Great Southern Bank
Reeds Spring, Missouri, Stone County
$5.5B in total assets, the 272nd largest of 4,309 US banks and 8th of 195 headquartered in Missouri.
- FDIC certificate
- 29546
- Established
- 1923
- Owned by
- Great Southern Bcorp Inc
- Primary regulator
- FDIC
- Website
- www.greatsouthernbank.com
At a glance
Compared with 29 banks headquartered in Missouri with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $5.5B | 97% | $1.8B | |
| Loans | $4.4B | 97% | $1.2B | |
| Deposits | $4.4B | 93% | $1.4B | |
| Return on assets | 1.26% | 48% | 1.32% | |
| Net interest margin | 3.84% | 45% | 3.87% | |
| Efficiency ratio | 63.0% | 69% | 56.1% | |
| Equity to assets | 10.99% | 52% | 10.96% | |
| Loans to deposits | 100% | 83% | 93% |
Growth
Total assets grew -0.2% a year over the last 5 years and 2.3% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jun 2014 | Valley Bank Moline, IL | $456M |
| Apr 2012 | Inter Savings Bank, fsb D/B/A Interbank, fsb Maple Grove, MN | $464M |
| Oct 2011 | Sun Security Bank Ellington, MO | $351M |
| May 2010 | Southern Bancorp Bank of Trumann Rogers, AR | $113M |
| Sep 2009 | Vantus Bank Sioux City, IA | $504M |
| Mar 2009 | Teambank, National Association Paola, KS | $670M |
| Jul 1982 | Tri-Lakes Federal Savings and Loan Association Branson, MO | n/a |
| Feb 1981 | Ozark B &la of Ozark, Missouri Ozark, MO | n/a |
Where they operate
106 branches in 44 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Greene County, MO | $1.9B | 13.6% | 1 of 35 |
| St. Louis County, MO | $357M | 0.7% | 25 of 55 |
| Woodbury County, IA | $274M | 7.9% | 5 of 20 |
| Christian County, MO | $143M | 7.7% | 6 of 14 |
| St. Charles County, MO | $133M | 1.3% | 22 of 35 |
| Johnson County, KS | $132M | 0.5% | 33 of 60 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 16 branches since 2016 (122 to 106, −13.1%). 20 opened, 0 acquired, 36 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 122 | |||
| 2016 | Sold 1 branch to Community First Banking CompanySold 1 branch to Omb Bank, opened 17 in Missouri, closed 12 in 3 states | 17 | 14 | +3 | 125 |
| 2017 | Opened Bellevue and OmahaClosed 10 in 2 states | 2 | 10 | −8 | 117 |
| 2018 | Closed Paola | 0 | 1 | −1 | 116 |
| 2019 | Sold 3 branches to West Gate BankSold 1 branch to Washington County Bank, opened Neosho, closed Fayetteville and Neosho | 1 | 6 | −5 | 111 |
| 2023 | Closed Neosho | 0 | 1 | −1 | 110 |
| 2025 | Closed 4 in 2 states | 0 | 4 | −4 | 106 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 33% | 30% | |
| Multifamily | 31% | 6% | |
| 1-4 family residential | 21% | 20% | |
| Construction and land | 9% | 11% | |
| Business (C&I) | 3% | 18% | |
| Consumer | 1% | 4% | |
| Farmland | 1% | 6% | |
| Agricultural | 0% | 2% | |
| Other | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 44% | 48% | |
| Noninterest-bearing | 35% | 18% | |
| Time deposits | 21% | 34% |
Brokered deposits are 13.2% of deposits (peers 7.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.02% | 0.67% |
| Net charge-offs, annualized | 0.04% | 0.03% |
| Reserves to loans | 1.46% | 1.26% |
| Leverage ratio | 11.33% | 10.76% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Missouri
Largest competitors in Greene County, MO
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/great-southern-bank-reeds-spring-mo