Southern Missouri Bancorp (SMBC) Q4 2025 Earnings Call July 24, 2025 10:30 AM ET Speaker0Hello, everyone. And thank you for joining the Southern Missouri Bancorp earnings conference call. My name is Sammy, and I'll be coordinating your call today. During the presentation, you can register a question by pressing star followed by one on your telephone keypad. If you change your mind, please press star followed by 2 to remove yourself from question queue.I would now like to hand over to our host, Stefan Chukot ...