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Great Southern Bancorp (GSBC) investor relations material

Great Southern Bancorp Q3 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q3 2025 earnings summary16 Oct, 2025

Executive summary

  • Net income for Q3 2025 was $17.8 million ($1.56 per diluted share), up from $16.5 million ($1.41) year-over-year, driven by higher net interest income and lower credit loss provisions, but down from $19.8 million sequentially due to lower non-interest income and higher expenses.

  • Core credit and operating results remained strong, with disciplined expense management and stable deposit base.

  • Asset quality remained exceptional, with non-performing assets at $7.8 million (0.14% of total assets), down from $9.6 million at year-end 2024.

  • Stockholders' equity increased to $632.9 million, reflecting robust capital strength and growth from net income, stock option exercises, and reduced AOCI loss.

  • Annualized return on average equity was 11.30% and return on average assets was 1.23%, both higher year-over-year.

Financial highlights

  • Net interest income was $50.8 million, up 5.8% year-over-year, with net interest margin improving to 3.72% from 3.42%.

  • Non-interest income totaled $7.1 million, up slightly year-over-year, with higher commission and fee income but down sequentially.

  • Non-interest expense rose to $36.1 million, up $2.4 million year-over-year, mainly due to higher legal, professional, and technology costs.

  • Efficiency ratio was 62.45%, up from 61.34% year-over-year and 59.16% sequentially.

  • Effective tax rate for Q3 was 19.7%, up from 18.0% in Q3 2024.

Outlook and guidance

  • Loan balances expected to remain stable through year-end, with strong unfunded construction and commercial commitments.

  • Modest provision for credit losses anticipated, mainly to cover any net growth or charge-offs.

  • Minor, spaced-out rate cuts are not expected to significantly impact net interest margin.

  • Operating expenses expected to remain around current levels, with some potential for lower legal/professional fees.

  • No further benefit from the terminated interest rate swap in future quarters.

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Frequently asked questions

Great Southern Bank, headquartered in Springfield Missouri, is a $6.7 billion asset company founded in 1923. Great Southern’s focus is on the customer with a wide range of banking, investment and insurance services to meet its customers' needs. The bank has over 150 locations in Missouri, Arkansas, Iowa, Kansas, Minnesota and Nebraska and loan production offices in Illinois, Indiana, Kentucky and Oklahoma.

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