---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-26-004726"
form_type: "8-K"
ticker: "GSBC"
cik: "0000854560"
company_name: "GREAT SOUTHERN BANCORP, INC."
filed_at: "2026-07-16T16:55:20+00:00"
generated_at: "2026-07-16T16:56:12.840292+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Great Southern Bancorp Q2 EPS $1.43 vs $1.72 YoY; net income down 20% on consolidation costs

## Summary
- Net income $15.8M ($1.43 diluted EPS) vs $19.8M ($1.72) in Q2 2025, a 20% decline.
- Non-recurring charges of ~$1.6M from branch consolidation and severance; adjusted EPS $1.57.
- Net interest margin improved to 3.76% from 3.68% YoY; net interest income $49.5M, down 2.9%.
- Non-performing assets $9.4M (0.17% of assets), up from $8.1M at Dec 2025 but down from $10.1M at Mar 2026.
- Stockholders' equity $641.6M; $24.8M in common stock repurchases in H1 2026.

## SEC filing metadata
- accession: 0001171843-26-004726
- form_type: 8-K
- ticker: GSBC
- cik: 0000854560
- company_name: GREAT SOUTHERN BANCORP, INC.
- filed_at: 2026-07-16T16:55:20+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/854560/000117184326004726/0001171843-26-004726-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/854560/000117184326004726/f8k_071526.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-26-004726
- JSON: https://secwatch.observer/filing/0001171843-26-004726.json
- Plain text: https://secwatch.observer/filing/0001171843-26-004726.txt

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