Great Southern Bancorp, Inc. · NASDAQ:GSBC
Great Southern Bancorp — Investor Presentation (January 2026)
15 slides from Great Southern Bancorp's investor presentation, January 2026
Slide 1: Loan Portfolio Presentation
Loan Portfolio Presentation January 2026 Great Southern Bancorp. Inc (NASDAQ: GSBC) Fourth Quarter Ended December 31, 2025
Slide 2: Loan Portfolio by Category
Loan Portfolio by Category Gross Loans [in thousands] 12-31-25 $4,434,516 9-30-25 $4,543,707 Commercial Business Commercial Business $178,514 $230,299 4% 5% Consumer* Consumer* $174,448 $171,519 Const & Const & 4% 4% Land Dev Land Dev $349,161 $322,969 Single Family Single Family 8% 7% Real Estate R
Slide 3: Loan Portfolio by Region
Loan Portfolio by Region Gross Loans [in thousands] 12-31-25 $4,434,516 9-30-25 $4,543,707 Other Region Kansas City Other Region Kansas City $131,250 $231,251 $123,099 $200,178 3% 5% 3% 4% Midwest Region Midwest Region $269,497 Southern $260,200 Southern 6% Region 6% Region $318,176 St. Louis $343,0
Slide 4: Commercial Real Estate by Industry
Commercial Real Estate by Industry Gross Loans [in thousands] 12-31-25 $1,556,148 9-30-25 $1,530,990 Storage Storage $65,685 $67,197 4% Other 4% Other $107,381 Retail $105,605 Retail 7% $272,152 7% $293,816 18% 19% Industrial Industrial $280,376 $270,088 18% 18% Healthcare $249,012 Healthcare 16% $2
Slide 5: Commercial Real Estate by Region
Commercial Real Estate by Region Gross Loans [in thousands] 12-31-25 $1,556,148 9-30-25 $1,530,990 Other Kansas City Other Kansas City Region $100,762 Region $109,431 $108,496 6% $105,437 7% 7% 7% St. Louis Southern Region Southern Region St. Louis $279,766 $195,611 $216,168 $288,990 18% 13% 14% 19%
Slide 6: Commercial Real Estate Office and Retail (as of 12/31/25)
Commercial Real Estate Office and Retail (as of 12/31/25) Gross Loans [in thousands] 12-31-25 $170,769 12-31-25 $368,849 Southern Region Other Region Kansas City $5,650 $2,584 $17,635 3% 2% 5% Midwest Region Kansas City $8,963 Other Region $9,528 5% $21,115 6% 6% Southern Region Denver $41,136 $15,2
Slide 7: Commercial Real Estate Office and Retail (as of 12/31/25)
Commercial Real Estate Office and Retail (as of 12/31/25) Gross Loans [in thousands] Office Retail + Restaurant $170,769 $368,849 Medical Traditional Neighborhood Strip Single Mixed- & Shopping Restaurants Center Tenant Use Center Outstanding Balance $21,533 $149,237 Outstanding # of Loans 18 101 Ba
Slide 8: Construction & Land Development by Industry
Construction & Land Development by Industry Gross Loans [in thousands] 12-31-25 $349,161 9-30-25 $322,969 Storage Other $7,964 $7,980 2% 2% Other Single Single Family Storage $21,695 Family $30,258 $16,661 7% $21,856 Industrial 9% 5% 7% $56,152 16% Industrial $52,189 Retail 16% $24,980 7% Apartments
Slide 9: Construction & Land Development by Region
Construction & Land Development by Region Gross Loans [in thousands] 12-31-25 $349,161 9-30-25 $322,969 St. Louis Other Region $11,782 $17,015 3% 5% Other St. Louis Region Missouri $18,010 Missouri $24,655 - Other 6% - Other 7% $23,137 Denver 7% $15,281 $22,810 5% Southern Region 7% Southern Region
Slide 10: Multi Family Real Estate by Region
Multi Family Real Estate by Region Gross Loans [in thousands] 12-31-25 $1,387,410 9-30-25 $1,485,546 Other Region Other Region $85,694 Missouri - Other $85,251 Missouri - Other 6% $92,823 6% $52,985 St. Louis St. Louis $73,379 7% 4% $104,144 5% 7% Southern Region Southern Region Iowa/Nebraska/ Iowa/
Slide 11: Multi Family Real Estate by LTV
Multi Family Real Estate by LTV Gross Loans [in thousands] 12-31-25 $1,387,410 9-30-25 $1,485,546 86% and higher: 25% or less: 76%-85%: 86% and higher: 25% or less: $33,163 $17,824 $46,491 $33,175 $19,164 2% 1% 3% 2% 1% 76%-85%: $82,922 6% 26%-50%: 26%-50%: $365,436 $355,356 25% 26% 51%-75%: 51%-75%
Slide 12: Non-Performing by Type
Non-Performing by Type Gross Loans [in thousands] 12-31-25 $2,094 9-30-25 $1,728 Consumer* Consumer* $28 $22 1% 1% Single Family Real Single Family Real Estate Estate $2,066 $1,706 99% 99% *Includes Home Equity Loans of $18 *Includes Home Equity Loans of $0 Great Southern Bancorp. Inc | 12
Slide 13: Non-Performing by Region
Non-Performing by Region Gross Loans [in thousands] 12-31-25 $2,094 9-30-25 $1,728 Other Region Other Region $7 $7 0% 0% Missouri Missouri $227 $160 11% 9% Iowa/Nebraska/ Iowa/Nebraska/ South Dakota South Dakota $386 $393 18% 23% Southern Region $1,439 Southern Region 69% Midwest Region $1,151 $35 6
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
Slide 15: Contact Us
Contact Us Great Southern Bancorp. Inc (NASDAQ: GSBC) Kincade Ayers (616) 233-0500 - GSBC@lambert.com Investor Relations
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