Southern Missouri Bancorp, Inc. is as a holding company, which engages in the provision of financial services. The firm focuses on attracting retail deposits from the general public and using such deposits along with wholesale funding from the Federal Home Loan Bank of Des Moines ("FHLB"), and, to a lesser extent, brokered deposits, to invest in one- to four-family residential mortgage loans, mortgage loans secured by commercial real estate, commercial non-mortgage business loans, and consumer loans. The company was founded on December 30, 1993 and is headquartered in Poplar Bluff, MO.