Great Southern Q3 EPS falls to $1.27 on $3.5M non-cash hedge charge; $1.50 excluding item

GREAT SOUTHERN BANCORP, INC.

Net income $14.0M ($1.27 per diluted share) vs $17.8M ($1.56) in Q3 2025; excluding the $3.3M pre-tax hedge charge, net income was $16.5M, or $1.50 per share.
Net interest income $50.3M, down 1.0% YoY; net interest margin 3.75% vs 3.72%; non-interest income fell to $3.4M from $7.1M on a $4.1M hedge-related reduction; efficiency ratio 67.57%.
Net loans $4.25B, down $108.4M (2.5%) from Dec 31, 2025 on CRE and multi-family payoffs; NPAs $10.5M (0.18% of assets); net charge-offs $397K and no loan-loss provision.
Bought about $400M of agency MBS and CMOs yielding an expected 4.80-5.00%, funded with FHLB borrowings; expects ~$520K of added interest income per quarter through Q1 2028.
Nine banking centers consolidated and 66 positions eliminated effective Oct 1, 2026, expected to add over $2M in annual pre-tax income; 159,212 shares repurchased, new 1M-share authorization.

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