---
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"
generated_at: "2026-10-22T16:02:06.690990+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-26-006766
- JSON: https://secwatch.observer/filing/0001171843-26-006766.json
- Plain text: https://secwatch.observer/filing/0001171843-26-006766.txt

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