---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-24-048315"
form_type: "8-K"
ticker: "GSBC"
cik: "0000854560"
company_name: "GREAT SOUTHERN BANCORP, INC."
filed_at: "2024-04-17T23:59:59+00:00"
generated_at: "2026-06-03T21:58:59.851616+00:00"
event_type: "other_material"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Great Southern Bancorp's non-performing loans surge 81% to $21.3M in Q1 2024

## Summary
- Total gross loans essentially flat at $4.67B as of March 31, 2024, up $1.8M from December 31, 2023.
- Non-performing loans rose to $21.3M from $11.7M, an increase of $9.5M or 81%.
- Multi-family real estate loans grew 10.4% to $1.04B from $942.1M, reflecting new originations.
- Commercial real estate office ($212.9M, avg loan $1.5M, 41% LTV) and retail ($306.7M, avg $1.7M, ~55% LTV) portfolios remain 100% pass-rated.
- Construction & land development loans decreased slightly to $792.7M from $804.4M.

## SEC filing metadata
- accession: 0001104659-24-048315
- form_type: 8-K
- ticker: GSBC
- cik: 0000854560
- company_name: GREAT SOUTHERN BANCORP, INC.
- filed_at: 2024-04-17T23:59:59+00:00
- event_type: other_material
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 7.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/854560/000110465924048315/0001104659-24-048315-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/854560/000110465924048315/tm2411874d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-24-048315
- JSON: https://secwatch.observer/filing/0001104659-24-048315.json
- Plain text: https://secwatch.observer/filing/0001104659-24-048315.txt

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