Great Southern Bancorp, Inc. · NASDAQ:GSBC
Great Southern Bancorp — Q4 2025 Earnings Presentation
16 slides from Great Southern Bancorp's earnings presentation, Jan 22, 2026
Slide 1: Earnings Presentation
Earnings Presentation January 2026 Great Southern Bancorp. Inc (NASDAQ: GSBC) Fourth Quarter Ended December 31, 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 December 31, 2025
Slide 5: Highlights & Developments
Highlights & Developments Earnings Growth: ($000S EXCEPT PER SHARE DATA) 4Q25 3Q25 4Q24 4Q25 net income increased to $16.3 million ($1.45 per diluted share) from $14.9 INCOME STATEMENT million ($1.27 per diluted share) in 4Q24, driven by disciplined non-interest expense management and a lower provis
Slide 6: Income Statement
Income Statement Net Interest Margin & Net Interest Income Net Income Growth: Dollars In Thousands GSBC reported net income of $16.3 million in 4Q25, a 9.1% increase from $14.9 million in 4Q24. Earnings Per Share: $50,773 Earnings per diluted common share rose to $1.45 in 4Q25 from $1.27 in 4Q24, ma
Slide 7: Non-Interest Income
Non-Interest Income Non-Interest Income Dollars In Thousands Total Non-Interest Income: $7.2 million, a 3.7% increase from $6.9 million in 4Q24. POS and ATM fee income and service charges: $3.2 million, down 3.4% from $3.3 million in 4Q24. Other income $736 $958 Overdraft and insufficient funds fees
Slide 8: Non-Interest Expense
Non-Interest Expense Non-Interest Expense Dollars In Thousands Total Non-Interest Expense: $36.0 million, a $947,000 decrease from $36.9 million in 4Q24. Net Occupancy and Equipment Expense: Net occupancy expenses increased to $9.5 million, a $1.2 million increase year-over-year, driven by higher co
Slide 9: Deposits
Deposits Interest-Bearing Deposits: Total Deposits Increased by $74.7 million, or 3.4%, compared to 4Q24, primarily driven by an increase in certain money Dollars In Millions market accounts. Non-Interest-Bearing Deposits: Decreased by $1.4 million, or 0.2%, compared to the 4Q24. Time Deposits: $4,6
Slide 10: Capital
Capital Stockholders’ Equity at Year-End December 31, 2025: $636.1 million, or 11.4% of total assets, up from $599.6 million (10.0% of total assets) at December 31, 2024. Full Year Key Drivers of Stockholders' Equity Growth: ● $71.0 million in net income. ● $6.7 million in stock option exercises. ●
Slide 11: 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 12: Loan Growth by Region
Loan Growth 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 $343,058
Slide 13: Asset Quality Metrics
Asset Quality Metrics Non-Performing Assets Dollars in Millions 0.16% Non-Performing Assets (NPAs): Remained stable at $8.1 million, representing 0.15% of total assets, in line 0.15% with 3Q25. 0.14% $9.6 Allowance for Credit Losses (ACL): $8.1 Remained stable at 1.46% of total loans, a slight incre
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
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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