TellerScore

Great Southern Bank is a state-chartered bank (fed member) headquartered in Meridian, Mississippi, in business for about 124 years. At the end of Q2 2026 it reported $355.1M in total assets and $312.0M in deposits, with 11 offices.

Based on its Q2 2026 filing, Great Southern Bank scores 66/100, which we describe as moderate. That is higher than only 31% of 2,650 banks with $100 million – $1 billion. Among 57 banks headquartered in Mississippi, it ranks 38th. Its strongest component is funding & liquidity (100/100; 46% loans-to-deposits, 15% uninsured), and its lowest is capital cushion (45/100; 9.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Tier 1 leverage ratio: 9.49%
Loan quality78/100
Noncurrent loans ÷ total loans: 0.67%
Earnings47/100
Return on assets (annualized): 0.67%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 45.8% · 14.6% uninsured
Problem-loan coverage86/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.05%

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 (65 → 66).

TellerScore
646974Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202471
Q4 202468
Q1 202564
Q2 202565
Q3 202565
Q4 202566
Q1 202667
Q2 202666
Tier 1 leverage ratio
5.00%7.43%9.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.70%
Q3 20249.87%
Q4 20249.08%
Q1 20259.35%
Q2 20259.61%
Q3 20259.72%
Q4 20259.83%
Q1 20269.69%
Q2 20269.49%
Noncurrent loans
0.45%0.58%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.47%
Q3 20240.72%
Q4 20240.49%
Q1 20250.45%
Q2 20250.45%
Q3 20250.63%
Q4 20250.66%
Q1 20260.58%
Q2 20260.67%
Return on assets
0.19%0.82%1.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.45%
Q3 20241.15%
Q4 20240.86%
Q1 20250.19%
Q2 20250.34%
Q3 20250.43%
Q4 20250.50%
Q1 20260.64%
Q2 20260.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$355.1M9.49%0.67%0.67%45.8%
Q1 202667$342.8M9.69%0.58%0.64%46.4%
Q4 202566$331.1M9.83%0.66%0.50%47.6%
Q3 202565$330.4M9.72%0.63%0.43%46.7%
Q2 202565$333.1M9.61%0.45%0.34%44.7%
Q1 202564$339.9M9.35%0.45%0.19%42.4%
Q4 202468$337.7M9.08%0.49%0.86%43.4%
Q3 202471$364.2M9.87%0.72%1.15%45.1%
Q2 202474$361.7M9.70%0.47%1.45%44.9%

2,650 peers · $100 million – $1 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).

Capital ratio9.49%
21st
Total risk-based capital21.09%
89th
Problem loans0.67%
38th
Net charge-offs0.02%
42nd
Return on assets0.67%
18th
Net interest margin3.34%
22nd
Efficiency ratio82.6%
11th
Loans to deposits45.8%
94th
Uninsured deposits14.6%
83rd
Loan-loss reserves0.65%
6th
Texas ratio7.0%
26th

Similar-size banks in Mississippi

InstitutionScoreAssetsCapitalProblem loansCompare
BankOkolonaBank Okolona, MS67 out of 100, Moderate$359.6M10.1%1.04%vs
Bank of KilmichaelBank Kilmichael, MS62 out of 100, Moderate$341.6M9.1%0.96%vs
The Cleveland State BankBank Cleveland, MS76 out of 100, Strong$340.2M11.2%0.26%vs
Copiah BankBank Hazlehurst, MS78 out of 100, Strong$332.2M11.8%0.19%vs
First Federal Savings and Loan AssociationBank Pascagoula, MS61 out of 100, Moderate$381.4M9.7%0.16%vs
First National Bank of ClarksdaleBank Clarksdale, MS73 out of 100, Strong$386.1M12.8%0.64%vs

Deposit insurance

Is my money safe at Great Southern Bank?

Yes. Great Southern Bank is an FDIC-insured institution (FDIC certificate #8552). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.6% of deposits ($45.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.49%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.09% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Great Southern Bank lists 11 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Great Southern Bank reported 107 home-loan applications under HMDA (LEI 549300KJAE0JN2Z6YV76): 93 originated ($11,485,000 total), 5 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.8%, 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
Bank of Quitman; Great Southern National Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
8552
RSSD ID
101738
Primary regulator
FED
Holding company
Great Southern Capital Corp
Established
March 2, 1902
Headquarters
218 22nd Ave S, Meridian, MS 39301
Employees
94

Quick answers

Great Southern Bank: common questions

Is Great Southern Bank FDIC insured?

Yes. Great Southern Bank is an FDIC-insured institution (FDIC certificate #8552). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Great Southern Bank's TellerScore?

66 out of 100 (Moderate), 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 #8552 in the FDIC failed bank list.

How many branches does Great Southern Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Meridian

InstitutionScoreAssetsCapitalProblem loansCompare
Meridian Postal Federal Credit UnionCredit union Meridian, MS86 out of 100, Very strong$4.4M23.0%0.00%vs
1st Mississippi Federal Credit UnionCredit union Meridian, MS79 out of 100, Strong$82.8M28.5%0.79%vs
Meridian Mississippi Ang Federal Credit UnionCredit union Meridian, MS78 out of 100, Strong$31.3M14.6%1.57%vs
The Commercial BankBank De Kalb, MS72 out of 100, Strong$295.5M10.6%0.25%vs
BankPlusBank Belzoni, MS71 out of 100, Strong$8.4B10.8%0.64%vs
Meridian Mutual Federal Credit UnionCredit union Meridian, MS71 out of 100, Strong$71.2M12.4%1.19%vs