Great Southern Bancorp, Inc. · NASDAQ:GSBC
Great Southern Bancorp — Q3 2025 Earnings Presentation
16 slides from Great Southern Bancorp's earnings presentation, Oct 16, 2025
Slide 1: Earnings Presentation
Earnings Presentation October 2025 Great Southern Bancorp. Inc (NASDAQ: GSBC) Third Quarter Ended September 30, 2025
Slide 2: Forward-Looking Statements
Forward-Looking Statements When used in this presentation and in other documents filed or furnished by the Company with or to the Securities and Exchange Commission (the “SEC”), in the Company's other press releases or other public or stockholder communications, and in oral statements made with the
Slide 3: Executive Management Team
Executive Management Team Joseph W. Turner Rex A. Copeland President & Chief Executive Officer Senior Vice President & Chief Financial Officer Joseph W. Turner joined Great Southern in 1991 and became an officer of Bancorp Rex A. Copeland has served as Senior Vice President, Chief Financial Officer,
Slide 4: Financial Performance
Financial Performance Great Southern Bancorp. Inc (NASDAQ: GSBC) Quarter ended September 30, 2025
Slide 5: Highlights & Developments
Highlights & Developments Earnings Growth: ($000S EXCEPT PER SHARE DATA) 3Q25 2Q25 3Q24 3Q25 net income increased to $17.8 million ($1.56 per diluted share) from $16.5 INCOME STATEMENT million ($1.41 per diluted share) in 3Q24, driven by strong growth in net interest income and lower provisions for
Slide 6: Income Statement
Income Statement Net Interest Margin & Net Interest Income Net Income Growth: Dollars In Thousands GSBC reported net income of $17.8 million in 3Q25, a 7.7% increase from $16.5 million in 3Q24. $50,963 $50,773 Earnings Per Share: Earnings per diluted common share rose to $1.56 in 3Q25 from $1.41 in
Slide 7: Non-Interest Income
Non-Interest Income Non-Interest Income Dollars In Thousands Total Non-Interest Income: $7.1 million, a 1.0% increase from $7.0 million in 3Q24. POS and ATM fee income and service charges: $3.3 million, down 5.1% from $3.5 million in 3Q24. Other income $1,886 $742 $736 Overdraft and insufficient fun
Slide 8: Non-Interest Expense
Non-Interest Expense Non-Interest Expense Dollars In Thousands Total Non-Interest Expense: $36.1 million, a $2.4 million increase from $33.7 million in 3Q24. Net Occupancy and Equipment Expense: Net occupancy expenses increased to $8.9 million, a $735,000 increase year- over-year. This increase was
Slide 9: Deposits
Deposits Total Deposits Interest-Bearing Deposits: Dollars In Millions Increased by $54.3 million, or 2.4%, compared to 4Q24, primarily driven by an increase in certain money market accounts. $4,684 Non-Interest-Bearing Deposits: Increased by $12.4 million, or 1.5%, compared to the 4Q24. $4,606 Time
Slide 10: Capital
Capital Stockholders’ Equity at September 30, 2025: $632.9 million, or 11.0% of total assets, up from $599.6 million (10.0% of total assets) at December 31, 2024. Key Drivers of Stockholders' Equity Growth: ● $54.7 million in net income. ● $4.2 million in stock option exercises. ● $14.0 million in c
Slide 11: Loan Portfolio by Category
Loan Portfolio by Category Gross Loans [in thousands] 9-30-25 $4,543,707 6-30-25 $4,610,559 Commercial Business Consumer* Commercial Business $230,299 $171,519 $195,082 Consumer* 5% 4% 4% $167,318 4% Const & Const & Land Dev Land Dev $322,969 Single Family $366,567 Single Family 7% Real Estate $802,
Slide 12: Loan Growth by Region
Loan Growth by Region Gross Loans [in thousands] 9-30-25 $4,543,707 6-30-25 $4,610,559 Other Region Other Region $123,099 $112,854 Midwest Region 3% 2% Midwest Region $260,200 Kansas City $255,285 Kansas City 6% $203,534 $200,178 6% Southern Region Southern Region 4% Florida 4% $372,672 $343,058 $14
Slide 13: Asset Quality Metrics
Asset Quality Metrics Non-Performing Assets Dollars in Millions 0.16% Non-Performing Assets (NPAs): Decreased to $7.8 million, representing 0.14% of total assets, down from $8.1 million (0.14% of total assets) in 2Q25. 0.14% 0.14% $9.6 Allowance for Credit Losses (ACL): $8.1 Remained stable at 1.43%
Slide 14: Non-GAAP Reconciliation
Non-GAAP Reconciliation This document contains certain financial information determined by methods other than in accordance with accounting principles generally accepted in the United States (“GAAP”), specifically, the ratio of tangible common equity to tangible assets. In calculating the ratio of t
Slide 15: Non-GAAP Reconciliation: Ratio of Tangible Common Equity to Tangible Assets
Non-GAAP Reconciliation Non-GAAP Reconciliation: Ratio of Tangible Common Equity to Tangible Assets Great Southern Bancorp. Inc | 15
Slide 16: Contact Us
Contact Us Great Southern Bancorp. Inc (NASDAQ: GSBC) Kincade Ayers (616) 233-0500 - GSBC@lambert.com Investor Relations
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