Better Health for All

Southern Missouri Bancorp, Inc. (SMBC.US) operates as a holding company for a bank, providing traditional banking and financial services such as deposit accounts, loans, and wealth management. The company's core business activities do not inherently involve direct positive or negative health impacts, nor do they typically relate to health risks, health-specific R&D, health externalities, or health equity programs.

Therefore, all relevant KPIs are scored as 0, indicating that they are not applicable to the company's primary business model or that its activities have a neutral impact on health outcomes.

Fair Money & Economic Opportunity

As of May 31, 2025, approximately 11% of the bank's total investment portfolio consists of CRA-qualified assets.

In 2023, the bank originated $44,000,000 in Community Development Loans. The bank received a 'Satisfactory' rating from the OCC in its most recent CRA performance evaluation report dated February 27, 2023, for the period of January 1, 2021, to December 31, 2022. However, the bank has not undertaken proactive fair-lending audits. The bank has invested $164,000,000 in CRA-qualified investments since 2023. The bank provides basic financial information on request, such as the FDIC's 'Money Smart Program' and customized financial wellness training for employees through Southern@Work, but does not detail structured programs or their reach. The bank's CRA plan includes a broader statewide or regional area for community development loans and investments across South Dakota, Iowa, Minnesota, Nebraska, North Dakota, Kansas, and Missouri. The bank provides public access to its CRA Performance Evaluation, branch locations, assessment area maps, CRA and HDMA notice, and account service fee schedule, with information current as of April 1 each year. CRA Disclosure Statements for the past two years are accessible from the FFIEC website.

Honest & Fair Business

The company has a formal whistleblower policy that encourages reporting to multiple channels, including the Audit Committee Chairman, supervisor, HR, internal auditor, or CEO, and explicitly states anonymity and protection from retaliation.

However, there is no evidence of independent investigation processes for these complaints. An anti-corruption policy is in place, prohibiting bribery and requiring accurate record-keeping and risk-based due diligence for third parties. The policy allows for exceptions for gifts, gratuities, and other items of reasonable value, but there is no evidence regarding the frequency or effectiveness of training.

Kind to Animals

Southern Missouri Bancorp, Inc. (SMBC.US) is a financial services company, and its core business model does not involve activities such as product manufacturing, animal testing, animal agriculture, or the use of animal-derived ingredients.

Therefore, KPIs related to cruelty-free certification, alternative testing methods, humane certifications for operations, ethical input substitution, supplier audits for welfare, cage-free sourcing, animal testing policies and volume, innovation in animal-free technologies, animal agriculture ethics, and animal-free R&D collaboration are not applicable. The company supports organizations like the Carthage Humane Society and Joplin Humane Society with thousands of dollars annually, and its 215 employees are encouraged to volunteer. However, this information does not provide specific, measurable data for wildlife conservation impact or public policy engagement as defined by the rubric's quantitative thresholds, leading to their omission.

Zero Waste & Sustainable Products

No specific, quantitative data points related to waste management, sustainable products, or zero-waste initiatives for Southern Missouri Bancorp, Inc. (SMBC.US) were found in the provided articles.

The articles focus on overall ESG risk ratings and general performance scores, explicitly stating that specific sustainability metrics are not provided.