Great Southern Bancorp, Inc. · NASDAQ:GSBC
Great Southern Bancorp — Q2 2024 Earnings Presentation
13 slides from Great Southern Bancorp's earnings presentation, Jul 17, 2024
Slide 1: Loan Portfolio June 30, 2024
=§— GREAT SOUTHERN BANK LOAN PORTFOLIO June 30, 2024
Slide 2: Loan Portfolio
Loan Portfolio Gross Loans [in thousands] 06-30-24 $4,718,224 03-31-24 $4,669,023 Consumer* $168,155 3% Commercial Business $267,615 6% Const & Land Dev Single Family $642,567 Real Estate 14% $877,239 19% Commercial Multifamily Real Estate Real Estate $1,511,672 $1,250,976 32% 26% *Includes Home Equ
Slide 3: Loan Portfolio by Region
Loan Portfolio by Region Gross Loans [in thousands] 06-30-24 $4,718,224 03-31-24 $4,669,023 Kansas Other $45,975 1% Kansas City $235,905 5% Other Regions St Louis $1,017,750 $781,341 Phoenix 22% $106,820 17% 2% Charolotte $26,033 Springfield 1% Texas Other $365,911 $339,213 8% 7% Dallas Branson $225
Slide 4: Commercial Real Estate by Industry
Commercial Real Estate by Industry Gross Loans [in thousands] 06-30-24 $1,511,672 03-31-24 $1,502,625 Storage $43,623 3% Other $65,544 4% Retail $313,613 Industrial 21% $250,353 16% Recreational Facilities $16,176 1% Office Healthcare Buildings $267,946 $208,321 18% 14% Motels / Restaurants Hotels $
Slide 5: Commercial Real Estate by Region
Commercial Real Estate by Region Gross Loans [in thousands] 06-30-24 $1,511,672 03-31-24 $1,502,625 Kansas Other $17,632 Kansas City 1% $122,980 8% Other Regions $385,383 St Louis 25% $276,985 18% Phoenix $24,128 2% Texas Other $61,975 Springfield 4% $96,738 6% Dallas Chicago Missouri $42,534 $120,6
Slide 6: Commercial Real Estate Office and Retail
Commercial Real Estate Office and Retail All Data as of 06/30/24 Gross Loans [in thousands] Office $208,321 Retail $417,580 Texas Other Regions Kansas Other $1,094 $5,670 $16,833 0% 3% 4% Kansas City Kansas City $20,209 $11,867 5% 6% Other Phoenix Denver Regions $2,026 $30,586 $87,670 Kentucky 1% 15
Slide 7: Commercial Real Estate Office and Retail Details
Commercial Real Estate Office and Retail All Data as of 06/30/24 Gross Loans [in thousands] Office - $208,321 Retail - $417,580 Medical Traditional Neighborhood Outstanding Strip Single Mixed- & Shopping Center Tenant Use Center Restaurants Balance $37,357 $170,964 Outstanding # of Loans 21 114 $119
Slide 8: Construction & Land Development by Industry
Construction & Land Development by Industry Gross Loans [in thousands] 06-30-24 $642,567 03-31-24 $792,663 Storage Other $18,866 $20,561 3% 3% Single Family $29,718 Healthcare Industrial 5% $15,901 $52,959 2% 8% Retail $30,572 5% Commercial Land Dev $38,627 6% Residential Land Dev Apartments $19,427
Slide 9: Construction & Land Development by Region
Construction & Land Development by Region Gross Loans [in thousands] 06-30-24 $642,567 03-31-24 $792,663 Kansas City Springfield $8,688 $15,968 Missouri Iowa/ Nebraska/ 1% 3% Other South Dakota $9,067 $20,596 St Louis 1% 3% $36,831 Minnesota 6% $6,345 1% Other Regions $165,233 Oklahoma 26% Denver $6
Slide 10: Multi Family Real Estate by Region
Multi Family Real Estate by Region Gross Loans [in thousands] 06-30-24 $1,250,976 03-31-24 $1,040,306 Kansas City Kansas Other $21,405 $14,230 2% Springfield 1% $37,807 Missouri 3% Other St Louis $26,358 $74,515 2% 7% Phoenix Other Regions $20,034 $233,821 19% 1% Charolotte Iowa/ Nebraska/ $24,333 S
Slide 11: Multi Family Real Estate by LTV
Multi Family Real Estate by LTV Gross Loans [in thousands] 06-30-24 $1,250,976 03-31-24 $1,040,306 76%-85% 86% and higher 25% or less $35,276 $17,643 $14,517 3% 1% 1% 26%-50% $276,574 22% 51%-75% $906,966 73% 11
Slide 12: Non-performing by Type
Non-performing by Type Gross Loans [in thousands] 06-30-24 $10,984 03-31-24 $21,271 Consumer* $72 1% Single Family Real Estate $1,147 10% Commercial Real Estate $9,765 89% *Includes Home Equity Loans of $32 *Includes Home Equity Loans of $41 12
Slide 13: Non-performing by Region
Non-performing by Region Gross Loans [in thousands] 06-30-24 $10,984 03-31-24 $21,271 Other Regions $3,657 33% St Louis $8,014 38% Other Regions St Louis $12,994 $7,261 61% Minnesota 66% $29 0% Missouri Other Springfield $37 $199 1% 1% Minnesota Missouri Other $29 $35 0% 0% 13
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