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Great Southern Bancorp
Great Southern Bancorp (GSBC) investor relations material
Great Southern Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Q4 2025 net income was $16.3 million ($1.45 per diluted share), up from $14.9 million ($1.27 per share) in Q4 2024; full-year net income was $71 million ($6.19 per share), reflecting strong core banking operations and margin expansion.
Annualized return on average common equity for Q4 2025 was 10.16%, and return on average assets was 1.16%; for the year, these were 11.38% and 1.22%.
Results were driven by resilient net interest income, strong asset quality, and effective asset-liability management amid economic volatility.
Commercial real estate and multi-family real estate remain the largest loan categories, comprising 35% and 31% of the portfolio, respectively.
Asset quality remained strong, with non-performing assets at $8.1 million (0.15% of assets) at year-end, down from $9.6 million a year earlier.
Financial highlights
Net interest income for Q4 2025 was $49.2 million, down 0.7% year-over-year, mainly due to the loss of swap income and lower loan balances.
Net interest margin expanded to 3.70% in Q4 2025 from 3.49% in Q4 2024.
Non-interest income rose to $7.2 million in Q4 2025, primarily from increased loan fees and prepayment fees.
Non-interest expense for Q4 2025 was $36 million, down 2.6% year-over-year, reflecting the absence of a prior-year litigation charge and lower litigation costs.
Efficiency ratio improved to 63.89% in Q4 2025 from 65.43% in Q4 2024.
Outlook and guidance
Management expects loan growth to remain challenging in 2026 due to continued elevated payoffs and selective loan demand.
Net interest margin is expected to remain stable, with little room for further improvement unless market conditions change.
Expense levels may rise in Q1 2026 due to annual salary increases and payroll tax resets.
The company anticipates an effective tax rate of 18.5% to 19.5% in future periods.
Management will continue investing in technology and maintaining strong capital and liquidity positions.
Quantify swap income's future NII impact
Explain loan portfolio decline vs. strong pipeline
Detail deposit strategy given lower replacement rates
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Next Great Southern Bancorp earnings date
Q1 202616 Apr, 2026
Great Southern Bancorp
Next Great Southern Bancorp earnings date
Q1 202616 Apr, 2026
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Frequently asked questions
Great Southern Bank, headquartered in Springfield Missouri, is a $6.7 billion asset company founded in 1923. Great Southern’s focus is on the customer with a wide range of banking, investment and insurance services to meet its customers' needs. The bank has over 150 locations in Missouri, Arkansas, Iowa, Kansas, Minnesota and Nebraska and loan production offices in Illinois, Indiana, Kentucky and Oklahoma.
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