Revenue: As of FY2025 Q4, the actual value is USD 80.62 M.EPS: As of FY2025 Q4, the actual value is USD 1.45, beating the estimate of USD 1.34.EBIT: As of FY2025 Q4, the actual value is USD -29.69 M.<h4>Net Income</h4>Great Southern Bancorp, Inc. (南方万通金控) reported net income of $16.3 million in Q4 2025, an increase of 9.1% from $14.9 million in Q4 2024, and $71.0 million for full-year 2025, up from $61.8 million in full-year 2024.<h4>Net Interest Income</h4>Net interest income for Great Southern Bancorp, Inc. (南方万通金控) was $49.2 million in Q4 2025, a decrease of $371,000 (0.7%) year-over-year from $49.5 million in Q4 2024, and a decrease of $1.6 million (3.2%) quarter-over-quarter from Q3 2025. For the full-year, net interest income was $200.2 million in 2025, compared to $189.1 million in 2024.<h4>Non-Interest Income</h4>Total non-interest income increased by 3.7% to $7.2 million in Q4 2025 from $6.9 million in Q4 2024. For the full-year, non-interest income was $29.1 million in 2025, down from $30.6 million in 2024. Key components in Q4 2025 included POS and ATM fee income and service charges at $3.2 million (a 3.4% decrease), overdraft and insufficient funds fees at $1.33 million (a 1.5% increase), late charges and fees on loans at $421,000 (a 218.9% increase), and net gains on loan sales at $862,000 (a 4.1% decrease). Other Income in Q4 2025 included - $259,000 from leased facility asset disposals.<h4>Non-Interest Expense</h4>Total non-interest expense declined to $36.0 million in Q4 2025, a reduction of $947,000 from $36.9 million in Q4 2024, primarily due to expenses from a contractual dispute in Q4 2024. For the full-year, non-interest expense was $141.9 million in 2025, compared to $141.5 million in 2024. Net Occupancy and Equipment Expense increased by $1.2 million year-over-year to $9.5 million in Q4 2025, while Salaries and Employee Benefits increased by $136,000 to $19.6 million.<h4>Provision for Credit Losses</h4>Provision for credit losses on loans and unfunded commitments was $882,000 in Q4 2025, compared to $1.6 million in Q4 2024. For full-year 2025, the provision for credit losses on loans was $0, and for unfunded commitments was $45,000.<h4>Operational Metrics</h4><ul><li>Annualized Return on Average Assets (ROAA): 1.16% in Q4 2025, up from 1.00% in Q4 2024.</li><li>Annualized Return on Average Common Equity (ROACE): 10.16% in Q4 2025, up from 9.76% in Q4 2024.</li><li>Net Interest Margin (NIM): 3.70% in Q4 2025, up from 3.49% in Q4 2024.</li><li>Efficiency Ratio: 63.89% in Q4 2025, improved from 65.43% in Q4 2024.</li><li>Non-interest Expense to Average Total Assets: 2.56% in Q4 2025, compared to 2.46% in Q4 2024.</li></ul><h4>Asset Quality</h4>Non-performing assets (NPAs) were $8.1 million (0.15% of total assets) as of December 31, 2025, a decrease from $9.6 million (0.16% of total assets) as of December 31, 2024. Non-performing loans to period-end loans were 0.05% as of December 31, 2025, down from 0.07% as of December 31, 2024. The Allowance for Credit Losses (ACL) was 1.46% of total loans as of December 31, 2025, compared to 1.36% as of December 31, 2024. Total net recoveries were $22,000 in Q4 2025, compared to total net charge-offs of $155,000 in Q4 2024. Total non-performing loans were $2,094 thousand as of December 31, 2025, an increase from $1,728 thousand as of September 30, 2025.<h4>Loans</h4>Total gross loans for Great Southern Bancorp, Inc. (南方万通金控) were $4,434,516 thousand as of December 31, 2025, a decrease from $4,543,707 thousand as of September 30, 2025. Total net loans were $4.36 billion as of December 31, 2025, a decrease of $333.5 million (7.1%) from $4.69 billion as of December 31, 2024. This decline was primarily due to reductions in other residential (multi-family) loans (-$161.8 million), construction loans (-$96.5 million), one- to four-family residential loans (-$51.3 million), and commercial business loans (-$41.8 million) in 2025. Unfunded commitments totaled $1.13 billion as of December 31, 2025, with $605.5 million from unfunded construction loans.<h4>Loan Portfolio by Category (as of December 31, 2025)</h4><ul><li>Commercial Real Estate: $1,556,148 thousand (35%)</li><li>Multi-family Real Estate: $1,387,410 thousand (31%)</li><li>Single Family Real Estate: $788,835 thousand (18%)</li><li>Construction &amp; Land Development: $349,161 thousand (8%)</li><li>Commercial Business: $178,514 thousand (4%)</li><li>Consumer loans: $174,448 thousand (4%), including Home Equity Loans of $128,030 thousand.</li></ul><h4>Deposits</h4>Total deposits were $4.48 billion as of December 31, 2025, a decrease of $122.8 million from $4.61 billion as of December 31, 2024. Interest-bearing checking balances increased by $74.7 million (3.4%), while non-interest-bearing checking balances decreased by $1.4 million (0.2%). Time deposits decreased by $87.3 million (11.3%), and brokered deposits decreased by $108.7 million (14.1%). Uninsured deposits were approximately $720.1 million (16.1% of total deposits) as of December 31, 2025.<h4>Liquidity and Capital</h4>Total Stockholders’ Equity increased by $36.6 million to $636.1 million as of December 31, 2025, up from $599.6 million as of December 31, 2024. The Tangible Common Equity Ratio was 11.2% as of December 31, 2025, up from 9.9% as of December 31, 2024. Book Value Per Common Share was $57.50 as of December 31, 2025, compared to $51.14 as of December 31, 2024. Capital ratios as of December 31, 2025, included a Tier 1 Leverage Ratio of 12.2%, Common Equity Tier 1 Capital Ratio of 13.6%, Tier 1 Capital Ratio of 14.1%, and Total Capital Ratio of 15.3%. The company repurchased 241,301 shares in Q4 2025 at an average price of $59.33, and 755,759 shares for the full-year 2025 at an average price of $58.35.<h4>Outlook / Guidance</h4>Great Southern Bancorp, Inc. (南方万通金控) plans to continue investing in technology in 2026 and anticipates an effective tax rate of approximately 18.5% to 19.5% in future periods. The company aims to maintain strong capital and liquidity, deploy capital thoughtfully, and support customers and communities in 2026. This strategy is intended to position the company to deliver long-term value despite potential economic fluctuations.

Great Southern Bancorp | 8-K: FY2025 Q4 Revenue: USD 80.62 M