Great Southern Bank
Great Southern Bank reported total assets of $5.5 bn at Q2 2026, down 5.7% on a year earlier, the 262nd largest of 497 banks in our US coverage. The CET1 capital ratio at Great Southern Bank was 13.32%, and the uninsured share of Great Southern Bank was 38.24%. Source: FDIC Call Reports.
Key takeaways
- On efficiency ratio, Great Southern Bank slipped from 251st to 367th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Great Southern Bank reports one of the lowest noncurrent loans to total loans readings among banks of $1 bn to $10 bn: 0.02% at , where the median of the 339 banks is 0.58% (FDIC Call Reports).
- Over the year to , the total deposits of Great Southern Bank fell by 7.2% to $4.4 bn, a bigger fall than at 98% of covered banks (FDIC Call Reports).
What sets Great Southern Bank apart
- Over the year to , the total assets of Great Southern Bank fell by 5.7% to $5.5 bn, a bigger fall than at 97% of covered banks.
How large is Great Southern Bank?
The balance sheet of Great Southern Bank at : assets $5.5 bn, deposits $4.4 bn, net loans $4.3 bn (loans equal to 98.61% of deposits). Securities make up 12.3% of total assets at Great Southern Bank. Since , when Great Southern Bank held $4.3 bn, its assets grew 28.0%. In the year to , deposits at Great Southern Bank fell 7.2% while its total assets fell 5.7%. At , Great Southern Bank employed 950 full-time equivalent staff across 108 offices, about $5.8 mn of assets per employee and $40.5 mn of deposits per office.
How much funding at Great Southern Bank is uninsured?
At Great Southern Bank, uninsured deposits (above the FDIC limit) made up 38.24% of domestic deposits at (+3.20 pp on a year earlier); Great Southern Bank ranks 216th of 500 on this measure. In dollars, Great Southern Bank estimated $1.7 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $4.4 bn | -7.2% | 272nd of 499 |
| Net loans and leases | $4.3 bn | -4.9% | 248th of 500 |
| Loan-to-deposit ratio | 98.61% | +2.32 pp | 74th of 500 |
| Tier 1 leverage ratio | 11.33% | +0.13 pp | 146th of 500 |
| Total risk-based capital ratio | 14.57% | +0.20 pp | 209th of 448 |
| Net interest margin | 3.84% | +0.05 pp | 185th of 500 |
| Return on assets (ROA) | 1.26% | -0.11 pp | 273rd of 500 |
| Efficiency ratio | 63.05% | +5.19 pp | 367th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $17.4 mn | Narrowed by $1.9 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $40.2 mn | Narrowed by $8.6 mn | |
| Noncurrent loans to total loans | 0.02% | -0.02 pp | 15th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.04% | +0.04 pp | 168th of 500 (1 = lowest) |
US rank of Great Southern Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Great Southern Bank: assets, deposits and loans
- Total assets $5.5bn
- Deposits $4.4bn
- Net loans $4.3bn
Capital and securities
The CET1 ratio of Great Southern Bank stood at 13.32% in , +0.20 pp year on year. Low and high at Great Southern Bank since : 10.18% () to 14.68% (). Equity capital of Great Southern Bank at : $607.1 mn, or 11.0% of total assets. Great Southern Bank also reported a total capital ratio of 14.57% for , and a tier 1 leverage ratio of 11.33%.
On held-to-maturity securities, Great Southern Bank carried an unrealized loss of $17.4 mn at , equal to 2.9% of equity capital. The loss narrowed by $1.9 mn over the year. Its deepest point: $30.6 mn in . The available-for-sale portfolio of Great Southern Bank showed an unrealized loss of $40.2 mn at ; the loss narrowed by $8.6 mn over the year.
Great Southern Bank: capital ratios
- Total capital 15%
- CET1 13%
- Tier 1 leverage 11%
Great Southern Bank: unrealized securities gains and losses
- Available for sale -$40mn
- Held to maturity -$17mn
Profitability and loan quality
For the year to , Great Southern Bank earned a return on equity of 11.61%; return on assets: 1.26%. Net interest margin at Great Southern Bank: 3.84%, +0.05 pp in a year. Great Southern Bank net income: $35.4 mn, down 13.0% year on year. The efficiency ratio of Great Southern Bank was 63.05%: about 63 cents cost per revenue dollar, against 62 cents at the median peer.
At , noncurrent loans were 0.02% of total loans at Great Southern Bank; net charge-offs: 0.04% of average loans. Gross loans and leases at Great Southern Bank: $4.4 bn, down 4.9% in a year.
Great Southern Bank: profitability
- Return on equity 12%
- Net interest margin 3.8%
- Return on assets 1.3%
Peer group of Great Southern Bank
The peer group of Great Southern Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Great Southern Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Missouri. Against them, Great Southern Bank shows CET1 ratio 13.32% against a peer median of 12.11%, return on equity 11.61% against a peer median of 7.90% and uninsured deposit share 38.24% against a peer median of 33.02%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Orrstown Bank | State member bank | PA | $5.6 bn | 12.11% | 14.99% | 29.14% | |
| Institution for Savings in Newburyport and Its Vicinity | State-chartered stock savings bank | MA | $5.6 bn | 16.21% | 8.46% | 27.90% | |
| First Internet Bank of Indiana | State nonmember bank | IN | $5.5 bn | 10.84% | 4.12% | 36.90% | |
| Great Southern Bank | State nonmember bank | MO | $5.5 bn | 13.32% | 11.61% | 38.24% | |
| The American National Bank of Texas | National bank | TX | $5.5 bn | 12.30% | 11.51% | 43.91% | |
| Northfield Bank | Federal savings bank | NY | $5.5 bn | not reported | 7.33% | 50.35% | |
| Coastal Community Bank | State member bank | WA | $5.5 bn | 10.97% | -11.91% | 27.45% | |
. FDIC Call Reports.
Last eight quarters
Two years at Great Southern Bank, to : assets -8.5%, deposits -8.5%, equity -5.8%. Staff 935 to 950; offices 112 to 108.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $6.0 bn | $6.0 bn | $6.0 bn | $5.9 bn | $5.7 bn | $5.6 bn | $5.7 bn | $5.5 bn |
| Total deposits | $4.8 bn | $4.7 bn | $4.9 bn | $4.7 bn | $4.6 bn | $4.5 bn | $4.5 bn | $4.4 bn |
| Bank equity capital | $644.5 mn | $616.3 mn | $625.6 mn | $630.0 mn | $637.2 mn | $610.2 mn | $609.7 mn | $607.1 mn |
| CET1 ratio | 12.93% | 12.61% | 12.66% | 13.12% | 13.39% | 13.04% | 12.99% | 13.32% |
| Return on equity (ROE) | 11.15% | 11.08% | 12.26% | 13.02% | 12.62% | 12.30% | 12.11% | 11.61% |
| Uninsured share of domestic deposits | 31.51% | 35.00% | 34.20% | 35.05% | 37.12% | 37.90% | 38.59% | 38.24% |
| Full-time equivalent employees | 935 | 945 | 956 | 942 | 980 | 974 | 910 | 950 |
| Number of offices | 112 | 112 | 112 | 112 | 112 | 108 | 108 | 108 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Great Southern Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Great Southern Bank?
Great Southern Bank reported $5.5 bn at in its Call Report. That makes Great Southern Bank the 262nd largest of 497 banks in our US coverage.
Is Great Southern Bank the same as its holding company?
No. This page covers Great Southern Bank, FDIC certificate 29546; GREAT SOUTHERN BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Great Southern Bank profitable?
Great Southern Bank reported net income of $35.4 mn for the year to ; annualized return on equity: 11.61%. So yes: Great Southern Bank made a profit over these months.
When is data for Great Southern Bank next updated?
Figures from Great Southern Bank for are due after .
Where can I check the figures for Great Southern Bank?
In the FDIC BankFind Suite record for certificate 29546, and in the Call Reports of Great Southern Bank (RSSD ID 572374) at the FFIEC Central Data Repository.