Logotype for Great Southern Bancorp Inc

Great Southern Bancorp (GSBC) investor relations material

Great Southern Bancorp Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Logotype for Great Southern Bancorp Inc
Q2 2025 earnings summary17 Jul, 2025

Executive summary

  • Net income for Q2 2025 was $19.8M ($1.72/share), up 16.5% year-over-year, driven by higher net interest income and lower non-interest expense.

  • Six-month net income was $36.9M, up 21.6% year-over-year.

  • Total assets decreased 2.1% to $5.85B from December 2024, mainly due to lower loan balances.

  • Core banking fundamentals remained strong with disciplined expense management and stable, diversified deposits.

  • Annualized return on average equity was 12.81% and return on average assets was 1.34% for Q2 2025.

Financial highlights

  • Net interest income rose 8.9% year-over-year to $51M; net interest margin improved to 3.68% from 3.43%.

  • Non-interest income was $8.2M, down $1.6M year-over-year due to lower other income and loan sales, but up sequentially on tax credit partnership gains.

  • Non-interest expense decreased 3.9% year-over-year to $35M, led by lower legal/professional fees and OREO expenses.

  • Efficiency ratio improved to 59.16% from 64.27% year-over-year.

  • Allowance for credit losses was 1.41% of total loans, with no provision expense in Q2 2025.

Outlook and guidance

  • Loan growth expected to remain muted due to a competitive environment and limited origination opportunities.

  • Expense levels anticipated to remain consistent, with minor increases possible from technology investments and compensation adjustments.

  • Net interest margin expected to remain stable with a slight tailwind in Q3, but a headwind anticipated in Q4 due to the loss of swap-related interest income.

  • Effective tax rate expected to be 18.0% to 20.0% in future periods.

  • Focus remains on cost control, credit quality, and optimizing funding mix.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next Great Southern Bancorp earnings date

Logotype for Great Southern Bancorp Inc
Q3 202516 Oct, 2025
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next Great Southern Bancorp earnings date

Logotype for Great Southern Bancorp Inc
Q3 202516 Oct, 2025

The essential earnings season companion

The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

Live calls and transcripts

Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.

Find what you need faster

Search for any keyword across all transcripts simultaneously.

Easily store key findings

Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Your watchlist. Your dashboard.

Follow the companies that matter to you. Get a personalized feed with real-time updates.

Be the first to know

Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.

Consensus estimates

Access analyst consensus estimates, valuation multiples, and revenue segments splits.

All IR material in one place

The easiest way to stay updated during earnings season.

Global coverage

All events from public companies. Live and recorded.

Just click and listen

No webcast links. No manual registrations.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

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.

Quartr provides global coverage of all investor relation material from public companies.

  • Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

  • Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.

  • Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.

Yes, the Quartr mobile app is free on both iOS and Android.

Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.

Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.

Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.

Explore our global coverage