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Great Southern Bank

$1B-$10B Specialty: Commercial MO FDIC cert 29546

Reeds Spring, MO

108 branches across MO · IA · KS · MN · NE · AR · OK · TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in MO.
  • Deposits -7.2% year over year ($4.4B on the books).
  • Delinquency rate 0.02%.
  • Return on assets 1.26%.
  • Efficiency ratio 63.05% vs a 59.73% peer average.
  • Loan-to-deposit ratio 98.61% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 30 in MO
View $1B-$10B leaderboard (MO) →

Great Southern Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.84% below tier average
  • + Non-Interest-Bearing Deposit Share 13.63% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 6.7% in tier
  • - Cost Spiral: Bottom 29.0% in tier
  • - Capital Constraint: Bottom 50.0% in tier
  • - ROA 0.13% below tier average
Get updates when Great Southern Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $5.5B
-5.7% YoY -2.9% QoQ
+$2.7B $2.8B
-0.6% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
Top 11.6% in tier
Total Loans ? $4.3B
-4.9% YoY -3.3% QoQ
+$2.4B $2.0B
-0.3% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
Top 10.6% in tier
Total Deposits ? $4.4B
-7.2% YoY -2.9% QoQ
+$2.1B $2.3B
-0.5% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
Top 12.9% in tier
Return on Assets ? 1.26%
-7.7% YoY -3.6% QoQ
-0.13% 1.39%
+17.0% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
50%
Net Interest Margin ? 3.84%
+1.4% YoY +2.2% QoQ
-0.03% 3.87%
+6.2% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
59%
Efficiency Ratio ? 63.05%
+9.0% YoY +3.6% QoQ
+3.32% 59.73%
-12.6% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
37%
Delinquency Rate ? 0.02%
-46.8% YoY -69.1% QoQ
-0.84% 0.87%
+11.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
Top 6.1% in tier
Loan-to-Deposit Ratio ? 98.61%
+2.4% YoY -0.4% QoQ
+13.58% 85.04%
-0.1% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
18%
Non-Interest-Bearing Deposit Share ? 34.90%
+12.8% YoY +4.4% QoQ
+13.63% 21.27%
-1.5% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
Top 8.7% in tier
Nonperforming Asset Ratio ? 0.17%
+23.1% YoY -3.9% QoQ
-0.50% 0.67%
+11.7% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
76%
Tier 1 Capital Ratio ? 13.32%
+1.6% YoY +2.6% QoQ
-1.52% 14.84%
-0.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
54%
Non-Interest Income / Assets ? 0.26%
+1.9% YoY +109.4% QoQ
-0.27% 0.53%
+2.5% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
43%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Noninterest-Bearing 34.9%
+4.0pp YoY
+1.5pp QoQ
 +13.5pp 21.4% 20.9% 22.2% 91%
Brokered Deposits 13.2%
-4.5pp YoY
-1.3pp QoQ
 +3.7pp 9.5% 7.4% 8.5% 77%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 3.5%
-0.4pp YoY
0.0pp QoQ
 -10.5pp 14.0% 12.3% 12.5% 12%
CRE 74.4%
-0.5pp YoY
-0.9pp QoQ
 +24.4pp 50.0% 36.8% 41.4% 92%
1-4 Family 21.7%
+1.1pp YoY
+1.0pp QoQ
 -4.8pp 26.4% 31.9% 31.3% 46%
Consumer 1.0%
-0.1pp YoY
0.0pp QoQ
 -3.7pp 4.7% 4.1% 5.0% 46%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio 13.3%
+0.2pp YoY
+0.3pp QoQ
 -2.3pp 15.6% 18.5% 19.7% 46%
Leverage Ratio 11.3%
+0.1pp YoY
0.0pp QoQ
 0.0pp 11.3% 11.6% 12.6% 66%
Total Capital Ratio 14.6%
+0.2pp YoY
+0.3pp QoQ
 -2.1pp 16.7% 19.6% 20.8% 48%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 950
+8 (+0.8%) YoY
+40 (+4.4%) QoQ
 +636 313 162 482 97%
Assets per Employee ($) $5.8M
-6.4% YoY
-7.0% QoQ
 -$4.7M $10.5M $8.0M $8.8M 10%
Branch Count 108
-4 (-3.6%) YoY
0 QoQ
 +88 20 10 18 99%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.3% 0.4% n/a
Nonaccrual 0.0%
0.0pp YoY
-0.1pp QoQ
 -0.8pp 0.8% 0.8% 1.0% 3%
Allowance Coverage 61.92x
+95.3% YoY
+230.1% QoQ
 +43.21x 18.71x 10.47x 20.23x 97%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.3% 0.2% 48%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 11.6%
-1.4pp YoY
-0.5pp QoQ
 -1.0pp 12.6% 14.3% 11.6% 46%
Cost of Funds (YTD) 1.8%
-0.4pp YoY
0.0pp QoQ
 -0.2pp 1.9% 1.8% 1.7% 40%
Net Income ($, YTD) $35.4M
-13.0% YoY
— QoQ
 +$16.1M $19.2M $11.3M $40.4M 86%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Strain

risk
#25 of 361 • Bottom 6.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 98.61%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ

Cost Spiral

risk
#10 of 31 • Bottom 29.0% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 63.05%
(Tier: 59.73%, National: 70.05%)
worse than tier avg
31 of 31 Mid-Market banks match · 184 nationally
→ Stable +9 banks QoQ

Capital Constraint

risk
#17 of 32 • Bottom 50.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 98.61%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 13.32%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
32 of 32 Mid-Market banks match · 143 nationally
→ Stable -5 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

55
Delinquency Rate
credit_quality
Value: 0.02%
Peer Median: 0.87%
#55 of 882 Top 6.1% in $1B-$10B
78
Non-Interest-Bearing Deposit Share
funding
Value: 34.90%
Peer Median: 21.27%
#78 of 885 Top 8.7% in $1B-$10B
95
Total Loans
size
Value: $4.32B
Peer Median: $1.96B
#95 of 885 Top 10.6% in $1B-$10B
104
Total Assets
size
Value: $5.53B
Peer Median: $2.79B
#104 of 885 Top 11.6% in $1B-$10B
115
Total Deposits
size
Value: $4.38B
Peer Median: $2.32B
#115 of 885 Top 12.9% in $1B-$10B
211
Nonperforming Asset Ratio
credit_quality
Value: 0.17%
Peer Median: 0.67%
#211 of 885 Top 23.7% in $1B-$10B

Top Weaknesses (1 metrics)

726
Loan-to-Deposit Ratio
liquidity
Value: 98.61%
Peer Median: 85.04%
#726 of 885 Bottom 18.1% in $1B-$10B
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