Great Southern Bancorp : First Quarter 2026 Loan Portfolio Presentation
GSBC
Published on 04/16/2026 at 01:12 pm EDT
April 2026
Great Southern Bancorp. Inc (NASDAQ: GSBC)
First Quarter Ended March 31, 2026
Loan Portfolio by Category
Gross Loans [in thousands]
3-31-26 $4,533,822 12-31-25 $4,434,516
Commercial Business
$180,182
4%
Const & Land Dev
$432,146 10%
Commercial Real Estate
$1,583,124 35%
Consumer*
$179,525 4%
Single Family Real Estate
$789,551 17%
Multi-family Real Estate
$1,369,294 30%
*Includes Home Equity Loans of $134,704 *Includes Home Equity Loans of $128,030
Great Southern Bancorp. Inc | 2
Loan Portfolio by Region
Gross Loans [in thousands]
3-31-26 $4,533,822 12-31-25 $4,434,516
Midwest Region
$286,114 6%
Florida
$193,313 4%
Phoenix
$127,006
Other Region
$134,508 3%
Southern Region
$330,945
7%
Kansas City
$232,330 5%
St. Louis
$747,154 17%
3% Texas - Other
$298,822 7%
Springfield
$384,159 8%
Chicago
$167,960 4%
Dallas
$206,677 5%
Missouri - Other
$237,936 5%
Georgia
$140,479 3%
Colorado - Other
$107,321 2%
Denver
$135,443 3%
Oklahoma
$110,964 2%
Minnesota
$304,665 7%
Iowa/Nebraska/ South Dakota
$388,026 9%
Great Southern Bancorp. Inc | 3
Commercial Real Estate by Industry
Gross Loans [in thousands]
3-31-26 $1,583,124
Storage
12-31-25 $1,556,148
$73,698
4%
Other
$106,647 7%
Retail
$292,420 18%
Industrial
$302,812 19%
Healthcare
$232,934 15%
Office Buildings
$169,657 11%
Restaurants
$93,218 6%
Motels / Hotels
$311,738
20%
Great Southern Bancorp. Inc | 4
Commercial Real Estate by Region
Gross Loans [in thousands]
3-31-26
$1,583,124
12-31-25
$1,556,148
Southern Region
$245,464 15%
Midwest Region
$158,238 10%
Texas
$139,391 9%
Other Region
$112,895 7%
Chicago
$154,507 10%
Kansas City
$91,980 6%
Minnesota
$70,653 4%
St. Louis
$278,916 18%
Springfield
$119,168 8%
Missouri - Other
$110,197 7%
Iowa/Nebraska/South Dakota
$101,715 6%
Great Southern Bancorp. Inc | 5
Commercial Real Estate Office and Retail (as of 3/31/26)
Gross Loans [in thousands]
3-31-26
$385,639
Other Region
Kansas City
$17,686
$16,826
5%
4%
3-31-26 $169,657
Southern Region
$5,544 3%
Midwest Region
$8,140 5%
Other Region
$2,573 2%
Kansas City
$9,154 5%
Denver
$15,177 9%
Chicago
$28,919 17%
St. Louis
$50,596 30%
Southern Region
$48,119 12%
Midwest Region
$69,447 18%
St. Louis
$107,733 28%
Minnesota
$11,929 7%
Oklahoma
Springfield
$20,213 12%
Denver
$11,094 3%
Chicago
$36,863
Missouri - Other
$44,472
Springfield
$17,298
$17,412
10%
10%
Minnesota
$15,731
12% Oklahoma 4%
Average credit size is $1,402,125
4%
Average credit size is $1,620,330
$370
0%
Great Southern Bancorp. Inc | 6
Commercial Real Estate Office and Retail (as of 3/31/26)
Medical
Traditional
Outstanding Balance
$21,036
$148,621
# of Loans
18
102
Avg. Loan Size
$1,107
$1,457
Weighted Avg. LTV
68%
45%
Strip Center
Single Tenant
Mixed-Use
Neighborhood & Shopping Center
Restaurants
Outstanding Balance
$161,338
$56,990
$21,840
$52,252
$93,219
# of Loans
61
71
13
10
80
Avg. Loan Size
$2,602
$803
$1,680
$5,225
$1,137
Weighted Avg. LTV
59%
51%
61%
52%
59%
Gross Loans [in thousands]
Office
$169,657
Retail + Restaurant
$385,639
Office: Non-owner Occ.
$130,195
>100,000
$90,972
20,000-100,000
$13,006
<20,000
$26,397
# of Loans
55
Avg. Loan Size
$2,367
Weighted Avg. LTV
44%
Owner Occupied
$18,426
# of Loans
47
Avg. Loan Size
$392
Weighted Avg. LTV
47%
100% of Office Portfolio - Pass Rated 100% of Retail Portfolio - Pass Rated
Great Southern Bancorp. Inc | 7
Construction & Land Development by Industry
Gross Loans [in thousands]
3-31-26
$432,146
12-31-25
$349,161
Storage
$4,055 1%
Other
$15,821 4%
Retail
$29,504 7%
Industrial
$33,395 8%
Single Family
$38,981
9%
Commercial Land Dev
$43,555 10%
Residential
Land Dev
$23,008 5%
Apartments
$243,827 56%
Great Southern Bancorp. Inc | 8
Construction & Land Development by Region
Gross Loans [in thousands]
3-31-26 $432,146 12-31-25 $349,161
Other Region
$34,813 8%
Southern Region
$77,754 18%
St. Louis
$44,792 10%
Missouri
- Other
$26,095 6%
Denver
$20,832
5%
Colorado - Other
$50,824 12%
Midwest Region
$86,895 20%
Texas -
Dallas
Georgia
$25,874 6%
Phoenix
$8,015 2%
Other
$35,119 8%
$21,133
5%
Great Southern Bancorp. Inc | 9
Multi Family Real Estate by Region
Gross Loans [in thousands]
3-31-26 $1,369,294 12-31-25 $1,387,410
Midwest Region
$81,442 6%
Other Region
$66,026
5%
Southern Region
$227,798 17%
Texas - Other
$188,326 14%
St. Louis
$72,294 5%
Missouri -Other
$97,652 7%
Iowa/Nebraska/ South Dakota
$178,149 13%
Minnesota
$151,654 11%
Georgia
$45,566 3%
Dallas
$99,132 7%
Denver
$77,826 6%
Colorado - Other
$36,186 3%
Oklahoma
$47,243 3%
Average credit size is $6,224,066 Average credit size is $6,041,746
Great Southern Bancorp. Inc | 10
Multi Family Real Estate by LTV
Gross Loans [in thousands]
$73,964
5%
$33,569
3%
$11,985
1%
26%-50%
$329,908 24%
51%-75%
$919,868
67%
3-31-26 $1,369,294 12-31-25 $1,387,410
76%-85%
86% and higher
25% or less
Great Southern Bancorp. Inc | 11
Non-Performing by Type
Gross Loans [in thousands]
3-31-26 $3,454
$26
1%
Single Family Real
Estate
$703 20%
Multifamily Real
Estate
$2,725 79%
Consumer*
*Includes Home Equity Loans of $17
12-31-25 $2,094
*Includes Home Equity Loans of $18
Great Southern Bancorp. Inc | 12
Non-Performing by Region
Gross Loans [in thousands]
3-31-26 $3,454 12-31-25 $2,094
$31 $5
1% 0%
Southern Region
$3 0%
Missouri
$303 9%
Iowa/Nebraska/
South Dakota
$3,112 90%
Midwest Region
Other Region
Great Southern Bancorp. Inc | 13
States by 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
Tennessee
Texas
Virginia
Washington DC
West Virginia
Great Southern Bancorp. Inc | 14
Great Southern Bancorp. Inc (NASDAQ: GSBC)
Kincade Ayers (616) 233-0500 - [email protected]
Investor Relations
Disclaimer
Great Southern Bancorp Inc. published this content on April 16, 2026, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on April 16, 2026 at 17:11 UTC.