---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-25-000370"
form_type: "8-K"
ticker: "GSBC"
cik: "0000854560"
company_name: "GREAT SOUTHERN BANCORP, INC."
filed_at: "2025-01-22T23:59:59+00:00"
generated_at: "2026-05-27T21:39:29.995387+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Great Southern Bancorp Q4 EPS $1.27 vs $1.11 YoY; NIM expands to 3.49%

## Summary
- Net income $14.9M ($1.27 diluted EPS) vs $13.1M ($1.11) in Q4 2023, driven by higher net interest income.
- Net interest income $49.5M, up 9.7% YoY; net interest margin 3.49% vs 3.30% a year ago.
- Non-performing assets $9.6M (0.16% of assets), down from $11.8M (0.20%) at Dec 2023.
- Recorded $2.0M litigation/contract dispute expense in Q4, reducing EPS by $0.13.
- Full year 2024 EPS $5.26 vs $5.61 in 2023; net income $61.8M vs $67.8M.

## SEC filing metadata
- accession: 0001171843-25-000370
- form_type: 8-K
- ticker: GSBC
- cik: 0000854560
- company_name: GREAT SOUTHERN BANCORP, INC.
- filed_at: 2025-01-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/854560/000117184325000370/0001171843-25-000370-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/854560/000117184325000370/f8k_012225.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-25-000370
- JSON: https://secwatch.observer/filing/0001171843-25-000370.json
- Plain text: https://secwatch.observer/filing/0001171843-25-000370.txt

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