---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-24-005658"
form_type: "8-K"
ticker: "GSBC"
cik: "0000854560"
company_name: "GREAT SOUTHERN BANCORP, INC."
filed_at: "2024-01-23T23:59:59+00:00"
generated_at: "2026-06-06T20:22:57.244396+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Great Southern Q4 EPS $1.11 vs $1.84 YoY; NPAs rise $13.8M to $19.1M

## Summary
- Net income $13.1M ($1.11 diluted EPS) vs $22.6M ($1.84) in Q4 2022; full-year EPS $5.61 vs $6.02.
- Net interest margin fell 69bp YoY to 3.30%; net interest income down $9.5M to $45.1M.
- Non-performing assets increased $13.8M to $19.1M, driven by an $8.6M office building loan.
- Capital strong: Tier 1 Leverage 11.0%, TCE ratio 9.7%; uninsured deposits 15% of total.
- Non-recurring expenses of ~$2.1M in Q4 related to core system conversion, FDIC insurance, and fraud.

## SEC filing metadata
- accession: 0001104659-24-005658
- form_type: 8-K
- ticker: GSBC
- cik: 0000854560
- company_name: GREAT SOUTHERN BANCORP, INC.
- filed_at: 2024-01-23T23:59:59+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/854560/000110465924005658/0001104659-24-005658-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/854560/000110465924005658/tm243804d2_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-24-005658
- JSON: https://secwatch.observer/filing/0001104659-24-005658.json
- Plain text: https://secwatch.observer/filing/0001104659-24-005658.txt

## Key facts
- Earnings Releases
  GREAT SOUTHERN BANCORP, INC. reported year ended December 31, 2023 results: net income $67.8 million net income, EPS $5.61 per diluted common share.
  - Period: year ended December 31, 2023
  - Net income: $67.8 million net income
  - EPS: $5.61 per diluted common share
  - Result: preliminary results
  source text: Preliminary earnings for the year ended December 31, 2023, were $5.61 per diluted common share ($67.8 million net income) compared to $6.02 per diluted common share ($75.9 million net income) for the year ended December 31, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/854560/000110465924005658/0001104659-24-005658-index.htm
- Earnings Releases
  GREAT SOUTHERN BANCORP, INC. reported quarter and year ended December 31, 2023 results: net income $13.1 million net income, EPS $1.11 per diluted common share.
  - Period: quarter and year ended December 31, 2023
  - Net income: $13.1 million net income
  - EPS: $1.11 per diluted common share
  - Result: preliminary results
  source text: Great Southern Bancorp, Inc. (NASDAQ:GSBC), the holding company for Great Southern Bank, today reported that preliminary earnings for the three months ended December 31, 2023, were $1.11 per diluted common share ($13.1 million net income) compared to $1.84 per diluted common share ($22.6 million net income) for the three months ended December 31, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/854560/000110465924005658/0001104659-24-005658-index.htm

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