Southern Missouri Bancorp is the bank holding company for Southern Bank, a community bank operating across Missouri, Arkansas, Illinois, and Kansas. The bank gathers deposits from retail and commercial customers and deploys funds into loans across both rural regions and metropolitan areas such as St. Louis and Kansas City. Its loan portfolio consists primarily of commercial real estate, residential mortgages, commercial and industrial financing, agricultural real estate and production credit, and consumer loans. Southern Bank funds its lending through checking, savings, money market accounts, certificates of deposit, and wholesale borrowings. The bank's business model relies primarily on net interest income, earning the spread between yields on loans and investments and the interest paid on customer deposits and borrowings. In addition, the bank generates non-interest fee income from banking service charges, card interchange, wealth management, insurance commissions, and loan sales. Southern Missouri Bancorp's growth strategy combines organic loan expansion, funded by core deposits, with bank acquisitions to enter new regional markets and increase operating scale.