---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-24-048495"
form_type: "8-K"
ticker: "GSBC"
cik: "0000854560"
company_name: "GREAT SOUTHERN BANCORP, INC."
filed_at: "2024-04-18T23:59:59+00:00"
generated_at: "2026-06-03T21:21:34.949279+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Great Southern Q1 EPS falls to $1.13; NPA jumps $9.5M on a single credit

## Summary
- Diluted EPS $1.13 vs $1.67 in Q1 2023; net income $13.4M down 34% YoY.
- Net interest income $44.8M fell 15.7% YoY; net interest margin 3.32% vs 3.99%.
- Non-performing assets increased $9.5M to $21.3M (0.37% of assets), mainly from one multi-family loan.
- Tangible common equity ratio 9.6%; all capital ratios well above regulatory minimums.
- Company repurchased ~112,000 shares at avg $51.44 and declared $0.40 dividend.

## SEC filing metadata
- accession: 0001104659-24-048495
- form_type: 8-K
- ticker: GSBC
- cik: 0000854560
- company_name: GREAT SOUTHERN BANCORP, INC.
- filed_at: 2024-04-18T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- 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/854560/000110465924048495/0001104659-24-048495-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/854560/000110465924048495/tm2412107d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-24-048495
- JSON: https://secwatch.observer/filing/0001104659-24-048495.json
- Plain text: https://secwatch.observer/filing/0001104659-24-048495.txt

## Key facts
- Earnings Releases
  GREAT SOUTHERN BANCORP, INC. reported the three months ended March 31, 2024 results: net income $13.4 million net income, EPS $1.13 per diluted common share.
  - Period: the three months ended March 31, 2024
  - Net income: $13.4 million net income
  - EPS: $1.13 per diluted common share
  - Result: preliminary results
  source text: reported that preliminary earnings for the three months ended March 31, 2024, were $1.13 per diluted common share ($13.4 million net income)
  evidence_url: https://www.sec.gov/Archives/edgar/data/854560/000110465924048495/0001104659-24-048495-index.htm

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