Great Southern Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 7.3% to -$37.7M. Great Southern Bank ranks 53rd of 98 Missouri banks on CET1 ratio, in the lower half at 13.22% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio; Great Southern Bank reported 13.22% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.22% |
| Tier 1 risk-based capital ratio | 13.22% |
| Total risk-based capital ratio | 14.47% |
| Tier 1 leverage ratio | 11.25% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $630.0M |
| Tier 1 capital | $630.0M |
| Total risk-based capital | $689.7M |
| Total equity capital | $607.1M |
| Risk-weighted assets | $4.77B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.99% |
| Tangible equity to tangible assets | 10.83% |
| Equity capital to average assets | 10.81% |
| Internal capital growth rate | -0.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $8.0M |
| Common stock surplus | $115.0M |
| Retained earnings | $521.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$37.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.74% | 12.74% | 13.98% | 11.67% | $5.22B |
| Q4 2023 | 13.07% | 13.07% | 14.32% | 11.57% | $5.08B |
| Q1 2024 | 13.00% | 13.00% | 14.26% | 11.50% | $5.08B |
| Q2 2024 | 12.98% | 12.98% | 14.23% | 11.43% | $5.13B |
| Q3 2024 | 12.93% | 12.93% | 14.18% | 11.17% | $5.13B |
| Q4 2024 | 12.61% | 12.61% | 13.86% | 11.03% | $5.24B |
| Q1 2025 | 12.66% | 12.66% | 13.91% | 11.08% | $5.21B |
| Q2 2025 | 13.11% | 13.11% | 14.36% | 11.19% | $5.04B |
| Q3 2025 | 13.38% | 13.38% | 14.63% | 11.50% | $4.95B |
| Q4 2025 | 12.97% | 12.97% | 14.23% | 11.23% | $4.85B |
| Q1 2026 | 12.91% | 12.91% | 14.16% | 11.24% | $4.89B |
| Q2 2026 | 13.22% | 13.22% | 14.47% | 11.25% | $4.77B |
Great Southern Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Great Southern Bank, freeSource: Call Report Schedule RC-R, 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 29546) · FFIEC NIC profile (RSSD 572374)