $13.19 $14.14 $15.96 $18.40 $20.15 $23.22 $26.00 $29.55 $31.05 $32.34 $36.68 $41.87 $45.80

$10.39 $10.75

$12.84

$17.84 $18.85

$23.53

$32.26

$39.02

$34.83

$24.30

$44.96 $45.26

$38.45

$45.01

$54.78

$63.94

$0.00

$10.00

$20.00

$30.00

$40.00

$50.00

$60.00

$70.00

FY 2011 FY 2012 FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 FY 2025 FYTD 2026

Tangible Book Value per Common Share* Closing Stock Price

TBV/CS COMPOUND ANNUALIZED GROWTH RATE OF 10.4%**

COMMON STOCK PRICE COMPOUND ANNUALIZED GROWTH RATE OF 13.1%**

Data is as of June 30, except for FYTD 2026, which is as of March 31, 2026. Stock price used is the period end closing stock price.

* See “Important Statements – Non-GAAP Financial Measures” for a reconciliation of non-GAAP financial measures.

** Compound annualized growth rate for stock price and tangible book value per common share from June 30, 2011, through March 31, 2026.

Tangible Book Value per Common Share* and Closing Stock Price

Tangible Book Value Growth

Data as of March 31, 2026

Source: S&P Global Market Intelligence

Stock Performance – 15 Year Total Return

Forward Looking Statements

This document contains statements about the Company and its subsidiaries which we believe are “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 regarding Southern

Missouri Bancorp, Inc. (the “Company”). These forward-looking statements relate to our financial condition, results of operations, and may include, without limitation, statements with respect to anticipated future operating

and financial performance, growth opportunities, interest rates, cost savings and funding advantages expected or anticipated to be realized by management. Words such as “may,” “could,” “should,” “would,” “believe,”

“anticipate,” “estimate,” “expect,” “intend,” “plan” and similar expressions are intended to identify these forward-looking statements. Forward-looking statements by the Company and its management are based on beliefs,

plans, objectives, goals, expectations, anticipations, estimates and intentions of management and are not guarantees of future performance. The important factors we discuss below, as well as other factors discussed under

the caption "Management’s Discussion and Analysis of Financial Condition and Results of Operations" and identified in our Annual Report on Form 10-K and in our other filings with the SEC and those presented elsewhere by

our management from time to time, could cause actual results to differ materially from those indicated by the forward-looking statements made in this document:

expected cost savings, synergies and other benefits from our merger and acquisition activities, including our recently completed acquisitions, might not be realized within the anticipated time frames, to the extent

anticipated, or at all, and costs or difficulties relating to integration matters, including but not limited to customer and employee retention and labor shortages, might be greater than expected and goodwill impairment

charges might be incurred;

potential adverse impacts to economic conditions both nationally and in our local market areas, other markets where the Company has lending relationships, or other aspects of the Company’s business operations or

financial markets, including, without limitation, as a result of employment levels, labor shortages and the effects of inflation, a potential recession or slowed economic growth;

the strength of the United States economy in general and the strength of the local economies in which we conduct operations;

fluctuations in interest rates and inflation, including the effects of a potential recession whether caused by Federal Reserve actions or otherwise or slowed economic growth caused by changes in oil prices or supply chain

disruptions;

the impact of monetary and fiscal policies of the Board of Governors of the Federal Reserve System (the “Federal Reserve Board”) and the U.S. Government and other governmental initiatives affecting the financial services

industry;

potential imposition of new or increased tariffs or changes to existing trade policies that could affect economic activity or specific industry sectors;

the impact of bank failures or adverse developments at other banks and related negative press about the banking industry in general on investor and depositor sentiment;

the risks of lending and investing activities, including changes in the level and direction of loan delinquencies and write-offs and changes in estimates of the adequacy of the allowance for credit losses on loans;

our ability to access cost-effective funding and maintain sufficient liquidity;

the timely development of and acceptance of our new products and services and the perceived overall value of these products and services by users, including the features, pricing and quality compared to competitors’

products and services;

fluctuations in real estate values and both residential and commercial real estate markets, as well as agricultural business conditions;

fluctuations in the demand for loans and deposits, including our ability to attract and retain deposits;

the impact of a federal government shutdown;

legislative or regulatory changes that adversely affect our business;

the effects of climate change, severe weather events, other natural disasters, war, terrorist activities or civil unrest and their effects on economic and business environments in which the Company operates;

changes in accounting principles, policies, or guidelines;

results of examinations of us by our regulators, including the impact on FDIC insurance premiums and the possibility that our regulators may, among other things, require an increase in our reserve for credit losses on loans

or a write-down of assets;

the impact of technological changes and an inability to keep pace with the rate of technological advances;

the inability of key third party providers to perform their obligations to us;

cyber threats, such as phishing, ransomware, and insider attacks, can lead to financial loss, reputational damage, and regulatory penalties if sensitive customer data and critical infrastructure are not adequately protected;

our ability to retain key members of our management team; and

our success at managing the risks involved in the foregoing.

Important Statements

Forward Looking Statements continued

Any forward-looking statements are based upon management’s beliefs and assumptions at the time they are made. The Company wishes to advise readers that the factors listed above and other risks described in our Annual

Report on Form 10-K, including, without limitation, those described under Item 1A. “Risk Factors,” and other documents filed or furnished from time to time by the Company with the SEC (and are available on our website at

investors.bankwithsouthern.com and on the SEC’s website at www.sec.gov) could affect the Company’s financial performance and cause the Company’s actual results for future periods to differ materially from any opinions

or statements expressed with respect to future periods in any current statements. We undertake no obligation to publicly update or revise any forward-looking statements or to update the reasons why actual results could

differ from those contained in such statements, whether as a result of new information, future events or otherwise. In light of these risks, uncertainties and assumptions, the forward-looking statements discussed might not

occur, and you should not put undue reliance on any forward-looking statements.

Financial Data

Financial information presented for the third quarter of fiscal 2026 and fiscal 2026 year-to-date, and as of March 31, 2026, is provided on a preliminary basis and is unaudited.

Non-GAAP Financial Measures

Tangible common equity, tangible book value per common share, core diluted earnings per common share, and core net interest margin are financial measures determined by methods other than in accordance with

accounting principles generally accepted in the United States (GAAP). These non-GAAP financial measures are supplemental and not a substitute for an analysis based on GAAP measures. As other companies may use different

calculations for these measures, this presentation may not be comparable to other similarly titled measures used by other companies.

We calculate tangible common equity by excluding the balance of intangible assets from common stockholders’ equity. We calculate tangible book value per common share by dividing tangible common equity by common

shares outstanding, less restricted common shares not vested, as compared to book value per common share, which we calculate by dividing common stockholders’ equity by common shares outstanding, less restricted

common shares not vested. We believe that this is consistent with the treatment by bank regulatory agencies, which generally exclude intangible assets from the calculation of risk-based capital ratios.

We calculate core diluted earnings per common share by excluding from net interest income the accretion of fair value discount on the acquired loan portfolio and amortization of fair value premium on the acquired time

deposit portfolio resulting from the fiscal 2015 Peoples acquisition, the fiscal 2017 Capaha acquisition, the fiscal 2018 SMB-Marshfield acquisition, the fiscal 2019 First Commercial acquisition, the fiscal 2020 Central

acquisition, the fiscal 2022 FortuneBank acquisition, and the fiscal 2023 Citizens acquisition. We also exclude from noninterest expense the acquisition expenses we incurred during fiscal years 2022, 2023 and 2024 resulting

from these acquisitions. We believe that core diluted earnings per common share is useful in assessing our core operating performance, particularly when comparing periods or when comparing our operating performance to

the operating performance of our industry peers.

We calculate core net interest margin by excluding from net interest income the accretion of fair value discount on the acquired loan portfolio and amortization of fair value premium on the acquired time deposit portfolio

resulting from the Peoples acquisition, the Capaha acquisition, the SMB-Marshfield acquisition, the First Commercial acquisition, the Central acquisition, the FortuneBank acquisition, and the Citizens acquisition.

We believe that each of these non-GAAP financial measures provides information that is important to investors and that is useful in understanding our capital position and ratios. Reconciliations of the non-GAAP measures of

tangible common equity, tangible book value per common share, core diluted earnings per common share, and core net interest margin to the GAAP measures of common stockholders’ equity, book value per common share,

diluted earnings per common share, and net interest margin are set forth below.

Important Statements

Stefan Chkautovich

Executive Vice President and

Chief Financial Officer

Matt Funke

President and

Chief Administrative Officer

Greg Steffens

Chairman and

Chief Executive Officer

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