BlastPoint's Banking Scorecard

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

884 banks in the $1B-$10B peer group nationally 29 in MO

Great Southern Bank has 2 strengths but faces 5 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

+ Credit Quality Leader: Top 40.9% in tier
+ Efficiency Ratio 0.21% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 1.6% in tier
- Liquidity Strain: Bottom 6.9% in tier
- Capital Constraint: Bottom 59.5% in tier
- ROA 0.06% below tier average
- Net Interest Margin 0.06% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$5.7B -5.1% YoY +1.6% QoQ	+$2.9B	$2.8B -0.1% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Top 11.8% in tier
Total Loans ?	$4.5B -5.0% YoY +2.3% QoQ	+$2.5B	$2.0B +0.6% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Top 9.2% in tier
Total Deposits ?	$4.5B -7.2% YoY -0.8% QoQ	+$2.2B	$2.3B -0.3% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Top 12.9% in tier
Return on Assets ?	1.31% +3.0% YoY -0.4% QoQ	-0.06%	1.37% +19.6% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	57%
Net Interest Margin ?	3.76% +1.5% YoY -1.5% QoQ	-0.06%	3.82% +6.9% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	57%
Efficiency Ratio ?	60.85% +2.7% YoY +2.2% QoQ	-0.21%	61.06% -4.6% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	47%
Delinquency Rate ?	0.08% +4.4% YoY +61.3% QoQ	-0.81%	0.89% +14.1% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	Top 9.5% in tier
Loan-to-Deposit Ratio ?	99.02% +2.4% YoY +3.1% QoQ	+14.82%	84.20% +0.3% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	16%
Non-Interest-Bearing Deposit Share ?	33.42% +70.4% YoY +2.8% QoQ	+12.13%	21.29% -2.5% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	Top 11.3% in tier
Nonperforming Asset Ratio ?	0.18% +11.3% YoY +22.0% QoQ	-0.50%	0.67% +15.6% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	76%
Tier 1 Capital Ratio ?	12.99% +2.6% YoY -0.4% QoQ	-2.17%	15.16% +2.0% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	48%
Non-Interest Income / Assets ?	0.12% +11.1% YoY -76.2% QoQ	-0.13%	0.26% +1.6% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	42%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (1)

Credit Quality Leader

growth

#91 of 220 • Top 40.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.08%

(Tier: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (3)

Credit Quality Pressure

risk

#9 of 513 • Bottom 1.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.08%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ

Liquidity Strain

risk

#24 of 334 • Bottom 6.9% 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: 99.02%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Capital Constraint

risk

#23 of 37 • Bottom 59.5% 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: 99.02%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 12.99%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

37 of 37 Mid-Market banks match · 148 nationally

↑ Growing +19 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (6 metrics)

Total Loans

size

Value: $4.46B

Peer Median: $1.96B

#82 of 884 Top 9.2% in $1B-$10B

Delinquency Rate

credit_quality

Value: 0.08%

Peer Median: 0.89%

#85 of 880 Top 9.5% in $1B-$10B

101

Non-Interest-Bearing Deposit Share

funding

Value: 33.42%

Peer Median: 21.29%

#101 of 884 Top 11.3% in $1B-$10B

105

Total Assets

size

Value: $5.69B

Peer Median: $2.82B

#105 of 884 Top 11.8% in $1B-$10B

115

Total Deposits

size

Value: $4.51B

Peer Median: $2.34B

#115 of 884 Top 12.9% in $1B-$10B

212

Nonperforming Asset Ratio

credit_quality

Value: 0.18%

Peer Median: 0.67%

#212 of 884 Top 23.9% in $1B-$10B

Top Weaknesses (1 metrics)

747

Loan-to-Deposit Ratio

liquidity

Value: 99.02%

Peer Median: 84.20%

#747 of 884 Bottom 15.6% in $1B-$10B