Great Southern Bank: how it compares with its peers
Against 8 MO banks with half to twice its assets, Great Southern Bank's strongest measure in Q2 2026 is net interest margin (3.84% vs. a 3.62% peer median). Its weakest relative measure is assets per employee ($5.8M vs. $7.5M).
| Measure | Great Southern Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.26% | 1.32% | Middle third Ahead of 38% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.84% | 3.62% | Top third Ahead of 75% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.05% | 54.03% | Bottom third Ahead of 25% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $7.5M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 98.61% | 93.62% | Context |
What it means for lending operations
Its efficiency ratio of 63.05% is above the 54.03% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Southern Bank Poplar Bluff, MO · $5.19B
- First State Community Bank Farmington, MO · $4.51B
- First Bank St. Louis, MO · $6.65B
- The Bank of Missouri Perryville, MO · $4.23B
- Oakstar Bank Springfield, MO · $3.29B
- Academy Bank, National Association Kansas City, MO · $3.23B
Questions about Great Southern Bank
How big is Great Southern Bank?
Great Southern Bank, established in 1923, is headquartered in Reeds Spring, MO. It reported $5.53B in total assets in its Q2 2026 FDIC call report and operates 108 offices.
What is Great Southern Bank's return on assets?
1.26% annualized in Q2 2026, against a 1.32% median for 8 MO banks with half to twice its assets, ahead of 38% of them.
What is Great Southern Bank's efficiency ratio?
63.05% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 54.03%, and lower is better.
Is Great Southern Bank growing its loans?
Net loans shrank 4.9% over the year to Q2 2026, while deposits shrank 7.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.