---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-23-109949"
form_type: "8-K"
ticker: "GSBC"
cik: "0000854560"
company_name: "GREAT SOUTHERN BANCORP, INC."
filed_at: "2023-10-19T23:59:59+00:00"
generated_at: "2026-06-09T21:26:03.480718+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Great Southern Q3 EPS $1.33, down 8.9% YoY; net interest margin contracts

## Summary
- Q3 diluted EPS $1.33 vs $1.46 YoY; net income $15.9M vs $18.1M.
- Net interest income fell 11.6% to $46.7M; margin 3.43% vs 3.96%.
- Non-performing assets rose to $10.9M (0.19% assets) from $3.7M on a $8.6M office loan.
- Interest rate swaps reduced income $2.7M in Q3; Q4 expected negative impact ~$3.7M.
- Capital strong: Tier 1 Leverage 11.0%, TCE 9.1%; uninsured deposits 16% of total.

## SEC filing metadata
- accession: 0001104659-23-109949
- form_type: 8-K
- ticker: GSBC
- cik: 0000854560
- company_name: GREAT SOUTHERN BANCORP, INC.
- filed_at: 2023-10-19T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- 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/854560/000110465923109949/0001104659-23-109949-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/854560/000110465923109949/tm2328717d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-23-109949
- JSON: https://secwatch.observer/filing/0001104659-23-109949.json
- Plain text: https://secwatch.observer/filing/0001104659-23-109949.txt

## Key facts
- Earnings Releases
  GREAT SOUTHERN BANCORP, INC. reported nine months ended September 30, 2023 results: net income $54.7 million, EPS $4.52.
  - Period: nine months ended September 30, 2023
  - Net income: $54.7 million
  - EPS: $4.52
  - Result: preliminary results
  source text: Preliminary earnings for the nine months ended September 30, 2023, were $4.52 per diluted common share ($54.7 million net income) compared to $4.20 per diluted common share ($53.3 million net income) for the nine months ended September 30, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/854560/000110465923109949/0001104659-23-109949-index.htm
- Earnings Releases
  GREAT SOUTHERN BANCORP, INC. reported three months ended September 30, 2023 results: net income $15.9 million, EPS $1.33.
  - Period: three months ended September 30, 2023
  - Net income: $15.9 million
  - EPS: $1.33
  - Result: preliminary results
  source text: Great Southern Bancorp, Inc. issued a press release reporting preliminary financial results for the quarter ended September 30, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/854560/000110465923109949/0001104659-23-109949-index.htm
- Earnings Releases
  GREAT SOUTHERN BANCORP, INC. reported nine months ended September 30, 2022 results: net income $53.3 million, EPS $4.20.
  - Period: nine months ended September 30, 2022
  - Net income: $53.3 million
  - EPS: $4.20
  - Result: preliminary results
  source text: Preliminary earnings for the nine months ended September 30, 2023, were $4.52 per diluted common share ($54.7 million net income) compared to $4.20 per diluted common share ($53.3 million net income) for the nine months ended September 30, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/854560/000110465923109949/0001104659-23-109949-index.htm
- Earnings Releases
  GREAT SOUTHERN BANCORP, INC. reported three months ended September 30, 2022 results: net income $18.1 million, EPS $1.46.
  - Period: three months ended September 30, 2022
  - Net income: $18.1 million
  - EPS: $1.46
  - Result: preliminary results
  source text: preliminary earnings for the three months ended September 30, 2023, were $1.33 per diluted common share ($15.9 million net income) compared to $1.46 per diluted common share ($18.1 million net income) for the three months ended September 30, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/854560/000110465923109949/0001104659-23-109949-index.htm

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