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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.
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.
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