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of Contents](#TOC)\n\n​\n\n​\n\n​\n\nUNITED STATES\n\nSECURITIES AND EXCHANGE COMMISSION\n\nWashington, D.C. 20549\n\n**FORM ****10-K**\n\n​\n\n☒\n\nANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934\n\n​\n\nFor the fiscal year ended **June 30, 2026****                    **OR\n\n​\n\n☐\n\nTRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934\n\n​\n\nCommission File Number: 0-23406\n\n​\n\n​\n\n​\n\n​\n\n**SOUTHERN MISSOURI BANCORP, INC.**\n\n(Exact name of registrant as specified in its charter)\n\n​\n\n​\n\n​\n\n**Missouri**\n\n**  ​ ​ ​**\n\n**43-1665523**\n\n(State or other jurisdiction of incorporation or organization)\n\n​\n\n(I.R.S. Employer Identification No.)\n\n​\n\n​\n\n​\n\n**2991 Oak Grove Road****,****Poplar Bluff****,****Missouri**\n\n​\n\n**63901**\n\n(Address of principal executive offices)\n\n​\n\n(Zip Code)\n\n​\n\nRegistrant’s telephone number, including area code: **(****573****)****778-1800**\n\nSecurities registered pursuant to Section 12(b) of the Act:\n\n​\n\nTitle of Each Class\n\n**  ​ ​ ​**\n\nTrading Symbol\n\n  ​ ​ ​\n\nName of Each Exchange\non Which Registered\n\n**Common Stock****,**\n**par value $0.01 per share**\n\n​\n\n**SMBC**\n\n​\n\n**The NASDAQ Stock Market, LLC**\n\n​\n\nSecurities Registered Pursuant to 12(g) of the Act: **None**\n\nIndicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes ◻ No  ⌧\n\nIndicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes ◻ No  ⌧\n\nIndicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.  Yes ⌧ No  ◻\n\nIndicate by check mark whether the registrant has submitted electronically and posted on its corporate web site, if any, every interactive data file required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registration was required to submit such files).  Yes ⌧ No  ◻\n\nIndicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.\n\n​\n\n​\n\n​\n\n​\n\n​\n\n​\n\nLarge accelerated filer\n\n¨\n\nAccelerated filer\n\n☒\n\n​\n\n​\n\n​\n\n​\n\n​\n\n​\n\n​\n\n​\n\nNon-accelerated filer\n\n¨  \n\nSmaller reporting company\n\n☐\n\nEmerging growth company\n\n☐\n\n​\n\nIf 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 ◻\n\nIndicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report. ☒\n\nIf securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an error to previously issued financial statements. ◻\n\nIndicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant’s executive officers during the relevant recovery period pursuant to § 240.10D-1(b). ◻\n\nIndicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).  Yes  ☐  No  ⌧\n\nThe aggregate market value of the voting and non-voting common equity held by non-affiliates of the registrant, computed by reference to the average of the high and low traded price of such stock as of the last business day of the registrant’s most recently completed second fiscal quarter, was $581.1 million. (The exclusion from such amount of the market value of the shares owned by any person shall not be deemed an admission by the registrant that such person is an affiliate of the registrant.)\n\nAs of September 10, 2026, there were issued and outstanding 11,013,279 shares of the Registrant’s common stock.\n\n**DOCUMENTS INCORPORATED BY REFERENCE**\n\nPart III of Form 10-K - Portions of the Proxy Statement for the 2026 Annual Meeting of Stockholders.\n\n​\n\n​\n\n​\n\n[Table of Contents](#TOC)\n\nSOUTHERN MISSOURI BANCORP, INC.\n\nFORM 10-K\n\nTABLE OF CONTENTS\n\n​\n\n​\n\n​\n\n​\n\nPage\n\n[**PART I**](#PARTI_959530)\n\n​\n\n3\n\n​\n\n​\n\n​\n\n[Item 1.](#Item1DescriptionofBusiness_249229)\n\n[Description of Business](#Item1DescriptionofBusiness_249229)\n\n3\n\n[Item 1A.](#Item1ARiskFactors_423695)\n\n[Risk Factors](#Item1ARiskFactors_423695)\n\n38\n\n[Item 1B.](#Item1BUnresolvedStaffComments_236995)\n\n[Unresolved Staff Comments](#Item1BUnresolvedStaffComments_236995)\n\n52\n\n[Item 1C.](#Item1CCybersecurity_136562)\n\n[Cybersecurity, Risk Management, Strategy and Governance](#Item1CCybersecurity_136562)\n\n53\n\n[Item 2.](#Item2DescriptionofProperties_955634)\n\n[Description of Properties](#Item2DescriptionofProperties_955634)\n\n55\n\n[Item 3.](#Item3LegalProceedings_218435)\n\n[Legal Proceedings](#Item3LegalProceedings_218435)\n\n55\n\n[Item 4.](#Item4MineSafetyDisclosures_312021)\n\n[Mine Safety Disclosures](#Item4MineSafetyDisclosures_312021)\n\n55\n\n[Item 4A.](#Item4AInformationAboutOurExecutiveOffice)\n\n[Information About Our Executive Officers](#Item4AInformationAboutOurExecutiveOffice)\n\n55\n\n​\n\n​\n\n​\n\n[**PART II**](#PARTII_101416)\n\n​\n\n58\n\n​\n\n​\n\n​\n\n[Item 5.](#Item5Market_254493)\n\n[Market for the Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities](#Item5Market_254493)\n\n58\n\n[Item 6.](#Item_6_Reserved)\n\n[[Reserved]](#Item_6_Reserved)\n\n59\n\n[Item 7.](#Item7ManagementsDiscussion_958649)\n\n[Management’s Discussion and Analysis of Financial Condition and Results of Operations](#Item7ManagementsDiscussion_958649)\n\n59\n\n[Item 7A](#Item7AQuantitativeandQualitative_425027).\n\n[Quantitative and Qualitative Disclosures About Market Risk](#Item7AQuantitativeandQualitative_425027)\n\n73\n\n[Item 8.](#Item8FinancialStatementsandSupplementary)\n\n[Financial Statements and Supplementary Information](#Item8FinancialStatementsandSupplementary)\n\n75\n\n[Item 9.](#Item9ChangesinandDisagreements_609665)\n\n[Changes in and Disagreements With Accountants on Accounting and Financial Disclosure](#Item9ChangesinandDisagreements_609665)\n\n132\n\n[Item 9A.](#Item9AControlsandProcedures_235726)\n\n[Controls and Procedures](#Item9AControlsandProcedures_235726)\n\n132\n\n[Item 9B.](#Item9BOtherInformation_214519)\n\n[Other Information](#Item9BOtherInformation_214519)\n\n136\n\n[Item 9C.](#Item9CDisclosureRegarding_808556)\n\n[Disclosure Regarding Foreign Jurisdictions that Prevent Inspections](#Item9CDisclosureRegarding_808556)\n\n136\n\n​\n\n​\n\n​\n\n[**PART III**](#PARTIII_925081)\n\n​\n\n137\n\n​\n\n​\n\n​\n\n[Item 10.](#Item10Directors_222676)\n\n[Directors, Executive Officers, and Corporate Governance](#Item10Directors_222676)\n\n137\n\n[Item 11.](#Item11ExecutiveCompensation_948940)\n\n[Executive Compensation](#Item11ExecutiveCompensation_948940)\n\n137\n\n[Item 12.](#Item12SecurityOwnership_944876)\n\n[Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters](#Item12SecurityOwnership_944876)\n\n138\n\n[Item 13.](#Item13CertainRelationships_696372)\n\n[Certain Relationships, Related Transactions, and Director Independence](#Item13CertainRelationships_696372)\n\n138\n\n[Item 14.](#Item14Principal_296910)\n\n[Principal Accountant Fees and Services](#Item14Principal_296910)\n\n138\n\n​\n\n​\n\n​\n\n[**PART IV**](#PARTIV_464580)\n\n​\n\n139\n\n​\n\n​\n\n​\n\n[Item 15.](#Item15ExhibitsandFinancial_8050)\n\n[Exhibits and Financial Statement Schedules](#Item15ExhibitsandFinancial_8050)\n\n139\n\n[Item 16.](#Item16Form10KSummary_465073)\n\n[Form 10-K Summary](#Item16Form10KSummary_465073)\n\n140\n\n[Signatures](#SIGNATURES_668969)\n\n​\n\n141\n\n​\n\n​\n\n​\n\n2\n\n[Table of Contents](#TOC)\n\nPART I"}