Great Southern Bancorp, Inc. (GSBC): Analyse du pilon [Jan-2025 Mise à jour]

Dans le monde dynamique de la banque régionale, Great Southern Bancorp, Inc. (GSBC) se dresse à une intersection critique de forces externes complexes qui façonnent son paysage stratégique. Cette analyse complète du pilon dévoile le réseau complexe de facteurs politiques, économiques, sociologiques, technologiques, juridiques et environnementaux qui non seulement défient mais présentent également des opportunités remarquables pour cette institution financière du Midwest. En disséquant ces influences multiformes, nous explorerons comment GSBC navigue dans un écosystème bancaire de plus en plus sophistiqué, équilibrant les valeurs bancaires communautaires traditionnelles avec des réponses stratégiques innovantes à la dynamique émergente du marché.

Great Southern Bancorp, Inc. (GSBC) - Analyse du pilon: facteurs politiques

Les réglementations de l'État du Missouri ont un impact sur les opérations bancaires et la conformité

Les réglementations bancaires de l'État du Missouri obligent les institutions financières à maintenir des ratios de réserve de capital spécifiques. En 2024, Great Southern Bancorp doit se conformer aux exigences d'État suivantes:

Exigence réglementaire	Pourcentage minimum
Ratio de capital de niveau 1	8.5%
Ratio de capital total basé sur le risque	10.5%
Rapport de levier	5%

Les politiques monétaires de la Réserve fédérale affectent les taux de prêts et d'intérêt

La politique monétaire de la Réserve fédérale influence directement les stratégies de prêt de Great Southern Bancorp. Les mesures clés actuelles comprennent:

• Taux des fonds fédéraux: 5,33% en janvier 2024
• Taux de prêt Prime: 8,5%
• Taux de fenêtre de réduction: 5,5%

Les exigences de la loi sur le réinvestissement communautaire influencent les stratégies de prêt régional

Great Southern Bancorp doit adhérer aux directives de la Loi sur le réinvestissement communautaire (CRA), avec des objectifs de prêt spécifiques:

Catégorie de prêt de l'ARC	Pourcentage d'allocation minimum
Communautés à revenu faible et modéré	35%
Prêts aux petites entreprises	25%
Projets de développement communautaire	15%

Changements potentiels dans les réglementations bancaires en vertu de l'administration fédérale actuelle

Les modifications réglementaires proposées pour 2024 comprennent:

• Exigences de capital améliorées: Augmentation potentielle de 1 à 2% des mandats de réserve de capital
• Protocoles de test de contrainte plus stricts
• Augmentation des exigences de transparence des rapports

La stabilité politique dans les États du Midwest soutient la prévisibilité du secteur bancaire

Le Missouri et les États du Midwest environnants présentent des environnements politiques stables avec des cadres réglementaires bancaires cohérents. Indicateurs clés de stabilité politique pour la région:

État	Indice de stabilité politique	Score de cohérence de la réglementation bancaire
Missouri	0.78	0.85
Kansas	0.76	0.82
Nebraska	0.79	0.84

Great Southern Bancorp, Inc. (GSBC) - Analyse du pilon: facteurs économiques

Fluctuations des taux d'intérêt

Au quatrième trimestre 2023, le taux des fonds fédéraux s'élève à 5,33%. La marge nette des intérêts nette de Great Southern Bancorp était de 3,68% pour l'exercice se terminant le 31 décembre 2023. Le revenu d'intérêt de la banque a totalisé 347,4 millions de dollars, avec des intérêts à 87,3 millions de dollars.

Indicateur économique	Valeur	Impact sur GSBC
Taux de fonds fédéraux	5.33%	Impact direct sur les taux de prêt
Marge d'intérêt net	3.68%	Reflète la rentabilité de la banque
Revenu d'intérêt	347,4 millions de dollars	Revenus annuels des prêts
Intérêts	87,3 millions de dollars	Coût du financement

Santé économique régionale

Le taux de chômage du Missouri en décembre 2023 était de 2,9%. Le taux de croissance du PIB de l'État pour 2023 était de 2,1%. Le portefeuille de prêts de Great Southern Bancorp au Missouri représente environ 2,3 milliards de dollars de prêts totaux.

Indicateurs économiques du Missouri	Valeur
Taux de chômage	2.9%
Croissance du PIB de l'État	2.1%
Portefeuille de prêts GSBC Missouri	2,3 milliards de dollars

Prêts aux petites entreprises et agricoles

Les prêts aux petites entreprises et agricoles de Great Southern Bancorp ont totalisé 512 millions de dollars en 2023. Le segment de prêt commercial de la banque a montré une croissance de 4,2% par rapport à l'année précédente.

Risques d'inflation et de récession

Le taux d'inflation américain en décembre 2023 était de 3,4%. La provision de perte de prêt de la banque pour 2023 était de 22,6 millions de dollars, reflétant les risques économiques potentiels.

Indicateur de risque économique	Valeur
Taux d'inflation américain	3.4%
Provision de perte de prêt GSBC	22,6 millions de dollars

Croissance économique sur les marchés du Midwest

Great Southern Bancorp opère dans 7 États du Midwest. Le total des actifs de la banque a atteint 7,8 milliards de dollars en 2023, avec un Croissance de 5,6% en glissement annuel.

Performance du marché du Midwest GSBC	Valeur
Actif total	7,8 milliards de dollars
Croissance des actifs	5.6%
États d'exploitation	7

Great Southern Bancorp, Inc. (GSBC) - Analyse du pilon: facteurs sociaux

La population vieillissante dans le Midwest rural crée des exigences de service bancaire uniques

Selon les données du US Census Bureau 2020, la population du Missouri âgé de 65 ans et plus est de 18,7%, les comtés ruraux connaissant des pourcentages plus élevés. Great Southern Bancorp dessert 86 comtés à travers le Missouri et les États environnants avec des services bancaires spécialisés.

Groupe d'âge	Pourcentage de la région de service	Adaptation des services bancaires
65-74 ans	12.4%	Grandes déclarations d'impression, consultations en personne
Plus de 75 ans	6.3%	Assistance Support bancaire numérique

Augmentation des préférences bancaires numériques parmi les segments démographiques plus jeunes

Le Pew Research Center rapporte que 79% des adultes âgés de 18 à 29 ans utilisent des plateformes de banque mobile. L'adoption des banques numériques de Great Southern Bancorp a augmenté de 42% en 2022-2023.

Groupe d'âge	Utilisation des banques mobiles	Volume de transaction numérique
18-34 ans	86%	1,2 million de transactions mensuelles
35 à 54 ans	67%	850 000 transactions mensuelles

Le modèle bancaire axé sur la communauté résonne avec les attentes des clients locaux

Great Southern Bancorp maintient 96 emplacements bancaires à travers le Missouri, le Kansas et l'Arkansas, avec 7,2 milliards de dollars d'actifs totaux au quatrième trimestre 2023.

Changement de travail démographique sur la main-d'œuvre impact les méthodes de prestation de services financiers

Les statistiques du Bureau américain du travail indiquent une augmentation de la diversité de la main-d'œuvre, 40% des travailleurs qui devraient être blancs d'ici 2030. La diversité des effectifs de Great Southern Bancorp a augmenté à 22% en 2023.

Demande croissante d'expériences bancaires personnalisées et compatibles avec la technologie

La recherche McKinsey montre que 71% des consommateurs s'attendent à des interactions bancaires personnalisées. Great Southern Bancorp a investi 3,4 millions de dollars dans l'infrastructure technologique en 2023 pour améliorer l'expérience client.

Investissement technologique	2023 dépenses	Amélioration de l'expérience client
Mises à niveau de la plate-forme numérique	1,9 million de dollars	Banque mobile 24/7
Service client d'IA	1,5 million de dollars	Recommandations financières personnalisées

Great Southern Bancorp, Inc. (GSBC) - Analyse du pilon: facteurs technologiques

Investissements de plate-forme bancaire numérique

En 2023, Great Southern Bancorp a investi 3,2 millions de dollars dans les mises à niveau de la plate-forme bancaire numérique. La banque a signalé une augmentation de 37% de l'adoption des utilisateurs bancaires numériques, atteignant 142 000 utilisateurs en ligne actifs.

Métrique de la plate-forme numérique	2023 données
Investissement bancaire numérique	3,2 millions de dollars
Utilisateurs en ligne actifs	142,000
Croissance de l'adoption des utilisateurs	37%

Mesures de cybersécurité

La Banque a alloué 1,8 million de dollars aux infrastructures de cybersécurité en 2023, mettant en œuvre des systèmes avancés de détection de menaces avec un taux de prévention des menaces de 99,7%.

Métrique de la cybersécurité	Performance de 2023
Investissement en cybersécurité	1,8 million de dollars
Taux de prévention des menaces	99.7%

Améliorations bancaires mobiles et en ligne

Great Southern Bancorp a amélioré les fonctionnalités des banques mobiles, ce qui a entraîné une augmentation de 42% des volumes de transactions mobiles, atteignant 3,6 millions de transactions mobiles mensuelles.

Implémentation de l'intelligence artificielle

La banque a déployé des outils d'évaluation des risques axés sur l'IA, réduisant le temps de traitement des prêts de 45% et améliorant la précision de la prévision des risques de crédit de 28%.

Métrique de performance AI	2023 Impact
Réduction du temps de traitement des prêts	45%
Précision de prédiction du risque de crédit	28% d'amélioration

Infrastructure de cloud computing

Great Southern Bancorp a migré 67% de ses principaux systèmes bancaires vers les infrastructures cloud, réduisant les coûts opérationnels opérationnels de 920 000 $ par an.

Métrique de migration du cloud	2023 données
Les systèmes ont migré vers le cloud	67%
Réduction annuelle des coûts informatiques	$920,000

Great Southern Bancorp, Inc. (GSBC) - Analyse du pilon: facteurs juridiques

Conformité aux réglementations bancaires de Bâle III

Depuis le quatrième trimestre 2023, Great Southern Bancorp, Inc. a maintenu les ratios de capital Bâle III suivants:

Type de ratio de capital	Pourcentage
Ratio de capitaux de niveau 1 de l'équité commun	13.65%
Ratio de capital de niveau 1	14.21%
Ratio de capital total	15.47%
Rapport de levier	9.82%

Règlement sur la protection financière des consommateurs Application

En 2023, Great Southern Bancorp a rapporté Zero (0) Bureau de protection financière des consommateurs (CFPB) actions d'application ou pénalités réglementaires importantes.

Anti-blanchiment d'argent (AML) et connaissez les exigences légales de votre client (KYC)

Métrique AML / KYC	2023 données
Rapports d'activités suspectes déposées	47
Investigations de diligence raisonnable des clients	1,236
Heures de formation de la conformité	3,845

Obligations de déclaration de la Commission des valeurs mobilières

Conformité du dépôt de la SEC:

• Rapport annuel de 10 K déposé le 28 février 2024
• Les rapports trimestriels 10-Q ont déposé en temps opportun en 2023
• Aucune retraite matérielle ou dépôt tardif signalé

Opération réglementaire des banques d'État et fédérales

Corps réglementaire	2023 Statut d'examen
Federal Deposit Insurance Corporation (FDIC)	Aucune conclusion significative
Département bancaire de l'État du Missouri	Conforme
Banque de réserve fédérale	Aucune actions de supervision

Great Southern Bancorp, Inc. (GSBC) - Analyse du pilon: facteurs environnementaux

Pratiques bancaires durables et initiatives de prêt vert

En 2024, Great Southern Bancorp, Inc. a alloué 42,3 millions de dollars d'initiatives de prêt vertes, ciblant les énergies renouvelables et les projets commerciaux durables. Le portefeuille de prêts verts de la banque a augmenté de 17,6% par rapport à l'exercice précédent.

Catégorie de prêt vert	Investissement total ($)	Croissance d'une année à l'autre (%)
Projets d'énergie renouvelable	18,750,000	12.4%
Agriculture durable	12,600,000	22.3%
Développements commerciaux économes en énergie	10,950,000	15.7%

Évaluation des risques climatiques dans les prêts agricoles et commerciaux

GSBC a mis en œuvre un cadre complet d'évaluation des risques climatiques, évaluant 673 portefeuilles de prêts agricoles et commerciaux. La banque a identifié des risques potentiels liés au climat affectant 22,5% de son portefeuille de prêt total.

Investissements en efficacité énergétique dans les infrastructures bancaires

La banque a investi 3,2 millions de dollars dans des mises à niveau des infrastructures éconergétiques sur 47 succursales. Ces investissements ont entraîné une réduction de 29,4% de la consommation d'énergie et une diminution de 16,7% des émissions de carbone opérationnelles.

Zone d'investissement des infrastructures	Investissement total ($)	Économies d'énergie (%)
Installation du panneau solaire	1,450,000	36.2%
Mises à niveau d'éclairage LED	750,000	24.8%
Modernisation du système HVAC	1,000,000	22.5%

Conformité environnementale dans les opérations d'entreprise

GSBC a maintenu une conformité à 100% des réglementations environnementales dans toutes les juridictions opérationnelles. La banque a subi 6 audits environnementaux externes en 2024, sans aucune citation sans conformité.

Programmes de responsabilité sociale des entreprises répondant aux problèmes de durabilité

La banque a alloué 2,5 millions de dollars aux programmes de responsabilité sociale des entreprises axés sur la durabilité. Ces initiatives comprenaient l'éducation environnementale communautaire, les projets de conservation locaux et le soutien au développement durable.

Catégorie de programme RSE	Investissement ($)	Impact communautaire
Éducation environnementale	750,000	4 200 étudiants atteints
Projets de conservation locaux	1,100,000	3 sites de restauration de l'écosystème
Soutien au développement durable	650,000	12 projets d'infrastructure communautaire

Great Southern Bancorp, Inc. (GSBC) - PESTLE Analysis: Social factors

Strong customer preference shift toward mobile and online banking platforms.

You are seeing a fundamental shift in how people bank, and Great Southern Bancorp, Inc. must keep pace with the rest of the industry or risk losing deposits. Honestly, the branch is no longer the primary channel for the majority of customers; the mobile app is. Across the U.S. banking sector, a significant majority-77% of consumers-now prefer to manage their accounts through a mobile app or a computer.

To be more precise, the mobile app is the single most popular choice, preferred by 42% of consumers, versus only 18% who still favor visiting a physical branch in person. Great Southern Bancorp, Inc. is addressing this by offering a comprehensive Mobile Banking App with features like Mobile Check Deposit and Bill Pay. Still, the challenge for a regional bank like Great Southern Bancorp, Inc. is ensuring its digital user experience (UX) is competitive enough to prevent the 17% of consumers who are likely to change financial institutions in 2025 from moving to a larger national bank or a pure-play fintech. That's a clear near-term risk to your deposit base.

Talent war for skilled tech and compliance professionals remains intense.

The fight to hire and retain specialized talent in technology and regulatory compliance (RegTech) is a major social factor that directly impacts your bottom line. The industry is in what analysts are calling a 'Great Compliance Drought,' where 43% of global banks report regulatory work is going undone because they simply cannot find the staff. For Great Southern Bancorp, Inc., this means competition for a Chief Information Officer (CIO) or Chief Risk Officer (CRO) is not just from other banks, but from fintechs that pay massive premiums.

Consider the market: fintech firms are offering base salaries of up to $350,000 for just a 5-year experienced Anti-Money Laundering (AML) analyst, and the average vacancy duration for a senior compliance role is a staggering 18 months. Great Southern Bancorp, Inc. has over 1,100 dedicated associates and reported a Q1 2025 efficiency ratio of 62.27%, which is a solid number that relies on efficient staffing. However, the average tenure of the management team is relatively short at 0.9 years (excluding the CEO's long tenure), suggesting a high-velocity turnover risk in critical leadership roles that manage technology and compliance strategy. You need to invest in internal training and retention programs, or you'll defintely pay a premium for external hires.

Growing demand for financial literacy and personalized advisory services.

Customers are not just looking for a place to hold their money; they are demanding personalized guidance and financial education (FinEd). The financial advisor industry is expected to grow by 17% through 2033, showing the long-term demand for advice. For Great Southern Bancorp, Inc., this is an opportunity to deepen customer relationships and increase cross-selling.

Great Southern Bancorp, Inc. is well-positioned here, offering extensive financial literacy resources. They provide free online courses covering everything from small business essentials and homeownership to debt management. They also run a high school student program in partnership with Springfield Public Schools. This focus on FinEd helps the bank: it improves the credit quality of their customer base, which is crucial since non-performing assets were already low at $9.6 million (or 0.16% of total assets) as of December 31, 2024. A financially literate customer is a lower-risk borrower, and that is a clear win.

Local community perception directly impacts deposit base and brand trust.

For a regional bank, local perception is everything, especially since a significant portion of its deposit base comes from the communities it serves. The bank's financial strength-with $6.0 billion in total assets and Q1 2025 net income of $17.2 million-is a proxy for stability, but community trust is built on tangible actions.

Great Southern Bancorp, Inc. operates 97 offices across 12 states and emphasizes its commitment to the 70+ communities it serves. This community-first approach is vital because it directly supports the bank's ability to attract and retain low-cost core deposits, which is a constant challenge in a competitive environment. The table below outlines the key social metrics and their strategic impact for the bank:

Social Factor Metric (2025 Context)	Value/Data Point	Strategic Implication
US Consumer Mobile Banking Preference	42% prefer mobile app	Mandates continuous high-level investment in mobile UX to secure core deposits.
Efficiency Ratio (Q1 2025)	62.27%	Strong operational efficiency, but requires sustained investment in technology to maintain this ratio.
Average Management Team Tenure	0.9 years (excluding CEO)	High risk of leadership vacuum in specialized areas like tech/compliance; internal talent development is critical.
Non-Performing Assets (Dec 31, 2024)	$9.6 million (0.16% of total assets)	Strong asset quality, partially supported by financial literacy efforts creating lower-risk borrowers.
Community Reach	Serves 70+ communities in 12 states	Strong local presence is a competitive moat against digital-only banks, securing local deposit funding.

The bank's explicit focus on financial education, with programs like the one for high school students in Springfield Public Schools, is a direct investment in future customer quality and community goodwill. This social capital is a non-financial asset that stabilizes the local deposit base better than high interest rates alone.

Next Step: Human Resources (HR) and the Chief Information Officer (CIO) should jointly draft a retention and compensation plan for the top 5% of tech and compliance talent, benchmarking salaries against the $350K fintech base, and submit it for board review by the end of the quarter.

Great Southern Bancorp, Inc. (GSBC) - PESTLE Analysis: Technological factors

You're looking at Great Southern Bancorp, Inc.'s technology landscape, and the direct takeaway is this: the bank is in a critical phase of platform modernization, where the cost of cybersecurity is a fixed expense, but the payoff from digital rollout is currently stalled. They are making strategic investments, but the core systems conversion has been a significant, bumpy hurdle that limits near-term fintech integration.

Mandatory investment in AI/Machine Learning for enhanced fraud detection.

The arms race against cybercrime means investment in Artificial Intelligence (AI) and Machine Learning (ML) for fraud detection is not optional. For a bank with nearly $6 billion in total assets as of Q1 2025, protecting the balance sheet is paramount. While Great Southern Bancorp, Inc. maintains a disciplined approach to non-interest expense, which was flat at $34.8 million in Q1 2025, they must allocate a growing portion of this to AI-driven security. Honestly, the industry trend is clear: over 71% of banks are already utilizing AI to detect and mitigate cyber threats, so Great Southern Bancorp, Inc. must move beyond simple rule-based systems to stay competitive and secure.

Need to integrate Application Programming Interfaces (APIs) for seamless third-party fintech partnerships.

The future of banking is in embedded finance, which requires a modern, modular core system that can expose data securely via Application Programming Interfaces (APIs). Great Southern Bancorp, Inc. has faced significant challenges in this area, evidenced by a terminated core banking platform conversion in 2024. This failed effort resulted in a $902,000 expense for training and implementation costs in Q2 2024, plus a $2.7 million income from the vendor termination, which involved writing off certain capitalized hardware and software assets. This history shows that core modernization-the foundation for effective API integration-is a major, ongoing technical risk. Without a stable, API-ready platform, partnering with specialized fintechs to offer new services (like instant lending or advanced treasury management) will be impossible.

Accelerated rollout of digital account opening and loan application processes.

The push for accelerated digital rollout is a near-term opportunity, but Great Southern Bancorp, Inc. is currently facing execution risk. As of November 2025, the company's website explicitly stated that online account applications and consumer loan applications were temporarily offline for 'necessary improvements.' This forces potential customers to visit one of their 89 retail banking centers or call, which is a major friction point in a market where seamless, 2-minute digital onboarding is the norm. The table below shows the clear operational impact of this delay on core customer acquisition channels.

Digital Channel Status (Nov 2025)	Implication for Customer Experience	Impact on Efficiency Ratio (Q1 2025)
Online Account Opening: Temporarily Offline	Forces branch visit or phone call; high customer drop-off.	Increases reliance on higher-cost branch/staff-assisted processes, hindering improvement from the Q1 2025 efficiency ratio of 62.27%.
Consumer Loan Application: Temporarily Offline	Delays loan origination; risk of losing applicants to competitors with faster digital channels.	Slows down loan growth and relies on manual processing, which is less scalable.

Cybersecurity spending is a non-negotiable cost, rising by an estimated 12% sector-wide in 2025.

Cybersecurity is a cost of doing business, and it's getting more expensive. Global cybersecurity spending is projected to grow by 12.2% in 2025, with the banking sector being one of the largest spenders. This isn't about new features; it's about defense against increasingly sophisticated threats fueled by Generative AI. For Great Southern Bancorp, Inc., this means that even as they manage non-interest expense tightly, the absolute dollar amount dedicated to security software, managed services, and talent will defintely rise. A failure to increase spending in line with the 12% sector-wide trend would directly increase operational risk and regulatory exposure.

• Increase security software budget by 12% in 2025.
• Prioritize AI-driven tools for real-time threat analysis.
• Focus on securing third-party integrations (APIs) to mitigate supply chain risk.

Next step: Technology Leadership: Provide a clear, public timeline for the re-launch of the online account and loan application platforms by the end of the current quarter.

Great Southern Bancorp, Inc. (GSBC) - PESTLE Analysis: Legal factors

Stricter data privacy laws, like state-level consumer protection acts, increase compliance burden.

You need to see the rising tide of state-level data privacy laws not just as a compliance cost, but as a major operational risk in 2025. Great Southern Bancorp, Inc. (GSBC) operates across a fragmented legal map, including Missouri and Kansas, plus other states like Iowa and Nebraska, which have new laws taking effect this year.

While Kansas does not yet have a comprehensive consumer privacy law as of September 2025, the Missouri data privacy law 2025 is being established to grant consumers new rights, requiring explicit consent for data processing and transparent privacy policies. This means your compliance team must now manage a patchwork of rules, not just the federal Gramm-Leach-Bliley Act (GLBA).

The real risk is a data breach, which triggers mandatory notification under state laws like K.S.A. 50-7a01 in Kansas. Your security measures must be top-tier, because non-compliance with these laws can lead to significant civil penalties and reputational damage. This is defintely a cost center that will grow.

• Action: Implement a centralized compliance framework to map the eight new state privacy laws taking effect in 2025 (e.g., Iowa, Nebraska) to your existing GLBA and state-specific disclosure requirements.

Ongoing litigation risk related to loan servicing and foreclosure procedures.

Litigation is a constant, expensive drag on earnings, and in 2025, the focus remains on consumer-facing practices like loan servicing. You saw this directly when Great Southern Bancorp expensed $2.0 million in the fourth quarter of 2024 related to a litigation/contract dispute matter.

Beyond specific cases, the broader industry is seeing a rise in Fair Credit Reporting Act (FCRA) lawsuits, which were up 12.6% in the first five months of 2025, often related to how banks report loan and payment data. Plus, courts are tightening the rules on foreclosure procedures. For example, the New York Foreclosure Abuse Prevention Act (FAPA) has made it harder for lenders to restart the statute of limitations on accelerated debt. While this case was in New York, the regulatory message is clear: servicers must be procedurally perfect, or face dismissal and loss of collateral.

Here's the quick math on recent litigation trends that impact all servicers:

Litigation Area (Jan-May 2025)	Year-over-Year Change in Filings	Core Risk to GSBC
Fair Credit Reporting Act (FCRA)	Up 12.6%	Increased costs for data validation and dispute resolution.
Telephone Consumer Protection Act (TCPA)	Up 39.4%	Exposure from automated calls for debt collection and marketing.
Overdraft/NSF Fee Lawsuits	Pace of class action filings has slowed	Shift to mass arbitration, still requiring significant legal defense spend.

Dodd-Frank Act provisions continue to shape capital and liquidity rules.

The Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) is baked into your balance sheet, and it's a structural advantage for Great Southern Bancorp right now. The capital requirements it established, primarily based on the Basel III framework, mean you have a robust buffer against economic shocks.

As of March 31, 2025, Great Southern Bancorp's Common Equity Tier 1 Capital Ratio was 12.4% and its Total Capital Ratio was 15.6%. This is significantly above the regulatory minimums, which gives you a competitive edge in stability and investor confidence. The trade-off is that maintaining this high level of capital limits your return on equity (ROE) compared to a bank running closer to the minimum, but honestly, in this market, stability sells.

New rules on overdraft fees and non-sufficient funds (NSF) charges limit fee income.

The regulatory pressure on fee income is intense, but the most aggressive new rule does not directly apply to Great Southern Bancorp. The Consumer Financial Protection Bureau (CFPB) final rule, effective October 1, 2025, that caps overdraft fees at $5 and treats them as credit, applies only to banks with assets over $10 billion. Since Great Southern Bancorp's total assets are approximately $6.0 billion, you are exempt from this specific cap.

Still, you are not immune. Your current Overdraft/Paid Item fee is $34.00, with a maximum of five (5) per day. This high fee structure is a target for class action lawyers and state-level consumer protection acts. You already saw the impact: Overdraft and insufficient funds fees decreased by $401,000 in Q4 2024 compared to the prior year, as you and the industry moved to more consumer-friendly practices. The trend is clear: fee income will continue to erode as public and regulatory scrutiny pushes you toward lower-cost or no-fee alternatives.

Great Southern Bancorp, Inc. (GSBC) - PESTLE Analysis: Environmental factors

You're operating a regional bank in an environment where climate risk is quickly moving from a theoretical concept to a balance sheet item. The core challenge for Great Southern Bancorp, Inc. is the lack of public, granular environmental data, which creates a transparency gap just as institutional investors are demanding more clarity.

Finance: Start modeling the impact of a 50-basis-point NIM compression by Friday.

Growing investor and stakeholder pressure for clear Environmental, Social, and Governance (ESG) reporting.

The pressure for transparent ESG reporting is intensifying, especially from major institutional investors who manage trillions in assets. For Great Southern Bancorp, Inc., this is a critical near-term risk. The lack of a public, dedicated ESG or responsibility report makes the company a target for negative screening by funds with strict environmental mandates.

This scrutiny is already visible in portfolio shifts. In the second quarter of 2025, institutional movements saw 67 investors decrease their positions in Great Southern Bancorp, Inc., compared to 52 who added shares. Specifically, BlackRock, Inc. removed 25,146 shares (a -3.2% change) from its portfolio during that quarter, a move often tied to a reassessment of non-financial risks like environmental exposure.

The market is defintely signaling that a bank's environmental stance is a factor in capital allocation, not just a compliance exercise.

Increased risk assessment on climate-related physical risks (e.g., flood, fire) for real estate collateral.

Physical climate risk is now a tangible threat to the value of your real estate collateral, which underpins the loan portfolio. Great Southern Bancorp, Inc. operates across states like Missouri, Kansas, and Nebraska, which are highly exposed to inland flooding and severe weather events. This risk directly impacts the quality of your residential and commercial real estate (CRE) loans, which form a significant part of your assets.

For the regional banking sector, a 2024 analysis showed 57 banks hold a combined $627.4 billion in real estate loans that could face 'material financial risk' from climate impacts, defined as damages exceeding 1% of the property's value. That's a massive exposure. While Great Southern Bancorp, Inc. reported a strong asset quality with non-performing assets at only $9.5 million (or 0.16% of total assets) as of March 31, 2025, this number doesn't fully capture the forward-looking risk from chronic climate change.

Here's the quick math: a major, uninsured flood event in a core market could trigger a spike in defaults, increasing your Allowance for Credit Losses (ACL) and immediately compressing your net income, which was $19.8 million in Q2 2025. You need to embed climate scenarios into your stress testing (DFAST) models.

Climate Risk Type	GSBC Exposure Channel	Potential Financial Impact
Acute Physical Risk (e.g., Tornadoes, Flash Floods)	Residential and CRE Collateral Value	Increased loan-to-value (LTV) ratios, higher net charge-offs, and increased insurance costs for borrowers leading to default risk.
Chronic Physical Risk (e.g., Extreme Heat, Drought)	Agricultural Loans, Energy Costs for Businesses	Reduced borrower cash flow in agriculture and heat-stressed industries, leading to higher credit risk migration.
Transition Risk (e.g., Carbon Tax, New Building Codes)	Commercial Real Estate Portfolio	Obsolescence of energy-inefficient CRE properties, requiring costly upgrades and reducing resale value.

Opportunity for green lending products, such as energy-efficient home improvement loans.

The market for green lending, particularly for energy-efficient home improvements and renewable energy adoption, is a clear opportunity to grow fee income and attract a younger, more sustainability-focused customer base. Since Great Southern Bancorp, Inc. does not publicly detail a dedicated green lending product line, this is a white space for you to seize in 2025.

A simple product like a low-interest personal loan for solar panels or high-efficiency HVAC systems would directly address the rising energy costs your customers are facing. This strategy helps your customers reduce their household expenses, making them more financially resilient and lowering their default risk. It's a win-win for credit quality and customer retention.

• Launch a 'Green Home Equity Line of Credit (HELOC)' with a 25-basis-point rate discount for verified energy upgrades.
• Partner with a local solar installer to capture a portion of the estimated $1.8 billion US residential solar market growth projected for 2025.
• Use the new product to improve your Community Reinvestment Act (CRA) rating by targeting low-to-moderate income areas for energy-saving loans.

Internal focus on reducing branch energy consumption and paper use.

Operational efficiency and environmental responsibility go hand-in-hand, especially in a branch-heavy model. The internal focus on reducing energy consumption and paper use is a low-hanging fruit for both cost savings and ESG credibility. While specific figures for Great Southern Bancorp, Inc. are not public, the industry trend is clear: digital adoption is the key lever.

By the end of Q1 2025, many regional banks reported that over 75% of their online banking users had enrolled in electronic statements (e-statements). Pushing this number higher across your 97 offices in 12 states could yield substantial savings. For every 10,000 customers who switch to e-statements, you save on printing, postage, and handling costs, plus you reduce your Scope 3 (value chain) emissions.

A simple energy audit on your 89 retail banking centers in the Midwest could identify quick-payback projects. Replacing just 100 inefficient HVAC units across the network, for instance, could reduce your non-interest expense ratio-which was 2.34% in Q1 2025-by a few basis points, directly boosting your net interest margin (NIM).