GREAT SOUTHERN BANCORP (GSBC) Company Report

Great Southern Bancorp reported net income of $16.3 million or $1.45 per diluted common share for Q4 2025, and $71 million or $6.19 per diluted common share for the full year 2025.
The company's net interest margin expanded to 3.70% in Q4 2025, up from 3.49% in the year-ago quarter, with net interest income totaling $49.2 million.
Net loans receivable declined by 7.1% to $4.336 billion at year-end 2025, and total deposits decreased by 2.7% to $4.48 billion, primarily due to reductions in brokered and time deposits.
Credit quality remained strong, with non-performing assets at 0.15% of total assets and net recoveries of $22,000 in Q4 2025.
The company repurchased 241,000 shares of common stock in Q4 2025 at an average price of $59.33, contributing to a full-year total of 755,000 shares repurchased.

Jan 22, 2026, 8:00 PM

Transcript

Great Southern Bancorp Announces Fourth Quarter and Full Year 2025 Results

GSBC

Earnings

Share Buyback

Dividends

Great Southern Bancorp reported net income of $16.3 million or $1.45 per diluted common share for Q4 2025, and $71 million or $6.19 per diluted common share for the full year 2025.
The company achieved net interest margin expansion to 3.70% in Q4 2025, up from 3.49% in the prior year quarter, despite a slight decrease in net interest income to $49.2 million.
Net loans receivable declined by 7.1% year-over-year to $4.336 billion, and total deposits decreased by 2.7% to $4.48 billion at year-end 2025, primarily due to reductions in brokered and retail time deposits.
Credit quality remained strong, with non-performing assets at 0.15% of total assets and net recoveries of $22,000 in Q4 2025.
The company repurchased 241,000 shares of common stock at an average price of $59.33 in Q4 2025 and declared a regular quarterly cash dividend of $0.43 per common share.

Jan 22, 2026, 8:00 PM

Transcript

Great Southern Bancorp Reports Q4 2025 Loan Portfolio Update

GSBC

Earnings

Demand Weakening

Great Southern Bancorp's total gross loans decreased to $4,434,516 thousand as of December 31, 2025, from $4,543,707 thousand as of September 30, 2025.
Non-performing loans increased to $2,094 thousand as of December 31, 2025, up from $1,728 thousand as of September 30, 2025, with Single Family Real Estate accounting for 99% of this total.
The largest loan categories as of December 31, 2025, were Commercial Real Estate at $1,556,148 thousand, Multi-family Real Estate at $1,387,410 thousand, and Single Family Real Estate at $788,835 thousand.
Within Commercial Real Estate, the largest industry exposures as of December 31, 2025, included Motels / Hotels ($314,077 thousand), Industrial ($280,376 thousand), and Retail ($272,152 thousand). Both the Office and Retail + Restaurant portfolios were 100% Pass Rated.

Jan 22, 2026, 8:00 PM

Presentation

Great Southern Bancorp Reports Q4 and Full Year 2025 Financial Results

GSBC

Earnings

Share Buyback

Demand Weakening

Great Southern Bancorp reported net income of $16.3 million (or $1.45 per diluted common share) for Q4 2025 and $71.0 million (or $6.19 per diluted common share) for the full year 2025.
The company achieved net interest margin expansion to 3.70% in Q4 2025, up from 3.49% in the prior year quarter, largely due to effective funding cost management.
Net loans receivable decreased by 7.1% to $4.336 billion and total deposits declined by 2.7% to $4.48 billion at year-end 2025, primarily due to elevated loan payoffs and a reduction in brokered deposits.
Credit quality remained strong, with non-performing assets at 0.15% of total assets and net recoveries of $22,000 in Q4 2025, with no provision for credit losses on outstanding loans.
GSBC repurchased 241,000 shares in Q4 2025 and 755,000 shares for the full year, while maintaining robust capital levels with tangible common equity at 11.2% at year-end 2025.

Jan 22, 2026, 8:00 PM

Transcript

Great Southern Bancorp, Inc. Reports Q4 and Full-Year 2025 Financial Results

GSBC

Earnings

Share Buyback

Demand Weakening

Great Southern Bancorp, Inc. reported preliminary Q4 2025 diluted earnings per common share of $1.45, an increase from $1.27 in Q4 2024, and full-year 2025 diluted EPS of $6.19, up from $5.26 in 2024.
Net interest income for Q4 2025 decreased to $49.2 million from $49.5 million in Q4 2024, primarily due to the completion of accounting recognition of interest income from a previously-terminated interest rate swap, while the annualized net interest margin improved to 3.70% from 3.49% in the prior year period.
Asset quality improved, with non-performing assets totaling $8.1 million (0.15% of total assets) at December 31, 2025, a decrease of $7.1 million from December 31, 2024. The company's capital position remained strong, with a tangible common equity ratio of 11.2% and total stockholders' equity increasing by $36.6 million to $636.1 million at December 31, 2025.
Total net loans decreased by 7.1% to $4.36 billion at December 31, 2025, driven by decreases in other residential (multi-family), construction, one- to four-family residential, and commercial business loans. The company also executed $44.5 million in common stock repurchases during 2025.

Jan 22, 2026, 3:45 PM

8-K

Great Southern Bancorp Reports Preliminary Fourth Quarter and Full-Year 2025 Earnings

GSBC

Earnings

Great Southern Bancorp reported preliminary diluted earnings per common share of $1.45 for the three months ended December 31, 2025, and $6.19 for the full year 2025.
Net interest income for Q4 2025 decreased by $371,000 (0.7%) to $49.2 million compared to Q4 2024, primarily due to the completion of accounting recognition of interest income from a previously-terminated interest rate swap.
The annualized net interest margin expanded to 3.70% for Q4 2025, up from 3.49% in Q4 2024.
Non-performing assets decreased to $8.1 million (0.15% of total assets) at December 31, 2025, from $9.6 million (0.16% of total assets) at December 31, 2024.
The company's capital position remained strong, significantly exceeding regulatory "well-capitalized" thresholds, with a Tier 1 Leverage Ratio of 12.2% at December 31, 2025.

Jan 21, 2026, 11:00 PM

Press Release

GSBC Announces Q3 2025 Financial Results

GSBC

Earnings

Share Buyback

Demand Weakening

GSBC reported net income of $17.8 million ($1.56 per diluted share) in Q3 2025, an increase from $16.5 million ($1.41 per diluted share) in Q3 2024.
Net interest income rose 5.8% year-over-year to $50.8 million, with the net interest margin improving to 3.72% from 3.42% in Q3 2024.
Asset quality showed improvement, with non-performing assets decreasing to $7.8 million (0.14% of total assets) in Q3 2025, a $1.8 million decrease from December 31, 2024.
Stockholders' equity increased by $33.4 million to $632.9 million compared to December 31, 2024, contributing to a tangible common equity to tangible assets ratio of 10.9%. Gross loans, however, declined by $223.7 million (4.7%) to $4.54 billion from December 31, 2024.

Oct 16, 2025, 7:00 PM

Presentation

Great Southern Bancorp Reports Strong Q3 2025 Earnings

GSBC

Earnings

Dividends

Share Buyback

Great Southern Bancorp reported net income of $17,800,000 or $1.56 per diluted common share for Q3 2025, an increase from the prior year period.
The company's net interest income totaled $50,800,000 and the annualized net interest margin improved to 3.72% in Q3 2025, reflecting effective funding cost control.
Asset quality remained healthy with nonperforming assets at $7,800,000 (0.14% of total assets) and no provision for credit losses on outstanding loans recorded in Q3 2025.
Total loans decreased to $4,470,000,000 and total deposits decreased to $4,530,000,000 as of September 30, 2025, primarily due to elevated loan payoffs and a reduction in brokered deposits.
The company maintained a strong capital position, with stockholders' equity increasing to $632,900,000 and a tangible common equity ratio of 10.9%; it also repurchased 165,000 shares and declared a $0.43 per common share quarterly dividend in Q3 2025.

Oct 16, 2025, 7:00 PM

Transcript

Great Southern Bancorp Reports Q3 2025 Earnings with Increased Net Income and Dividend

GSBC

Earnings

Dividends

Share Buyback

Great Southern Bancorp (GSBC) reported net income of $17.8 million, or $1.56 per diluted common share, for the third quarter of 2025, an increase from $16.5 million or $1.41 in the same period a year ago.
Net interest income totaled $50.8 million for Q3 2025, with the annualized net interest margin improving to 3.72% from 3.42% in the prior year period.
Gross loans declined 4.7% to $4.54 billion at September 30, 2025, compared to December 31, 2023, primarily due to elevated commercial real estate and multifamily loan payoffs. Total deposits decreased 1.7% to $4.53 billion over the same period.
The company recorded no provision for credit losses on outstanding loans in Q3 2025, maintaining strong asset quality with non-performing assets at $7.8 million, or 0.14% of total assets.
GSBC's Board of Directors declared an increased quarterly cash dividend of $0.43 per common share, and the company repurchased 165,000 shares of common stock during the quarter at an average price of $60.33 per share.

Oct 16, 2025, 7:00 PM

Transcript

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

GSBC

Earnings

Share Buyback

Demand Weakening

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.
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.
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.
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.
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.