Form 8-K

8-K — GREAT SOUTHERN BANCORP, INC.

Accession: 0001171843-26-002510

Filed: 2026-04-16

Period: 2026-04-15

CIK: 0000854560

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — f8k_041526.htm (Primary)

EX-99.1 — PRESS RELEASE (exh_991.htm)

EX-99.2 — EXHIBIT 99.2 (exh_992.htm)

EX-99.3 — EXHIBIT 99.3 (exh_993.htm)

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8-K — FORM 8-K

8-K (Primary)

Filename: f8k_041526.htm · Sequence: 1

Form 8-K

False000085456000008545602026-04-152026-04-15iso4217:USDxbrli:sharesiso4217:USDxbrli:shares

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

_________________

FORM 8-K

_________________

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): April 15, 2026

_______________________________

GREAT SOUTHERN BANCORP, INC.

(Exact name of registrant as specified in its charter)

_______________________________

Maryland 0-18082 43-1524856

(State or Other Jurisdiction of Incorporation) (Commission File Number) (I.R.S. Employer Identification No.)

1451 East Battlefield

Springfield, Missouri 65804

(Address of Principal Executive Offices) (Zip Code)

(417) 887-4400

(Registrant's telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)

_______________________________

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading Symbol(s) Name of each exchange on which registered

Common Stock, par value $0.01 per share GSBC The NASDAQ Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition.

On April 15, 2026, Great Southern Bancorp, Inc. issued a press release reporting preliminary financial results for the quarter ended March 31, 2026. A copy of the press release, including unaudited financial information released as a part thereof, is attached as Exhibit 99.1 to this Current Report on Form 8-K and incorporated herein by reference.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits

Exhibit Number Description

99.1 Press Release dated April 15, 2026

99.2 Earnings Presentation

99.3 Loan Portfolio

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

GREAT SOUTHERN BANCORP, INC.

Date: April 15, 2026 By: /s/ Joseph W. Turner

Joseph W. Turner

President and Chief Executive Officer

EX-99.1 — PRESS RELEASE

EX-99.1

Filename: exh_991.htm · Sequence: 2

EdgarFiling

EXHIBIT 99.1

Great Southern Bancorp, Inc. Reports Preliminary First Quarter Earnings

of $1.58 Per Diluted Common Share

Preliminary Financial Results and Business Update for the Quarter Ended March 31, 2026

SPRINGFIELD, Mo., April 15, 2026 (GLOBE NEWSWIRE) -- Great Southern Bancorp, Inc. (the “Company”) (NASDAQ:GSBC),

the holding company for Great Southern Bank (the “Bank”), today reported that preliminary earnings for the three months ended

March 31, 2026, were $1.58 per diluted common share ($17.5 million net income) compared to $1.47 per diluted common share ($17.2 million

net income) for the three months ended March 31, 2025.

For the quarter ended March 31, 2026, annualized return on average common equity was 10.85%, annualized return on average assets was

1.24%, and annualized net interest margin was 3.71%, compared to 11.30%, 1.15% and 3.57%, respectively, for the quarter ended March 31,

2025.

Key Results:

Net Interest Income: Net interest income for the first quarter of 2026 decreased $1.0 million

(or approximately 2.0%) to $48.3 million compared to $49.3 million for the first quarter of 2025, largely driven by the completion of

accounting recognition in October 2025 of interest income from a previously terminated interest rate swap. This was partially offset by

lower interest expense on deposit accounts and other borrowings. Annualized net interest margin was 3.71% for the quarter ended March

31, 2026, compared to 3.57% for the quarter ended March 31, 2025, and 3.70% for the quarter ended December 31, 2025.

Asset Quality: Non-performing assets and potential problem loans totaled $11.3 million at

March 31, 2026, an increase of $1.8 million from $9.5 million at December 31, 2025. At March 31, 2026, non-performing assets were $10.1

million (0.18% of total assets), an increase of $2.0 million from $8.1 million (0.15% of total assets) at December 31, 2025. See “Asset

Quality” below.

Liquidity: The Company had secured borrowing line availability at the FHLBank and Federal

Reserve Bank of $1.24 billion and $332.1 million, respectively, at March 31, 2026.

Capital: The Company’s capital position remained strong as of March 31, 2026, significantly

exceeding the “well-capitalized” thresholds established by regulatory agencies. See “Capital” below.

Loans: Total net loans, excluding mortgage loans held for sale, increased $99.8 million,

or 2.3%, from $4.36 billion at December 31, 2025 to $4.46 billion at March 31, 2026. This increase was primarily driven by increases in

construction loans and commercial real estate loans, partially offset by decreases in other residential (multi-family) loans. The Bank

experienced a decreased amount of loan payoffs in the 2026 first quarter compared to recent quarters.

Certain Income and Expense Items Impacting First Quarter 2026 Results: During the three months

ended March 31, 2026, there were certain income and expense items that impacted the Company’s results of operations in a positive

manner.

Interest income on loans increased $483,000 due to collection of unbooked interest on three different relationships. Two of these

relationships have recently provided interest payments generally semi-annually, but we do not have assurances of future payments or amounts

if payments are made.

Other non-interest income increased $421,000 due to fees received on the origination of a loan with an interest rate swap included

in the transaction and an unrelated payment received upon the Company’s exit from a tax credit limited partnership. These types

of fees and payments occur sporadically as part of our operations.

Advertising expense decreased $453,000 due to an annual reimbursement of qualifying expenses related to our debit card program. This

reimbursement generally occurs in the first quarter of each year and the amount varies based upon the level of qualifying expenses. For

comparison, an annual reimbursement of $433,000 was received in the 2025 first quarter.

Legal and professional fees decreased $261,000 due to an insurance reimbursement of legal fees that had been expensed in prior periods

related to a loan foreclosure.

Selected Financial Data:

Three

Months Ended

March 31,

December 31,

2026

2025

(Dollars in thousands, except per share

data)

Net interest income

48,328

49,334

49,163

Provision (credit) for credit losses on loans and unfunded commitments

(931

)

(348

)

882

Non-interest income

7,029

6,590

7,188

Non-interest expense

34,792

34,822

36,000

Provision for income taxes

4,020

4,290

3,194

Net income

17,476

17,160

16,275

Earnings per diluted common share

1.58

1.47

1.45

Joseph W. Turner, President and CEO of Great Southern, commented, “Our first-quarter 2026 results reflect a solid start

to the year, driven by disciplined execution across the business. Throughout the quarter, we remained committed to the fundamentals that

have supported our performance over time, including careful balance sheet management, sound credit and expense discipline, and thoughtful

capital allocation. We reported net income of $17.5 million, or $1.58 per diluted common share, compared to $17.2 million, or $1.47 per

diluted common share, in the first quarter of 2025.”

Turner noted, “Underlying performance remained strong in the quarter. We did have a few income and expense items, which we separately

noted above, that impacted the Company’s results in a positive manner. Net interest income was $48.3 million, reflecting a continued

focus on both asset pricing and funding costs, alongside the successful management of our earning asset base. This diligence partially

mitigated the absence of income from a previously terminated interest rate swap, which contributed $2.0 million of net interest income

in the first quarter of 2025. Though we continue to focus on net interest income growth, credit and pricing discipline may serve as governors

given our prioritization of long-term stockholder returns over near-term earnings.”

Turner added, “Loan balances increased during the quarter, supported primarily by growth in construction and commercial real

estate lending, as payoff activity moderated from higher levels in recent quarters. While this balance sheet growth supported earnings

in the quarter, period-to-period loan trends are influenced significantly by loan repayments from our borrowers. As such, we remain committed

to measured loan origination with disciplined underwriting throughout the quarter. On the funding side, deposit balances remained stable

in the first quarter of 2026, particularly within our non-maturity deposit products. Reflecting loan growth and the maturity of certain

retail time deposits, wholesale funding increased as part of our broader liquidity management strategy.

Turner stated, “From a credit standpoint, we remain mindful of the volatility and macroeconomic challenges affecting our borrowers.

We have seen isolated examples of multi-family projects where actual lease-up activities have been slower than initial projections, and

we monitor these projects closely. While asset quality metrics in the first quarter of 2026 remained very strong, with low levels of delinquencies,

few non-performing assets and virtually no net charge-offs, we continue to review both anecdotal and empirical information underscoring

the importance of ongoing credit monitoring and oversight.”

Turner further commented, “Operating discipline also remained an important contributor to quarterly performance. Non-interest

expense totaled $34.8 million, as we continued to manage costs carefully while also investing in technology, infrastructure, and personnel

to support the long-term capabilities of the franchise. Our overall expense levels in the first quarter of 2026 also benefited from certain

reimbursements, which we noted. We expect that non-interest expense will increase a bit in the remainder of 2026 as we implement various

technology initiatives and advancements. Non-interest income was $7.0 million, supported by recurring fee-based revenue streams and customer

activity across the Bank.”

Turner continued, “Our capital and liquidity positions remained strong at quarter-end. Tangible common equity was 10.99% of tangible

assets, and book value per common share increased to $58.27. Regulatory capital levels significantly exceed “well-capitalized”

thresholds. We continued to return capital through the repurchase of approximately 269,000 shares of common stock during the first quarter.”

“We believe Great Southern entered 2026 in a position of strength, and our priorities remain consistent: maintain strong credit

quality, manage funding and expenses carefully, and continue building long-term value for our stockholders through disciplined execution

and sound risk management,” Turner concluded.

NET INTEREST INCOME

Three

Months Ended

March

31,

March

31,

December

31,

2026

2025

(Dollars in thousands)

Interest Income

71,165

80,243

73,435

Interest Expense

22,837

30,909

24,272

Net Interest Income

48,328

49,334

49,163

Net interest margin

3.71

3.57

3.70

Average interest-earning assets to average interest-bearing liabilities

128.8

125.5

129.5

Net interest income for the first quarter of 2026 decreased $1.0 million (2.0%) to $48.3 million, compared to $49.3 million for

the first quarter of 2025. This decrease was driven primarily by the $2.0 million net reduction in quarterly interest income associated

with a previously terminated interest rate swap (income ended on October 6, 2025). Additionally, compared to the year-ago quarter, interest

income declined due to lower loan balances and lower market rates, which primarily impacted the interest rates on variable-rate loans

and new originations of fixed-rate loans. Mostly offsetting the decrease in interest income was reduced interest expense, due to the strategic

management of maturing/repricing brokered deposits and interest-bearing demand deposits. Also, there was no interest expense on subordinated

notes in the quarter ended March 31, 2026, as those notes were redeemed in June 2025. Correspondingly, annualized net interest margin

was 3.71% in the first quarter of 2026, compared to 3.57% in the same period of 2025 and 3.70% in the fourth quarter of 2025. The average

interest rate spread was 3.20% for the three months ended March 31, 2026, compared to 3.00% for the three months ended March 31, 2025

and 3.16% for the three months ended December 31, 2025.

The average yield on total interest-earning assets decreased from 5.81% in the 2025 first quarter to 5.46% in the 2026 first quarter,

with the average yield on loans decreasing 37 basis points, the average yield on investment securities decreasing 12 basis points and

the average yield on other interest earning assets (primarily funds held at the Federal Reserve Bank) decreasing 73 basis points. The

average rate paid on total interest-bearing liabilities decreased from 2.81% in the 2025 first quarter to 2.26% in the 2026 first quarter,

with the average rate paid on interest-bearing demand and savings deposits, time deposits and brokered deposits decreasing 21 basis points,

52 basis points and 70 basis points, respectively. The average rate paid on short-term borrowings decreased 67 basis points.

Market interest rates, primarily the federal funds rate and SOFR rates, declined in the fourth quarter of 2025, and remained lower

through the first quarter of 2026. There were no federal funds rate cuts in the first quarter of 2026, but there were federal funds rate

cuts in September, October, and December of 2025, totaling 75 basis points. This market rate decline reduced the average yield on loans,

though the impact was tempered as cash flows from lower-rate fixed rate loans originated a few years ago were deployed into residential

and commercial real estate loans with comparably higher rates of interest. The decline in market interest rates also resulted in lower

average rates paid on deposits and borrowings, compared to the prior-year first quarter and the fourth quarter of 2025.

To mitigate exposure to the risk of fluctuations in future cash flows resulting from changes in interest rates (primarily related to

falling interest rates), the Company has strategically utilized derivative financial instruments - primarily interest rate swaps - as

part of its interest rate risk management strategy.

The following table presents, for the periods indicated, the effect of cash flow hedge accounting included in interest income in the

consolidated statements of income:

Three

Months Ended

March

31,

March

31,

December

31,

2026

2025

(In thousands)

Terminated interest rate swaps

—

2,003

134

Active interest rate swaps

(1,031

)

(1,742

)

(1,364

)

Increase (decrease) to interest income

(1,031

)

261

(1,230

)

The Company entered into an interest rate swap in October 2018, which was terminated in March 2020. Upon termination, the Company

received $45.9 million, inclusive of accrued but unpaid interest, from its swap counterparty. The net amount, after deducting accrued

interest and deferred income taxes, was accreted to interest income on loans monthly until the originally scheduled termination date of

October 6, 2025. With this date having passed, the Company no longer has the benefit of that income from the terminated swap. At March

31, 2026, the Company had two active interest rate swaps with a combined notional amount of $400 million. These swaps resulted in a reduction

of interest income of $1.0 million and $1.7 million in the three months ended March 31, 2026 and 2025, respectively.

Market rates for time deposits for much of 2024 were elevated but have declined as the FOMC cut the federal funds rate by 100 basis

points in late 2024, 25 basis points in the third quarter of 2025 and 50 basis points in the fourth quarter of 2025. As of March 31, 2026,

time deposit maturities (including brokered time deposits) over the next 12 months were as follows: within three months — $647.0

million, with a weighted-average rate of 3.48%; within three to six months — $338.5 million, with a weighted-average rate of 3.04%;

and within six to twelve months — $29.2 million, with a weighted-average rate of 1.41%. Based on time deposit market rates in March

2026, replacement rates for maturing time deposits originated through our retail branch system are likely to be approximately 2.70-3.10%,

depending on term. Brokered time deposit rates were generally at or above 3.75% in March 2026.

NON-INTEREST INCOME

For the quarter ended March 31, 2026, non-interest income increased $439,000, to $7.0 million, when compared to the quarter ended March

31, 2025, primarily as a result of the following item:

Commissions: Commissions income increased $353,000, or 134.7%, from the prior-year quarter. The increase was due to annuity

sales that were approximately 160% higher in the 2026 period compared to the 2025 period.

NON-INTEREST EXPENSE

For the quarter ended March 31, 2026, non-interest expense decreased $30,000, to $34.8 million, when compared to the quarter ended

March 31, 2025, primarily as a result of the following items:

Legal, audit and other professional fees: Legal, audit and other professional fees decreased $348,000 from the prior-year quarter,

to $690,000. In the quarter ended March 31, 2026, the Company recovered a total of $261,000 in legal fees, pursuant to an insurance reimbursement,

related to a multi-family residential loan that had previously been expensed with no such expense recoveries in the quarter ended March

31, 2025.

Net occupancy and equipment expenses: Net occupancy and equipment expenses increased $331,000, or 3.9%, from the prior-year

quarter. Various components of computer license and support expenses, related to upgrades of core systems capabilities and disaster recovery

site, collectively increased by $339,000 in the first quarter of 2026 compared to the first quarter of 2025.

The Company’s efficiency ratio for the quarter ended March 31, 2026, was 62.85% compared to 62.27% for the same quarter in 2025.

The Company’s ratio of non-interest expense to average assets was 2.47% for the three months ended March 31, 2026, compared to 2.34%

for the three months ended March 31, 2025. Average assets for the three months ended March 31, 2026, decreased $332.9 million, or 5.6%,

compared to the three months ended March 31, 2025, primarily due to the decline in the average balance of net loans.

INCOME TAXES

For the three months ended March 31, 2026 and 2025, the Company's effective tax rate was 18.7% and 20.0%, respectively. These effective

rates were below the statutory federal tax rate of 21.0%, due primarily to the utilization of certain investment tax credits and the Company’s

tax-exempt investments and tax-exempt loans, which reduced the Company’s effective tax rate. The Company’s effective tax rate

may fluctuate in future periods as it is impacted by the level and timing of the Company’s utilization of tax credits, the level

of tax-exempt investments and loans, the amount of taxable income in various state jurisdictions and the overall level of pre-tax income.

State tax expense estimates continually evolve as taxable income and apportionment between states are analyzed. The Company currently

expects its effective tax rate (combined federal and state) will be approximately 18.5% to 19.5% in future periods.

CAPITAL

March 31,

December 31,

2026

2025

Consolidated Regulatory Capital Ratios

(Preliminary)

Tier 1 Leverage Ratio

12.2

Common Equity Tier 1 Capital Ratio

13.5

13.6

Tier 1 Capital Ratio

14.0

14.1

Total Capital Ratio

15.2

15.3

Tangible Common Equity Ratio

11.0

11.2

As of March 31, 2026, total stockholders’ equity was $633.6 million, representing 11.1% of total assets and a book value

of $58.27 per common share. This compares to total stockholders’ equity of $636.1 million, or 11.4% of total assets, and a book

value of $57.50 per common share at December 31, 2025. The $2.5 million decrease in stockholders’ equity from December 31, 2025,

was primarily driven by $4.7 million in cash dividends declared on the Company’s common stock, $16.9 million in common stock repurchases,

and an increase in unrealized losses on investments and interest rate swaps, partially offset by $17.5 million in net income and a $4.6

million increase from stock option exercises. The increased unrealized losses on the Company’s available-for-sale investment securities

and interest rate swaps, which totaled $35.1 million and $32.2 million (net of taxes) at March 31, 2026 and December 31, 2025, respectively,

decreased stockholders’ equity by $2.9 million during the first quarter of 2026. These net unrealized losses primarily resulted

from increased intermediate-term market interest rates in prior periods, which generally decreased the fair value of the investment securities

and interest rate swaps. In 2026, these market interest rates and interest rate expectations for future periods decreased early in the

first quarter before increasing significantly in March to levels higher than those at December 31, 2025, ultimately resulting in decreases

in the fair value of the Company’s investment securities and interest rate swaps.

The Company had unrealized losses on its portfolio of held-to-maturity investment securities, which totaled $17.1 million and $16.6

million at March 31, 2026 and December 31, 2025, respectively, that were not included in its total capital balance. If held-to-maturity

unrealized losses were included in capital (net of taxes) at March 31, 2026 and December 31, 2025, they would have decreased total stockholder’s

equity at those dates by $12.9 million and $12.5 million, respectively. These amounts were equal to 2.0% of total stockholders’

equity of $633.6 million at March 31, 2026 and $636.1 million at December 31, 2025.

In April 2025, the Company’s Board of Directors authorized the purchase, from time to time, of up to one million additional shares

of the Company’s common stock. As of March 31, 2026, approximately 419,000 shares remained available under this stock repurchase

authorization.

During the three months ended March 31, 2026, the Company repurchased 268,664 shares of its common stock at an average price of $62.55,

and the Company’s Board of Directors declared a regular quarterly cash dividend of $0.43 per common share, which, combined, reduced

stockholders’ equity by $21.6 million. During the three months ended March 31, 2026, the Company experienced stock option exercises

of 80,259 shares of its common stock at an average price of $50.90, which increased stockholders’ equity by $4.1 million.

LIQUIDITY AND DEPOSITS

Liquidity is a measure of the Company’s ability to generate sufficient cash to meet present and future financial obligations

in a timely manner. The Company’s primary sources of funds are customer deposits, FHLBank advances, other borrowings, loan repayments,

unpledged securities, proceeds from sales of loans and available-for-sale securities and funds provided from operations. The Company utilizes

some or all of these sources of funds depending on the comparative costs and availability at the time. The Company has from time to time

chosen not to pay rates on deposits as high as the rates paid by certain of its competitors and, at management’s discretion, supplements

deposits with alternative sources of funds. Management believes that the Company maintains overall liquidity sufficient to satisfy its

depositors’ requirements and meet its borrowers’ credit needs.

At March 31, 2026, the Company had the following available secured lines and on-balance sheet liquidity:

March

31, 2026

Federal Home Loan Bank line

$1,238.0 million

Federal Reserve Bank line

332.1 million

Cash and cash equivalents

187.4 million

Unpledged securities – Available-for-sale

347.1 million

Unpledged securities – Held-to-maturity

23.9 million

During the three months ended March 31, 2026, the Company’s total deposits decreased $37.6 million. Interest-bearing checking

balances decreased $25.0 million (1.1%), primarily in certain money market accounts, and non-interest-bearing checking balances increased

$15.8 million (1.9%). Time deposits generated through the Company’s banking center and corporate services networks decreased $17.0

million (2.5%). Brokered deposits, obtained through a variety of sources, decreased $11.5 million (1.7%). As total assets (primarily loans

receivable) increased, the Company elected to utilize FHLBank borrowings to replace some of its maturing time and brokered deposits.

At March 31, 2026, the Company had the following deposit balances:

March

31, 2026

Interest-bearing checking

$2,264.4 million

Non-interest-bearing checking

857.4 million

Time deposits

671.4 million

Brokered deposits

652.0 million

At March 31, 2026, the Company estimated that its uninsured deposits, excluding deposit accounts of the Company’s consolidated

subsidiaries, were approximately $740.1 million (16.7% of total deposits).

LOANS

Total net loans, excluding mortgage loans held for sale, increased $99.8 million, or 2.3%, from $4.36 billion at December 31, 2025

to $4.46 billion at March 31, 2026. This increase was primarily driven by increases in construction loans of $83.0 million and commercial

real estate loans of $27.0 million, partially offset by a decrease in other residential (multi-family) loans of $18.1 million. Commercial

construction loans, including multi-family construction loans, increased primarily due to draws on loans previously closed. Loan repayments

in the first quarter of 2026 also decreased approximately $125 million compared to the quarterly average of repayments in 2025.

The pipeline of the unfunded portion of loans and formal loan commitments remained strong, with the largest portion of these unfunded

balances represented by the unfunded portion of outstanding construction loans ($529.2 million at March 31, 2026). See the table below.

For additional details about the Company’s loan portfolio, please refer to the quarterly loan portfolio presentation available

on the Company’s Investor Relations website under “Presentations.”

Loan commitments and the unfunded portion of loans at the dates indicated were as follows (in thousands):

March

31,

2026

December

31,

2025

December

31,

2024

December

31,

2023

Closed non-construction loans with unused available lines

Secured by real estate (one- to four-family)

214,107

208,229

205,599

203,964

Secured by real estate (not one- to

four-family)

—

Not secured by real estate – commercial

business

106,024

114,568

106,621

82,435

Closed construction loans with unused available lines

Secured by real estate (one-to four-family)

119,231

112,684

94,501

101,545

Secured by real estate (not one-to four-family)

530,756

624,025

703,947

719,039

Loan commitments not closed

Secured by real estate (one-to four-family)

19,194

14,113

14,373

12,347

Secured by real estate (not one-to four-family)

24,053

19,412

53,660

48,153

Not secured by real estate – commercial

business

35,762

38,262

22,884

11,763

1,049,127

1,131,293

1,201,585

1,179,246

PROVISION FOR CREDIT LOSSES AND ALLOWANCE FOR CREDIT LOSSES

During the three months ended March 31, 2026 and 2025, the Company did not record a provision expense on its portfolio of outstanding

loans. Total net recoveries were $13,000 for the three months ended March 31, 2026, compared to total net charge-offs of $56,000 during

the same period in the prior year. Additionally, for the quarter ended March 31, 2026, the Company recorded a negative provision for losses

on unfunded commitments of $931,000, compared to a negative provision for losses on unfunded commitments of $348,000 for the same period

in 2025.

The Bank’s allowance for credit losses as a percentage of total loans was 1.43% and 1.46% at March 31, 2026 and December 31,

2025, respectively. Management considers the allowance for credit losses adequate to cover losses inherent in the Bank’s loan portfolio

at March 31, 2026, based on recent reviews of the portfolio and current economic conditions. However, if challenging economic conditions

persist or worsen, or if management’s assessment of the loan portfolio changes, additional provisions for credit losses may be

required, which could adversely impact the Company’s future financial performance.

ASSET QUALITY

At March 31, 2026, non-performing assets were $10.1 million, an increase of $2.0 million from $8.1 million at December 31, 2025. Non-performing

assets as a percentage of total assets were 0.18% at March 31, 2026, compared to 0.15% at December 31, 2025.

Activity in the non-performing loan categories during the quarter ended March 31, 2026, was as follows:

Beginning

Balance,

January

Additions

Non-

Performing

Removed

from

Non-

Performing

Transfers

Potential

Problem

Loans

Transfers

Foreclosed

Assets and

Repossessions

Charge-

Offs

Payments

Ending

Balance,

March

(In thousands)

One- to four-family construction

—

Subdivision construction

—

Land development

—

Commercial construction

—

One- to four-family residential

2,066

109

—

(643

)

—

(829

)

703

Other residential (multi-family)

—

2,725

—

2,725

Commercial real estate

—

Commercial business

—

Consumer

—

)

Total non-performing loans

2,094

2,834

—

(643

)

—

(831

)

3,454

Compared to December 31, 2025, non-performing loans increased $1.4 million.

The non-performing one- to four-family residential category consisted of five loans at March 31, 2026, one of which was added during

the current quarter.

The largest relationship in the one- to four-family residential category totaled $386,000 at March 31, 2026. This relationship was

added to non-performing loans in 2024 and is collateralized by a single-family residential property in southern Iowa.

The non-performing other residential (multi-family) category consisted of one loan at March 31, 2026, which was added during the current

quarter and is collateralized by an apartment in eastern Iowa. Recent scheduled monthly payments have not been made, causing the loan

to become delinquent. The guarantor is involved in legal issues, not related to the subject property, that are causing stress on the financial

condition of the guarantor. The Company expects that an updated valuation of the asset will be completed soon.

Activity in the potential problem loans categories during the quarter ended March 31, 2026, was as follows:

Beginning

Balance,

January

Additions to

Potential

Problem

Removed

from

Potential

Problem

Transfers

Non-

Performing

Transfers to

Foreclosed

Assets

and

Repossessions

Charge-

Offs

Loan

Advances (Payments)

Ending

Balance,

March

(In thousands)

One- to four-family construction

—

Subdivision construction

—

Land development

—

Commercial construction

—

One- to four-family residential

1,179

(177

)

(79

)

—

(19

)

943

Other residential (multi-family)

—

Commercial real estate

—

Commercial business

—

Consumer

211

140

—

(70

)

281

Total potential problem loans

1,390

193

(177

)

(79

)

—

(89

)

1,238

Compared to December 31, 2025, potential problem loans decreased $152,000.

At March 31, 2026, the one- to four-family residential category consisted of 12 loans, two of which were added to potential problem

loans during the current quarter.

The largest relationship in the one- to four-family category totaled $259,000 and was added in the third quarter of 2025. This relationship

is collateralized by a single-family residential property in the St. Louis area.

At March 31, 2026, the consumer category of potential problem loans consisted of 16 loans, four of which were added during the current

quarter.

Activity in the foreclosed assets and repossessions categories during the quarter ended March 31, 2026 was as follows:

Beginning

Balance,

January

Additions

ORE

and

Repossession

Sales

Capitalized

Costs

ORE

and

Repossession

Write-Downs

Ending

Balance,

March

(In thousands)

One-to four-family construction

—

Subdivision construction

—

Land development

—

Commercial construction

—

One- to four-family residential

—

643

—

643

Other residential (multi-family)

—

Commercial real estate

6,025

—

(61

)

—

)

5,960

Commercial business

—

Consumer

)

—

Total foreclosed assets and repossessions

6,036

653

(70

)

—

)

6,615

Compared to December 31, 2025, foreclosed assets increased $579,000.

The largest asset in the commercial real estate category, totaling $6.0 million, consisted of an office building located in Clayton,

Mo. This asset was foreclosed upon in the fourth quarter of 2024.

At December 31, 2025, the one- to four-family residential category, totaling $643,000, consisted of one relationship that was transferred

from non-performing loans in the current quarter. This asset consisted of a condominium in the Sarasota, Fla. area. The borrower was no

longer in compliance with their loan agreement and, ultimately, the property was placed into foreclosure.

BUSINESS INITIATIVES

The Company maintains its focus on technology initiatives and advancements with its current core provider. These investments in both

foundational projects and a heightened customer experience continue to foster an organizational emphasis on innovation and forward progress.

The Company transitioned its banking center located at 4700 Mid Rivers Mall Dr. in Cottleville, Mo., to its second drive-thru Express

Center location in the spring of 2026. This is the Company's first Express Center in the St. Louis, Mo., area. In addition to the Cottleville

location, the Company operates 17 other locations in the St. Louis metro region.

2026 Annual Meeting of Stockholders

The Company announced that its 2026 Annual Meeting of Stockholders will be held at 10 a.m. Central Time on May 13, 2026, and will be

held in a virtual format. Stockholders will be able to attend the Annual Meeting via a live webcast. Holders of record of Great Southern

Bancorp, Inc. common stock at the close of business on the record date, March 3, 2026, may vote during the live webcast of the Annual

Meeting or by proxy. Please see the Company’s Notice of Annual Meeting and Proxy Statement available on the Company’s website,

www.GreatSouthernBank.com (click “About” then “Investor Relations”) for additional information about the virtual

meeting.

Earnings Conference Call

The Company will host a conference call on Thursday, April 16, 2026, at 2:00 p.m. Central Time to discuss first quarter 2026 preliminary

earnings. The call will be available live or in a recorded version at the Company’s Investor Relations website, http://investors.greatsouthernbank.com.

Participants may register for the call at https://register-conf.media-server.com/register/BIc5cb39e8aed7434a9500e6b80e150ad9.

About Great Southern Bancorp, Inc.

Headquartered in Springfield, Missouri, Great Southern offers a broad range of banking services to customers. The Company operates

87 retail banking centers in Missouri, Iowa, Kansas, Minnesota, Arkansas and Nebraska and commercial lending offices in Atlanta, Charlotte,

Chicago, Dallas, Denver, Omaha, and Phoenix. The common stock of Great Southern Bancorp, Inc. is listed on the Nasdaq Global Select Market

under the symbol “GSBC.”

www.GreatSouthernBank.com

Forward-Looking Statements

When used in this press release and in other documents filed or furnished by the Company with or to the Securities and Exchange Commission

(the “SEC”), in the Company's other press releases or other public or stockholder communications, and in oral statements made

with the approval of an authorized executive officer, the words or phrases “may,” “might,” “could,”

“should,” "will likely result," "are expected to," "will continue," "is anticipated," “believe,” "estimate," "project,"

"intends" or similar expressions are intended to identify "forward-looking statements" within the meaning of the Private Securities Litigation

Reform Act of 1995. Forward-looking statements also include, but are not limited to, statements regarding plans, objectives, expectations

or consequences of announced transactions, known trends and statements about future performance, operations, products and services of

the Company. The Company’s ability to predict results or the actual effects of future plans or strategies is inherently uncertain,

and the Company’s actual results could differ materially from those contained in the forward-looking statements.

Factors that could cause or contribute to such differences include, but are not limited to: (i) expected revenues, cost savings, earnings

accretion, synergies and other benefits from the Company's merger and acquisition activities might not be realized within the anticipated

time frames or at all, and costs or difficulties relating to integration matters, including but not limited to customer and employee retention,

might be greater than expected; (ii) changes in economic conditions, either nationally or in the Company's market areas; (iii) the effects

of any new or continuing public health issues on general economic and financial market conditions; (iv) fluctuations in interest rates,

the effects of inflation or a potential recession, whether caused by Federal Reserve actions or otherwise; (v) the impact of bank failures

or adverse developments at other banks and related negative press about the banking industry in general on investor and depositor sentiment;

(vi) slower or negative economic growth caused by tariffs, changes in energy prices, supply chain disruptions or other factors; (vii)

the risks of lending and investing activities, including changes in the level and direction of loan delinquencies and write-offs and changes

in estimates of the adequacy of the allowance for credit losses; (viii) the possibility of realized or unrealized losses on securities

held in the Company's investment portfolio; (ix) the Company's ability to access cost-effective funding and maintain sufficient liquidity;

(x) fluctuations in real estate values and both residential and commercial real estate market conditions; (xi) the ability to adapt successfully

to technological changes to meet customers' needs and developments in the marketplace; (xii) the possibility that security measures implemented

might not be sufficient to mitigate the risk of a cyber-attack or cyber theft, and that such security measures might not protect against

systems failures or interruptions; (xiii) legislative or regulatory changes that adversely affect the Company's business; (xiv) changes

in accounting policies and practices or accounting standards; (xv) results of examinations of the Company and the Bank by their regulators,

including the possibility that the regulators may, among other things, require the Company to limit its business activities, change its

business mix, increase its allowance for credit losses, write-down assets or increase its capital levels, or affect its ability to borrow

funds or maintain or increase deposits, which could adversely affect its liquidity and earnings; (xvi) costs and effects of litigation,

including settlements and judgments; (xvii) competition; and (xviii) natural disasters, war, terrorist activities or civil unrest and

their effects on economic and business environments in which the Company operates. The Company wishes to advise readers that the factors

listed above and other risks described in the Company’s most recent Annual Report on Form 10-K, including, without limitation, those

described under “Item 1A. Risk Factors,” subsequent Quarterly Reports on Form 10-Q and other documents filed or furnished

from time to time by the Company with the SEC (which are available on our website at www.greatsouthernbank.com and the SEC’s website

at www.sec.gov), could affect the Company's financial performance and cause the Company's actual results for future periods to differ

materially from any opinions or statements expressed with respect to future periods in any current statements.

The Company does not undertake-and specifically declines any obligation- to publicly release the result of any revisions which may

be made to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence

of anticipated or unanticipated events.

The following tables set forth selected consolidated financial information of the Company

at the dates and for the periods indicated. Financial data at all dates other than December 31, 2025, and for all periods other than the

year ended December 31, 2025, is unaudited. In the opinion of management, all adjustments, which consist only of normal recurring accrual

adjustments, necessary for a fair presentation of the results at and for such unaudited dates and periods have been included. The results

of operations and other data for the three months ended March 31, 2026 and 2025, and the three months ended December 31, 2025, are not

necessarily indicative of the results of operations which may be expected for any future period.

March 31,

December

31,

2026

2025

(In thousands)

Selected Financial Condition Data:

Total assets

5,687,322

5,598,606

Loans receivable, gross

4,526,999

4,427,678

Allowance for credit losses

64,784

64,771

Other real estate owned, net

6,615

6,036

Available-for-sale securities, at fair

value

513,846

523,831

Held-to-maturity securities, at amortized

cost

177,594

179,200

Deposits

4,445,161

4,482,774

Total borrowings

533,632

405,169

Total stockholders’ equity

633,630

636,126

Non-performing assets

10,069

8,130

Three Months Ended

Three Months

Ended

March 31,

December 31,

2026

2025

(In thousands)

Selected Operating Data:

Interest income

71,165

80,243

73,435

Interest expense

22,837

30,909

24,272

Net interest income

48,328

49,334

49,163

Provision (credit) for credit losses on

loans and unfunded commitments

(931

)

(348

)

882

Non-interest income

7,029

6,590

7,188

Non-interest expense

34,792

34,822

36,000

Provision for income taxes

4,020

4,290

3,194

Net income

17,476

17,160

16,275

At or For the Three

Months

Ended

At or For the Three Months Ended

March 31,

December 31,

2026

2025

(Dollars in thousands, except per

share data)

Per Common Share:

Net income (fully diluted)

1.58

1.47

1.45

Book value

58.27

53.03

57.50

Earnings Performance Ratios:

Annualized return on average assets

1.24

1.15

1.16

Annualized return on average

common stockholders’ equity

10.85

11.30

10.16

Net interest margin

3.71

3.57

3.70

Average interest rate spread

3.20

3.00

3.16

Efficiency ratio

62.85

62.27

63.89

Non-interest expense to average total

assets

2.47

2.34

2.56

Asset Quality Ratios:

Allowance for credit losses to period-end

loans

1.43

1.36

1.46

Non-performing assets to period-end

assets

0.18

0.16

0.15

Non-performing loans to period-end loans

0.08

0.07

0.05

Annualized net charge-offs to average

loans

0.00

Great Southern Bancorp, Inc. and Subsidiaries

Consolidated

Statements of Financial Condition

(In thousands, except number of shares)

March

31,

2026

December

31,

2025

Assets

Cash

101,405

109,833

Interest-bearing deposits in other financial

institutions

85,999

79,721

Cash and cash equivalents

187,404

189,554

Available-for-sale securities

513,846

523,831

Held-to-maturity securities

177,594

179,200

Mortgage loans held for sale

6,823

6,838

Loans receivable, net of allowance for credit losses of $64,784 – March 2026;

$64,771 – December 2025

4,456,639

4,356,853

Interest receivable

19,716

18,068

Prepaid expenses and other assets

124,023

128,615

Other real estate owned and repossessions,

net

6,615

6,036

Premises and equipment, net

132,113

133,257

Goodwill and other intangible assets

9,552

9,660

Federal Home Loan Bank stock and other

interest-earning assets

27,720

20,079

Current and deferred income taxes

25,277

26,615

Total Assets

5,687,322

5,598,606

Liabilities and Stockholders’ Equity

Liabilities

Deposits

4,445,161

4,482,774

Securities sold under reverse repurchase

agreements with customers

37,198

48,467

Short-term borrowings

470,660

330,928

Subordinated debentures issued to capital

trust

25,774

Accrued interest payable

3,250

3,612

Advances from borrowers for taxes and

insurance

9,021

5,781

Accounts payable and accrued expenses

55,011

56,596

Liability for unfunded commitments

7,617

8,548

Total Liabilities

5,053,692

4,962,480

Stockholders’ Equity

Capital stock

Preferred stock, $.01 par value; authorized 1,000,000 shares; issued and

outstanding March 2026 and December 2025 -0- shares

—

Common stock, $.01 par value; authorized 20,000,000 shares; issued

and outstanding March 2026 – 10,873,847 shares; December 2025 – 11,062,252 shares

111

Additional paid-in capital

56,126

54,120

Retained earnings

612,570

614,095

Accumulated other comprehensive loss

(35,149

)

(32,200

)

Total Stockholders’ Equity

633,630

636,126

Total Liabilities and Stockholders’

Equity

5,687,322

5,598,606

Great Southern Bancorp, Inc. and Subsidiaries

Consolidated

Statements of Income

(In thousands, except per share data)

Three Months Ended

Three

Months Ended

March 31,

December

31,

2026

2025

Interest Income

Loans

64,660

73,071

66,531

Investment securities and other

6,505

7,172

6,904

71,165

80,243

73,435

Interest Expense

Deposits

18,337

24,600

21,185

Securities sold under reverse repurchase

agreements

371

120

Short-term borrowings, overnight FHLBank borrowings and

other interest-bearing liabilities

4,062

4,450

2,598

Subordinated debentures issued to capital

trust

342

382

369

Subordinated notes

—

1,106

—

22,837

30,909

24,272

Net Interest Income

48,328

49,334

49,163

Provision for Credit Losses on Loans

—

Provision (Credit) for Unfunded Commitments

(931

)

(348

)

882

Net Interest Income After Provision for Credit Losses and

Provision (Credit) for Unfunded Commitments

49,259

49,682

48,281

Non-interest Income

Commissions

615

262

387

Overdraft and Insufficient funds fees

1,231

1,215

1,334

POS and ATM fee income and service charges

3,101

3,234

Net gains on loan sales

719

601

862

Late charges and fees on loans

136

243

421

Loss on derivative interest rate products

)

(24

)

Other income

1,229

1,059

958

7,029

6,590

7,188

Non-interest Expense

Salaries and employee benefits

20,071

20,129

19,645

Net occupancy and equipment expense

8,864

8,533

9,456

Postage

925

931

916

Insurance

1,072

1,165

1,078

Advertising

372

290

949

Office supplies and printing

222

266

211

Telephone

685

706

696

Legal, audit and other professional

fees

690

1,038

951

Expense (income) on other real estate

and repossessions

(70

)

(138

)

Acquired intangible asset amortization

108

109

Other operating expenses

1,729

1,726

2,127

34,792

34,822

36,000

Income Before Income Taxes

21,496

21,450

19,469

Provision for Income Taxes

4,020

4,290

3,194

Net Income

17,476

17,160

16,275

Earnings Per Common Share

Basic

1.59

1.47

1.46

Diluted

1.58

1.47

1.45

Dividends Declared Per Common Share

0.43

0.40

0.43

Average Balances, Interest Rates and Yields

The following table presents, for the periods indicated, the total dollar amounts of interest income from average interest-earning

assets and the resulting yields, as well as the interest expense on average interest-bearing liabilities, expressed both in dollars and

rates, and the net interest margin. Average balances of loans receivable include the average balances of nonaccrual loans for each period.

Interest income on loans includes interest received on nonaccrual loans on a cash basis. Interest income on loans also includes the amortization

of net loan fees, which were deferred in accordance with accounting standards. Net fees included in interest income were $879,000 and

$970,000 for the three months ended March 31, 2026 and 2025, respectively. Tax-exempt income was not calculated on a tax equivalent basis.

The table does not reflect any effect of income taxes.

March

31, 2026

Three

Months Ended

March 31, 2026

Three

Months Ended

March 31, 2025

Average

Yield/

Average

Yield/

Yield/Rate

Balance

Interest

Rate

Balance

Interest

Rate

(Dollars

in thousands)

Interest-earning assets:

Loans receivable:

One- to four-family

residential

4.26

782,410

8,385

4.35

830,615

8,568

4.18

Other residential

6.23

1,382,505

21,532

6.32

1,546,209

26,450

6.94

Commercial real estate

5.96

1,550,121

22,788

5.96

1,510,432

23,015

6.18

Construction

6.25

404,439

6,367

6.38

490,586

8,652

7.15

Commercial business

5.81

177,823

2,964

6.76

211,791

3,822

7.32

Other loans

6.24

175,801

2,624

6.05

166,424

2,564

6.25

Total loans receivable

5.78

4,473,099

64,660

5.86

4,756,057

73,071

6.23

Investment securities

3.20

722,850

5,732

3.22

738,122

6,074

3.34

Other interest-earning assets

3.64

89,479

773

3.50

105,286

1,098

4.23

Total interest-earning

assets

5.41

5,285,428

71,165

5.46

5,599,465

80,243

5.81

Non-interest-earning assets:

Cash and cash equivalents

97,691

100,558

Other non-earning assets

246,474

262,490

Total assets

5,629,593

5,962,513

Interest-bearing liabilities:

Interest-bearing demand

and savings

1.20

2,250,959

6,731

1.21

2,221,475

7,797

1.42

Time deposits

2.97

687,208

5,094

3.01

772,054

6,714

3.53

Brokered deposits

3.80

681,017

6,512

3.88

892,611

10,089

4.58

Total deposits

2.00

3,619,184

18,337

2.05

3,886,140

24,600

2.57

Securities sold under reverse

repurchase agreements

1.31

38,162

1.02

82,400

371

1.83

Short-term borrowings, overnight

FHLBank borrowings and other interest-bearing liabilities

3.91

419,154

4,062

3.93

392,646

4,450

4.60

Subordinated debentures issued to capital trust

5.53

25,774

342

5.38

25,774

382

6.01

Subordinated notes

—

74,919

1,106

5.99

Total interest-bearing

liabilities

2.23

4,102,274

22,837

2.26

4,461,879

30,909

2.81

Non-interest-bearing liabilities:

Demand deposits

835,093

821,759

Other liabilities

48,072

71,360

Total liabilities

4,985,439

5,354,998

Stockholders’ equity

644,154

607,515

Total liabilities and

stockholders’ equity

5,629,593

5,962,513

Net interest income:

48,328

49,334

Interest rate spread

3.18

3.20

3.00

Net interest margin*

3.71

3.57

Average interest-earning assets to

average interest-bearing liabilities

128.8

125.5

*Defined as the Company’s net interest income divided by average total interest-earning assets.

NON-GAAP FINANCIAL MEASURES

This document contains certain financial information determined by methods other than in accordance with accounting principles generally

accepted in the United States (“GAAP”), specifically, the ratio of tangible common equity to tangible assets.

In calculating the ratio of tangible common equity to tangible assets, we subtract period-end intangible assets from common equity

and from total assets. Management believes that the presentation of this measure excluding the impact of intangible assets provides useful

supplemental information that is helpful in understanding our financial condition and results of operations, as it provides a method to

assess management’s success in utilizing our tangible capital as well as our capital strength. Management also believes that providing

a measure that excludes balances of intangible assets, which are subjective components of valuation, facilitates the comparison of our

performance with the performance of our peers. In addition, management believes that this is a standard financial measure used in the

banking industry to evaluate performance.

This non-GAAP financial measurement is supplemental and is not a substitute for any analysis based on GAAP financial measures. Because

not all companies use the same calculation of non-GAAP measures, this presentation may not be comparable to other similarly titled measures

as calculated by other companies.

Non-GAAP Reconciliation: Ratio of Tangible Common Equity to Tangible Assets

March

31,

December

31,

2026

2025

(Dollars in thousands)

Common equity at period end

633,630

636,126

Less: Intangible assets at period end

9,552

9,660

Tangible common equity at period end (a)

624,078

626,466

Total assets at period end

5,687,322

5,598,606

Less: Intangible assets at period end

9,552

9,660

Tangible assets at period end (b)

5,677,770

5,588,946

Tangible common equity to tangible assets (a) / (b)

10.99

11.21

CONTACT:

Kincade Ayers

Investor Relations,

(616) 233-0500

GSBC@lambert.com

EX-99.2 — EXHIBIT 99.2

EX-99.2

Filename: exh_992.htm · Sequence: 3

Exhibit 99.2

Earnings Presentation April 2026 Great Southern Bancorp. Inc (NASDAQ: GSBC) First Quarter Ended March 31, 2026

Forward - Looking Statements When used in this presentation and in other documents filed or furnished by the Company with or to the Securities and Exchange Commission (the “SEC”), in the Company's other press releases or other public or stockholder communications, and in oral statements made with the approval of an authorized executive officer, the words or phrases “may,” “might,” “could,” “should,” "will likely result," "are expected to," "will continue," "is anticipated," “believe,” "estimate," "project," "intends" or similar expressions are intended to identify "forward - looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Forward - looking statements also include, but are not limited to, statements regarding plans, objectives, expectations or consequences of announced transactions, known trends and statements about future performance, operations, products and services of the Company. The Company’s ability to predict results or the actual effects of future plans or strategies is inherently uncertain, and the Company’s actual results could differ materially from those contained in the forward - looking statements. Factors that could cause or contribute to such differences include, but are not limited to: (i) expected revenues, cost savings, earnings accretion, synergies and other benefits from the Company's merger and acquisition activities might not be realized within the anticipated time frames or at all, and costs or difficulties relating to integration matters, including but not limited to customer and employee retention, might be greater than expected; (ii) changes in economic conditions, either nationally or in the Company's market areas; (iii) the effects of any new or continuing public health issues on general economic and financial market conditions; (iv) fluctuations in interest rates, the effects of inflation or a potential recession, whether caused by Federal Reserve actions or otherwise; (v) the impact of bank failures or adverse developments at other banks and related negative press about the banking industry in general on investor and depositor sentiment; (vi) slower or negative economic growth caused by tariffs, changes in energy prices, supply chain disruptions or other factors; (vii) the risks of lending and investing activities, including changes in the level and direction of loan delinquencies and write - offs and changes in estimates of the adequacy of the allowance for credit losses; (viii) the possibility of realized or unrealized losses on securities held in the Company's investment portfolio; (ix) the Company's ability to access cost - effective funding and maintain sufficient liquidity; (x) fluctuations in real estate values and both residential and commercial real estate market conditions; (xi) the ability to adapt successfully to technological changes to meet customers' needs and developments in the marketplace; (xii) the possibility that security measures implemented might not be sufficient to mitigate the risk of a cyber - attack or cyber theft, and that such security measures might not protect against systems failures or interruptions; (xiii) legislative or regulatory changes that adversely affect the Company's business; (xiv) changes in accounting policies and practices or accounting standards; (xv) results of examinations of the Company and Great Southern Bank by their regulators, including the possibility that the regulators may, among other things, require the Company to limit its business activities, change its business mix, increase its allowance for credit losses, write - down assets or increase its capital levels, or affect its ability to borrow funds or maintain or increase deposits, which could adversely affect its liquidity and earnings; (xvi) costs and effects of litigation, including settlements and judgments; (xvii) competition; and (xviii) natural disasters, war, terrorist activities or civil unrest and their effects on economic and business environments in which the Company operates. The Company wishes to advise readers that the factors listed above and other risks described in the Company’s most recent Annual Report on Form 10 - K, including, without limitation, those described under “Item 1A. Risk Factors,” subsequent Quarterly Reports on Form 10 - Q and other documents filed or furnished from time to time by the Company with the SEC (which are available on our website at www.greatsouthernbank.com and the SEC’s website at www.sec.gov), could affect the Company's financial performance and cause the Company's actual results for future periods to differ materially from any opinions or statements expressed with respect to future periods in any current statements. The Company does not undertake - and specifically declines any obligation - to publicly release the result of any revisions which may be made to any forward - looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events. Great Southern Bancorp. Inc | 2

Executive Management Team Joseph W. Turner joined Great Southern in 1991 and became an officer of Bancorp in 1995. He was appointed to the Board of Directors of Bancorp and Great Southern in 1997 and has served as President and Chief Executive Officer since 2000. In this role, he has led the company’s strategic vision, financial growth, and operational execution, positioning Great Southern as a strong and competitive institution. Before joining Great Southern, Mr. Turner practiced law with Stinson LLP in Kansas City, Missouri, where he specialized in financial and corporate matters. His deep understanding of regulatory compliance, risk management, and corporate governance has been instrumental in guiding the bank’s financial strategy. Mr. Turner is the son of William V. Turner, Chairman of the Board, and the brother of Julie Turner Brown, a fellow director. He also serves on the board of CoxHealth, contributing expertise in financial oversight. His decades of leadership have driven Great Southern’s success, ensuring stability, disciplined management, and long - term value for shareholders. Joseph W. Turner President & Chief Executive Officer Rex A. Copeland Senior Vice President & Chief Financial Officer Rex A. Copeland has served as Senior Vice President, Chief Financial Officer, and Treasurer of Great Southern Bancorp, Inc. and Great Southern Bank since 2000. He oversees all financial functions of the company, including financial reporting, strategic planning, risk management, and capital allocation. With decades of experience in corporate finance, he has played a pivotal role in shaping financial policies, ensuring regulatory compliance, and optimizing efficiency. Before joining Great Southern, Mr. Copeland held financial leadership positions at Bank One Corporation, where he contributed to internal audit, financial strategy and corporate accounting. He began his career as an auditor with Forvis Mazars, LLP (formerly BKD, LLP), developing a strong foundation in financial reporting, internal controls, and audit procedures. Previously practicing as a Certified Public Accountant, he has expertise in financial management, corporate governance, and regulatory affairs. Mr. Copeland’s leadership has been instrumental in Great Southern’s stability and long - term growth. His financial expertise supports disciplined fiscal management and shareholder value. He remains active in industry organizations, offering insights on financial best practices and corporate strategy. Great Southern Bancorp. Inc | 3

Financial Performance Great Southern Bancorp. Inc (NASDAQ: GSBC) Quarter ended March 31, 2026

Highlights & Developments Great Southern Bancorp. Inc | 5 Earnings Growth: 1Q26 net income increased to $17.5 million ($1.58 per diluted share) from $17.2 million ($1.47 per diluted share) in 1Q25, driven by improved non - interest income, prudent non - interest expense management, and a lower provision for unfunded commitments. Net Interest Income & Margin: Net interest income decreased by $1.0 million, or approximately 2.0% year - over - year, to $48.3 million, with an annualized net interest margin of 3.71%, up from 3.57% in 1Q25. Asset Quality : Non - performing assets were $ 10 . 1 million ( 0 . 18 % of total assets), a $ 2 . 0 million increase from the linked quarter and an increase of $ 0 . 6 million from March 31 , 2025 . The low level of non - performing assets reflects management’s disciplined underwriting and conservative lending standards . Capital Strength: Stockholders' equity decreased by $2.5 million to $633.6 million, compared to December 31, 2025. The tangible common equity to tangible common assets ratio was 11.0% at March 31, 2026. Loan Portfolio Trends: Total net loans, excluding mortgage loans held for sale, increased $99.8 million, or 2.3%, to $4.46 billion from $4.36 billion at December 31, 2025, primarily due to increases in construction loans and commercial real estate loans, partially offset by decreases in other residential (multi - family) loans. 1Q25 4Q25 1Q26 ($000S EXCEPT PER SHARE DATA) INCOME STATEMENT $49,334 $49,163 $48,328 Net Interest Income $17,160 $16,275 $17,476 Net Income $1.47 $1.45 $1.58 Earnings per Diluted Common Share 4Q25 1Q26 ($000S) BALANCE SHEET $636,126 $633,630 Total Stockholders’ Equity $4,427,678 $4,526,998 Loans Receivable, Gross $4,482,774 $4,445,161 Total Deposits 1Q25 4Q25 1Q26 ASSET QUALITY RATIOS 1.36% 1.46% 1.43% Allowance for Credit Losses to Period - End Loans 0.16% 0.15% 0.18% Non - Performing Assets to Period - End Assets 0.00% (0.00%) (0.00%) Annualized Net Charge - Offs (recoveries) to Average Loans

$49,334 $49,163 $48,328 3.57% 3.70% 3.71% 1Q25 4Q25 1Q26 Income Statement Net Income Growth: GSBC reported net income of $17.5 million in 1Q26, a 1.8% increase from $17.2 million in 1Q25. Earnings Per Share: Earnings per diluted common share rose to $1.58 in 1Q26 from $1.47 in 1Q25, marking a 7.5% increase. Net Interest Income: There was a 2.0% decrease in net interest income, reaching $48.3 million in 1Q26, compared to $49.3 million in 1Q25. Non - interest Expense Reduction: Total non - interest expense declined to $34.8 million in 1Q26, a reduction of $30,000 from 1Q25. Net Interest Margin: Net interest margin improved by 14 basis points, standing at 3.71% in 1Q26, compared to 3.57% in 1Q25. Net Interest Margin & Net Interest Income Dollars In Thousands Net Interest Margin Net Interest Income Great Southern Bancorp. Inc | 6

$262 $387 $615 $1,215 $1,334 $1,231 $3,234 $3,234 $3,101 $601 $862 $719 $243 $421 $136 $1,059 $958 $1,229 $(24) 1Q25 $(8) 4Q25 $(2) 1Q26 Non - Interest Income Dollars In Thousands Other income Late charges and fees on loans Net gains on loan sales POS and ATM fee income and service charges Overdraft and Insufficient funds fees Commissions Loss on derivative interest rate products Non - Interest Income Great Southern Bancorp. Inc | 7 Total Non - Interest Income: $7.0 million, a 6.7% increase from $6.6 million in 1Q25. POS and ATM fee income and service charges: $3.1 million, down 4.1% from $3.2 million in 1Q25. Overdraft and insufficient funds fees: $1.23 million, a 1.3% increase from $1.21 million in 1Q25. Late charges and fees on loans: $136,000, a 44% decrease compared to $243,000 in 1Q25, driven by reduced payoff volume. Other Non - Interest Income: $1.2 million, a 16.1% increase from $1.1 million in 1Q25. Net gains on loan sales: $719,000, up 19.6% from $601,000 in 1Q25. Loss on derivative interest rate products: Negative $2,000 compared to negative $24,000 in 1Q25.

All Other Non - Interest Expense Non - Interest Expense Total Non - Interest Expense: $34.8 million, a $30,000 decrease from $34.8 million in 1Q25. Net Occupancy and Equipment Expense: Net occupancy expenses increased to $8.9 million, representing a $331,000 year - over - year increase, driven primarily by higher computer license and support expenses associated with upgrades to core system capabilities and the disaster recovery site, which increased by $339,000 in 1Q26 compared to 1Q25. Legal, Audit, and Other Professional Fees : Decreased by $ 348 , 000 to $ 690 , 000 , compared to $ 1 . 0 million in 1 Q 25 . The decrease was primarily due to the recovery of $ 261 , 000 in legal fees related to an insurance reimbursement of legal fees that had been expensed in prior periods related to a loan foreclosure . Salaries and Employee Benefits: Decreased by $58,000 to $20.1 million, consistent with $20.1 million in 1Q25. $20,129 $19,645 $20,071 $14,693 $16,335 $14,721 1Q25 4Q25 Salaries & Employee Benefits 1Q26 Non - Interest Expense Dollars In Thousands Great Southern Bancorp. Inc | 8

$4,758.0 $4,482.8 $4,445.2 1Q25 4Q25 1Q26 $2,248.3 $2,289.4 $2,264.4 $852.7 $841.5 $857.4 $761.7 $688.4 $671.4 $895.4 $663.4 $652.0 $2,500 $2,000 $1,500 $1,000 $500 $0 1Q25 1Q26 Interest - bearing 4Q25 Non - Interest - bearing Time Brokered Great Southern Bancorp. Inc | 9 Deposits Interest - Bearing Deposits: Decreased by $25.0 million, or 1.1%, compared to 4Q25, primarily driven by a decrease in certain money market accounts. Non - Interest - Bearing Deposits: Increased by $15.8 million, or 1.9%, compared to the 4Q25. Time Deposits: Decreased by $17.0 million, or 2.5%, compared to 4Q25. Brokered Deposits: Decreased by $11.5 million, or 1.7%, across various alternative funding sources relative to 4Q25. Deposit Breakdown Dollars In Millions Total Deposits Dollars In Millions

Capital Stockholders’ Equity at March 31, 2026: $633.6 million, or 11.1% of total assets, down from $636.1 million (11.4% of total assets) at December 31, 2025. Key Drivers of Change in Stockholders’ Equity: ● $17.5 million in net income. ● $4.6 million in stock option exercises. ● $4.7 million in cash dividends declared. ● $16.9 million in common stock repurchases. ● $2.9 million decrease in stockholders’ equity driven by an increase in AOCI loss in 1Q26 compared to 4Q25. *Preliminary Mar. 31, 2025 Dec. 31, 2025 Mar. 31, 2026* Consolidated Regulatory Capital Ratios 11.3% 12.2% 12.2% Tier 1 Leverage Ratio 12.4% 13.6% 13.5% Common Equity Tier 1 Capital Ratio 12.9% 14.1% 14.0% Tier 1 Capital Ratio 15.6% 15.3% 15.2% Total Capital Ratio 10.1% 11.2% 11.0% Tangible Common Equity Ratio $613.3 10.2% $636.1 11.4% $633.6 11.1% 1Q25 4Q25 1Q26 Stockholders’ Equity Dollars In Millions Percentage of Total Assets Total Stockholders’ Equity Great Southern Bancorp. Inc | 10

Consumer* $179,525 4% Single Family Real Estate $789,551 17% Multi - family Real Estate $1,369,294 30% Commercial Real Estate $1,583,124 35% Const & Land Dev $432,146 10% Commercial Business $180,182 4% Loan Portfolio by Category Gross Loans [in thousands] *Includes Home Equity Loans of $134,704 3 - 31 - 26 $4,533,822 *Includes Home Equity Loans of $128,030 12 - 31 - 25 $4,434,516 Great Southern Bancorp. Inc | 11

Kansas City $232,330 5% St. Louis $747,154 17% Springfield $384,159 8% Missouri - Other $237,936 5% Iowa/Nebraska/ South Dakota $388,026 9% Minnesota $304,665 7% Oklahoma $110,964 2% Denver $135,443 3% Georgia $140,479 3% Colorado - Other $107,321 2% $167,960 4% Dallas Chicago $206,677 5% Texas - Other $298,822 7% 3% Florida $193,313 4% Phoenix $127,006 Midwest Region $286,114 6% Southern Region $330,945 7% Other Region $134,508 3% Loan Portfolio by Region Gross Loans [in thousands] 3 - 31 - 26 $4,533,822 12 - 31 - 25 $4,434,516 Great Southern Bancorp. Inc | 12

Asset Quality Metrics Non - Performing Assets (NPAs): Increased to $10.1 million, representing 0.18% of total assets, up from $8.1 million (0.15% of total assets) 4Q25. Allowance for Credit Losses (ACL): Remained stable at 1.43% of total loans, a slight decrease from 1.46% in 4Q25. Net Charge - Offs (Recoveries): Net recoveries totaled $13,000 for the quarter, representing 0.00% of average loans on an annualized basis, compared to net charge - offs of $56,000, or 0.00%, in 1Q25. Provision (Credit) for Credit Losses on Loans and Unfunded Commitments: Recorded a negative provision of $931,000, compared to a negative provision of $348,000 in 1Q25, reflecting current portfolio trends and management’s assessment of the adequacy of reserves based on recent portfolio reviews and current economic conditions. Net Charge - Offs (Recoveries) $56,000 ($22,000) ($13,000) 1Q25 4Q25 1Q26 $9.5 $8.1 $10.1 0.16% 0.15% 0.18% 1Q26 Non - Performing Assets Dollars in Millions 1Q25 4Q25 Non - Performing Assets to Period - End Assets Non - Performing Assets Great Southern Bancorp. Inc | 13

Non - GAAP Reconciliation Great Southern Bancorp. Inc | 14 This document contains certain financial information determined by methods other than in accordance with accounting principles generally accepted in the United States (“GAAP”), specifically, the ratio of tangible common equity to tangible assets. In calculating the ratio of tangible common equity to tangible assets, we subtract period - end intangible assets from common equity and from total assets. Management believes that the presentation of this measure excluding the impact of intangible assets provides useful supplemental information that is helpful in understanding our financial condition and results of operations, as it provides a method to assess management’s success in utilizing our tangible capital as well as our capital strength. Management also believes that providing a measure that excludes balances of intangible assets, which are subjective components of valuation, facilitates the comparison of our performance with the performance of our peers. In addition, management believes that this is a standard financial measure used in the banking industry to evaluate performance. This non - GAAP financial measurement is supplemental and is not a substitute for any analysis based on GAAP financial measures. Because not all companies use the same calculation of non - GAAP measures, this presentation may not be comparable to other similarly titled measures as calculated by other companies.

Non - GAAP Reconciliation Non - GAAP Reconciliation: Ratio of Tangible Common Equity to Tangible Assets Great Southern Bancorp. Inc | 15

Contact Us Great Southern Bancorp. Inc (NASDAQ: GSBC) Kincade Ayers (616) 233 - 0500 - GSBC@lambert.com Investor Relations

EX-99.3 — EXHIBIT 99.3

EX-99.3

Filename: exh_993.htm · Sequence: 4

Exhibit 99.3

Loan Portfolio Presentation April 2026 Great Southern Bancorp. Inc (NASDAQ: GSBC) First Quarter Ended March 31, 2026

Retail $292,420 18% Healthcare $232,934 15% Motels / Hotels $311,738 20% Office Buildings $169,657 11% Restaurants $93,218 6% Industrial $302,812 19% Storage $73,698 4% Other $106,647 7% Commercial Real Estate by Industry Gross Loans [in thousands] 3 - 31 - 26 $1,583,124 12 - 31 - 25 $1,556,148 Great Southern Bancorp. Inc | 4

Kansas City 6% St. Louis $278,916 18% Springfield $119,168 8% Missouri - Other $110,197 7% Iowa/Nebraska/South Dakota $101,715 6% Minnesota $70,653 4% Chicago $154,507 10% Texas $139,391 9% Midwest Region $158,238 10% Southern Region $245,464 15% Other Region $112,895 $91,980 7% Commercial Real Estate by Region Gross Loans [in thousands] 12 - 31 - 25 3 - 31 - 26 $1,583,124 $1,556,148 Great Southern Bancorp. Inc | 5

St. Louis $107,733 28% Missouri - Other $44,472 12% Springfield $17,298 4% Oklahoma 0% Minnesota $15,731 4% $370 Chicago $36,863 10% Denver $11,094 3% Midwest Region $69,447 18% Southern Region $48,119 12% Kansas City $9,154 5% St. Louis $50,596 30% Springfield $20,213 12% Oklahoma $17,412 10% Minnesota $11,929 7% Chicago $28,919 17% Denver $15,177 9% Southern Region $5,544 3% Midwest Region $8,140 5% Other Region $2,573 2% (as of 3/31/26) Commercial Real Estate Office and Retail Gross Loans [in thousands] Average credit size is $1,402,125 3 - 31 - 26 $169,657 Average credit size is $1,620,330 $385,639 3 - 31 - 26 Kansas City Other Region $16,826 $17,686 4% 5% Great Southern Bancorp. Inc | 6

Office $169,657 Retail + Restaurant $385,639 Traditional Medical $148,621 $21,036 Outstanding Balance 102 18 # of Loans $1,457 $1,107 Avg. Loan Size 45% 68% Weighted Avg. LTV 100% of Office Portfolio – Pass Rated Restaurants Neighborhood & Shopping Center Mixed - Use Single Tenant Strip Center $93,219 $52,252 $21,840 $56,990 $161,338 Outstanding Balance 80 10 13 71 61 # of Loans $1,137 $5,225 $1,680 $803 $2,602 Avg. Loan Size 59% 52% 61% 51% 59% Weighted Avg. LTV 100% of Retail Portfolio – Pass Rated $18,426 Owner Occupied 47 # of Loans $392 Avg. Loan Size 47% Weighted Avg. LTV $130,195 Office: Non - owner Occ. $90,972 >100,000 $13,006 20,000 - 100,000 $26,397 <20,000 55 # of Loans $2,367 Avg. Loan Size 44% Weighted Avg. LTV Commercial Real Estate Office and Retail (as of 3/31/26) Gross Loans [in thousands] Great Southern Bancorp. Inc | 7

Single Family $38,981 9% Apartments $243,827 56% Residential Land Dev $23,008 5% Commercial Land Dev $43,555 10% Retail $29,504 7% Industrial $33,395 8% Storage $4,055 1% Other $15,821 4% Construction & Land Development by Industry Gross Loans [in thousands] 3 - 31 - 26 $432,146 12 - 31 - 25 Great Southern Bancorp. Inc | 8 $349,161

St. Louis $44,792 10% Missouri - Other $26,095 6% Denver $20,832 5% Colorado - Other $50,824 12% Georgia $25,874 6% Dallas $21,133 5% Texas - Other $35,119 8% Phoenix $8,015 2% Midwest Region $86,895 20% Southern Region $77,754 18% Other Region $34,813 8% Construction & Land Development by Region Gross Loans [in thousands] 3 - 31 - 26 $432,146 12 - 31 - 25 $349,161 Great Southern Bancorp. Inc | 9

5% St. Louis $72,294 Missouri - Other $97,652 7% Iowa/Nebraska/ South Dakota $178,149 13% Minnesota $151,654 11% Oklahoma $47,243 3% Denver $77,826 6% Colorado - Other $36,186 3% Georgia $45,566 3% Dallas $99,132 7% Texas - Other $188,326 14% Midwest Region $81,442 6% Southern Region $227,798 17% Other Region $66,026 5% Multi Family Real Estate by Region Gross Loans [in thousands] 3 - 31 - 26 $1,369,294 12 - 31 - 25 $1,387,410 Average credit size is $6,224,066 Average credit size is $6,041,746 Great Southern Bancorp. Inc | 10

25% or less $11,985 1% 26% - 50% $329,908 24% 51% - 75% $919,868 67% 76% - 85% $73,964 5% 86% and higher $33,569 3% Multi Family Real Estate by LTV Gross Loans [in thousands] 3 - 31 - 26 $1,369,294 12 - 31 - 25 $1,387,410 Great Southern Bancorp. Inc | 11

Consumer* $26 1% Multifamily Real Estate $2,725 79% Single Family Real Estate $703 20% Non - Performing by Type Gross Loans [in thousands] 3 - 31 - 26 $3,454 12 - 31 - 25 $2,094 *Includes Home Equity Loans of $17 *Includes Home Equity Loans of $18 Great Southern Bancorp. Inc | 12

Missouri $303 9% Iowa/Nebraska/ South Dakota $3,112 90% Southern Region $3 0% Other Region $5 0% Midwest Region $31 1% Non - Performing by Region Gross Loans [in thousands] 3 - 31 - 26 $3,454 12 - 31 - 25 $2,094 Great Southern Bancorp. Inc | 13

Southern Region • Illinois • Indiana • Iowa • Kansas • Michigan • Minnesota • Missouri • Nebraska • North Dakota • Ohio • South Dakota • Wisconsin • Alabama • Arkansas • Delaware • Florida • Georgia • Kentucky • Louisiana • Maryland • Mississippi • North Carolina • Oklahoma • South Carolina • Tennessee • Texas • Virginia • Washington DC • West Virginia States by Region Midwest Region Great Southern Bancorp. Inc | 14

Contact Us Great Southern Bancorp. Inc (NASDAQ: GSBC) Kincade Ayers (616) 233 - 0500 - GSBC@lambert.com Investor Relations

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Name of the City or Town

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Code for the postal or zip code

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Name of the state or province.

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- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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- Definition

Indicate if registrant meets the emerging growth company criteria.

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-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

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No definition available.

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Two-character EDGAR code representing the state or country of incorporation.

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No definition available.

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- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

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-Publisher SEC

-Name Exchange Act

-Number 240

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Local phone number for entity.

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No definition available.

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

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- Definition

Title of a 12(b) registered security.

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-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

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Name of the Exchange on which a security is registered.

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-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

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-Number 240

-Section 14a

-Subsection 12

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Trading symbol of an instrument as listed on an exchange.

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No definition available.

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

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