Great Southern Bank (Reeds Spring, MO): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Great Southern Bank is a community bank chartered in 1923, based in Reeds Spring, MO. On its most recent Q2 2026 call report, Great Southern reported $5.5B in total assets against $4.4B in deposits. Profitability is strong, 1.20% ROA, paired with 11.10% ROE and a 3.72% net interest margin. Capital cushions are healthy: 13.22% CET1, 11.25% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.09%. A 108-branch network serves customers across multiple states.
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 0.09%, a Texas ratio of 1.83%, per financial data filed with the FFIEC.
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)
- Offices
- 108 domestic
- 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 |
|---|---|---|
| Turner Joseph W | CEO | President/CEO |
| Copeland Rex A | TREAS | Treasurer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Great Southern Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Great Southern 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.22% | 1.20% | 0.09% | 1.83% | 3.72% |
| Q1 2026 | 12.91% | 1.31% | 0.14% | 1.92% | 3.62% |
| Q4 2025 | 12.97% | 1.23% | 0.11% | 1.62% | 3.70% |
| Q3 2025 | 13.38% | 1.30% | 0.10% | 1.52% | 3.70% |
| Q2 2025 | 13.11% | 1.46% | 0.10% | 1.58% | 3.73% |
| Q1 2025 | 12.66% | 1.28% | 0.13% | 1.80% | 3.60% |
| Q4 2024 | 12.61% | 1.12% | 0.13% | 1.84% | 3.58% |
| Q3 2024 | 12.93% | 1.23% | 0.21% | 1.50% | 3.50% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 105 branches →
| 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
What the public regulatory sources show for Great Southern Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 253 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Great Southern Bank headquartered?
Great Southern Bank is headquartered in Reeds Spring, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Great Southern Bank founded?
Great Southern Bank was established in 1923, per the FDIC institution directory.
Is Great Southern Bank FDIC-insured?
Yes. Great Southern Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Great Southern Bank's CET1 capital ratio?
Great Southern Bank 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?
Great Southern Bank 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?
Great Southern Bank's Texas Ratio is 1.83% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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