BlastPoint's Banking Scorecard

Great Southern Bank

$100M-$1B Specialty: Other MS FDIC cert 8552

Designations: ✓ CDFI-certified

Meridian, MS

11 branches across MS

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MS.
Deposits +1.4% year over year ($312.0M on the books).
Delinquency rate 0.68%.
Return on assets 0.67%.
Efficiency ratio 82.57% vs a 64.48% peer average.
Loan-to-deposit ratio 45.76% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 39 in MS

View $100M-$1B leaderboard (MS) →

Great Southern Bank has 1 strength 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

+ Delinquency Rate 0.24% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 20.2% in tier
- Credit Quality Pressure: Bottom 42.8% in tier
- ROA 0.65% below tier average
- Net Interest Margin 0.64% below tier average
- Efficiency Ratio 18.09% above 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 (MS)	National Avg	Tier Percentile
Total Assets ?	$355.1M +6.6% YoY +3.6% QoQ	-$31.4M	$386.6M +1.2% YoY	$2.3B +4.7% YoY	$6.3B +7.7% YoY	55%
Total Loans ?	$142.8M +3.9% YoY -0.7% QoQ	-$115.6M	$258.3M +1.7% YoY	$1.6B +6.5% YoY	$3.2B +9.4% YoY	33%
Total Deposits ?	$312.0M +1.4% YoY +0.6% QoQ	-$14.7M	$326.7M +0.7% YoY	$1.9B +4.9% YoY	$4.9B +7.3% YoY	57%
Return on Assets ?	0.67% +99.2% YoY +5.8% QoQ	-0.65%	1.32% +10.8% YoY	1.27% +12.8% YoY	1.30% +12.1% YoY	18%
Net Interest Margin ?	3.34% +18.4% YoY +1.1% QoQ	-0.64%	3.99% +5.0% YoY	4.02% +5.6% YoY	3.95% +4.9% YoY	21%
Efficiency Ratio ?	82.57% -8.7% YoY -1.5% QoQ	+18.09%	64.48% -3.2% YoY	65.83% -2.8% YoY	70.05% +2.5% YoY	Bottom 11.4% in tier
Delinquency Rate ?	0.68% +48.8% YoY +15.7% QoQ	-0.24%	0.92% +15.7% YoY	1.03% +6.0% YoY	0.98% +16.3% YoY	39%
Loan-to-Deposit Ratio ?	45.76% +2.4% YoY -1.3% QoQ	-32.19%	77.95% +1.0% YoY	72.48% +3.6% YoY	79.03% +2.3% YoY	Top 6.4% in tier
Non-Interest-Bearing Deposit Share ?	25.26% +1.9% YoY -3.8% QoQ	+3.23%	22.03% -0.6% YoY	22.74% -2.6% YoY	21.98% -0.6% YoY	67%
Nonperforming Asset Ratio ?	0.54% +12.9% YoY +2.4% QoQ	-0.12%	0.67% +16.4% YoY	0.80% +11.3% YoY	0.69% +15.8% YoY	37%
Tier 1 Capital Ratio ?	20.51% +2.5% YoY +0.4% QoQ	+4.60%	15.91% +1.4% YoY	13.77% -2.2% YoY	17.09% +0.8% YoY	Top 12.6% in tier
Non-Interest Income / Assets ?	0.35% -19.8% YoY +70.5% QoQ	-0.22%	0.57% +7.6% YoY	0.38% +2.4% YoY	0.66% +5.2% YoY	80%

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 (MS)	National Avg	Tier Percentile
Noninterest-Bearing	25.3% +0.5pp YoY -1.0pp QoQ	+3.1pp	22.1%	23.1%	22.2%	66%
Brokered Deposits	1.6%	-6.2pp	7.9%	3.8%	8.5%	26%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
C&I	12.4% -0.3pp YoY -1.1pp QoQ	+0.8pp	11.6%	12.4%	12.5%	65%
CRE	20.6% -4.1pp YoY -1.3pp QoQ	-19.0pp	39.5%	42.3%	41.4%	19%
1-4 Family	42.2% +2.1pp YoY +1.5pp QoQ	+9.6pp	32.6%	33.1%	31.3%	73%
Consumer	18.1% +2.2pp YoY +0.5pp QoQ	+14.0pp	4.1%	5.6%	5.0%	97%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
CET1 Ratio	20.5% +0.5pp YoY +0.1pp QoQ	+1.7pp	18.8%	16.5%	19.7%	79%
Leverage Ratio	9.5% -0.1pp YoY -0.2pp QoQ	-2.7pp	12.2%	11.9%	12.6%	21%
Total Capital Ratio	21.1% +0.5pp YoY +0.1pp QoQ	+1.2pp	19.9%	17.7%	20.8%	78%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Full-Time Employees	94 +6 (+6.8%) YoY -1 (-1.1%) QoQ	+35	58	297	482	84%
Assets per Employee ($)	$3.8M -0.2% YoY +4.7% QoQ	-$3.7M	$7.5M	$6.2M	$8.8M	3%
Branch Count	11 0 YoY 0 QoQ	+6	4	22	18	93%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Past Due 90+ Days	0.5% +0.2pp YoY +0.3pp QoQ	+0.2pp	0.3%	0.3%	0.4%	82%
Nonaccrual	0.2% +0.1pp YoY -0.3pp QoQ	-0.7pp	0.9%	0.9%	1.0%	30%
Allowance Coverage	0.96x -36.4% YoY -13.9% QoQ	-23.19x	24.15x	4.87x	20.23x	26%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	50%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
ROE	8.7% +3.8pp YoY +0.6pp QoQ	-3.5pp	12.2%	11.7%	11.6%	29%
Cost of Funds (YTD)	1.0% -0.3pp YoY 0.0pp QoQ	-0.7pp	1.7%	1.8%	1.7%	10%
Net Income ($, YTD)	$1.2M +102.8% YoY — QoQ	-$1.4M	$2.6M	$13.8M	$40.4M	32%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk

#190 of 936 • Bottom 20.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#539 of 1256 • Bottom 42.8% in tier

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

Why this signature

Delinquency Rate: 0.68%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

170

Loan-to-Deposit Ratio

liquidity

Value: 45.76%

Peer Median: 77.95%

#170 of 2643 Top 6.4% in $100M-$1B

335

Tier 1 Capital Ratio

capital

Value: 20.51%

Peer Median: 15.91%

#335 of 2643 Top 12.6% in $100M-$1B

540

Non-Interest Income / Assets

revenue_mix

Value: 0.35%

Peer Median: 0.57%

#540 of 2643 Top 20.4% in $100M-$1B

Top Weaknesses (3 metrics)

2342

Efficiency Ratio

profitability

Value: 82.57%

Peer Median: 64.48%

#2342 of 2643 Bottom 11.4% in $100M-$1B

2174

Return on Assets

profitability

Value: 0.67%

Peer Median: 1.32%

#2174 of 2643 Bottom 17.8% in $100M-$1B

2078

Net Interest Margin

profitability

Value: 3.34%

Peer Median: 3.99%

#2078 of 2643 Bottom 21.4% in $100M-$1B