---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-25-006476"
form_type: "8-K"
ticker: "GSBC"
cik: "0000854560"
company_name: "GREAT SOUTHERN BANCORP, INC."
filed_at: "2025-10-16T23:59:59+00:00"
generated_at: "2026-05-17T03:38:51.141633+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Great Southern Q3 EPS $1.56 vs $1.41 YoY; net interest margin expands to 3.72%

## Summary
- Net income $17.8M ($1.56 diluted EPS) vs $16.5M ($1.41) in Q3 2024; annualized ROAA 1.23%.
- Net interest income rose 5.8% to $50.8M; net interest margin 3.72% vs 3.42% YoY.
- Non-performing assets fell to $7.8M (0.14% of assets) from $9.6M at Dec 2024; no loan provision expense.
- Net loans decreased $222.7M (4.7%) to $4.47B from Dec 2024, driven by multi-family and construction paydowns.
- Repurchased 165k shares at avg $60.33; regular dividend $0.43/sh declared; terminated swap income ($2M/qtr) ceased Oct 6.

## SEC filing metadata
- accession: 0001171843-25-006476
- form_type: 8-K
- ticker: GSBC
- cik: 0000854560
- company_name: GREAT SOUTHERN BANCORP, INC.
- filed_at: 2025-10-16T23:59:59+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/854560/000117184325006476/0001171843-25-006476-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/854560/000117184325006476/f8k_101525.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-25-006476
- JSON: https://secwatch.observer/filing/0001171843-25-006476.json
- Plain text: https://secwatch.observer/filing/0001171843-25-006476.txt

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