Great Southern Bancorp, Inc. · NASDAQ:GSBC
Great Southern Bancorp — Q4 2024 Earnings Presentation
14 slides from Great Southern Bancorp's earnings presentation, Jan 22, 2025
Slide 1: Loan Portfolio, December 31, 2024
=§— GREAT SOUTHERN BANK LOAN PORTFOLIO December 31, 2024
Slide 2: Loan Portfolio
Loan Portfolio Gross Loans [in thousands] 12-31-24 $4,768,785 Consumer* $169,528 4% Commercial Business $220,291 Const & Land 5% Dev Single Family $445,691 Real Estate 9% $840,284 18% Commercial Real Estate $1,543,742 32% Multifamily Real Estate $1,549,249 32% *Includes Home Equity Loans of $115,836
Slide 3: Loan Portfolio by Region
Loan Portfolio by Region Gross Loans [in thousands] 12-31-24 $4,768,785 Other Region $112,432 2% Midwest Region $247,175 Southern Region Kansas City 5% $400,529 $224,649 9% 5% Florida $156,337 St. Louis 3% $781,370 17% Phoenix $137,933 3% Texas - Other Springfield $345,691 $372,009 7% 8% Missouri -
Slide 4: Commercial Real Estate by Industry
Commercial Real Estate by Industry Gross Loans [in thousands] 12-31-24 $1,543,742 Storage $54,555 4% Other $86,103 6% Retail $308,793 20% Industrial $262,431 17% Healthcare $268,038 Office 17% Buildings $191,868 12% Motels / Hotels Restaurants $260,137 $111,817 17% 7% 4
Slide 5: Commercial Real Estate by Region
Commercial Real Estate by Region Gross Loans [in thousands] 12-31-24 $1,543,742 Other Region Kansas City $121,314 $114,521 8% 8% Southern Region St. Louis $227,955 $266,314 15% 17% Midwest Region Springfield $148,659 $97,678 10% 6% Missouri - Other Texas $111,506 $110,810 7% 7% Chicago Iowa/Nebraska
Slide 6: Commercial Real Estate Office and Retail
Commercial Real Estate Office and Retail All Data as of 12/31/24 Gross Loans [in thousands] Office $191,868 Retail + $420,610 Restaurant Other Region Southern Region Other Region 21,043 $6,001 $2,000 5% Midwest 3% 1% Kansas City Region Kansas City 19,263 $8,341 $11,457 4% 4% 6% Southern Denver Regio
Slide 7: Commercial Real Estate Office and Retail: Retail + Restaurant
Commercial Real Estate Office and Retail All Data as of 12/31/24 Gross Loans [in thousands] Office - $191,868 Retail + Restaurant - $420,610 Medical Traditional Neighborhood Outstanding Strip Single Mixed- & Shopping Center Tenant Use Center Restaurants Balance $34,862 $157,006 Outstanding # of Loan
Slide 8: Construction & Land Development by Industry
Construction & Land Development by Industry Gross Loans [in thousands] 12-31-24 $445,691 Single Other Family $54,905 $30,533 12% 7% Storage $25,140 6% Industrial $25,998 6% Retail $39,816 Apartments 9% $210,676 47% Commercial Land Dev $38,762 9% Residential Land Dev $19,861 4% 8
Slide 9: Construction & Land Development by Region
Construction & Land Development by Region Gross Loans [in thousands] 12-31-24 $445,691 Other Region $3,422 1% Southern Region St. Louis $70,374 $76,762 16% 17% Midwest Region Missouri - Other $30,705 $27,628 7% 6% Denver $18,268 4% Phoenix $47,276 11% Colorado - Other $73,943 16% Texas - Other $49,1
Slide 10: Multi Family Real Estate by Region
Multi Family Real Estate by Region Gross Loans [in thousands] 12-31-24 $1,549,249 Other Region $44,667 Missouri - Other 3% $79,042 St. Louis 5% $72,057 5% Southern Region $263,751 17% Iowa/Nebraska/ South Dakota $165,573 Midwest Region 10% $56,318 4% Minnesota $178,956 Texas - Other 11% $220,160 14%
Slide 11: Multi Family Real Estate by LTV
Multi Family Real Estate by LTV Gross Loans [in thousands] 12-31-24 $1,549,249 76%-85% 86% and higher 25% or less $49,951 $2,710 $14,780 3% 0% 1% 26%-50% $384,373 25% 51%-75% $1,097,435 71% 11
Slide 12: Non-performing by Type
Non-performing by Type Gross Loans [in thousands] 12-31-24 $3,573 Consumer* $17 0% Const & Land Dev $384 11% Commercial Business $464 13% Commercial Real Estate $77 2% Single Family Real Estate $2,631 74% *Includes Home Equity Loans of $0 *Includes Home Equity Loans of $0 12
Slide 13: Non-performing by Region
Non-performing by Region Gross Loans [in thousands] 12-31-24 $3,573 Missouri $228 6% Midwest Region $26 Iowa/Nebraska/ South Dakota 1% $464 13% Other Region $1,696 48% Southern Region $1,159 32% 13
Slide 14: States by Region
States by Region Midwest Region Southern Region • Illinois • North Dakota • Alabama • Mississippi • West Virginia • Indiana • Ohio • Arkansas • North Carolina • Iowa • South Dakota • Delaware • Oklahoma • Kansas • Wisconsin • Florida • South Carolina • Michigan • Georgia • Tennessee • Minnesota • Ke
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