Southern Missouri Bancorp, Inc. is as a holding company, which engages in the provision of financial services. The company is headquartered in Poplar Bluff, Missouri and currently employs 511 full-time employees. The principal business of the Bank consists primarily of retail deposits from the general public and using its deposits along with wholesale funding from the Federal Home Loan Bank of Des Moines (FHLB), lesser extent, brokered deposits, mortgage loans and commercial non-mortgage business loans. The Bank offers a range of deposit instruments, including interest-bearing and noninterest-bearing transaction accounts, money market deposit accounts, saving accounts, certificates of deposit and retirement savings plans. The Bank’s lending activities consist of originating loans secured by mortgages on one- to four-family and multi-family residential real estate, commercial and agricultural real estate, construction loans on residential and commercial properties, commercial and agricultural business loans and consumer loans.