---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-23-082461"
form_type: "8-K"
ticker: "GSBC"
cik: "0000854560"
company_name: "GREAT SOUTHERN BANCORP, INC."
filed_at: "2023-07-20T23:59:59+00:00"
generated_at: "2026-06-13T06:00:08.707809+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Great Southern Q2 EPS $1.52, NIM falls to 3.56%; non-performing assets rise to 0.20% of assets

## Summary
- Net income $18.3M ($1.52 diluted EPS) vs $18.2M ($1.44) in Q2 2022; six-month EPS $3.19 vs $2.73.
- Net interest income $48.1M (-1.4% YoY); net interest margin 3.56% vs 3.78% in prior-year quarter and 3.99% in Q1 2023.
- Non-performing assets $11.2M (0.20% of total assets) vs $3.7M (0.07%) at Dec 2022; $8.6M office-building loan added.
- Total stockholders' equity $546.3M ($45.64 book value); Tier 1 Leverage Ratio 10.8%, tangible capital ratio 9.4%.
- Interest rate swaps reduced net interest income by $1.7M in Q2; expected $3.0M negative impact in Q3 2023.

## SEC filing metadata
- accession: 0001104659-23-082461
- form_type: 8-K
- ticker: GSBC
- cik: 0000854560
- company_name: GREAT SOUTHERN BANCORP, INC.
- filed_at: 2023-07-20T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/854560/000110465923082461/0001104659-23-082461-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/854560/000110465923082461/tm2321632d2_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-23-082461
- JSON: https://secwatch.observer/filing/0001104659-23-082461.json
- Plain text: https://secwatch.observer/filing/0001104659-23-082461.txt

## Key facts
- Earnings Releases
  GREAT SOUTHERN BANCORP, INC. reported the six months ended June 30, 2023 results: net income $38.8 million net income, EPS $3.19 per diluted common share.
  - Period: the six months ended June 30, 2023
  - Net income: $38.8 million net income
  - EPS: $3.19 per diluted common share
  - Result: preliminary results
  source text: Preliminary earnings for the six months ended June 30, 2023, were $3.19 per diluted common share ($38.8 million net income) compared to $2.73 per diluted common share ($35.2 million net income) for the six months ended June 30, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/854560/000110465923082461/0001104659-23-082461-index.htm
- Earnings Releases
  GREAT SOUTHERN BANCORP, INC. reported the quarter ended June 30, 2023 results: net income $18.3 million net income, EPS $1.52 per diluted common share.
  - Period: the quarter ended June 30, 2023
  - Net income: $18.3 million net income
  - EPS: $1.52 per diluted common share
  - Result: preliminary results
  source text: On July 19, 2023, Great Southern Bancorp, Inc. issued a press release reporting preliminary financial results for the quarter ended June 30, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/854560/000110465923082461/0001104659-23-082461-index.htm

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