Headquartered in Reeds Spring, Missouri, Great Southern Bank is a state-chartered bank with $5.5B in total assets and $4.4B in deposits as of Q2 2026. It operates 108 offices across 7 states. Its charter dates back to 1923.
Based on its Q2 2026 filing, Great Southern Bank scores 73/100, which we describe as strong. That is higher than 70% of 897 banks with $1 billion – $10 billion. Among 194 banks headquartered in Missouri, it ranks 88th. Its strongest component is loan quality (99/100; 0.02%), and its lowest is funding & liquidity (36/100; 99% loans-to-deposits, 38% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (74 → 73).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 72 |
| Q4 2024 | 71 |
| Q1 2025 | 73 |
| Q2 2025 | 74 |
| Q3 2025 | 75 |
| Q4 2025 | 74 |
| Q1 2026 | 73 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.43% |
| Q3 2024 | 11.17% |
| Q4 2024 | 11.03% |
| Q1 2025 | 11.08% |
| Q2 2025 | 11.20% |
| Q3 2025 | 11.51% |
| Q4 2025 | 11.28% |
| Q1 2026 | 11.30% |
| Q2 2026 | 11.33% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.23% |
| Q3 2024 | 0.16% |
| Q4 2024 | 0.08% |
| Q1 2025 | 0.07% |
| Q2 2025 | 0.04% |
| Q3 2025 | 0.04% |
| Q4 2025 | 0.05% |
| Q1 2026 | 0.08% |
| Q2 2026 | 0.02% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.17% |
| Q3 2024 | 1.19% |
| Q4 2024 | 1.17% |
| Q1 2025 | 1.27% |
| Q2 2025 | 1.37% |
| Q3 2025 | 1.34% |
| Q4 2025 | 1.31% |
| Q1 2026 | 1.31% |
| Q2 2026 | 1.26% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $5.5B | 11.33% | 0.02% | 1.26% | 98.6% |
| Q1 2026 | 73 | $5.7B | 11.30% | 0.08% | 1.31% | 99.0% |
| Q4 2025 | 74 | $5.6B | 11.28% | 0.05% | 1.31% | 96.0% |
| Q3 2025 | 75 | $5.7B | 11.51% | 0.04% | 1.34% | 98.0% |
| Q2 2025 | 74 | $5.9B | 11.20% | 0.04% | 1.37% | 96.3% |
| Q1 2025 | 73 | $6.0B | 11.08% | 0.07% | 1.27% | 96.7% |
| Q4 2024 | 71 | $6.0B | 11.03% | 0.08% | 1.17% | 100.0% |
| Q3 2024 | 72 | $6.0B | 11.17% | 0.16% | 1.19% | 98.8% |
| Q2 2024 | 71 | $6.0B | 11.43% | 0.23% | 1.17% | 99.4% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Southern BankBank Poplar Bluff, MO | 70 out of 100, Strong | $5.2B | 10.4% | 0.63% | vs |
| First State Community BankBank Farmington, MO | 73 out of 100, Strong | $4.5B | 11.7% | 1.07% | vs |
| First BankBank St. Louis, MO | 66 out of 100, Moderate | $6.7B | 9.7% | 0.27% | vs |
| The Bank of MissouriBank Perryville, MO | 55 out of 100, Moderate | $4.2B | 9.6% | 1.53% | vs |
| Oakstar BankBank Springfield, MO | 69 out of 100, Moderate | $3.3B | 9.8% | 0.48% | vs |
| Academy Bank, National AssociationBank Kansas City, MO | 73 out of 100, Strong | $3.2B | 14.3% | 1.05% | vs |
Deposit insurance
Is my money safe at Great Southern Bank?
Yes. Great Southern Bank is an FDIC-insured institution (FDIC certificate #29546). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 38.2% of deposits ($1.7B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.33%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.57% (benchmark: 10%).
108 locations
Branches
Great Southern Bank lists 100 offices in 67 cities across 7 states. Most locations:
- Springfield, MO (12)
- Saint Louis, MO (7)
- Sioux City, IA (5)
- Davenport, IA (3)
- Ankeny, IA (2)
- Bellevue, NE (2)
- Bettendorf, IA (2)
- Branson, MO (2)
- Camdenton, MO (2)
- Lees Summit, MO (2)
- Neosho, MO (2)
- Nixa, MO (2)
HMDA 2025
Mortgage lending
In 2025, Great Southern Bank reported 1,946 home-loan applications under HMDA (LEI 1TMVIO1SD0RLIPEIW803): 1,311 originated ($383,175,000 total), 429 denied, and 199 withdrawn or closed by the applicant. Its denial rate on decided applications was 24.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Great Southern Bank
- Former names
- Great Southern Savings Bank; Great Southern Savings and Loan Association; Great Southern Bank, FSB
- Type
- State-chartered bank
- FDIC certificate #
- 29546
- RSSD ID
- 572374
- Primary regulator
- FDIC
- Holding company
- Great Southern Bcorp Inc
- Established
- January 1, 1923
- Headquarters
- 14309 State Highway 13, Reeds Spring, MO 65737
- Website
- www.greatsouthernbank.com
- Employees
- 950
Quick answers
Great Southern Bank: common questions
Is Great Southern Bank FDIC insured?
Yes. Great Southern Bank is an FDIC-insured institution (FDIC certificate #29546). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Great Southern Bank's TellerScore?
73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Great Southern Bank ever failed?
There is no failure record for FDIC certificate #29546 in the FDIC failed bank list.
How many branches does Great Southern Bank have?
108 offices as of the latest FDIC data, in 7 states.
Nearby
Highest-scoring banks and credit unions with branches near Reeds Spring
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples Community BankBank Greenville, MO | 83 out of 100, Strong | $735.2M | 18.5% | 1.23% | vs |
| Anstaff BankBank Green Forest, AR | 79 out of 100, Strong | $1.2B | 10.2% | 0.14% | vs |
| Commerce BankBank Kansas City, MO | 76 out of 100, Strong | $35.0B | 11.4% | 0.17% | vs |
| Stockmens BankBank Colorado Springs, CO | 75 out of 100, Strong | $650.8M | 10.6% | 0.18% | vs |
| Academy Bank, National AssociationBank Kansas City, MO | 73 out of 100, Strong | $3.2B | 14.3% | 1.05% | vs |
| Freedom Bank of Southern MissouriBank Cassville, MO | 73 out of 100, Strong | $850.1M | 8.7% | 0.13% | vs |