Great Southern Bancorp, Inc. · NASDAQ:GSBC
Great Southern Bancorp — Q2 2026 Earnings Presentation
16 slides from Great Southern Bancorp's earnings presentation, Jul 16, 2026
Slide 1: Earnings Presentation
Earnings Presentation July 2026 Great Southern Bancorp. Inc (NASDAQ: GSBC) Second Quarter Ended June 30, 2026
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 June 30, 2026
Slide 5: Highlights & Developments
Highlights & Developments Earnings Performance: ($000S EXCEPT PER SHARE DATA) 2Q26 1Q26 2Q25 2Q26 net income decreased to $15.8 million ($1.43 per diluted share) from $19.8 INCOME STATEMENT million ($1.72 per diluted share) in 2Q25, primarily driven by one-time expenses recorded in the 2026 period r
Slide 6: Income Statement
Income Statement Net Interest Margin & Net Interest Income Net Income Performance: Dollars In Thousands GSBC reported net income of $15.8 million in 2Q26, a 20.2% decrease from $19.8 million in 2Q25, primarily reflecting the impact of one-time branch consolidation and severance charges recorded in t
Slide 7: Non-Interest Income
Non-Interest Income Non-Interest Income Dollars In Thousands Total Non-Interest Income: $7.4 million, a 10.2% decrease from $8.2 million in 2Q25. POS and ATM fee income and service charges: $3.4 million, down 1.5% from $3.4 million in 2Q25. $1,886 Other income $989 Overdraft and insufficient funds f
Slide 8: Non-Interest Expense
Non-Interest Expense Non-Interest Expense Dollars In Thousands Total Non-Interest Expense: $38.2 million, a $3.2 million increase from $35.0 million in 2Q25, heavily driven by one-time consolidation and severance costs. Net Occupancy and Equipment Expense: Increased to $10.7 million, representing a
Slide 9: Deposits
Deposits Interest-Bearing Deposits: Total Deposits Decreased by $91.8 million, or 4.0%, compared to 4Q25, primarily driven by a decrease in certain money Dollars In Millions market accounts. 4,482.8 $4,445.2 $4,302.1 Non-Interest-Bearing Deposits: Increased by $35.9 million, or 4.3%, compared to 4Q2
Slide 10: Capital
Capital Stockholders’ Equity at June 30, 2026: $641.6 million, or 11.6% of total assets, representing a $5.5 million increase from $636.1 million (11.4% of total assets) at December 31, 2025. Key Drivers of Change in Stockholders’ Equity (Six Months Ended June 30, 2026): Stockholders’ Equity ● $33.3
Slide 11: Loan Portfolio by Category
Loan Portfolio by Category Gross Loans [in thousands] 6-30-26 $4,385,000 3-31-26 $4,533,822 Commercial Business Consumer* Commercial Business Consumer* $173,594 $182,776 $180,182 $179,525 4% 4% 4% 4% Const & Const & Land Dev Land Dev $402,364 $432,146 Single Family Single Family 9% 10% Real Estate R
Slide 12: Loan Portfolio by Region
Loan Portfolio by Region Gross Loans [in thousands] 6-30-26 $4,385,000 3-31-26 $4,533,822 Southern Other Region Kansas City Other Region Kansas City Region $144,212 $232,994 $134,508 $232,330 $301,609 3% 5% 3% 5% 7% Midwest Region Southern Midwest Region $286,114 Region $277,428 6% $330,945 St. Loui
Slide 13: Asset Quality Metrics
Asset Quality Metrics Non-Performing Assets Dollars in Millions Non-Performing Assets (NPAs): 0.18% 0.17% Decreased to $9.4 million, representing 0.17% of total assets, down from $10.1 million (0.18% of total assets) in 1Q26. 0.15% $10.1 Allowance for Credit Losses (ACL): $9.4 Remained stable at 1.4
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: Tangible Common Equity to Tangible Assets
Non-GAAP Reconciliation Non-GAAP Reconciliation: Ratio of Tangible Common Equity to Tangible Assets June 30, December 31, 2026 2025 (Dollars in thousands) Common equity at period end $ 641,597 $ 636,126 Less: Intangible assets at period end 9,444 9,660 Tangible common equity at period end (a) $ 632,
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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