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Letter portraitLegal landscapeQuarterYTD

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 $25.4MQ3 2024Q2 2026
Deposit mix
75%Interest-bearing $233.2M25%Noninterest $78.8MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.68%0.15%0.27%0.34%0.39%0.50%0.53%+26 bps
Return on Equity14.19%10.60%2.20%3.89%4.82%5.44%6.39%6.86%+296 bps
Net Interest Margin2.91%2.85%2.46%2.59%2.71%2.82%3.02%3.02%+42 bps
Efficiency Ratio74.14%80.09%94.45%90.40%88.06%86.53%83.84%82.57%-783 bps
Non-Interest Burden1.76%2.02%2.28%2.26%2.28%2.33%2.40%2.37%+11 bps
Growth
Asset Growth (YoY)1.71%-6.97%-7.24%-7.91%-9.29%-1.96%0.85%6.63%+1,453 bps
Loan Growth (YoY)-3.03%-9.80%-7.21%-1.87%1.05%8.30%7.78%3.84%+571 bps
Deposit Growth (YoY)-2.59%-2.65%-0.89%-1.28%-2.21%-1.12%-1.54%1.41%+270 bps
Asset Quality
Nonperforming Loans / Loans0.72%0.49%0.45%0.45%0.63%0.66%0.58%0.67%+22 bps
Net Charge-Offs / Loans0.21%0.21%0.08%0.04%0.02%0.02%0.01%0.02%-2 bps
Allowance / Loans0.79%0.73%0.71%0.68%0.67%0.65%0.65%0.65%-4 bps
Allowance Coverage of NPLs1.1x1.5x1.6x1.5x1.1x1.0x1.1x1.0x-0.6x
Capital
Tier 1 Leverage Ratio9.87%9.08%9.35%9.61%9.72%9.83%9.69%9.49%-12 bps
Total Risk-Based Capital21.61%20.37%20.48%20.61%20.92%20.71%21.02%21.09%+48 bps
Equity / Assets7.59%6.37%6.88%7.18%7.81%7.99%7.64%7.46%+28 bps
Liquidity & Funding
Loans / Deposits45.48%43.71%42.65%44.99%47.00%47.87%46.69%46.06%+108 bps
Liquid Assets / Assets27.81%24.33%24.76%23.10%23.69%23.06%24.87%30.04%+694 bps
CRE / Total Capitaln/an/an/an/a98.13%96.25%93.92%n/an/a