{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-26-006766","form_type":"8-K","ticker":"GSBC","cik":"0000854560","company_name":"GREAT SOUTHERN BANCORP, INC.","filed_at":"2026-10-22T16:01:19+00:00","discovered_at":"2026-10-22T16:02:00.218284+00:00","generated_at":"2026-10-22T16:02:06.690990+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Great Southern Q3 EPS falls to $1.27 on $3.5M non-cash hedge charge; $1.50 excluding item","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-26-006766","json":"https://secwatch.observer/filing/0001171843-26-006766.json","markdown":"https://secwatch.observer/filing/0001171843-26-006766.md","text":"https://secwatch.observer/filing/0001171843-26-006766.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/854560/000117184326006766/0001171843-26-006766-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/854560/000117184326006766/f8k_102126.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-22T16:02:06.690990+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}