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Great Southern Bank

Reeds Spring, MO · Cert 29546 · Great Southern Bcorp Inc.

State charter, non-member · FDIC · 105 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

56

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

10

Q2 2024Q2 2026peer median

Efficiency

38

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Great Southern Bank

Reeds Spring, MO · Cert 29546 · Great Southern Bcorp Inc.

State charter, non-member · FDIC · 105 branches

Q2 2026

$5.5BAssets
$4.4BLoans
$4.4BDeposits
$607.1MEquity
Loan mix
96%RE $4.3B3%C&I $0.2B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $2.8B35%Noninterest $1.5BQ2 2025Q2 2026

NIM

5.45%Q2 ’245.47%Q2 ’255.13%Q2 ’26+7%+1%

Non-interest income vs. expense

2.37%Q2 ’242.33%Q2 ’252.56%Q2 ’26+0%+12%

Market Position · Springfield, MO · 2026 SOD (annual) · 11.5% share · #1 of 41 inst. · $2.0B of $17.8B

13.6% Greene
0.7% St. Louis
7.9% Woodbury
7.7% Christian

Executive Summary

  • Earnings: ROA of 1.26%, down 11 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 0.02% of loans (-2 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 11.25%, up 5 bps from a year ago.
  • Funding: loans stand at 100.07% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.26%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.54%+2 bps YoY

Efficiency Ratio (YTD, annualized)

63.05%+519 bps YoY

Tier 1 Leverage Ratio

11.25%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%1.34%1.31%1.31%1.26%-11 bps
Return on Equity13.02%12.62%12.30%12.11%11.61%-141 bps
Net Interest Margin3.51%3.59%3.66%3.48%3.54%+2 bps
Efficiency Ratio57.85%58.78%59.56%60.85%63.05%+519 bps
Non-Interest Burden1.82%1.90%1.97%1.92%2.04%+22 bps
Growth
Asset Growth (YoY)-1.76%-4.95%-6.38%-5.09%-5.66%-390 bps
Loan Growth (YoY)-2.28%-5.18%-7.01%-4.91%-4.89%-261 bps
Deposit Growth (YoY)0.81%-4.55%-3.27%-7.22%-7.18%-799 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.04%0.05%0.08%0.02%-2 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.04%+4 bps
Allowance / Loans1.41%1.43%1.46%1.43%1.46%+5 bps
Allowance Coverage of NPLs31.7x37.5x30.9x18.8x61.9x+30.2x
Capital
Tier 1 Leverage Ratio11.20%11.51%11.28%11.30%11.25%+5 bps
Total Risk-Based Capital14.37%14.64%14.29%14.24%14.47%+10 bps
Equity / Assets10.76%11.10%10.89%10.72%10.99%+23 bps
Liquidity & Funding
Loans / Deposits97.67%99.44%97.44%100.46%100.07%+241 bps
Liquid Assets / Assets5.45%4.94%4.62%4.63%4.67%-78 bps
CRE / Total Capitaln/a500%517%529%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Great Southern Bank

Reeds Spring, MO · Cert 29546 · Peer group: banks $1B-$10B in assets (n=322-328) · Great Southern Bcorp Inc.

State charter, non-member · FDIC · 105 branches

Q2 2026

$5.5BAssets
$4.4BLoans
$4.4BDeposits
$607.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 93% of banks $1B-$10B in assets (rank 23 of 322).
  • Widest gap: efficiency ratio trails 62% of banks $1B-$10B in assets (rank 205 of 328).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.28%

Rank 141 of 328

Net Interest Margin

3.54%

Rank 146 of 328

Efficiency Ratio

63.24%

Rank 205 of 328

Equity / Assets

10.99%

Rank 129 of 328

Non-interest income vs. expense

$28.9M$143.5MINCOMEEXPENSE
Unfavorable gap of $114.6M · efficiency ratio beats 38% of banks $1B-$10B in assets
Bank 63.24%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.28%0.91%1.22%1.52%Beats 57%141 / 328
Return on Equity11.65%8.43%11.45%14.43%Beats 52%159 / 328
Net Interest Margin3.54%3.03%3.45%3.83%Beats 55%146 / 328
Efficiency Ratio63.24%51.61%59.56%67.53%Beats 38%205 / 328
Asset Quality
Nonperforming Loans / Loans0.02%0.24%0.51%1.03%Beats 93%23 / 322
Net Charge-Offs / Loans0.03%0.01%0.03%0.10%Beats 49%165 / 322
Capital
Tier 1 Capital Ratio13.22%11.75%13.15%15.47%Beats 52%159 / 328
Total Risk-Based Capital Ratio14.47%12.63%14.15%16.46%Beats 55%149 / 328
Equity / Assets10.99%9.15%10.33%12.01%Beats 61%129 / 328
Liquidity & Funding
Loans / Deposits100.07%76.63%87.92%95.36%86th pctl45 / 323
Loans / Assets79.25%65.18%74.15%79.98%73rd pctl90 / 328
Brokered Deposits / Depositsn/aNot reported for this institution