Great Southern Bancorp, Inc. · NASDAQ:GSBC
Great Southern Bancorp — Q1 2025 Earnings Presentation
14 slides from Great Southern Bancorp's earnings presentation, Apr 17, 2025
Slide 1: Loan Portfolio, March 31, 2025
=§— GREAT SOUTHERN BANK LOAN PORTFOLIO March 31, 2025
Slide 2: Loan Portfolio
Loan Portfolio Gross Loans [in thousands] 03-31-25 $4,768,235 Consumer* $164,576 4% Commercial Business $217,100 Const & Land 5% Dev Single Family $474,831 Real Estate 10% $829,949 17% Commercial Real Estate $1,489,309 31% Multifamily Real Estate $1,592,470 33% *Includes Home Equity Loans of $114,33
Slide 3: Loan Portfolio by Region
Loan Portfolio by Region Gross Loans [in thousands] 03-31-25 $4,768,235 Other Region $116,663 2% Midwest Region $248,570 Southern Region Kansas City 5% $389,465 $228,661 Florida 9% 5% $158,748 St. Louis 3% $771,765 16% Phoenix $135,335 3% Texas - Other Springfield $366,734 $366,548 8% 8% Missouri -
Slide 4: Commercial Real Estate by Industry
Commercial Real Estate by Industry Gross Loans [in thousands] 03-31-25 $1,489,309 Storage $58,403 4% Other $81,059 5% Retail $275,725 19% Industrial $270,844 18% Healthcare $268,101 18% Office Buildings $176,785 Motels / 12% Hotels Restaurants $252,466 $105,926 17% 7% 4
Slide 5: Commercial Real Estate by Region
Commercial Real Estate by Region Gross Loans [in thousands] 03-31-25 $1,489,309 Other Region Kansas City $98,214 $113,010 7% 8% Southern Region $206,931 St. Louis 14% $264,899 18% Midwest Region $148,149 10% Springfield $97,273 6% Texas $109,693 Missouri - Other 7% $109,936 7% Chicago Iowa/Nebraska/
Slide 6: Commercial Real Estate Office and Retail
Commercial Real Estate Office and Retail All Data as of 03/31/25 Gross Loans [in thousands] Office $176,785 Retail + $381,650 Restaurant Other Region Southern Region Other Region 19,909 $5,912 $1,993 5% Midwest 3% 1% Kansas City Region Kansas City 18,827 $9,159 $10,937 5% 5% 6% Denver Southern $13,5
Slide 7: Commercial Real Estate Office and Retail: Retail + Restaurant
Commercial Real Estate Office and Retail All Data as of 03/31/25 Gross Loans [in thousands] Office - $176,785 Retail + Restaurant - $381,650 Medical Traditional Neighborhood Outstanding Strip Single Mixed- & Shopping Center Tenant Use Center Restaurants Balance $22,717 $154,068 Outstanding # of Loan
Slide 8: Construction & Land Development by Industry
Construction & Land Development by Industry Gross Loans [in thousands] 03-31-25 $474,831 Single Other Family $59,964 $28,789 13% 6% Storage $23,625 5% Industrial $38,443 8% Apartments $218,973 Retail 46% $40,614 9% Commercial Land Dev $39,134 8% Residential Land Dev $25,289 5% 8
Slide 9: Construction & Land Development by Region
Construction & Land Development by Region Gross Loans [in thousands] 03-31-25 $474,831 Other Region $8,633 2% St. Louis Southern Region $56,444 $61,629 12% Missouri - Other 13% $27,658 6% Denver Midwest Region $22,796 $46,355 5% 10% Phoenix Colorado - Other $51,192 $71,149 11% 15% Texas - Other $69,
Slide 10: Multi Family Real Estate by Region
Multi Family Real Estate by Region Gross Loans [in thousands] 03-31-25 $1,592,470 Other Region $44,667 3% Missouri - Other $78,672 St. Louis 5% $89,019 6% Southern Region $263,889 17% Iowa/Nebraska/ Midwest Region South Dakota $51,445 $195,467 3% 12% Texas - Other Minnesota $221,623 $178,364 14% 11%
Slide 11: Multi Family Real Estate by LTV
Multi Family Real Estate by LTV Gross Loans [in thousands] 03-31-25 $1,592,470 76%-85% 86% and higher 25% or less $49,719 $33,197 $17,959 3% 2% 1% 26%-50% $381,452 24% 51%-75% $1,110,143 70% 11
Slide 12: Non-performing by Type
Non-performing by Type Gross Loans [in thousands] 03-31-25 $3,482 Commercial Consumer* Business $38 Commercial $0 1% Real Estate 0% $0 0% Const & Land Dev $368 11% Single Family Real Estate $3,076 88% *Includes Home Equity Loans of $23 *Includes Home Equity Loans of $0 12
Slide 13: Non-performing by Region
Non-performing by Region Gross Loans [in thousands] 03-31-25 $3,482 Missouri $105 3% Iowa/Nebraska/ South Dakota $771 22% Other Region $1,427 Midwest Region 41% $23 1% Southern Region $1,156 33% 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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