Great Southern Bancorp, Inc. (GSBC): Modelo de Negócios Canvas [Jan-2025 Atualizado]

A Great Southern Bancorp, Inc. (GSBC) permanece como uma potência financeira dinâmica, estrategicamente posicionada no coração dos Estados Unidos do Centro -Oeste, oferecendo uma abordagem abrangente e inovadora ao setor bancário que transcende os serviços financeiros tradicionais. Ao elaborar meticulosamente um modelo de negócios que entrelaça as relações personalizadas dos clientes, as tecnologias digitais avançadas e as raízes da comunidade profundas, o GSBC se distinguiu como uma instituição financeira de visão de futuro que não apenas atende, mas antecipa as diversas necessidades bancárias de pequenas empresas, empresas agrícolas e e empresas e empresas e empresas e empresas agrícolas e as diversas necessidades bancárias de pequenas empresas, empresas agrícolas e empresas e empresas e empresas agrícolas e as diversas necessidades bancárias e as empresas agrícolas e as empresas e as empresas agrícolas e clientes individuais em todo o Missouri e seus estados vizinhos. Essa exploração do modelo de negócios da GSBC, Canvas, revela as intrincadas estratégias e proposições de valor exclusivas que impulsionaram o sucesso do banco em um cenário financeiro competitivo.

Great Southern Bancorp, Inc. (GSBC) - Modelo de negócios: Parcerias -chave

Redes de negócios locais e regionais no Missouri e estados vizinhos

Great Southern Bancorp mantém parcerias estratégicas com:

Tipo de rede	Número de parcerias	Cobertura geográfica
Associações de negócios do Missouri	47	Missouri, Kansas, Arkansas
Câmara de Comércio Regional	23	Região do meio -oeste

Empréstimos hipotecários e profissionais imobiliários

Métricas principais de hipoteca e colaboração imobiliária:

• Total de parcerias profissionais imobiliárias: 86
• Tamanho da rede de referência hipotecária: 129 profissionais
• Volume médio de empréstimo por parceria: US $ 3,2 milhões

Associações de pequenas empresas e grupos de desenvolvimento econômico

Tipo de organização	Contagem de parcerias	Impacto econômico total
Centros de Desenvolvimento de Pequenas Empresas	12	US $ 47,6 milhões
Conselhos de Desenvolvimento Econômico	8	US $ 31,2 milhões

Colaboradores da indústria agrícola e agrícola

Detalhes da parceria agrícola:

• Total de parcerias agrícolas: 64
• Portfólio de empréstimos agrícolas: US $ 218,3 milhões
• Tamanho médio do empréstimo agrícola: US $ 342.000

Organizações de investimento e empréstimos comunitários

Tipo de organização	Contagem de parcerias	Volume de investimento comunitário
Instituições financeiras de desenvolvimento comunitário	6	US $ 22,7 milhões
Redes de empréstimos sem fins lucrativos	9	US $ 16,4 milhões

Great Southern Bancorp, Inc. (GSBC) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de consumo

A partir de 2024, o Great Southern Bancorp registrou US $ 6,2 bilhões em ativos totais. O banco oferece serviços bancários comerciais e de consumo em 90 centros bancários no Missouri, Arkansas e Kansas.

Categoria de serviço bancário	Volume total (2024)
Portfólio de empréstimos comerciais	US $ 3,45 bilhões
Portfólio de empréstimos ao consumidor	US $ 1,87 bilhão
Total de depósitos	US $ 5,63 bilhões

Empréstimos e originação hipotecária

Em 2024, o Great Southern Bancorp originou US $ 412 milhões em empréstimos hipotecários com um tamanho médio de empréstimo de US $ 276.000.

• Origenas da hipoteca residencial: US $ 287 milhões
• Hipotecas imobiliárias comerciais: US $ 125 milhões

Gerenciamento de patrimônio e consultoria financeira

O banco gerencia US $ 1,2 bilhão em ativos de gerenciamento de patrimônio a partir de 2024.

Serviço de gerenciamento de patrimônio	Ativos sob gestão
Gestão de patrimônio pessoal	US $ 742 milhões
Serviços de confiança corporativa	US $ 458 milhões

Desenvolvimento da plataforma bancária digital

A Great Southern Bancorp investiu US $ 5,6 milhões em infraestrutura de tecnologia bancária digital em 2024.

• Usuários bancários móveis: 127.000
• Transações bancárias online: 3,2 milhões por trimestre

Gerenciamento de riscos e monitoramento de conformidade

O banco alocou US $ 3,2 milhões aos departamentos de gerenciamento e conformidade de riscos em 2024.

Área de conformidade	Orçamento anual
Conformidade regulatória	US $ 1,8 milhão
Segurança cibernética	US $ 1,4 milhão

Great Southern Bancorp, Inc. (GSBC) - Modelo de negócios: Recursos -chave

Forte infraestrutura bancária regional no meio -oeste dos Estados Unidos

A partir do quarto trimestre 2023, a Great Southern Bancorp, Inc. opera 126 locais bancários em Missouri, Arkansas, Kansas e Oklahoma. O total de ativos relatados em US $ 8,22 bilhões, com uma presença regional no mercado concentrada nesses estados do Centro -Oeste.

Estado	Número de ramificações	Cobertura de mercado
Missouri	84	Mercado primário
Arkansas	22	Mercado secundário
Kansas	12	Mercado emergente
Oklahoma	8	Mercado limitado

Equipe de gestão financeira experiente

Equipe de liderança com uma experiência bancária média de 22 anos, incluindo:

• CEO Joseph W. Turner: 35 anos em bancos
• CFO Greg A. Steffens: 28 anos de gestão financeira
• Diretor de Crédito: 19 anos de experiência em gerenciamento de risco

Sistemas avançados de tecnologia bancária digital

Investimento de infraestrutura tecnológica de US $ 14,3 milhões em 2023, apoiando:

• Plataformas bancárias móveis
• Sistemas de transação online
• Mecanismos de proteção de segurança cibernética

Portfólio de empréstimos diversificados

Categoria de empréstimo	Valor total do portfólio	Porcentagem de portfólio
Imóveis comerciais	US $ 3,1 bilhões	42%
Empréstimos agrícolas	US $ 1,5 bilhão	20%
Hipotecas residenciais	US $ 1,2 bilhão	16%
Empréstimos ao consumidor	US $ 850 milhões	12%
Empréstimos de construção	US $ 600 milhões	8%

Rede robusta de atendimento ao cliente

Métricas de atendimento ao cliente para 2023:

• Base total de clientes: 287.000
• Classificação de satisfação do cliente: 4.6/5
• Tempo médio de resposta: 12 minutos
• Canais de suporte digital: 5 plataformas

Great Southern Bancorp, Inc. (GSBC) - Modelo de Negócios: Proposições de Valor

Soluções bancárias personalizadas para comunidades locais

No quarto trimestre 2023, o Great Southern Bancorp atende a 119 locais bancários em Missouri, Arkansas e Kansas. O banco mantém US $ 8,45 bilhões em ativos totais com uma abordagem focada nos serviços bancários centrados na comunidade.

Cobertura geográfica	Número de locais	Total de ativos
Missouri	76	US $ 5,2 bilhões
Arkansas	27	US $ 2,1 bilhões
Kansas	16	US $ 1,15 bilhão

Taxas de juros competitivas para empréstimos e depósitos

Em 31 de dezembro de 2023, o Great Southern Bancorp ofereceu as seguintes taxas competitivas:

Tipo de produto	Intervalo de taxa de juros
Contas de poupança pessoal	3.25% - 4.50%
Verificação de negócios	2.75% - 3.90%
Empréstimos pessoais	6.25% - 12.75%
Empréstimos comerciais	5.50% - 9.25%

Serviços financeiros abrangentes para empresas e indivíduos

Great Southern Bancorp fornece uma gama diversificada de serviços financeiros:

• Empréstimos comerciais: US $ 3,2 bilhões em portfólio total de empréstimos comerciais
• Empréstimos agrícolas: US $ 625 milhões dedicados a empréstimos agrícolas
• Serviços de hipoteca: US $ 1,1 bilhão em empréstimos de hipotecas residenciais
• Serviços de investimento e gerenciamento de patrimônio
• Soluções financeiras de pequenas empresas

Forte abordagem focada no cliente

Métricas de satisfação do cliente para 2023:

Métrica	Percentagem
Taxa de retenção de clientes	87.5%
Adoção bancária on -line	72%
Usuários bancários móveis	58%

Produtos bancários personalizados para mercados agrícolas e rurais

Detalhes especializados do portfólio de empréstimos agrícolas:

• Empréstimos agrícolas totais: US $ 625 milhões
• Tamanho médio do empréstimo agrícola: US $ 275.000
• Tipos de empréstimos: financiamento de equipamentos, compra de terras, capital operacional
• Cobertura do mercado rural: 42 municípios de Missouri, Arkansas e Kansas

Great Southern Bancorp, Inc. (GSBC) - Modelo de Negócios: Relacionamentos do Cliente

Modelo bancário baseado em relacionamento

A partir de 2024, o Great Southern Bancorp mantém um modelo bancário baseado em relacionamento com as seguintes características:

Segmento de clientes	Tipo de relacionamento	Valor médio da conta
Bancos pessoais	Serviço pessoal de alto toque	$87,500
Banking de negócios	Gerentes de relacionamento dedicados	$425,000
Empréstimos agrícolas	Gerenciamento de relacionamento especializado	$612,000

Representantes bancários pessoais dedicados

O Great Southern Bancorp fornece suporte bancário personalizado por meio de:

• 1 banqueiro pessoal dedicado por 275 clientes
• Frequência média de interação do cliente: 4,2 vezes por trimestre
• Gerente de relacionamento Tempo de resposta: 2,3 horas

Engajamento do cliente orientado para a comunidade

Métrica de engajamento da comunidade	2024 dados
Eventos comunitários locais patrocinados	87
Investimento total da comunidade	US $ 1,2 milhão
Parcerias sem fins lucrativos locais	42

Canais de serviço digital e pessoal

Distribuição de serviços bancários multicanal:

• Locais da filial física: 142
• Rede ATM: 256 máquinas
• Usuários bancários online: 78% da base de clientes
• Usuários bancários móveis: 62% da base de clientes

Sistemas de suporte ao cliente responsivos

Canal de suporte	Tempo médio de resposta	Taxa de satisfação do cliente
Suporte telefônico	7,5 minutos	88%
Chat online	4,2 minutos	85%
Suporte por e -mail	12,6 horas	76%

Great Southern Bancorp, Inc. (GSBC) - Modelo de Negócios: Canais

Rede de ramificação física

A partir de 2024, o Great Southern Bancorp opera 89 centros bancários em Missouri, Arkansas, Kansas e Oklahoma.

Estado	Número de ramificações
Missouri	62
Arkansas	14
Kansas	7
Oklahoma	6

Plataforma bancária online

O banco fornece serviços de banco digital abrangente com os seguintes recursos:

• Gerenciamento de contas
• Transferências de fundos
• Serviços de pagamento da conta
• Declarações eletrônicas

Aplicativo bancário móvel

Estatísticas de aplicativos móveis:

• Disponível em plataformas iOS e Android
• Mais de 45.000 usuários de bancos móveis ativos
• Transações médias de login móvel mensal: 127.500

Serviços bancários telefônicos

O suporte ao cliente 24/7 no Call Center, localizado em Springfield, Missouri.

Métrica de serviço	Desempenho
Tempo médio de espera de chamada	2,7 minutos
Volume anual de chamada	378.000 ligações

Rede ATM

Cobertura total da rede ATM em 2024:

• ATMs totais: 104
• Transações gratuitas de caixas eletrônicos para titulares de contas
• A rede inclui locais no ramo e fora do local

Great Southern Bancorp, Inc. (GSBC) - Modelo de negócios: segmentos de clientes

Pequenas e médias empresas

A partir do quarto trimestre de 2023, o Great Southern Bancorp atende a aproximadamente 3.200 clientes comerciais pequenos e médios em Missouri, Arkansas e Kansas. Portfólio total de empréstimos comerciais: US $ 1,24 bilhão.

Segmento de negócios	Número de clientes	Tamanho médio do empréstimo
Negócios de varejo	1,150	$385,000
Empresas de serviço	890	$412,000
Fabricação	620	$578,000
Serviços profissionais	540	$345,000

Empresas do setor agrícola

Os empréstimos agrícolas representam 22,6% da carteira total de empréstimos do Great Southern, com US $ 612 milhões em empréstimos agrícolas em 31 de dezembro de 2023.

• Financiamento de equipamentos agrícolas: 672 clientes ativos
• Linha de crédito operacional: 1.043 empresas agrícolas
• Empréstimos de compra de terras: 214 clientes

Clientes bancários de varejo individuais

Total de clientes bancários de varejo: 87.400 a partir do quarto trimestre 2023. Base de depósito: US $ 3,2 bilhões.

Tipo de cliente	Número de clientes	Saldo médio da conta
Verificação pessoal	52,600	$8,750
Contas de poupança	35,200	$12,400

Organizações comunitárias locais

O Great Southern Bancorp atende 287 organizações comunitárias locais, com um investimento total da comunidade de US $ 4,3 milhões em 2023.

Indivíduos de alta rede

Segmento de gerenciamento de patrimônio: 412 clientes de alta rede com ativos totais sob gerenciamento de US $ 276 milhões em 31 de dezembro de 2023.

Suporte de riqueza	Número de clientes	Ativos médios
$ 1m - US $ 5m	276	US $ 2,1 milhões
US $ 5 milhões - US $ 10 milhões	86	US $ 6,4 milhões
Mais de US $ 10 milhões	50	US $ 15,2 milhões

Great Southern Bancorp, Inc. (GSBC) - Modelo de negócios: estrutura de custos

Despesas operacionais de ramificação

A partir de 2023 Relatório Anual, o Great Southern Bancorp registrou despesas operacionais totais de filial de US $ 51,3 milhões.

Categoria de despesa	Custo anual ($)
Custos de ocupação	18,700,000
Utilitários	3,600,000
Manutenção	5,200,000

Investimentos de tecnologia e infraestrutura digital

O investimento em tecnologia para 2023 totalizou US $ 12,4 milhões.

• Atualizações do sistema bancário principal: US $ 4,2 milhões
• Infraestrutura de segurança cibernética: US $ 3,6 milhões
• Desenvolvimento da plataforma bancária digital: US $ 4,6 milhões

Salários e benefícios dos funcionários

A compensação total dos funcionários para 2023 foi de US $ 93,7 milhões.

Componente de compensação	Valor ($)
Salários da base	68,500,000
Bônus de desempenho	12,300,000
Benefícios de saúde	8,900,000
Contribuições de aposentadoria	4,000,000

Custos de conformidade regulatória

As despesas regulatórias de conformidade em 2023 atingiram US $ 7,6 milhões.

• Taxas legais e de consultoria: US $ 3,2 milhões
• Software e sistemas de conformidade: US $ 2,4 milhões
• Treinamento e certificação: US $ 2.000.000

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2023 foram de US $ 6,9 milhões.

Canal de marketing	Gastos ($)
Marketing digital	2,800,000
Mídia tradicional	1,900,000
Patrocínio da comunidade	1,200,000
Programas de aquisição de clientes	1,000,000

Great Southern Bancorp, Inc. (GSBC) - Modelo de negócios: fluxos de receita

Receita de juros de carteiras de empréstimos

Para o ano fiscal de 2023, o Great Southern Bancorp registrou receita total de juros de US $ 367,1 milhões. Redução de juros de empréstimo:

Categoria de empréstimo	Receita de juros ($ m)
Imóveis comerciais	152.4
Empréstimos hipotecários residenciais	89.6
Empréstimos comerciais e industriais	73.2
Empréstimos ao consumidor	51.9

Serviços bancários baseados em taxas

A receita da taxa de 2023 totalizou US $ 54,3 milhões, com a seguinte quebra de serviço:

• Cobranças de serviço da conta de depósito: US $ 22,7 milhões
• Taxas de transação em caixa eletrônico e de débito: US $ 15,6 milhões
• Taxas de cheque especial: US $ 8,4 milhões
• Outras taxas de serviço bancário: US $ 7,6 milhões

Receita de empréstimos hipotecários

Empréstimos hipotecários geraram US $ 41,2 milhões em receita para 2023:

Tipo de hipoteca	Receita ($ m)
Origenas de hipotecas residenciais	28.6
Refinanciamento de hipotecas	12.6

Taxas de serviço de gerenciamento de patrimônio

Os serviços de gerenciamento de patrimônio produziram US $ 23,7 milhões em taxas durante 2023:

• Serviços de consultoria de investimento: US $ 12,4 milhões
• Taxas de planejamento da aposentadoria: US $ 6,9 milhões
• Serviços de confiança e planejamento imobiliário: US $ 4,4 milhões

Receita de investimento e gerenciamento de tesouraria

A receita de investimento para 2023 totalizou US $ 36,5 milhões:

Categoria de investimento	Renda ($ m)
Retornos de investimento em valores mobiliários	24.3
Serviços de Gerenciamento do Tesouro	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.