Operator

Hello, and thank you for standing by. My name is Bella, and I will be your conference operator today. At this time, I would like to welcome everyone to Southern Missouri Bancorp Earnings Conference Call. [Operator Instructions]

I would now like to turn the conference over to Stefan Chkautovich, Chief Financial Officer. You may begin.

Stefan Chkautovich
Executive VP, CFO & Principal Financial Officer

Thank you, Bella. Good morning, everyone. This is Stefan Chkautovich, CFO with Southern Missouri Bancorp. Thank you for joining us today. The purpose of this call is to review the information and data presented in our quarterly earnings release dated Wednesday, April 22, 2026, and to take your questions. We may make certain forward-looking statements during today's call, and we refer you to our cautionary statement regarding forward-looking statements contained in the press release.

I'm joined on the call today by Greg Steffens, our Chairman and CEO; and Matt Funke, President and Chief Administrative Officer. Matt will lead off our conversation today with some highlights from our most recent quarter and fiscal year.

Matthew Funke
President & Chief Administrative Officer

Thank you, Stefan. Good morning, everyone. This is Matt Funke. Thanks for joining us. I'll start off with some highlights on our financial results for the March quarter, the third quarter of our fiscal year. Quarter-over-quarter, our earnings and profitability were down a bit from an increase in operating expenses and a modest uptick in