← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Missouri, the state note

Great Southern Bank

Reeds Spring, Missouri · $5.53B in assets · beside the 8 other Missouri banks between $3B and $10B

The filing

0.02%
NPA / loans
1st of 9
69.4%
CRE / loans
9th of 9
-4.9%
Loans, year over year
9th of 9, largest first

Great Southern Bank is the second largest of the 9 Missouri banks between $3B and $10B, with $5.53B in assets at 30 June 2026. Loans are 100.1% of deposits, 7th of 9 against a median of 96.9%, and equity is 11.0% of assets, 6th of 9. Loans grew -4.9% in the year, the slowest in the cohort, and deposits fell 7.2%; the cohort's median loan growth is +7.1%.

Noncurrent loans are 0.02% of the book, the lowest in the cohort against a median of 0.90%; 0.01% is 30 to 89 days past due, and the allowance covers them 61.9 times. Commercial real estate is 69.4% of loans, the highest in the cohort against a median of 36.5%, and 441% of capital, above the 300% screen, with construction at 58% against the 100% screen.

Return on assets is 1.26%, 6th of 9 against a median of 1.27%, on an efficiency ratio of 63.2%, 7th of 9. Five years ago it was 1.56%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 3.9% of loans).

Commercial real estate, share of loansMO banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 36.5% Bo Bank of Missouri 23.5% NA North American Savings Bank FSB 25.7% FB First Bank 30.2% OB Oakstar Bank 33.8% FS First State Community Bank 36.5% SB Southern Bank 38.8% AB Academy Bank National Association 46.1% MB Midwest Bankcentre 46.8% GS Great Southern Bank 69.4%
Loans, year over yearMO banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +7.1% Bo Bank of Missouri +48.0% OB Oakstar Bank +10.4% FB First Bank +7.8% FS First State Community Bank +7.3% SB Southern Bank +7.1% AB Academy Bank National Association +5.5% NA North American Savings Bank FSB +1.8% MB Midwest Bankcentre +1.7% GS Great Southern Bank -4.9%

SBA 7(a), FY2008 to FY2026

Great Southern Bank is the 73rd largest 7(a) lender into Missouri of 444, with $19M across 83 loans, 0.3% of everything approved in the state (Oakstar Bank leads with $556M). 41 of its 49 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Missouri, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Greene, MO$6M19th of 800.7%thin
Dallas, TX$5M133rd of 3140.1%-0.1 pts
Jefferson, KS$5M1st of 1248.2%quiet FY2021
Johnson, KS$3M67th of 1850.3%thin
Saint Louis, MO$3M80th of 1780.2%thin
Douglas, NE$2M62nd of 1450.3%quiet FY2016
Benton, AR$2M35th of 900.5%quiet FY2015
Saint Louis City, MO$2M38th of 1000.7%thin
Polk, IA$2M67th of 1770.3%thin
Dade, MO$2M4th of 109.4%quiet FY2022
Barry, MO$2M12th of 283.4%quiet FY2015
Washington, AR$2M33rd of 920.5%quiet FY2015
Collin, TX$1M174th of 2610.0%quiet FY2022
36 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services47$15M30.2%0.02%459th of 2,596
Health care & social assistance25$8M16.5%0.02%430th of 2,172
Arts, entertainment & recreation9$7M15.2%0.05%264th of 1,656
Retail trade31$6M13.2%0.01%621st of 2,589
Other services15$4M8.7%0.01%608th of 2,248
7(a) lenders into Missouri, share of approvals since FY2008444 lenders on record; the ten largest and Great Southern Bank
OB Oakstar Bank 7.3% $556M · 864 loans SB Simmons Bank 6.1% $463M · 1,400 loans LO Live Oak Banking Company 5.3% $404M · 257 loans MR Midwest Regional Bank 4.6% $353M · 393 loans UB U.S. Bank, National Association 4.0% $302M · 2,342 loans TB The Bank of Missouri 3.1% $235M · 887 loans CB Commerce Bank 3.0% $229M · 926 loans BB Busey Bank 2.8% $209M · 281 loans SB Southern Bank 2.3% $172M · 361 loans TC The Central Trust Bank 2.1% $157M · 770 loans GS Great Southern Bank 0.3% $19M · 83 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Great Southern BankRankCohort median
Total CRE against capital, the 300% screen441%9th of 9228%
Construction against capital, the 100% screen58%4th of 968%
Construction and land development, share of loans9.2%4th of 99.4%
Non-owner-occupied nonfarm nonresidential, share of loans29.5%9th of 921.0%
Total CRE, the guidance definition, share of loans69.4%9th of 936.5%
CRE growth over 36 months, the third prong+1.5%1st of 9+40.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First Bank$6.65B0.7%73.7%0.27%0.17%1.0%73.0%8.4%
Great Southern Bank$5.53B1.3%63.2%0.02%0.04%1.5%100.1%11.0%
Southern Bank$5.19B1.5%51.2%0.63%0.21%1.2%99.4%10.5%
First State Community Bank$4.51B1.8%49.2%1.07%0.12%1.1%91.4%12.5%
Bank of Missouri$4.23B0.9%75.0%1.53%0.84%0.7%88.8%11.7%
Oakstar Bank$3.29B1.5%56.5%0.48%0.08%1.2%101.7%9.9%
Academy Bank National Association$3.23B1.0%63.1%1.05%0.29%1.4%92.9%14.6%
North American Savings Bank FSB$3.20B1.3%46.2%0.90%0.03%1.3%117.8%13.7%
Midwest Bankcentre$3.07B1.3%51.9%1.07%0.23%1.3%96.9%12.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Great Southern BankCohort median
20212026Change20212026Change
Loans$4.30B$4.38B+2%$1.85B$3.18B+72%
Deposits$4.69B$4.38B-7%$2.24B$3.58B+60%
NPA / loans0.18%0.02%-0.16 pts0.39%0.90%+0.50 pts
Efficiency52.8%63.2%+10.5 pts63.5%56.5%-7.0 pts
ROA1.56%1.26%-0.30 pts1.50%1.27%-0.22 pts

This read was prepared for Great Southern Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Great Southern Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MO banks $3B to $10B
Institution www.greatsouthernbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue