---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-25-004521"
form_type: "8-K"
ticker: "GSBC"
cik: "0000854560"
company_name: "GREAT SOUTHERN BANCORP, INC."
filed_at: "2025-07-17T23:59:59+00:00"
generated_at: "2026-05-18T06:06:37.378885+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Great Southern Q2 EPS $1.72 beats $1.45 YoY; net interest income +8.9%

## Summary
- Net income $19.8M ($1.72 diluted EPS) vs $17.0M ($1.45) a year ago.
- Net interest income rose 8.9% to $51.0M; net interest margin expanded to 3.68% from 3.43%.
- Non-performing assets fell to $8.1M (0.14% of assets) from $9.6M at Dec. 31, 2024.
- Redeemed all $75M subordinated notes; repurchased 176k shares in Q2 at avg $55.11.
- Efficiency ratio improved to 59.16% from 64.27% on lower legal/professional fees.

## SEC filing metadata
- accession: 0001171843-25-004521
- form_type: 8-K
- ticker: GSBC
- cik: 0000854560
- company_name: GREAT SOUTHERN BANCORP, INC.
- filed_at: 2025-07-17T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/854560/000117184325004521/0001171843-25-004521-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/854560/000117184325004521/f8k_071625.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-25-004521
- JSON: https://secwatch.observer/filing/0001171843-25-004521.json
- Plain text: https://secwatch.observer/filing/0001171843-25-004521.txt

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