Great Southern Bancorp, Inc. · NASDAQ:GSBC
Great Southern Bancorp — Q1 2026 Earnings Presentation
15 slides from Great Southern Bancorp's earnings presentation, Apr 16, 2026
Slide 1: Loan Portfolio Presentation April 2026
Loan Portfolio Presentation April 2026 Great Southern Bancorp. Inc (NASDAQ: GSBC) First Quarter Ended March 31, 2026
Slide 2: 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 3: 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 4: Commercial Real Estate by Industry
Retail $292,420 18% Healthcare $232,934 15% Motels / Hotels $311,738 20% Office Buildings $169,657 11% Restaurants $93,218 6% Industrial $302,812 19% Storage $73,698 4% Other $106,647 7% Commercial Real Estate by Industry Gross Loans [in thousands] 3 - 31 - 26 $1,583,124 12 - 31 - 25 $1,556,148 Grea
Slide 5: Commercial Real Estate by Region
Kansas City 6% St. Louis $278,916 18% Springfield $119,168 8% Missouri - Other $110,197 7% Iowa/Nebraska/South Dakota $101,715 6% Minnesota $70,653 4% Chicago $154,507 10% Texas $139,391 9% Midwest Region $158,238 10% Southern Region $245,464 15% Other Region $112,895 $91,980 7% Commercial Real Esta
Slide 6: Commercial Real Estate Office and Retail
St. Louis $107,733 28% Missouri - Other $44,472 12% Springfield $17,298 4% Oklahoma 0% Minnesota $15,731 4% $370 Chicago $36,863 10% Denver $11,094 3% Midwest Region $69,447 18% Southern Region $48,119 12% Kansas City $9,154 5% St. Louis $50,596 30% Springfield $20,213 12% Oklahoma $17,412 10% Minne
Slide 7: Commercial Real Estate Office and Retail
Office $169,657 Retail + Restaurant $385,639 Traditional Medical $148,621 $21,036 Outstanding Balance 102 18 # of Loans $1,457 $1,107 Avg. Loan Size 45% 68% Weighted Avg. LTV 100% of Office Portfolio – Pass Rated Restaurants Neighborhood & Shopping Center Mixed - Use Single Tenant Strip Center $93,2
Slide 8: Construction & Land Development by Industry
Single Family $38,981 9% Apartments $243,827 56% Residential Land Dev $23,008 5% Commercial Land Dev $43,555 10% Retail $29,504 7% Industrial $33,395 8% Storage $4,055 1% Other $15,821 4% Construction & Land Development by Industry Gross Loans [in thousands] 3 - 31 - 26 $432,146 12 - 31 - 25 Great S
Slide 9: Construction & Land Development by Region
St. Louis $44,792 10% Missouri - Other $26,095 6% Denver $20,832 5% Colorado - Other $50,824 12% Georgia $25,874 6% Dallas $21,133 5% Texas - Other $35,119 8% Phoenix $8,015 2% Midwest Region $86,895 20% Southern Region $77,754 18% Other Region $34,813 8% Construction & Land Development by Region Gr
Slide 10: Multi Family Real Estate by Region
5% St. Louis $72,294 Missouri - Other $97,652 7% Iowa/Nebraska/ South Dakota $178,149 13% Minnesota $151,654 11% Oklahoma $47,243 3% Denver $77,826 6% Colorado - Other $36,186 3% Georgia $45,566 3% Dallas $99,132 7% Texas - Other $188,326 14% Midwest Region $81,442 6% Southern Region $227,798 17% Ot
Slide 11: Multi Family Real Estate by LTV
25% or less $11,985 1% 26% - 50% $329,908 24% 51% - 75% $919,868 67% 76% - 85% $73,964 5% 86% and higher $33,569 3% Multi Family Real Estate by LTV Gross Loans [in thousands] 3 - 31 - 26 $1,369,294 12 - 31 - 25 $1,387,410 Great Southern Bancorp. Inc | 11
Slide 12: Non-Performing by Type
Consumer* $26 1% Multifamily Real Estate $2,725 79% Single Family Real Estate $703 20% Non - Performing by Type Gross Loans [in thousands] 3 - 31 - 26 $3,454 12 - 31 - 25 $2,094 *Includes Home Equity Loans of $17 *Includes Home Equity Loans of $18 Great Southern Bancorp. Inc | 12
Slide 13: Non-Performing by Region
Missouri $303 9% Iowa/Nebraska/ South Dakota $3,112 90% Southern Region $3 0% Other Region $5 0% Midwest Region $31 1% Non - Performing by Region Gross Loans [in thousands] 3 - 31 - 26 $3,454 12 - 31 - 25 $2,094 Great Southern Bancorp. Inc | 13
Slide 14: States by Region
Southern Region • Illinois • Indiana • Iowa • Kansas • Michigan • Minnesota • Missouri • Nebraska • North Dakota • Ohio • South Dakota • Wisconsin • Alabama • Arkansas • Delaware • Florida • Georgia • Kentucky • Louisiana • Maryland • Mississippi • North Carolina • Oklahoma • South Carolina • Tennes
Slide 15: Contact Us
Contact Us Great Southern Bancorp. Inc (NASDAQ: GSBC) Kincade Ayers (616) 233 - 0500 - GSBC@lambert.com Investor Relations
Great Southern Bancorp — Q1 2026 Earnings Presentation on 6ix