Damon Del Monte

Andrew Liesch

John Rodis

- Great Southern Bancorp, Inc. reported preliminary **Q3 2025 earnings of $1.56 per diluted common share**, an increase from $1.41 per diluted common share in Q3 2024.  **[854560_0001171843-25-006476_exh_991.htm:0]** **[854560_0001171843-25-006476_exh_991.htm:1]** 
- **Net interest income increased 5.8% to $50.8 million** for Q3 2025, with an annualized net interest margin of **3.72%**, up from 3.42% in Q3 2024.  **[854560_0001171843-25-006476_exh_991.htm:0]** **[854560_0001171843-25-006476_exh_991.htm:2]** 
- Asset quality improved, with **non-performing assets totaling $7.8 million (0.14% of total assets)** at September 30, 2025, a decrease of $1.8 million from December 31, 2024.  **[854560_0001171843-25-006476_exh_991.htm:0]** **[854560_0001171843-25-006476_exh_992.htm:4]** **[854560_0001171843-25-006476_exh_991.htm:8]** 
- The company maintained a strong capital position, reflected by a **tangible common equity to tangible assets ratio of 10.9%** and a book value per common share of approximately **$56.18** at September 30, 2025.  **[854560_0001171843-25-006476_exh_991.htm:0]** **[854560_0001171843-25-006476_exh_991.htm:2]** 
- Total net loans decreased **4.7% to $4.47 billion** at September 30, 2025, from December 31, 2024, and the company repurchased approximately **165,000 shares** of common stock during Q3 2025.  **[854560_0001171843-25-006476_exh_991.htm:0]** **[854560_0001171843-25-006476_exh_991.htm:2]** **[854560_0001171843-25-006476_exh_991.htm:7]**

Great Southern Bancorp, Inc. Reports Q3 2025 Earnings and Financial Results

- **Preliminary earnings** for the three months ended September 30, 2025, were **$1.56 per diluted common share** (**$17.8 million net income**), an increase from $1.41 per diluted common share ($16.5 million net income) for the same period in 2024.  **[854560_67272f17c13a409dbee0d09e5d0337ad_0]** **[854560_67272f17c13a409dbee0d09e5d0337ad_2]** 
- **Net interest income** for the third quarter of 2025 increased by **$2.8 million (5.8%)** to **$50.8 million** compared to the third quarter of 2024, primarily driven by lower interest expense on deposit accounts and other borrowings.  **[854560_67272f17c13a409dbee0d09e5d0337ad_0]** **[854560_67272f17c13a409dbee0d09e5d0337ad_4]**  The annualized net interest margin was **3.72%** for the quarter ended September 30, 2025, up from 3.42% in the prior year period.  **[854560_67272f17c13a409dbee0d09e5d0337ad_0]** 
- **Asset quality remained strong**, with non-performing assets and potential problem loans totaling **$9.2 million** at September 30, 2025, a decrease of **$7.4 million** from December 31, 2024.  **[854560_67272f17c13a409dbee0d09e5d0337ad_0]**  Non-performing assets were **$7.8 million (0.14% of total assets)** at September 30, 2025.  **[854560_67272f17c13a409dbee0d09e5d0337ad_0]** 
- The company maintained a **strong capital position**, with a **tangible common equity to tangible assets ratio of 10.9%** and a **Tier 1 Leverage Ratio of 11.9%** at September 30, 2025.  **[854560_67272f17c13a409dbee0d09e5d0337ad_0]** **[854560_67272f17c13a409dbee0d09e5d0337ad_3]** **[854560_67272f17c13a409dbee0d09e5d0337ad_8]** 
- During the third quarter of 2025, Great Southern Bancorp **repurchased 165,116 shares** of its common stock at an average price of $60.33 and declared a regular quarterly cash dividend of **$0.43 per common share**.  **[854560_67272f17c13a409dbee0d09e5d0337ad_9]** **[854560_67272f17c13a409dbee0d09e5d0337ad_23]**

GREAT SOUTHERN BANCORP (GSBC)