Great Southern Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 2.49 percentage points in Q2 2026, from 60.02% to 57.53%. It was the largest change from Q1 2026 among the key lines here. Great Southern Bank has the 5th lowest loan-to-deposit ratio of the 57 banks headquartered in Mississippi, at 46.06% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Great Southern Bank sits 34.78 points lower, at 46.06% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $143.7M |
| Net loans and leases | $142.8M |
| Loans held for sale | $0 |
| Loans to total assets | 40.46% |
| Loan-to-deposit ratio | 46.06% |
| Net loans to equity capital | 5.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.84% |
| Multifamily (5+ residential) | 2.77% |
| Commercial and industrial | 12.30% |
| Consumer | 18.03% |
| Credit cards | 0.00% |
| Farm | 4.91% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.57% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 57.53% |
| Construction concentration (Tier 1 capital + allowance) | 15.79% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.79% |
| Interest income on loans | $2.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $145.4M | $318.2M | 17.61% | 11.72% | 21.61% |
| Q4 2023 | $148.5M | $314.8M | 16.89% | 11.46% | 21.40% |
| Q1 2024 | $144.8M | $317.8M | 16.87% | 11.47% | 20.36% |
| Q2 2024 | $141.0M | $311.7M | 16.50% | 10.55% | 21.05% |
| Q3 2024 | $141.0M | $309.9M | 15.66% | 11.17% | 21.03% |
| Q4 2024 | $133.9M | $306.5M | 15.96% | 11.80% | 16.26% |
| Q1 2025 | $134.3M | $314.9M | 15.53% | 11.65% | 15.96% |
| Q2 2025 | $138.4M | $307.7M | 15.06% | 12.56% | 15.86% |
| Q3 2025 | $142.4M | $303.1M | 15.27% | 14.33% | 16.23% |
| Q4 2025 | $145.1M | $303.0M | 14.33% | 15.27% | 16.50% |
| Q1 2026 | $144.8M | $310.1M | 14.96% | 13.36% | 17.53% |
| Q2 2026 | $143.7M | $312.0M | 13.84% | 12.30% | 18.03% |
Great Southern Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Great Southern Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Great Southern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8552) · FFIEC NIC profile (RSSD 101738)