Great Southern Bancorp : First Quarter 2025 Loan Portfolio Presentation
GSBC
March 31, 2025
1
Loan Portfolio
Gross Loans [in thousands]
03-31-25
Commercial
Business $217,100
Const & Land 5%
Dev
$474,831
10%
Commercial
Real Estate
$1,489,309
31%
$4,768,235
Consumer*
$164,576
4%
Single Family
Real Estate
$829,949
17%
Multifamily
Real Estate
$1,592,470
33%
*Includes Home Equity Loans of $114,333
*Includes Home Equity Loans of $115,836
2
Loan Portfolio by Region
Gross Loans [in thousands]
03-31-25 $4,768,235
Other Region
$116,663
2%
Midwest Region
$248,570
Southern Region
Kansas City
5%
$389,465
$228,661
Florida
9%
5%
St. Louis
$158,748
3%
$771,765
Phoenix
16%
$135,335
3%
Texas - Other
Springfield
$366,734
$366,548
8%
8%
Missouri - Other
Dallas
$245,749
$247,555
5%
5%
Iowa/Nebraska
/South Dakota
Minnesota
$388,611
Chicago
8%
$353,387
$157,354
Georgia
3%
Colorado -
8%
$145,112
Denver
Oklahoma
3%
Other
$166,326
$150,703
$130,949
3%
3%
3%
3
Commercial Real Estate by Industry
Gross Loans [in thousands]
03-31-25
Storage $58,403
4% Other $81,059
5%
Industrial $270,844 18%
Office
Buildings $176,785 12%
Restaurants
$105,926
7%
$1,489,309
Retail
$275,725
19%
Healthcare
$268,101
18%
Motels /
Hotels
$252,466
17%
4
Commercial Real Estate by Region
Gross Loans [in thousands]
03-31-25$1,489,309
Other RegionKansas City
$98,214
$113,010
7%
Southern
8%
Region
$206,931
St. Louis
14%
$264,899
18%
Midwest Region
$148,149
10%
Springfield
$97,273
Texas
6%
$109,693
Missouri - Other
7%
$109,936
7%
Chicago
Iowa/Nebraska/
$143,727
Minnesota
South Dakota
10%
$93,565
$103,912
6%
7%
5
Commercial Real Estate Office and Retail
All Data as of 03/31/25
Gross Loans [in thousands]
Office
Southern Region
Midwest $5,912
Region 3% $9,159
5%
Denver $13,512 8%
Chicago $29,652 17%
Minnesota
$12,473
7% Oklahoma $17,986
10%
$176,785
Other Region
$1,993
1%
Kansas City
$10,937
6%
St. Louis $55,474 32%
Springfield
$19,687
11%
Retail +
$381,650
Restaurant
Other Region
19,909
5%
Kansas City 18,827 5%
Southern
Region 64,774
17%St. Louis
94,283
25%
Midwest Region 60,332
16%
Springfield
15,581
4%
Chicago
Missouri - Other
41,965
27,165
Minnesota
11%
7%
27,232
Denver
7%
Oklahoma
11,189
393
3%
0%
Average credit size is $1,403,058
Average credit size is $1,514,484
6
Commercial Real Estate Office and Retail
All Data as of 03/31/25
Gross Loans [in thousands]
Office - $176,785
Medical Traditional
Retail + Restaurant - $381,650
Neighborhood
Outstanding
Balance
$22,717
# of Loans
18
Avg. Loan Size
$1,196
Weighted Avg.
LTV
67%
100% of Office Portfolio - Pass Rated
$154,068
107
$1,440
Owner Occupied
$18,708
# of Loans
50
Avg. Loan Size
$374
Weighted Avg. LTV
46%
Other Office Sq. Ft.
>100,000
$83,959
20,000-100,000
$23,929
<20,000
$27,472
# of Loans
57
Avg. Loan Size
$2,375
Weighted Avg. LTV
43%
Strip
Single
Mixed-
& Shopping
Center
Tenant
Use
Center
Restaurants
Outstanding
$116,387
$68,648
$20,868
$69,821
$105,925
Balance
# of Loans
57
78
14
14
86
Avg. Loan
$2,007
$880
$1,491
$4,987
$1,204
Size
Weighted
57%
50%
60%
51%
58%
Avg. LTV
100% of Retail Portfolio - Pass Rated
7
Construction & Land Development by Industry
Gross Loans [in thousands]
03-31-25$474,831
Other
$59,964
13%
Storage $23,625 5%
Industrial
$38,443
8%
Retail
$40,614
9%
Commercial Land
Dev
$39,134
8%
Residential Land
Dev
$25,289
5%
Single
Family
$28,789
6%
Apartments
$218,973
46%
8
Construction & Land Development by Region
Gross Loans [in thousands]
03-31-25$474,831
Other Region
$8,633
2%
Southern Region
$61,629
13%
Midwest Region
$46,355
10%
Phoenix $51,192 11%
Texas - Other
$69,723
14%
St. Louis $56,444 12%
Dallas
$33,227
7%
Missouri - Other
$27,658
6%
Denver $22,796 5%
Colorado - Other
$71,149
15%
Georgia $26,025 5%
9
Multi Family Real Estate by Region
Gross Loans [in thousands]
03-31-25
Other Region
$44,667
3%
Southern Region
$263,889
17%
Midwest Region
$51,445
3%
Texas - Other
$221,623
14%
Dallas
$158,640
10%
$1,592,470
Missouri - Other
$78,672
St. Louis5% $89,019
6%
Iowa/Nebraska/
South Dakota
$195,467
12%
Minnesota
$178,364
11%
Oklahoma
Denver
$71,686
Georgia
$91,966
4%
$69,246
6%
4%
Colorado - Other
$77,786
5%
Average credit size is $6,499,277
Average credit size is $6,246,971
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Disclaimer
Great Southern Bancorp Inc. published this content on April 16, 2025, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on April 16, 2025 at 20:39 UTC.