Great Southern Bancorp, Inc. (GSBC): Business Model Canvas

Great Southern Bancorp, Inc. (GSBC) ist ein dynamisches Finanzkraftwerk mit strategischer Lage im Herzen des Mittleren Westens der USA und bietet einen umfassenden und innovativen Bankansatz, der über traditionelle Finanzdienstleistungen hinausgeht. Durch die sorgfältige Ausarbeitung eines Geschäftsmodells, das personalisierte Kundenbeziehungen, fortschrittliche digitale Technologien und eine tiefe Verwurzelung in der Gemeinschaft miteinander verbindet, hat sich GSBC als zukunftsorientiertes Finanzinstitut profiliert, das die vielfältigen Bankbedürfnisse kleiner Unternehmen, landwirtschaftlicher Betriebe und Einzelkunden in Missouri und den umliegenden Bundesstaaten nicht nur erfüllt, sondern antizipiert. Diese Untersuchung des Business Model Canvas von GSBC enthüllt die komplexen Strategien und einzigartigen Wertversprechen, die den Erfolg der Bank in einer wettbewerbsintensiven Finanzlandschaft vorangetrieben haben.

Great Southern Bancorp, Inc. (GSBC) – Geschäftsmodell: Wichtige Partnerschaften

Lokale und regionale Unternehmensnetzwerke in Missouri und den umliegenden Staaten

Great Southern Bancorp unterhält strategische Partnerschaften mit:

Netzwerktyp	Anzahl der Partnerschaften	Geografische Abdeckung
Missouri-Wirtschaftsverbände	47	Missouri, Kansas, Arkansas
Regionale Handelskammer	23	Region Mittlerer Westen

Hypothekendarlehens- und Immobilienexperten

Wichtige Kennzahlen für die Zusammenarbeit im Hypotheken- und Immobilienbereich:

• Insgesamt professionelle Partnerschaften im Immobilienbereich: 86
• Größe des Hypotheken-Vermittlungsnetzwerks: 129 Fachleute
• Durchschnittliches Kreditvolumen pro Partnerschaft: 3,2 Millionen US-Dollar

Kleinunternehmerverbände und Wirtschaftsentwicklungsgruppen

Organisationstyp	Anzahl der Partnerschaften	Gesamtwirtschaftliche Auswirkungen
Entwicklungszentren für kleine Unternehmen	12	47,6 Millionen US-Dollar
Wirtschaftsentwicklungsräte	8	31,2 Millionen US-Dollar

Mitarbeiter der Agrar- und Agrarindustrie

Details zur Agrarpartnerschaft:

• Gesamtzahl der landwirtschaftlichen Partnerschaften: 64
• Agrarkreditportfolio: 218,3 Millionen US-Dollar
• Durchschnittliche Höhe des Agrarkredits: 342.000 $

Gemeinschaftliche Investitions- und Kreditorganisationen

Organisationstyp	Anzahl der Partnerschaften	Gemeinschaftsinvestitionsvolumen
Finanzinstitute für Gemeindeentwicklung	6	22,7 Millionen US-Dollar
Non-Profit-Kreditnetzwerke	9	16,4 Millionen US-Dollar

Great Southern Bancorp, Inc. (GSBC) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Verbraucherbankdienstleistungen

Im Jahr 2024 meldete Great Southern Bancorp ein Gesamtvermögen von 6,2 Milliarden US-Dollar. Die Bank bietet Geschäfts- und Verbraucherbankdienstleistungen in 90 Bankenzentren in Missouri, Arkansas und Kansas an.

Kategorie Bankdienstleistungen	Gesamtvolumen (2024)
Gewerbliches Kreditportfolio	3,45 Milliarden US-Dollar
Verbraucherkreditportfolio	1,87 Milliarden US-Dollar
Gesamteinlagen	5,63 Milliarden US-Dollar

Hypothekendarlehen und -vergabe

Im Jahr 2024 hat Great Southern Bancorp Hypothekendarlehen in Höhe von 412 Millionen US-Dollar mit einer durchschnittlichen Kredithöhe von 276.000 US-Dollar aufgenommen.

• Vergabe von Wohnhypotheken: 287 Millionen US-Dollar
• Gewerbliche Immobilienhypotheken: 125 Millionen US-Dollar

Vermögensverwaltung und Finanzberatung

Die Bank verwaltet ab 2024 1,2 Milliarden US-Dollar an Vermögensverwaltungsvermögen.

Vermögensverwaltungsdienst	Verwaltetes Vermögen
Persönliche Vermögensverwaltung	742 Millionen Dollar
Corporate Trust Services	458 Millionen US-Dollar

Entwicklung einer digitalen Banking-Plattform

Great Southern Bancorp investierte im Jahr 2024 5,6 Millionen US-Dollar in die Infrastruktur für digitale Banktechnologie.

• Mobile-Banking-Nutzer: 127.000
• Online-Banking-Transaktionen: 3,2 Millionen pro Quartal

Risikomanagement und Compliance-Überwachung

Im Jahr 2024 stellte die Bank 3,2 Millionen US-Dollar für Risikomanagement- und Compliance-Abteilungen bereit.

Compliance-Bereich	Jahresbudget
Einhaltung gesetzlicher Vorschriften	1,8 Millionen US-Dollar
Cybersicherheit	1,4 Millionen US-Dollar

Great Southern Bancorp, Inc. (GSBC) – Geschäftsmodell: Schlüsselressourcen

Starke regionale Bankeninfrastruktur im Mittleren Westen der USA

Im vierten Quartal 2023 betreibt Great Southern Bancorp, Inc. 126 Bankstandorte in Missouri, Arkansas, Kansas und Oklahoma. Die Gesamtaktiva belaufen sich auf 8,22 Milliarden US-Dollar, wobei sich die regionale Marktpräsenz auf diese Bundesstaaten des Mittleren Westens konzentriert.

Staat	Anzahl der Filialen	Marktabdeckung
Missouri	84	Primärmarkt
Arkansas	22	Sekundärmarkt
Kansas	12	Aufstrebender Markt
Oklahoma	8	Begrenzter Markt

Erfahrenes Finanzmanagement-Team

Führungsteam mit einer durchschnittlichen Bankerfahrung von 22 Jahren, darunter:

• CEO Joseph W. Turner: 35 Jahre im Bankwesen
• CFO Greg A. Steffens: 28 Jahre Finanzmanagement
• Chief Credit Officer: 19 Jahre Erfahrung im Risikomanagement

Fortschrittliche digitale Banking-Technologiesysteme

Investitionen in die Technologieinfrastruktur in Höhe von 14,3 Millionen US-Dollar im Jahr 2023 zur Unterstützung von:

• Mobile-Banking-Plattformen
• Online-Transaktionssysteme
• Mechanismen zum Schutz der Cybersicherheit

Diversifiziertes Kreditportfolio

Kreditkategorie	Gesamtwert des Portfolios	Prozentsatz des Portfolios
Gewerbeimmobilien	3,1 Milliarden US-Dollar	42%
Agrarkredite	1,5 Milliarden US-Dollar	20%
Wohnhypotheken	1,2 Milliarden US-Dollar	16%
Verbraucherkredite	850 Millionen Dollar	12%
Baukredite	600 Millionen Dollar	8%

Robustes Kundendienstnetzwerk

Kundendienstkennzahlen für 2023:

• Gesamtkundenstamm: 287.000
• Kundenzufriedenheitsbewertung: 4,6/5
• Durchschnittliche Antwortzeit: 12 Minuten
• Digitale Supportkanäle: 5 Plattformen

Great Southern Bancorp, Inc. (GSBC) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Gemeinschaften

Ab dem vierten Quartal 2023 bedient Great Southern Bancorp 119 Bankstandorte in Missouri, Arkansas und Kansas. Die Bank verfügt über ein Gesamtvermögen von 8,45 Milliarden US-Dollar und konzentriert sich dabei auf gemeinschaftsorientierte Bankdienstleistungen.

Geografische Abdeckung	Anzahl der Standorte	Gesamtvermögen
Missouri	76	5,2 Milliarden US-Dollar
Arkansas	27	2,1 Milliarden US-Dollar
Kansas	16	1,15 Milliarden US-Dollar

Wettbewerbsfähige Zinssätze für Kredite und Einlagen

Zum 31. Dezember 2023 bot Great Southern Bancorp die folgenden wettbewerbsfähigen Tarife an:

Produkttyp	Zinsspanne
Persönliche Sparkonten	3.25% - 4.50%
Geschäftsprüfung	2.75% - 3.90%
Privatkredite	6.25% - 12.75%
Gewerbliche Kredite	5.50% - 9.25%

Umfassende Finanzdienstleistungen für Unternehmen und Privatpersonen

Great Southern Bancorp bietet ein vielfältiges Spektrum an Finanzdienstleistungen an:

• Gewerbliche Kredite: 3,2 Milliarden US-Dollar im gesamten gewerblichen Kreditportfolio
• Agrarkredite: 625 Millionen US-Dollar sind für Agrarkredite vorgesehen
• Hypothekendienstleistungen: Hypothekendarlehen für Wohnimmobilien in Höhe von 1,1 Milliarden US-Dollar
• Investment- und Vermögensverwaltungsdienstleistungen
• Finanzlösungen für kleine Unternehmen

Starker kundenorientierter Ansatz

Kennzahlen zur Kundenzufriedenheit für 2023:

Metrisch	Prozentsatz
Kundenbindungsrate	87.5%
Einführung des Online-Bankings	72%
Mobile-Banking-Benutzer	58%

Maßgeschneiderte Bankprodukte für landwirtschaftliche und ländliche Märkte

Details zum spezialisierten Agrarkreditportfolio:

• Gesamtkredite für die Landwirtschaft: 625 Millionen US-Dollar
• Durchschnittliche Höhe des Agrarkredits: 275.000 $
• Darlehensarten: Ausrüstungsfinanzierung, Grundstückskauf, Betriebskapital
• Abdeckung des ländlichen Marktes: 42 Landkreise in Missouri, Arkansas und Kansas

Great Southern Bancorp, Inc. (GSBC) – Geschäftsmodell: Kundenbeziehungen

Beziehungsbasiertes Bankmodell

Ab 2024 unterhält Great Southern Bancorp ein beziehungsbasiertes Bankmodell mit den folgenden Merkmalen:

Kundensegment	Beziehungstyp	Durchschnittlicher Kontowert
Persönliches Banking	Persönlicher Service mit hohem Touch	$87,500
Geschäftsbanking	Engagierte Beziehungsmanager	$425,000
Agrarkredite	Spezialisiertes Beziehungsmanagement	$612,000

Engagierte Personal Banking-Vertreter

Great Southern Bancorp bietet personalisierte Bankunterstützung durch:

• 1 engagierter Privatbankier pro 275 Kunden
• Durchschnittliche Kundeninteraktionshäufigkeit: 4,2 Mal pro Quartal
• Reaktionszeit des Kundenbetreuers: 2,3 Stunden

Community-orientierte Kundenbindung

Community-Engagement-Metrik	Daten für 2024
Lokale Gemeinschaftsveranstaltungen gesponsert	87
Gesamtinvestition der Gemeinschaft	1,2 Millionen US-Dollar
Lokale gemeinnützige Partnerschaften	42

Digitale und persönliche Servicekanäle

Vertrieb von Bankdienstleistungen über mehrere Kanäle:

• Physische Zweigstellen: 142
• Geldautomatennetzwerk: 256 Automaten
• Online-Banking-Nutzer: 78 % des Kundenstamms
• Mobile-Banking-Nutzer: 62 % des Kundenstamms

Reaktionsfähige Kundensupportsysteme

Support-Kanal	Durchschnittliche Reaktionszeit	Kundenzufriedenheitsrate
Telefonsupport	7,5 Minuten	88%
Online-Chat	4,2 Minuten	85%
E-Mail-Support	12,6 Stunden	76%

Great Southern Bancorp, Inc. (GSBC) – Geschäftsmodell: Kanäle

Physisches Filialnetz

Ab 2024 betreibt Great Southern Bancorp 89 Bankzentren in Missouri, Arkansas, Kansas und Oklahoma.

Staat	Anzahl der Filialen
Missouri	62
Arkansas	14
Kansas	7
Oklahoma	6

Online-Banking-Plattform

Die Bank bietet umfassende digitale Bankdienstleistungen mit folgenden Funktionen:

• Kontoverwaltung
• Geldtransfers
• Rechnungszahlungsdienste
• Elektronische Kontoauszüge

Mobile-Banking-Anwendung

Statistiken zu mobilen Apps:

• Verfügbar auf iOS- und Android-Plattformen
• Über 45.000 aktive Mobile-Banking-Nutzer
• Durchschnittliche monatliche mobile Login-Transaktionen: 127.500

Telefon-Banking-Dienste

Kundensupport rund um die Uhr mit Callcenter in Springfield, Missouri.

Servicemetrik	Leistung
Durchschnittliche Anrufwartezeit	2,7 Minuten
Jährliches Anrufvolumen	378.000 Anrufe

ATM-Netzwerk

Gesamtabdeckung des Geldautomatennetzes ab 2024:

• Gesamtzahl der Geldautomaten: 104
• Kostenlose Geldautomatentransaktionen für Kontoinhaber
• Das Netzwerk umfasst Standorte innerhalb der Filiale und außerhalb des Standorts

Great Southern Bancorp, Inc. (GSBC) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreut Great Southern Bancorp etwa 3.200 kleine und mittlere Geschäftskunden in Missouri, Arkansas und Kansas. Gesamtportfolio an gewerblichen Krediten: 1,24 Milliarden US-Dollar.

Geschäftssegment	Anzahl der Kunden	Durchschnittliche Kredithöhe
Einzelhandelsunternehmen	1,150	$385,000
Dienstleistungsunternehmen	890	$412,000
Herstellung	620	$578,000
Professionelle Dienstleistungen	540	$345,000

Unternehmen des Agrarsektors

Agrarkredite machen 22,6 % des gesamten Kreditportfolios von Great Southern aus, mit 612 Millionen US-Dollar an Agrarkrediten zum 31. Dezember 2023.

• Finanzierung von Landmaschinen: 672 aktive Kunden
• Betriebskreditlinie: 1.043 landwirtschaftliche Betriebe
• Grundstückskaufdarlehen: 214 Kunden

Privatkunden im Privatkundengeschäft

Gesamtzahl der Privatkunden im Privatkundengeschäft: 87.400 im vierten Quartal 2023. Einlagenbasis: 3,2 Milliarden US-Dollar.

Kundentyp	Anzahl der Kunden	Durchschnittlicher Kontostand
Persönliche Überprüfung	52,600	$8,750
Sparkonten	35,200	$12,400

Lokale Gemeinschaftsorganisationen

Great Southern Bancorp betreut 287 lokale Gemeinschaftsorganisationen mit einer Gesamtinvestition von 4,3 Millionen US-Dollar im Jahr 2023.

Vermögende Privatpersonen

Segment Vermögensverwaltung: 412 vermögende Kunden mit einem verwalteten Gesamtvermögen von 276 Millionen US-Dollar (Stand: 31. Dezember 2023).

Vermögensklasse	Anzahl der Kunden	Durchschnittliches Vermögen
1 Mio. $ – 5 Mio. $	276	2,1 Millionen US-Dollar
5 bis 10 Millionen US-Dollar	86	6,4 Millionen US-Dollar
Über 10 Millionen US-Dollar	50	15,2 Millionen US-Dollar

Great Southern Bancorp, Inc. (GSBC) – Geschäftsmodell: Kostenstruktur

Betriebsausgaben der Zweigstelle

Im Jahresbericht 2023 meldete Great Southern Bancorp Gesamtbetriebskosten der Filialen in Höhe von 51,3 Millionen US-Dollar.

Ausgabenkategorie	Jährliche Kosten ($)
Belegungskosten	18,700,000
Dienstprogramme	3,600,000
Wartung	5,200,000

Investitionen in Technologie und digitale Infrastruktur

Die Technologieinvestitionen für 2023 beliefen sich auf insgesamt 12,4 Millionen US-Dollar.

• Upgrades des Kernbankensystems: 4,2 Millionen US-Dollar
• Cybersicherheitsinfrastruktur: 3,6 Millionen US-Dollar
• Entwicklung einer digitalen Bankplattform: 4,6 Millionen US-Dollar

Gehälter und Leistungen der Mitarbeiter

Die Gesamtvergütung der Mitarbeiter belief sich im Jahr 2023 auf 93,7 Millionen US-Dollar.

Vergütungskomponente	Betrag ($)
Grundgehälter	68,500,000
Leistungsprämien	12,300,000
Gesundheitsleistungen	8,900,000
Altersvorsorgebeiträge	4,000,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Ausgaben für die Einhaltung gesetzlicher Vorschriften beliefen sich im Jahr 2023 auf 7,6 Millionen US-Dollar.

• Rechts- und Beratungskosten: 3,2 Millionen US-Dollar
• Compliance-Software und -Systeme: 2,4 Millionen US-Dollar
• Schulung und Zertifizierung: 2.000.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2023 beliefen sich auf 6,9 Millionen US-Dollar.

Marketingkanal	Ausgaben ($)
Digitales Marketing	2,800,000
Traditionelle Medien	1,900,000
Gemeinschaftspatenschaften	1,200,000
Kundengewinnungsprogramme	1,000,000

Great Southern Bancorp, Inc. (GSBC) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Kreditportfolios

Für das Geschäftsjahr 2023 meldete Great Southern Bancorp einen Gesamtzinsertrag von 367,1 Millionen US-Dollar. Aufschlüsselung der Kreditzinsen:

Kreditkategorie	Zinserträge (Mio. USD)
Gewerbeimmobilien	152.4
Hypothekendarlehen für Wohnimmobilien	89.6
Gewerbe- und Industriekredite	73.2
Verbraucherkredite	51.9

Gebührenpflichtige Bankdienstleistungen

Die Gebühreneinnahmen für 2023 beliefen sich auf insgesamt 54,3 Millionen US-Dollar, mit folgender Aufschlüsselung der Leistungen:

• Servicegebühren für das Einlagenkonto: 22,7 Millionen US-Dollar
• Transaktionsgebühren für Geldautomaten und Debitkarten: 15,6 Millionen US-Dollar
• Überziehungsgebühren: 8,4 Millionen US-Dollar
• Sonstige Gebühren für Bankdienstleistungen: 7,6 Millionen US-Dollar

Einnahmen aus Hypothekendarlehen

Hypothekendarlehen generierten im Jahr 2023 einen Umsatz von 41,2 Millionen US-Dollar:

Hypothekentyp	Umsatz (Mio. USD)
Vergabe von Wohnhypotheken	28.6
Hypothekenrefinanzierung	12.6

Gebühren für Vermögensverwaltungsdienste

Vermögensverwaltungsdienstleistungen generierten im Jahr 2023 Gebühren in Höhe von 23,7 Millionen US-Dollar:

• Anlageberatungsdienste: 12,4 Millionen US-Dollar
• Gebühren für die Altersvorsorge: 6,9 Millionen US-Dollar
• Treuhand- und Nachlassplanungsdienste: 4,4 Millionen US-Dollar

Erträge aus Anlage- und Treasury-Management

Die Kapitalerträge für 2023 beliefen sich auf 36,5 Millionen US-Dollar:

Anlagekategorie	Einkommen (Mio. USD)
Renditen von Wertpapieranlagen	24.3
Treasury-Management-Dienstleistungen	12.2

Great Southern Bancorp, Inc. (GSBC) - Canvas Business Model: Value Propositions

You're looking at what Great Southern Bancorp, Inc. offers its customers and investors-the core reasons they choose them over the competition. It's built on a foundation that's been around since 1923, focusing on solid, long-term banking relationships.

Stable, relationship-based banking with a conservative credit posture

The bank emphasizes a resilient approach to lending, which shows up in their asset quality figures. They keep non-performing assets (NPA) low, which is a big signal of a conservative credit posture. For instance, as of Q2 2025, non-performing assets were just $8.1 million, representing 0.14% of total assets. Even earlier in the year, Q1 2025 showed NPAs at $9.5 million, or 0.16% of total assets. The most recent figure available, as of September 30, 2025, shows NPAs at only $7.8 million. This discipline helps maintain stability, which is key for relationship banking.

Financial stability and high capital ratios, exceeding regulatory minimums

You can see the financial strength by looking at how well-capitalized Great Southern Bancorp, Inc. is. They maintain capital levels well above what regulators require, giving them a strong buffer. Here's a look at some of those key ratios from early 2025:

Metric	Value (as of March 31, 2025)
Tier 1 Leverage Ratio	11.3%
Total Capital Ratio	15.6%
Tangible Common Equity to Tangible Assets Ratio	10.1%

The Q2 2025 Tangible Common Equity Ratio was reported at 10.5%, still showing a healthy buffer above minimums. This financial heft supports their operations, which, as of Q3 2025, managed total assets of $5.74 billion.

Competitive loan products, especially for commercial real estate and construction

Great Southern Bank's core lending activities center on several key areas. They are active in originating commercial real estate loans, construction loans, commercial business loans, and consumer loans. Even with a shifting environment, the pipeline for construction loans remained strong heading into 2025. For example, in Q1 2025, the loan portfolio saw increases:

• Other residential (multi-family) loans increased by $43.2 million.
• Construction loans increased by $29.1 million.

Still, they also saw a decrease in commercial real estate loans of $54.4 million during that same quarter, showing they manage the portfolio actively based on market conditions.

Localized, community-focused service through a multi-state branch network

The value proposition includes a physical presence that supports community focus. Headquartered in Springfield, Missouri, Great Southern Bank operates a significant network across the US heartland and beyond. They run 89 retail banking centers across states including Missouri, Iowa, Kansas, Minnesota, Arkansas, and Nebraska. Plus, they have commercial lending offices in major hubs like Chicago, Dallas, and Atlanta. Overall, the company has 97 offices spanning 12 states.

Consistent shareholder value demonstrated by a $0.43 Q3 2025 dividend

Returning value to shareholders is a clear part of the offering. The Board declared a quarterly dividend of $0.43 per common share for the third quarter of 2025. This payment, which was payable on October 14, 2025, marked the 143rd consecutive quarterly dividend paid by the company. This was an increase of $0.03 from the prior quarter's dividend of $0.40 per share. This consistency shows a commitment to rewarding investors, even as they manage the business, which reported Q3 2025 revenue of $57.84 million.

Great Southern Bancorp, Inc. (GSBC) - Canvas Business Model: Customer Relationships

Great Southern Bancorp, Inc. centers its business on a long-term, relationship-driven banking model. This approach is designed to foster deep customer trust, which is reflected in their deposit stability; for instance, total deposits increased by $152.5 million during the first quarter of 2025. You are serving more than 222,700 customers across your footprint, and the success of this model relies heavily on the human element provided by your staff.

The personalized service aspect is delivered through local branch staff, supported by over 1,100 dedicated associates. This commitment to service quality shows up in operational metrics. For example, in 2025, the bank achieved a significant improvement in service efficiency, with 80% of customer calls consistently answered within 30 seconds. Furthermore, employee retention in the call center improved substantially, with the attrition rate dropping by 44% to just 11.5%, well below the industry average of 27%. This suggests that happier employees are delivering better service, which is key to retention.

For commercial clients, Great Southern Bancorp, Inc. deploys dedicated commercial lending officers in major metropolitan markets. You maintain commercial lending offices in key cities including Atlanta, Charlotte, Chicago, Dallas, Denver, Omaha, and Phoenix. This local presence allows for the disciplined, relationship-based lending that supports strong credit quality, evidenced by non-performing assets standing at a mere 0.14% of total assets as of September 30, 2025.

You balance this high-touch service with self-service options via online and mobile banking platforms. The bank has recorded an increase of over 2,000 customer banking interactions completed through self-service channels, which helps reallocate resources to other service improvements. While specific platform usage numbers for Great Southern Bancorp, Inc. aren't public, the industry trend shows that digital banking is the preferred method for 77% of consumers, with mobile being significantly more popular than the web-based online platform.

Proactive management of deposit costs to maintain customer retention is a critical financial lever. The bank actively manages its funding mix, as seen when it redeemed all outstanding 5.50% fixed-to-floating rate subordinated notes in June 2025 to avoid a significant interest cost increase. This discipline helped improve the annualized net interest margin to 3.68% in the second quarter of 2025, up from 3.43% in the year-ago quarter. Here's a look at the cost control on liabilities:

Metric	Q2 2025 Value	Comparison Point	Value/Change
Interest Expense (Total)	$30.0 million	Year-over-Year Change	Down 12%
Average Rate Paid on Interest-Bearing Liabilities	2.75%	Q2 2024 Rate	Down from 3.17%
Net Interest Margin (Annualized)	3.68%	Q1 2025 Margin	Up 11 basis points

The relationship focus is also evident in the specialized lending teams and the types of relationships you cultivate:

• Commercial lending offices in 8 major metropolitan markets.
• SBA Lending offers up to 90% financing with up to 25-year amortization.
• Focus on relationship-driven loan growth to support longer-term stability.
• Low non-performing assets ratio of 0.14% as of September 30, 2025.

You're managing customer expectations by investing in technology that speeds up human interaction. Finance: draft 13-week cash view by Friday.

Great Southern Bancorp, Inc. (GSBC) - Canvas Business Model: Channels

You're looking at how Great Southern Bancorp, Inc. gets its value proposition to its customers and how it secures its funding base. It's a mix of the traditional Midwest footprint and modern digital access, supported by specialized corporate channels.

The physical presence is anchored in the heartland, but the reach extends to major commercial hubs. This dual approach lets Great Southern Bancorp, Inc. serve local consumer needs while pursuing larger commercial lending opportunities in key markets. The total physical footprint, as of early 2025 reports, is quite specific.

Here's the quick math on the physical and funding channels Great Southern Bancorp, Inc. uses:

Channel Component	Detail/Location	Latest Available Metric/Count
Retail Banking Centers	Arkansas, Iowa, Kansas, Minnesota, Missouri, and Nebraska	89 centers
Total Banking Offices	Across 12 states	97 offices
Commercial Lending Offices	Atlanta, Charlotte, Chicago, Dallas, Denver, Omaha, and Phoenix	Multiple locations reported
Home Loan Center	Springfield, Mo.	1 center
Digital Banking	Mobile app and online portal	No specific GSBC user adoption rate found for late 2025
ATM Network	Extensive ATM and ITM network	Specific network count not available
Corporate Services Deposits (Funding)	Time deposits via corporate services networks	Decreased by $18.4 million (2.3%) for the year ended December 31, 2024
Brokered Deposits (Funding)	Brokered deposits	Decreased by $38.3 million (4.7%) for the year ended December 31, 2024

The corporate services and brokered deposit networks are key for managing funding costs, which is evident in the Q1 2025 results where strategic management of these deposits helped improve the net interest margin to 3.57%.

You can see the reliance on the physical footprint when looking at deposit sources. For the year ended December 31, 2024, Great Southern Bancorp, Inc.'s total deposits decreased by $116.2 million. Still, the bank is investing in its physical future; for example, construction began on a next-generation banking center in Springfield, Mo., in March 2025, expected to finish in Q4 2025.

The digital channel is a necessary complement, even if the hard numbers for its direct usage aren't public. To be fair, most Americans, around 77 percent, prefer managing accounts digitally as of 2025 general trends, and 96 percent rate their existing digital experience as good or better.

The physical network supports the core relationship banking model, which is what Great Southern Bancorp, Inc. emphasizes for its more than 130,000 households.

• Retail Banking Centers States: 6
• Commercial Lending Office Hubs Mentioned: 7 (Atlanta, Charlotte, Chicago, Dallas, Denver, Omaha, Phoenix)

Finance: draft 13-week cash view by Friday.

Great Southern Bancorp, Inc. (GSBC) - Canvas Business Model: Customer Segments

You're looking at the core groups Great Southern Bancorp, Inc. serves to generate its revenue, which is heavily weighted toward lending and deposits across its regional footprint. Here's a breakdown of those segments based on the latest figures we have through September 30, 2025.

The lending side clearly targets commercial activity, with a significant focus on real estate. As of September 30, 2025, Great Southern Bancorp, Inc.'s total net loans stood at $4.47 billion. This portfolio is overwhelmingly concentrated in property-related lending; about 92% of its loans are for real estate or construction. This concentration suggests that small to medium-sized businesses (SMBs) needing commercial loans and commercial real estate developers are primary borrowers.

The emphasis on commercial real estate is substantial. Looking back to the end of 2024, multifamily and commercial real estate loans each made up 32% of the total loan portfolio. While loan payoffs have reduced the overall book size to $4.47 billion by September 30, 2025, the commitment to construction remains active, with unfunded construction commitments holding steady at approximately $600 million as of that date. Monthly fundings for construction were reported between $30 million to $40 million in the third quarter of 2025.

The table below gives you a snapshot of the loan book composition based on the most detailed historical data available, which informs the current segment focus:

Loan Category (as of December 31, 2024)	Percentage of Total Loans	Supporting Data Point
Commercial Real Estate	32%	Loan portfolio composition
Multifamily Real Estate	32%	Loan portfolio composition
Real Estate and Construction (Combined)	Approx. 92%	Loan portfolio concentration as of mid-2025

Retail customers form the backbone of the deposit base and branch network. Great Southern Bancorp, Inc. is headquartered in Springfield, Missouri, and operates 89 retail banking centers across Missouri, Iowa, Kansas, Minnesota, Arkansas and Nebraska. The bank serves more than 130,000 households. Total deposits at the end of 2024 were $4.61 billion. The bank is actively managing its funding mix; for instance, from June 30, 2025, to September 30, 2025, total deposits decreased $77.5 million, with the reduction occurring almost exclusively in the broker deposit area.

The segment of high-net-worth individuals is served through deposit products like time and money market accounts, which contribute to the overall deposit base. While a specific breakdown of HNW utilization isn't itemized, the overall deposit structure shows the competitive environment for these funds. The average rate paid on time deposits decreased by 63 basis points in the three months ended June 30, 2025, compared to the same period in 2024.

Institutional investors and shareholders are those holding the common stock, listed on the NASDAQ Global Select Market under the symbol GSBC. The company's capital strength is a key metric for this segment. As of September 30, 2025, the tangible common equity to tangible assets ratio was 10.9%. The company had total assets of $5.74 billion at that same date.

• Retail banking centers operate in 6 states: Missouri, Iowa, Kansas, Minnesota, Arkansas, and Nebraska.
• Commercial lending offices are strategically placed in major metros including Chicago, Dallas, Denver, Atlanta, Charlotte, Omaha, and Phoenix.
• The company's Tier 1 Leverage Ratio was 11.9% as of September 30, 2025.

Finance: draft 13-week cash view by Friday.

Great Southern Bancorp, Inc. (GSBC) - Canvas Business Model: Cost Structure

When you look at the cost structure for Great Southern Bancorp, Inc. as of late 2025, the primary focus for management is clearly on managing funding costs, which directly impacts the net interest margin. The cost of money is a huge lever for a bank like GSBC.

Interest expense on deposits and borrowings (a key focus for management)

For the third quarter ended September 30, 2025, the total interest expense was reported at $28.3 million. This figure represented a notable reduction from the $35.8 million reported in the third quarter of 2024. This decrease was largely attributed to a lower cost of interest-bearing deposits and various borrowings, benefiting from FOMC rate cuts in late 2024 and September 2025. Furthermore, there was no interest expense recorded for subordinated notes in Q3 2025 because those notes were redeemed in June 2025. The average rate paid on total interest-bearing liabilities fell to 2.66% in Q3 2025, down from 3.24% in the same period last year.

Management is definitely keeping a close eye on funding costs, especially given the competitive deposit environment. Here's a quick look at the key cost figures from the Q3 2025 report:

Cost Component	Amount (Q3 2025)	Comparison/Context
Total Interest Expense	$28.3 million	Down from $35.8 million in Q3 2024.
Non-Interest Expense (Total)	$36.1 million	Up $2.4 million from $33.7 million in Q3 2024.
Net Occupancy and Equipment Expense	$8.9 million	Increased by $735,000 year-over-year.
Interest Expense on Subordinated Notes	$0	Notes were redeemed in June 2025.

Non-interest expense of $36.1 million in Q3 2025

The total non-interest expense for the third quarter of 2025 was $36.1 million. This was an increase of $2.4 million compared to the $33.7 million reported in the third quarter of 2024. The increase was driven by higher legal and professional fees, plus necessary upgrades to the Bank's core technology systems. The ratio of non-interest expense to average assets was 2.50% for the three months ended September 30, 2025.

Personnel costs for branch and lending staff

While the specific dollar amount for personnel costs isn't broken out separately in the immediate data, you know this is a major component of the total non-interest expense. Great Southern Bancorp, Inc. supports its operations with over 1,100 dedicated associates. These associates staff the physical footprint, which includes:

• 97 offices across 12 states.
• 89 retail banking centers in states like Missouri, Arkansas, Kansas, Iowa, Minnesota, and Nebraska.
• Seven commercial lending offices in major markets like Atlanta, Chicago, Dallas, Denver, Omaha, Phoenix, and Charlotte.

The cost of this team is baked into that $36.1 million figure, so expense management definitely involves staffing levels and productivity across this network.

Occupancy and equipment expenses for 97 offices

For the third quarter of 2025, the reported Net occupancy expenses increased to $8.9 million. This reflects the ongoing cost to maintain the physical infrastructure supporting the 97 offices. You have to factor in rent, utilities, maintenance, and depreciation for that entire network, which is significant even if the net figure is slightly up year-over-year.

Technology investments to enhance digital capabilities

The increase in non-interest expense was partly due to upgrades of the Bank's core technology systems. This shows Great Southern Bancorp, Inc. is actively spending capital to improve its digital offerings, which is a necessary cost to compete with modern banking platforms. Finance: draft 13-week cash view by Friday.

Great Southern Bancorp, Inc. (GSBC) - Canvas Business Model: Revenue Streams

You're looking at how Great Southern Bancorp, Inc. brings in the money, focusing on the numbers from late 2025. The core of the revenue engine is definitely the spread between what they earn on assets and what they pay out on liabilities.

For the third quarter of 2025, Great Southern Bancorp, Inc. reported $50.8 million in Net Interest Income (NII). This was a solid increase of approximately 5.8% compared to the same quarter last year, which management attributed to effectively managing interest expense on deposits and borrowings. The annualized net interest margin for the quarter ended September 30, 2025, stood at 3.72%.

Total interest income for that same quarter reached $79.1 million. This income is generated across the balance sheet, primarily from the loan portfolio and investment securities. At the end of Q3 2025, the total net loans for Great Southern Bancorp, Inc. stood at $4.47 billion, down from $4.53 billion at the end of Q2 2025.

Here's a quick look at the major revenue drivers for the third quarter of 2025:

Revenue Component	Amount (Q3 2025)
Net Interest Income (NII)	$50.8 million
Total Interest Income	$79.1 million
Total Non-Interest Income	$7.1 million
Total Net Loans (Balance Sheet)	$4.47 billion

Non-interest income provides the necessary diversification to the NII. For Q3 2025, this stream totaled $7.1 million. This figure is supported by several fee-based activities that you'd expect from a community bank.

The sources feeding into that non-interest income include:

• Service charges on deposit accounts.
• Fees generated on loans.
• Debit card fees collected from transactions.

It's important to note a temporary factor that influenced this period's interest income. Great Southern Bancorp, Inc. recognized approximately $2.0 million in interest income related to a terminated interest rate swap during Q3 2025. That specific benefit concluded after the quarter, as the swap's original termination date was October 6, 2025. Any future revenue streams from mortgage loan sales or tax credit partnership activities would be embedded within the total non-interest income figure, though specific dollar amounts for those items weren't separately itemized in the preliminary results.

Finance: draft 13-week cash view by Friday.