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Great Southern Bank
Reeds Spring, MO·FDIC Cert #29546·Charter: STATE·Est. 19230101.0·HC: GREAT SOUTHERN BCORP INC
Total Assets
$5.6B
Q4 2025
Return on Assets
1.31%
-0.03%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
59.56%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.31%-0.03
ROE
12.30%-0.32
Efficiency
59.56%+0.78
Equity/Assets
0.00%+0.00
NPL Ratio
0.05%+0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
96.01%-2.01
Charge-offs
-0.00%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.1 | 1.2 | 1.2 | 1.2 | 1.3 | 1.4 | 1.3 | 1.3 |
| ROE | 9.8 | 11.0 | 11.2 | 11.1 | 12.3 | 13.0 | 12.6 | 12.3 |
| Efficiency | 63.0 | 61.9 | 60.7 | 61.1 | 59.3 | 57.9 | 58.8 | 59.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.2 | 0.2 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 |
| Charge-offs | 0.0 | -0.0 | 0.0 | 0.0 | 0.0 | -0.0 | 0.0 | -0.0 |
| Loan/Deposit | 95.2 | 99.4 | 98.8 | 100.0 | 96.7 | 96.3 | 98.0 | 96.0 |
Balance Sheet
Total Assets$5.6B
Total Deposits$4.5B
Total Loans$4.4B
Total Equity$610.2M
Profitability
ROA1.31%
ROE12.30%
Efficiency Ratio59.56%
Net Income$76.7M
Risk & Asset Quality
NPL Ratio0.05%
Charge-off Rate-0.00%
Loan/Deposit96.01%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans