Great Southern Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Great Southern Bank of Reeds Spring, MO against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.20% | 1.44% | -0.24% | 44th below |
| ROAE | 11.10% | 12.51% | -1.41% | 42nd below |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.72% | 3.84% | -0.12% | 51st above |
| Efficiency Ratio | 65.05% | 58.86% | +6.19% | 31st below |
| PPNR / Avg Assets | 1.42% | 1.78% | -0.36% | 32nd below |
| Yield on Earning Assets | 5.40% | 5.71% | -0.31% | 42nd below |
| Cost of Funds | 1.82% | 2.03% | -0.21% | 60th above |
| Net Interest Spread | 2.76% | 3.18% | -0.42% | 31st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.97% | -0.88% | 90th top |
| NPA / Total Assets | 0.22% | 0.75% | -0.53% | 74th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.31% | -0.24% | 35th below |
| ACL / Total Loans | 1.46% | 1.25% | +0.21% | 84th top |
| ACL / NPLs (Coverage) | 1701.65% | 697.73% | +1003.92% | — |
| Texas Ratio | 1.83% | 7.17% | -5.34% | 79th top |
| Provision / NCO | 0.00% | 815.61% | -815.61% | 10th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.22% | 17.41% | -4.19% | 45th below |
| Tier 1 Ratio | 13.22% | 17.45% | -4.23% | 45th below |
| Total Capital Ratio | 14.47% | 18.50% | -4.03% | 47th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.25% | 11.60% | -0.35% | 65th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.99% | 11.33% | -0.34% | 60th above |
| TCE / Tangible Assets | 10.83% | 10.65% | +0.18% | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.07% | 86.34% | +13.73% | 18th bottom |
| Core Deposit Ratio | 84.37% | 85.56% | -1.19% | 32nd below |
| Uninsured Deposit Ratio | 38.24% | 32.70% | +5.54% | 32nd below |
| Wholesale Funding Ratio | 8.78% | 5.45% | +3.33% | 20th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.66% | 10.47% | -16.13% | 3rd bottom |
| Loan Growth (Y/Y) | -4.89% | 8.01% | -12.90% | 6th bottom |
| Deposit Growth (Y/Y) | -7.18% | 8.00% | -15.18% | 2nd bottom |
See Great Southern Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Great Southern Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Great Southern Bank profile, how to read a UBPR, or how this data updates.