secwatch.observer — SEC 8-K summary
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Issuer:     GREAT SOUTHERN BANCORP, INC. (GSBC)
CIK:        0000854560
Form:       8-K
Filed at:   2024-01-23T23:59:59+00:00
Accession:  0001104659-24-005658
Event type: earnings
Sentiment:  negative
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/854560/000110465924005658/0001104659-24-005658-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/854560/000110465924005658/tm243804d2_8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-24-005658

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