Great Southern Bancorp, Inc. · NASDAQ:GSBC
Great Southern Bancorp — Q2 2026 Earnings Presentation
15 slides from Great Southern Bancorp's earnings presentation, Jul 16, 2026
Slide 1: Loan Portfolio Presentation June 2026
Loan Portfolio Presentation June 2026 Great Southern Bancorp. Inc (NASDAQ: GSBC) Second Quarter Ended by June 30, 2026
Slide 2: Loan Portfolio by Category
Consumer* $182,776 4% Single Family Real Estate $795,911 18% Multi - family Real Estate $1,347,498 31% Commercial Real Estate $1,482,857 34% Const & Land Dev $402,364 9% Commercial Business $173,594 4% Loan Portfolio by Category Gross Loans [in thousands] *Includes Home Equity Loans of $139,377 6 -
Slide 3: Loan Portfolio by Region
Kansas City $232,994 5% St. Louis $748,168 17% Springfield $385,530 9% Missouri - Other $231,289 5% Iowa/Nebraska/ South Dakota $312,639 7% Minnesota $317,826 7% Oklahoma $90,642 2% Denver $138,165 3% Colorado - Other $122,229 3% Georgia $141,530 3% Chicago $168,743 4% Dallas $188,499 4% Texas - Oth
Slide 4: Commercial Real Estate by Industry
Retail $321,738 22% Healthcare $178,479 12% Motels / Hotels $302,958 20% Restaurants $88,702 6% Office Buildings $166,142 11% Industrial $261,206 18% Storage $58,470 4% Other $105,162 7% Commercial Real Estate by Industry Gross Loans [in thousands] 6 - 30 - 26 $1,482,857 3 - 31 - 26 $1,583,124 Retai
Slide 5: Commercial Real Estate by Region
Kansas City St. Louis $275,890 18% Springfield $117,478 8% Missouri - Other $104,312 7% Iowa/Nebraska/South Dakota $49,982 3% Minnesota $68,967 5% Chicago $155,770 10% Texas $129,969 9% Midwest Region $173,631 12% Southern Region $217,275 15% Other Region $100,163 $89,420 7% 6% Commercial Real Estat
Slide 6: Commercial Real Estate Office and Retail
Kansas City $15,135 4% St. Louis $107,360 26% Springfield $19,430 5% Missouri - Other $45,283 11% Oklahoma $364 0% Minnesota $14,444 3% Chicago $41,314 10% Denver $11,063 3% Midwest Region $86,184 21% Southern Region $45,836 11% Other Region $24,027 6% St. Louis $49,953 30% Springfield $20,854 13% O
Slide 7: Commercial Real Estate Office and Retail
Office $166,142 Retail + Restaurant $410,440 Traditional Medical $144,400 $21,742 Outstanding Balance 97 18 # of Loans $1,489 $1,144 Avg. Loan Size 45% 68% Weighted Avg. LTV 100% of Office Portfolio – Pass Rated Restaurants Neighborhood & Shopping Center Mixed - Use Single Tenant Strip Center $88,70
Slide 8: Construction & Land Development by Industry
Single Family $38,163 9% Apartments $206,376 51% Residential Land Dev $34,141 9% Commercial Land Dev $51,546 13% Retail $23,065 6% Industrial $26,872 7% Construction & Land Development by Industry Gross Loans [in thousands] 3 - 31 - 26 $402,364 6 - 30 - 26 Other Storage $16,400 $5,801 4% 1% $432,146
Slide 9: Construction & Land Development by Region
St. Louis $46,586 12% Missouri - Other $28,683 7% Denver $8,902 2% Colorado - Other $69,168 17% Georgia $40,920 10% Dallas $6,050 2% Texas - Other $32,571 8% Phoenix $13,671 3% Midwest Region $54,961 14% Southern Region $61,380 15% Other Region $39,472 10% Construction & Land Development by Region G
Slide 10: Multi Family Real Estate by Region
St. Louis $75,993 6% Missouri - Other $97,393 7% Iowa/Nebraska/ South Dakota $167,211 12% Minnesota $180,646 13% Denver $92,791 7% Oklahoma $23,190 2% Colorado - Other $36,131 3% Georgia $43,781 3% Dallas $101,561 8% Texas - Other $203,710 15% Midwest Region $64,910 5% Southern Region $212,617 16% O
Slide 11: Multi-Family Real Estate by LTV
25% or less $14,008 1% 26% - 50% $355,591 26% 51% - 75% $874,094 65% 76% - 85% $70,803 5% 86% and higher $33,002 3% Multi - Family Real Estate by LTV Gross Loans [in thousands] 6 - 30 - 26 $1,347,498 3 - 31 - 26 $1,369,294 25% or less $11,985 1% Great Southern Bancorp. Inc | 11 26% - 50% $329,908 24
Slide 12: Non-Performing by Type
Agriculture $36 3% Consumer $6 1% Single Family Real Estate $991 96% Non - Performing by Type Gross Loans [in thousands] 6 - 30 - 26 $1,033 3 - 31 - 26 $3,454 *Includes Home Equity Loans of $17 Consumer* $26 1% Great Southern Bancorp. Inc | 12 Multifamily Real Estate $2,725 79% Single Family Real Es
Slide 13: Non-Performing by Region
Missouri - Other $126 12% Iowa/Nebraska/ South Dakota $386 39% Minnesota $197 19% Other Region $5 0% Oklahoma $2 0% St. Louis $317 30% Non - Performing by Region Gross Loans [in thousands] 6 - 30 - 26 $1,033 3 - 31 - 26 $3,454 Missouri $303 9% Iowa/Nebraska/ South Dakota $3,112 90% Southern Region $
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 — Q2 2026 Earnings Presentation on 6ix