Great Southern Bancorp, Inc. (NASDAQ: GSBC)

Great Southern Bancorp, Inc. is a bank holding company and the parent of Great Southern Bank, providing a full range of banking and banking related services through its branch network and loan production offices across multiple states. At December 31, 2025 the company reported consolidated total assets of $5.60 billion, net loans of $4.36 billion, deposits of $4.48 billion and total stockholders equity of $636.1 million. The bank operates 88 full service retail banking offices and several commercial loan production offices in states including Missouri, Iowa, Kansas, Minnesota, Arkansas and Nebraska. Great Southern Bank offers commercial real estate loans, construction loans, other commercial loans, residential mortgages, home equity loans and consumer loans to its customers. The bank also provides mortgage lending services through a dedicated office in Springfield, Missouri.

The company generates revenue primarily from interest income on its loan portfolio, which includes commercial real estate loans, construction loans, other commercial loans, residential mortgages, home equity loans and consumer loans. Interest income is complemented by deposit service charges, fees on letters of credit, loan servicing income and gains on the sale of loans. Additional noninterest income is derived from investment securities, subsidiaries and fees from loan commitments, prepayments and late payment charges. At December 31, 2025 the bank’s net interest income represented a significant portion of its total revenue, while fee based income contributed to earnings diversity.

Great Southern Bancorp operates in a highly competitive banking environment that includes large national banks such as UMB Bank, U. S. Bank and Bank of America, regional banks, credit unions, finance companies and financial technology firms. Despite this competition the company maintains a strong market position in its core areas by emphasizing community relationships, offering a diversified loan mix and maintaining a well capitalized balance sheet. At December 31, 2025 the bank’s Tier 1 risk based capital ratio exceeded regulatory minimums and it was classified as well capitalized, which supports its ability to withstand economic stress and continue lending. The bank’s market share in the Springfield, Missouri metropolitan area ranked first among local depository institutions with a 13.4% share of deposits as of June 30, 2025. In the St. Louis, Missouri area the bank held a 0.4% deposit market share, ranking forty first among competitors. These positions reflect the bank’s focus on serving local communities while competing with larger national players.

The company serves approximately 192,900 customers consisting of individuals, small and medium sized businesses, commercial real estate developers and institutional clients across its six state footprint. Deposit concentrations are largest in the Springfield and St. Louis areas of Missouri, with additional significant concentrations in the Kansas City, Des Moines, Minneapolis and Quad Cities markets. Loans are also generated in banking centers serving rural communities in Missouri, Iowa and Kansas. The bank’s commercial loan production offices are located in Atlanta, Charlotte, Chicago, Dallas, Denver, Omaha and Phoenix, extending its lending reach beyond the traditional branch network. During 2025 Great Southern associates donated over 6,200 hours to community organizations and contributed nearly $56,000 in monetary donations, demonstrating the bank’s commitment to the communities it serves.