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Great Southern Bank

Meridian, MS · Cert 8552 · Great Southern Capital Corp.

State charter, Fed member · FED · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets (n=581 to 629). 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

55

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

26

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

21

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

Meridian, MS · Cert 8552 · Great Southern Capital Corp.

State charter, Fed member · FED · 11 branches

Q2 2026

$355.1MAssets
$143.7MLoans
$312.0MDeposits
$26.5MEquity
Loan mix
68%RE $97.2M14%C&I $19.3M18%Consumer $25.4MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $233.2M25%Noninterest $78.8MQ2 2025Q2 2026

NIM

4.22%Q2 ’243.77%Q2 ’253.90%Q2 ’26-10%+16%

Non-interest income vs. expense

3.25%Q2 ’243.11%Q2 ’253.07%Q2 ’26+54%+5%

Market Position · Hattiesburg, MS · 2026 SOD (annual) · 0.8% share · #16 of 20 inst. · $0.0B of $4.1B

7.2% Lauderdale
29.8% Clarke
9.5% Wayne
1.2% Forrest

Executive Summary

  • Earnings: ROA of 0.53%, up 26 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 0.67% of loans (+22 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.49%, down 12 bps from a year ago.
  • Funding: loans stand at 46.06% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.53%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.02%+42 bps YoY

Efficiency Ratio (YTD, annualized)

82.57%-783 bps YoY

Tier 1 Leverage Ratio

9.49%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.27%0.34%0.39%0.50%0.53%+26 bps
Return on Equity3.89%4.82%5.44%6.39%6.86%+296 bps
Net Interest Margin2.59%2.71%2.82%3.02%3.02%+42 bps
Efficiency Ratio90.40%88.06%86.53%83.84%82.57%-783 bps
Non-Interest Burden2.26%2.28%2.33%2.40%2.37%+11 bps
Growth
Asset Growth (YoY)-7.91%-9.29%-1.96%0.85%6.63%+1,453 bps
Loan Growth (YoY)-1.87%1.05%8.30%7.78%3.84%+571 bps
Deposit Growth (YoY)-1.28%-2.21%-1.12%-1.54%1.41%+270 bps
Asset Quality
Nonperforming Loans / Loans0.45%0.63%0.66%0.58%0.67%+22 bps
Net Charge-Offs / Loans0.04%0.02%0.02%0.01%0.02%-2 bps
Allowance / Loans0.68%0.67%0.65%0.65%0.65%-4 bps
Allowance Coverage of NPLs1.5x1.1x1.0x1.1x1.0x-0.6x
Capital
Tier 1 Leverage Ratio9.61%9.72%9.83%9.69%9.49%-12 bps
Total Risk-Based Capital20.61%20.92%20.71%21.02%21.09%+48 bps
Equity / Assets7.18%7.81%7.99%7.64%7.46%+28 bps
Liquidity & Funding
Loans / Deposits44.99%47.00%47.87%46.69%46.06%+108 bps
Liquid Assets / Assets23.10%23.69%23.06%24.87%30.04%+694 bps
CRE / Total Capitaln/a98.13%96.25%93.92%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

Meridian, MS · Cert 8552 · Peer group: banks under $1B in assets (n=581-629) · Great Southern Capital Corp.

State charter, Fed member · FED · 11 branches

Q2 2026

$355.1MAssets
$143.7MLoans
$312.0MDeposits
$26.5MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 79% of banks under $1B in assets (rank 133 of 629).
  • Widest gap: equity / assets trails 92% of banks under $1B in assets (rank 581 of 629).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.51%

Rank 503 of 629

Net Interest Margin

3.02%

Rank 473 of 629

Efficiency Ratio

82.57%

Rank 497 of 629

Equity / Assets

7.46%

Rank 581 of 629

Non-interest income vs. expense

$2.5M$10.9MINCOMEEXPENSE
Unfavorable gap of $8.4M · efficiency ratio beats 21% of banks under $1B in assets
Bank 82.57%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.51%0.60%1.01%1.45%Beats 20%503 / 629
Return on Equity6.83%5.38%9.30%13.28%Beats 32%426 / 629
Net Interest Margin3.02%3.03%3.54%4.05%Beats 25%473 / 629
Efficiency Ratio82.57%58.35%67.79%79.08%Beats 21%497 / 629
Asset Quality
Nonperforming Loans / Loans0.67%0.09%0.46%1.20%Beats 40%351 / 581
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 49%301 / 581
Capital
Tier 1 Capital Ratio20.51%11.24%13.84%18.77%Beats 79%133 / 629
Total Risk-Based Capital Ratio21.09%11.58%14.43%19.66%Beats 78%136 / 629
Equity / Assets7.46%9.09%10.65%13.80%Beats 8%581 / 629
Liquidity & Funding
Loans / Deposits46.06%67.24%80.90%93.48%9th pctl540 / 594
Loans / Assets40.46%53.31%67.71%78.15%15th pctl536 / 629
Brokered Deposits / Depositsn/aNot reported for this institution