Great Southern Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.10 percentage points between Q1 2026 and Q2 2026, to 3.72%. Great Southern Bank ranks 134th of 192 Missouri banks on net interest margin, in the lower half at 3.72% (Q2 2026). At 3.72%, Great Southern Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.40% |
| Yield on loans | 5.90% |
| Yield on securities | 3.09% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.82% |
| Cost of interest-bearing deposits | 2.44% |
| Cost of interest-bearing liabilities | 2.64% |
| Cost of borrowings | 3.75% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.72% |
| Yield to cost spread | 2.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $66.0M |
| Total interest expense | $22.6M |
| Interest expense on deposits | $17.9M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.54% | 2.02% | 3.56% | 5.99% | 2.98% |
| Q4 2023 | 5.61% | 2.21% | 3.44% | 6.05% | 3.05% |
| Q1 2024 | 5.65% | 2.29% | 3.40% | 6.11% | 2.98% |
| Q2 2024 | 5.84% | 2.40% | 3.50% | 6.35% | 3.12% |
| Q3 2024 | 5.91% | 2.49% | 3.50% | 6.48% | 3.20% |
| Q4 2024 | 5.77% | 2.27% | 3.58% | 6.31% | 3.15% |
| Q1 2025 | 5.67% | 2.22% | 3.60% | 6.17% | 3.27% |
| Q2 2025 | 5.76% | 2.21% | 3.73% | 6.27% | 3.26% |
| Q3 2025 | 5.70% | 2.08% | 3.70% | 6.28% | 3.06% |
| Q4 2025 | 5.47% | 1.87% | 3.70% | 6.02% | 3.09% |
| Q1 2026 | 5.28% | 1.80% | 3.62% | 5.80% | 3.03% |
| Q2 2026 | 5.40% | 1.82% | 3.72% | 5.90% | 3.09% |
Great Southern Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Great Southern Bank, freeSource: Call Report Schedules RI and RC-K, 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)