Great Southern Bancorp, Inc. (GSBC) Earnings Call Transcripts
Great Southern Bancorp, Inc.'s Latest Earnings Call - May 13, 2026
In the first quarter of 2026, Great Southern Bancorp, Inc. (GSBC) reported a net income of $17.5 million, or $1.58 per diluted share, reflecting a slight increase from $17.2 million in the same quarter last year. For the full year 2025, the company achieved a net income of $71.0 million, up from $61.8 million in 2024, with a notable improvement in net interest margin to 3.67%. Management maintained a cautious outlook, emphasizing the importance of disciplined credit practices and strong capital management amidst a competitive banking environment, signaling stability but also the need for vigilance in loan production and deposit management.
Reported metrics
| Metric | Value |
|---|---|
| Net Income (Q1 2026) | $17.5 million (beat) |
| EPS (Q1 2026) | $1.58 (beat) |
| Net Income (FY 2025) | $71.0 million (beat) |
| Net Interest Margin (Q1 2026) | 3.71% (beat) |
| Total Deposits (Mar 31, 2026) | $4.45 billion (miss) |
| Book Value per Share (Mar 31, 2026) | $58.27 (beat) |
Guidance from management
Management signaled a cautious outlook for 2026, focusing on maintaining strong capital and liquidity while navigating competitive pressures in the banking sector. They emphasized a commitment to disciplined credit practices and long-term value creation.
What management said
Good morning. Thank you for joining us for the 2026 Great Southern Bancorp's Annual Meeting of Stockholders. We appreciate your interest and support of our company. We are ready to get started. It is my pleasure to introduce President and CEO, Joe Turner.
What analysts pressed on
Analysts expressed concerns regarding the competitive deposit environment and the recent increase in nonperforming assets. There were questions about the sustainability of loan growth and the impact of elevated borrower payoffs on future performance.
Main topics on the call
- Net Income Growth — Great Southern reported a net income of $71.0 million for 2025, up from $61.8 million in 2024, indicating a strong year-over-year growth. CEO Joe Turner noted, "Our profitability metrics continue to reflect the strength ...
- Loan Portfolio Dynamics — The loan portfolio decreased by $333 million or 7.1% in 2025 due to elevated payoffs, but showed signs of recovery with a $99.8 million increase in the first quarter of 2026. CFO Rex Copeland stated, "Payoff activity mod...
- Deposit Competition — Total deposits were approximately $4.45 billion at March 31, 2026, reflecting a modest decline from the previous quarter. Management highlighted that "deposit competition remains elevated," indicating ongoing challenges ...
- Net Interest Margin Improvement — The net interest margin improved to 3.71% in Q1 2026 from 3.57% in Q1 2025, supported by disciplined asset-liability management. Rex Copeland remarked, "This reflects continued momentum within the bank's core operations....
Read the full Great Southern Bancorp, Inc. transcript (May 13, 2026) → Summary generated from the call transcript; every figure above is stated by management on the record.
About Great Southern Bancorp, Inc.
Great Southern Bancorp, Inc. (GSBC) is a publicly listed company in the Banks industry, within the Financials sector. It trades on NasdaqGS and is based in US. EarningsCalls.dev maintains a free, full-text archive of its earnings call transcripts — 32 calls on record spanning January 22, 2020 to July 16, 2026. Every transcript is split into speaker-by-speaker segments with headline metrics, free to read or available through our REST API.
Earnings Call History
EarningsCalls.dev has 32 Great Southern Bancorp, Inc. earnings call transcripts on record, spanning January 22, 2020 to July 16, 2026. Based on this history, Great Southern Bancorp, Inc. reports quarterly. The most recent call on file is dated July 16, 2026. The full list is below — each row opens the complete, free-to-read transcript.
- Ticker
- GSBC
- Exchange
- NasdaqGS
- Country
- US
- Sector
- Financials
- Industry
- Banks
- Calls on record
- 32
- First call
- January 22, 2020
- Most recent
- July 16, 2026
- Reporting cadence
- quarterly