Reeds Spring, MO · Cert 29546 · Great Southern Bcorp Inc.
State charter, non-member · FDIC · 105 branches
Q2 2026
Market Position · Springfield, MO · 2026 SOD (annual) · 11.5% share · #1 of 41 inst. · $2.0B of $17.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 1.12% | 1.27% | 1.46% | 1.29% | 1.22% | 1.31% | 1.20% | -25 bps | |
| Return on Equity | 11.61% | 10.66% | 12.26% | 13.76% | 11.85% | 11.11% | 12.11% | 11.10% | -265 bps | |
| Net Interest Margin | 3.34% | 3.42% | 3.43% | 3.57% | 3.57% | 3.57% | 3.48% | 3.59% | +2 bps | |
| Efficiency Ratio | 58.48% | 62.28% | 59.28% | 56.50% | 60.66% | 61.99% | 60.85% | 65.18% | +868 bps | |
| Non-Interest Burden | 1.75% | 1.96% | 1.86% | 1.78% | 1.97% | 2.02% | 1.92% | 2.16% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.99% | 2.91% | 3.73% | -1.76% | -4.95% | -6.38% | -5.09% | -5.66% | -390 bps | |
| Loan Growth (YoY) | 3.26% | 2.19% | 2.14% | -2.28% | -5.18% | -7.01% | -4.91% | -4.89% | -261 bps | |
| Deposit Growth (YoY) | -2.52% | -1.58% | 0.57% | 0.81% | -4.55% | -3.27% | -7.22% | -7.18% | -799 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.16% | 0.08% | 0.07% | 0.04% | 0.04% | 0.05% | 0.08% | 0.02% | -2 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.01% | 0.00% | -0.01% | 0.01% | 0.00% | 0.00% | 0.07% | +8 bps | |
| Allowance / Loans | 1.36% | 1.36% | 1.36% | 1.41% | 1.43% | 1.46% | 1.43% | 1.46% | +5 bps | |
| Allowance Coverage of NPLs | 8.7x | 18.1x | 18.6x | 31.7x | 37.5x | 30.9x | 18.8x | 61.9x | +30.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.17% | 11.03% | 11.08% | 11.20% | 11.51% | 11.28% | 11.30% | 11.25% | +5 bps | |
| Total Risk-Based Capital | 14.18% | 13.86% | 13.91% | 14.37% | 14.64% | 14.29% | 14.24% | 14.47% | +10 bps | |
| Equity / Assets | 10.67% | 10.30% | 10.43% | 10.76% | 11.10% | 10.89% | 10.72% | 10.99% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.11% | 101.35% | 98.02% | 97.67% | 99.44% | 97.44% | 100.46% | 100.07% | +241 bps | |
| Liquid Assets / Assets | 4.84% | 4.58% | 4.94% | 5.45% | 4.94% | 4.62% | 4.63% | 4.67% | -78 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 500% | 517% | 529% | n/a | n/a | |