Great Southern Bank (Reeds Spring, MO)
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Data as of · sourced from FFIEC call reports. How we update
Great Southern Bank is an FDIC-insured commercial bank headquartered in Reeds Spring, MO, established in 1923 (FDIC certificate 29546), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $5.53B, down 5.7% from Q2 2025, the 8th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 13.22% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29546
- Headquarters
- Reeds Spring, MO
- Established
- 1923
- Total assets, Q2 2026
- $5.53B
- Assets vs Q2 2025
- -5.7%
- CET1 ratio, Q2 2026
- 13.22%
- Domestic offices
- 108 FDIC institution directory, current count
- Routing number
- 286573322
- Latest call report
- Q2 2026, FFIEC 041 · Great Southern Bank call report
- Holding company
- GREAT SOUTHERN BANCORP, INC.
- Asset rank in state
- 8th of 191 in Missouri
Great Southern Bank leans heavily on commercial real estate. The Reeds Spring, Missouri bank had $5.5 billion in assets at June 30, 2026, down 5.7% from a year earlier. It holds commercial real estate loans worth 4.4 times its capital, about double the median of 2.2 times for the 895 banks with $1 billion to $10 billion in assets. It also shrank its loan book 4.9% over the year, lower than about 9 in 10 banks its size (median 5.9%).
Net income for the quarter slipped 22% from a year earlier, to $17 million.
As of June 30, 2026, Great Southern Bank reported a CET1 capital ratio of 13.22%, a return on assets of 1.20%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 1.42%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Great Southern Bank is the 8th largest of the 191 banks headquartered in Missouri. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.9% to $5.53B, loans fell 3.3% and deposits fell 2.9%. Its loan book on June 30, 2026 was led by multifamily loans, at 30.8% of total loans, followed by non-owner-occupied commercial real estate loans at 29.5%. Its 105 offices in the FDIC Summary of Deposits are in 69 cities across 7 states; its Springfield 13 offices book 42% of its branch deposits. By the capital ratios in its Q2 2026 call report, Great Southern Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 14309 State Highway 13, Reeds Spring, MO 65737
- County
- Stone
- Metro Area
- Springfield, MO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1923
- Former names
- Great Southern Bank, FSB (1994-1998); Great Southern Savings Bank (1990-1994)
- Domestic offices
- 108 FDIC institution directory, current count
- Employees (FTE)
- 950
- Domestic deposits
- $4.38B
- Allowance for credit losses
- $64.0M
- Net charge-offs (YTD)
- $806K
- Average total assets
- $5.62B
- Average total loans
- $4.47B
- Average interest-bearing deposits
- $2.94B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29546
- Fed RSSD
- 572374
- SEC CIK
- 854560 → filed by GREAT SOUTHERN BANCORP, INC.
- Website
- www.greatsouthernbank.com →
- Parent Holding Company
- GREAT SOUTHERN BANCORP, INC. (RSSD 2339133) · GSBC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Joseph W Turner | CEO | President/CEO |
| Rex A Copeland | TREAS | Treasurer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Great Southern Bank's total assets ran between $5.53B (Q2 2026) and $6.04B (Q3 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$5.53B total assets against $5.86B; $4.92B total liabilities against $5.23B.
$4.32B net loans and leases against $4.54B; $4.38B total deposits against $4.71B.
$679.1M securities against $710.6M; $184.4M cash and balances due against $249.7M.
$72.8M total interest income against $81.3M; $22.6M total interest expense against $28.7M.
$50.2M net interest income against $52.6M.
$7.3M total noninterest income against $8.3M; $37.6M total noninterest expense against $34.5M.
$8K provision for credit losses against -$110K.
$16.9M net income against $21.6M.
1.20% return on assets against 1.46%; 3.72% net interest margin against 3.73%.
13.22% CET1 capital ratio against 13.11%; 11.25% tier 1 leverage ratio against 11.19%.
Inside the full Great Southern Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Great Southern Bank rankings
Its closest position to the top of a national ranking is 259 of 4,196, for total assets; its furthest is 2,500 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.12% (Q4 2024) to 1.46% (Q2 2025) and its net interest margin ran from 3.50% (Q3 2024) to 3.73% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.22% | 1.20% | 0.02% | 1.42% | 3.72% |
| Q1 2026 | 12.91% | 1.31% | 0.08% | 1.51% | 3.62% |
| Q4 2025 | 12.97% | 1.23% | 0.05% | 1.22% | 3.70% |
| Q3 2025 | 13.38% | 1.30% | 0.04% | 1.12% | 3.70% |
| Q2 2025 | 13.11% | 1.46% | 0.04% | 1.18% | 3.73% |
| Q1 2025 | 12.66% | 1.28% | 0.07% | 1.40% | 3.60% |
| Q4 2024 | 12.61% | 1.12% | 0.08% | 1.42% | 3.58% |
| Q3 2024 | 12.93% | 1.23% | 0.16% | 1.10% | 3.50% |
Swipe the table sideways to see every column.
Branch Network
View all 105 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Springfield Branch | Springfield , MO | 65802 | $1.01B |
| Reeds Spring Branch | Springfield , MO | 65804 | $359.8M |
| Vantus Bank Branch | Sioux City , IA | 51101 | $97.7M |
| 1907 First Avenue East Branch | Newton , IA | 50208 | $96.2M |
| 2631 E Sunshine Branch | Springfield , MO | 65804 | $75.9M |
| Great Southern Bank (main office) | Des Peres , MO | 63131 | $75.6M |
| Brentwood Branch | Saint Louis , MO | 63144 | $71.1M |
| Great Southern Bank (main office) | Springfield , MO | 65807 | $61.1M |
| Paola Branch | Paola , KS | 66071 | $60.6M |
| 1805 West Kearney Branch | Springfield , MO | 65803 | $59.5M |
| Overland Park Branch | Overland Park , KS | 66211 | $54.8M |
| West Mount Vernon Branch | Nixa , MO | 65714 | $54.2M |
| Nevada Branch | Nevada , MO | 64772 | $54.2M |
| Ava Branch | Ava , MO | 65608 | $53.8M |
| Lakeville Branch | Lakeville , MN | 55044 | $51.7M |
| Glenstone Branch | Springfield , MO | 65803 | $51.4M |
| Singing Hills Branch | Sioux City , IA | 51106 | $50.8M |
| 4211 Morningside Avenue Branch | Sioux City , IA | 51106 | $50.6M |
| Great Southern Bank - Lee's Summit Branch | Lees Summit , MO | 64081 | $47.8M |
| 110 W Hensley Branch | Branson , MO | 65616 | $47.2M |
| Springfield Battlefield Branch | Springfield , MO | 65807 | $46.8M |
| East Main Branch | Neosho , MO | 64850 | $46.5M |
| 331 South Ave Branch | Springfield , MO | 65806 | $45.6M |
| Great Southern Bank (main office) | Creve Coeur , MO | 63141 | $45.1M |
| Greenfield Drive-In Facility Branch | Greenfield , MO | 65661 | $44.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 21, 2014 | Structure Change | Acquired Valley Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 20, 2014 | Merger | Participated in FDIC Assisted Merger | FDIC |
| April 28, 2012 | Structure Change | Acquired Inter Savings Bank, Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 27, 2012 | Merger | Participated in FDIC Assisted Merger | FDIC |
| October 8, 2011 | Structure Change | Acquired Sun Security Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 7, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| May 17, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 5, 2009 | Structure Change | Acquired Vantus Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 4, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| March 21, 2009 | Structure Change | Acquired Teambank, N.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 20, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| July 31, 1982 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 1981 | Structure Change | Acquired Ozark Building and Loan Association of Ozark Missouri Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 13 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action February 8, 1996. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.2% of deposits in MO, rank 15 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,954 applications, 1,311 loans originated, $383.2M originated, across 30 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $2.8M approved, $920K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Great Southern Bank
What are Great Southern Bank's total assets?
As of the Q2 2026 filing, Great Southern Bank reported total assets of $5.53 billion in its FFIEC call report.
Where is Great Southern Bank headquartered?
It is headquartered in Reeds Spring, MO, United States.
When was Great Southern Bank founded?
It was established in 1923, per the FDIC institution directory.
Is Great Southern Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #29546). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Great Southern Bank?
Great Southern Bank's primary federal regulator is the FDIC.
What is Great Southern Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.22% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Great Southern Bank operate?
It operates 108 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Great Southern Bank's Texas Ratio?
Its Texas Ratio is 1.42% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Great Southern Bank previously called?
The charter now named Great Southern Bank has also operated as Great Southern Bank, FSB (1994-1998), Great Southern Savings Bank (1990-1994), per FDIC structure-change records.
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