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
Unfavorable gap of $8.4M · efficiency ratio beats 21% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.51% | 0.60% | 1.01% | 1.45% | Beats 20% | 503 / 629 | | |
| Return on Equity | 6.83% | 5.38% | 9.30% | 13.28% | Beats 32% | 426 / 629 | | |
| Net Interest Margin | 3.02% | 3.03% | 3.54% | 4.05% | Beats 25% | 473 / 629 | | |
| Efficiency Ratio | 82.57% | 58.35% | 67.79% | 79.08% | Beats 21% | 497 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.67% | 0.09% | 0.46% | 1.20% | Beats 40% | 351 / 581 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 49% | 301 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 20.51% | 11.24% | 13.84% | 18.77% | Beats 79% | 133 / 629 | | |
| Total Risk-Based Capital Ratio | 21.09% | 11.58% | 14.43% | 19.66% | Beats 78% | 136 / 629 | | |
| Equity / Assets | 7.46% | 9.09% | 10.65% | 13.80% | Beats 8% | 581 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 46.06% | 67.24% | 80.90% | 93.48% | 9th pctl | 540 / 594 | | |
| Loans / Assets | 40.46% | 53.31% | 67.71% | 78.15% | 15th pctl | 536 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |