Great Southern Bancorp, Inc. (GSBC)

Great Southern Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	294.31	297.18	271.95	205.75	186.27	204.96
Interest Income on Investments	28.57	27.52	24.88	21.23	12.4	12.74
Total Interest Income	322.88	324.7	296.84	226.98	198.67	217.7
Interest Paid on Deposits	98.75	109.71	88.76	20.68	13.1	32.43
Interest Paid on Borrowings	23.53	25.85	14.86	6.69	7.65	8.13
Total Interest Expense	122.28	135.56	103.62	27.36	20.75	40.57
Net Interest Income	200.6	189.14	193.22	199.61	177.92	177.14
Net Interest Income Growth (YoY)	8.58%	-2.11%	-3.21%	12.19%	0.44%	-1.80%
Gain (Loss) on Sale of Assets	-	-	-	1.1	-	-
Gain (Loss) on Sale of Investments	-	-	-	-0.13	-	0.08
Other Non-Interest Income	22.79	24.09	27.72	30.59	28.85	26.88
Total Non-Interest Income	26.1	27.87	30.07	34.14	38.32	35.05
Non-Interest Income Growth (YoY)	-5.08%	-7.34%	-11.92%	-10.90%	9.32%	13.22%
Revenues Before Loan Losses	226.7	217.01	223.29	233.76	216.24	212.19
Provision for Loan Losses	0.72	2.72	-3.08	6.19	-5.76	15.87
Revenue	225.98	214.29	226.37	227.57	222	196.32
Revenue Growth (YoY)	6.58%	-5.33%	-0.53%	2.51%	13.08%	-4.33%
Salaries and Employee Benefits	78.06	76.83	76.9	73.86	69.07	67.46
Occupancy Expenses	32.41	30.38	29.09	26.87	27.66	25.98
Federal Deposit Insurance	4.53	4.62	4.54	3.2	3.06	2.41
Amortization of Goodwill & Intangibles	0.43	0.43	0.29	0.77	0.86	1.15
Selling, General & Administrative	18	19.14	21.22	20.04	19.82	15.64
Other Non-Interest Expense	7.95	8.4	8.67	8.26	6.53	6.36
Total Non-Interest Expense	140.89	139.5	141.02	133.37	127.64	121.03
EBT Excluding Unusual Items	85.09	74.8	85.34	94.2	94.36	75.29
Legal Settlements	-2	-2	-	-	-	-
Other Unusual Items	2.7	2.7	-	-	-	-2.2
Pretax Income	85.79	75.5	85.34	94.2	94.36	73.09
Income Tax Expense	16.17	13.69	17.54	18.25	19.74	13.78
Net Income	69.62	61.81	67.8	75.95	74.63	59.31
Net Income to Common	69.62	61.81	67.8	75.95	74.63	59.31
Net Income Growth	15.97%	-8.84%	-10.73%	1.77%	25.82%	-19.43%
Basic Shares Outstanding	12	12	12	13	14	14
Diluted Shares Outstanding	12	12	12	13	14	14
Shares Change (YoY)	-1.83%	-2.69%	-4.18%	-7.80%	-3.05%	-1.58%
EPS (Basic)	6.04	5.28	5.65	6.07	5.50	4.22
EPS (Diluted)	6.01	5.26	5.61	6.02	5.46	4.21
EPS Growth	18.38%	-6.24%	-6.81%	10.26%	29.69%	-18.09%
Dividend Per Share	1.630	1.600	1.600	1.560	1.400	1.360
Dividend Growth	1.88%	-	2.56%	11.43%	2.94%	3.03%
Effective Tax Rate	18.85%	18.13%	20.56%	19.38%	20.92%	18.85%

Updated Oct 15, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q