---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-23-006013"
form_type: "8-K"
ticker: "GSBC"
cik: "0000854560"
company_name: "GREAT SOUTHERN BANCORP, INC."
filed_at: "2023-01-24T23:59:59+00:00"
generated_at: "2026-06-20T11:19:59.311575+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Great Southern Q4 EPS $1.84 vs $1.14 YoY; NIM expands to 3.99%

## Summary
- Net income $22.6M ($1.84 EPS) vs $15.3M ($1.14) YoY; FY EPS $6.02 vs $5.46.
- Net interest margin 3.99% vs 3.37% Q4; net interest income up 23.5% to $54.6M.
- Loan growth 12.5% to $4.51B; NPA ratio 0.07% vs 0.11%.
- Capital ratios strong: Tier 1 leverage 10.6%, CET1 10.6%.
- Repurchased ~1.04M shares in 2022 at avg $59.25; $0.40 quarterly dividend.

## SEC filing metadata
- accession: 0001104659-23-006013
- form_type: 8-K
- ticker: GSBC
- cik: 0000854560
- company_name: GREAT SOUTHERN BANCORP, INC.
- filed_at: 2023-01-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/854560/000110465923006013/0001104659-23-006013-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/854560/000110465923006013/tm234044d2_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-23-006013
- JSON: https://secwatch.observer/filing/0001104659-23-006013.json
- Plain text: https://secwatch.observer/filing/0001104659-23-006013.txt

## Key facts
- Earnings Releases
  GREAT SOUTHERN BANCORP, INC. reported preliminary financial results for quarter and year ended December 31, 2022.
  - Period: quarter and year ended December 31, 2022
  - Result: preliminary results
  source text: On January 23, 2023, Great Southern Bancorp, Inc. issued a press release reporting preliminary financial results for the quarter and year ended December 31, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/854560/000110465923006013/0001104659-23-006013-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.