---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-23-047291"
form_type: "8-K"
ticker: "GSBC"
cik: "0000854560"
company_name: "GREAT SOUTHERN BANCORP, INC."
filed_at: "2023-04-20T23:59:59+00:00"
generated_at: "2026-06-16T23:08:58.722160+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Great Southern Q1 EPS $1.67 beats $1.30 YoY; net income $20.5M, NIM 3.99%

## Summary
- Net income $20.5M ($1.67 diluted EPS) vs $17.0M ($1.30) in Q1 2022; annualized ROAA 1.43%, ROAE 14.88%.
- Net interest income rose 22.9% to $53.2M; net interest margin expanded 56 bps to 3.99%.
- Provision for credit losses was $674K (vs $193K credit in prior year); non-interest expense up $3.2M to $34.5M.
- Non-performing assets declined to $3.0M (0.05% of assets); tangible common equity ratio improved to 9.5%.
- Uninsured deposits ~14% of total; secured borrowing capacity over $1.8B; capital ratios well above well-capitalized thresholds.

## SEC filing metadata
- accession: 0001104659-23-047291
- form_type: 8-K
- ticker: GSBC
- cik: 0000854560
- company_name: GREAT SOUTHERN BANCORP, INC.
- filed_at: 2023-04-20T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/854560/000110465923047291/0001104659-23-047291-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/854560/000110465923047291/tm2313167d2_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-23-047291
- JSON: https://secwatch.observer/filing/0001104659-23-047291.json
- Plain text: https://secwatch.observer/filing/0001104659-23-047291.txt

## Key facts
- Earnings Releases
  GREAT SOUTHERN BANCORP, INC. reported the three months ended March 31, 2023 results: revenue Net interest income ... $53.2 million, net income $20.5 million net income, EPS $1.67 per diluted common share.
  - Period: the three months ended March 31, 2023
  - Revenue: Net interest income ... $53.2 million
  - Net income: $20.5 million net income
  - EPS: $1.67 per diluted common share
  - Result: preliminary results
  source text: tangible capital ratio increased to 9.5%. · Net Interest Income : Net interest income for the first quarter of 2023 increased $9.9 million (or approximately 22.9%) to $53.2 million compared to $43.3 million for the first quarter of 2022. Net interest margin was 3.99% for the quarter ended March 31, 2023, compared to 3.43% for the quarter ended March 31,
  evidence_url: https://www.sec.gov/Archives/edgar/data/854560/000110465923047291/0001104659-23-047291-index.htm

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