Great Southern Bank: how it compares with its peers
Against 30 MS banks with half to twice its assets, Great Southern Bank's strongest measure in Q2 2026 is return on assets (0.67% vs. a 1.15% peer median). Its weakest relative measure is assets per employee ($3.8M vs. $5.2M).
| Measure | Great Southern Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.67% | 1.15% | Bottom third Ahead of 17% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.34% | 4.03% | Bottom third Ahead of 13% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 82.57% | 64.98% | Bottom third Ahead of 10% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.8M | $5.2M | Bottom third Ahead of 3% of peers |
| Loans to deposits Net loans and leases over total deposits. | 45.76% | 69.14% | Context |
What it means for lending operations
Its efficiency ratio of 82.57% is above the 64.98% 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
- BankOkolona Okolona, MS · $360M
- Bank of Kilmichael Kilmichael, MS · $342M
- The Cleveland State Bank Cleveland, MS · $340M
- Copiah Bank Hazlehurst, MS · $332M
- First Federal Savings and Loan Association Pascagoula, MS · $381M
- First National Bank of Clarksdale Clarksdale, MS · $386M
Questions about Great Southern Bank
How big is Great Southern Bank?
Great Southern Bank, established in 1902, is headquartered in Meridian, MS. It reported $355M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Great Southern Bank's return on assets?
0.67% annualized in Q2 2026, against a 1.15% median for 30 MS banks with half to twice its assets, ahead of 17% of them.
What is Great Southern Bank's efficiency ratio?
82.57% in Q2 2026: it spent about 83 cents in noninterest expense for each dollar of revenue. The peer median is 64.98%, and lower is better.
Is Great Southern Bank growing its loans?
Net loans grew 3.9% over the year to Q2 2026, while deposits grew 1.4%.
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 MS 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 Mississippi bank ranked.