Great Southern Bancorp, Inc. · NASDAQ:GSBC
Great Southern Bancorp — Q1 2026 Earnings Presentation
16 slides from Great Southern Bancorp's earnings presentation, Apr 16, 2026
Slide 1: Earnings Presentation, First Quarter Ended March 31, 2026
Earnings Presentation April 2026 Great Southern Bancorp. Inc (NASDAQ: GSBC) First Quarter Ended March 31, 2026
Slide 2: Forward-Looking Statements
Forward - Looking Statements When used in this presentation and in other documents filed or furnished by the Company with or to the Securities and Exchange Commission (the “SEC”), in the Company's other press releases or other public or stockholder communications, and in oral statements made with th
Slide 3: Executive Management Team
Executive Management Team Joseph W. Turner joined Great Southern in 1991 and became an officer of Bancorp in 1995. He was appointed to the Board of Directors of Bancorp and Great Southern in 1997 and has served as President and Chief Executive Officer since 2000. In this role, he has led the company
Slide 4: Financial Performance
Financial Performance Great Southern Bancorp. Inc (NASDAQ: GSBC) Quarter ended March 31, 2026
Slide 5: Highlights & Developments
Highlights & Developments Great Southern Bancorp. Inc | 5 Earnings Growth: 1Q26 net income increased to $17.5 million ($1.58 per diluted share) from $17.2 million ($1.47 per diluted share) in 1Q25, driven by improved non - interest income, prudent non - interest expense management, and a lower provi
Slide 6: Income Statement: Net Interest Margin & Net Interest Income
$49,334 $49,163 $48,328 3.57% 3.70% 3.71% 1Q25 4Q25 1Q26 Income Statement Net Income Growth: GSBC reported net income of $17.5 million in 1Q26, a 1.8% increase from $17.2 million in 1Q25. Earnings Per Share: Earnings per diluted common share rose to $1.58 in 1Q26 from $1.47 in 1Q25, marking a 7.5% i
Slide 7: Non-Interest Income
$262 $387 $615 $1,215 $1,334 $1,231 $3,234 $3,234 $3,101 $601 $862 $719 $243 $421 $136 $1,059 $958 $1,229 $(24) 1Q25 $(8) 4Q25 $(2) 1Q26 Non - Interest Income Dollars In Thousands Other income Late charges and fees on loans Net gains on loan sales POS and ATM fee income and service charges Overdraft
Slide 8: Non-Interest Expense
All Other Non - Interest Expense Non - Interest Expense Total Non - Interest Expense: $34.8 million, a $30,000 decrease from $34.8 million in 1Q25. Net Occupancy and Equipment Expense: Net occupancy expenses increased to $8.9 million, representing a $331,000 year - over - year increase, driven prima
Slide 9: Deposit Breakdown
$4,758.0 $4,482.8 $4,445.2 1Q25 4Q25 1Q26 $2,248.3 $2,289.4 $2,264.4 $852.7 $841.5 $857.4 $761.7 $688.4 $671.4 $895.4 $663.4 $652.0 $2,500 $2,000 $1,500 $1,000 $500 $0 1Q25 1Q26 Interest - bearing 4Q25 Non - Interest - bearing Time Brokered Great Southern Bancorp. Inc | 9 Deposits Interest - Bearing
Slide 10: Capital
Capital Stockholders’ Equity at March 31, 2026: $633.6 million, or 11.1% of total assets, down from $636.1 million (11.4% of total assets) at December 31, 2025. Key Drivers of Change in Stockholders’ Equity: ● $17.5 million in net income. ● $4.6 million in stock option exercises. ● $4.7 million in c
Slide 11: Loan Portfolio by Category
Consumer* $179,525 4% Single Family Real Estate $789,551 17% Multi - family Real Estate $1,369,294 30% Commercial Real Estate $1,583,124 35% Const & Land Dev $432,146 10% Commercial Business $180,182 4% Loan Portfolio by Category Gross Loans [in thousands] *Includes Home Equity Loans of $134,704 3 -
Slide 12: Loan Portfolio by Region
Kansas City $232,330 5% St. Louis $747,154 17% Springfield $384,159 8% Missouri - Other $237,936 5% Iowa/Nebraska/ South Dakota $388,026 9% Minnesota $304,665 7% Oklahoma $110,964 2% Denver $135,443 3% Georgia $140,479 3% Colorado - Other $107,321 2% $167,960 4% Dallas Chicago $206,677 5% Texas - Ot
Slide 13: Asset Quality Metrics
Asset Quality Metrics Non - Performing Assets (NPAs): Increased to $10.1 million, representing 0.18% of total assets, up from $8.1 million (0.15% of total assets) 4Q25. Allowance for Credit Losses (ACL): Remained stable at 1.43% of total loans, a slight decrease from 1.46% in 4Q25. Net Charge - Offs
Slide 14: Non-GAAP Reconciliation
Non - GAAP Reconciliation Great Southern Bancorp. Inc | 14 This document contains certain financial information determined by methods other than in accordance with accounting principles generally accepted in the United States (“GAAP”), specifically, the ratio of tangible common equity to tangible as
Slide 15: Non-GAAP Reconciliation: Tangible Common Equity to Tangible Assets
Non - GAAP Reconciliation Non - GAAP Reconciliation: Ratio of Tangible Common Equity to Tangible Assets Great Southern Bancorp. Inc | 15
Slide 16: Contact Us
Contact Us Great Southern Bancorp. Inc (NASDAQ: GSBC) Kincade Ayers (616) 233 - 0500 - GSBC@lambert.com Investor Relations
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