Great Southern Bank Mortgage Rates, Fees & Info
Reeds Spring, MOLEI: 1TMVIO1SD0RLIPEIW803
Tax ID: 44-0267430
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Bank Data
Review & Overview
Great Southern Bank is a smaller bank specializing in Home Purchase loans. Great Southern Bank has a high proportion of conventional loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: St. Louis, Springfield, Minneapolis, Phoenix, and Des Moines among others. We have data for 91 markets. (Some data included below & more in-depth data is available with an active subscription.)Great Southern Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Great Southern Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 12/16/24 |
| 30 Year Conventional Purchase | 6.71% | 12/16/24 |
| 30 Year Conventional Refi | 6.66% | 12/16/24 |
| 30 Year Cash-out Refi | 6.77% | 12/16/24 |
| 30 Year FHA Purchase | 7.04% | 12/16/24 |
| 30 Year FHA Refi | 6.27% | 12/16/24 |
| 30 Year VA Purchase | 5.91% | 12/16/24 |
| 30 Year USDA Purchase | 6.67% | 12/16/24 |
| 15 Year Conventional Purchase | 5.98% | 12/16/24 |
| 15 Year Conventional Refi | 5.73% | 12/16/24 |
| 15 Year Cash-out Refi | 5.73% | 12/16/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Great Southern Bank Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Great Southern Bank. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,118Origination Dollar Volume (All Markets)
$647,480,000Employee count
1,016Awards
×
![]()
Great Southern Bank - 2019
Great Southern Bank is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
Work for Great Southern Bank?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 339 | $123,715,000 | $364,941 | $2,422 | 4.12% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 577 | $86,245,000 | $149,471 | $2,493 | 4.16% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 124 | $65,580,000 | $528,871 | $1,057 | 5.01% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $43,130,000 | $21,565,000 | $4,626 | 3.64% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 134 | $41,160,000 | $307,164 | $2,371 | 4.11% |
| Outside of Metro Areas | 287 | $34,025,000 | $118,554 | $2,607 | 4.22% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $31,355,000 | $31,355,000 | $0 | 5.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 138 | $28,560,000 | $206,957 | $2,436 | 4.04% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $22,025,000 | $22,025,000 | $0 | 5.42% |
| TULSA, OK (FHA|USDA|VA) | 9 | $21,415,000 | $2,379,444 | $3,475 | 4.58% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 41 | $15,365,000 | $374,756 | $2,436 | 4.35% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 9 | $15,145,000 | $1,682,778 | $5,638 | 4.42% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 3 | $15,095,000 | $5,031,667 | $2,612 | 4.33% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $14,760,000 | $7,380,000 | $4,106 | 4.51% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 123 | $14,475,000 | $117,683 | $2,742 | 4.21% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 47 | $12,135,000 | $258,191 | $2,226 | 4.01% |
| JOPLIN, MO (FHA|USDA|VA) | 64 | $7,160,000 | $111,875 | $2,505 | 4.18% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $5,175,000 | $5,175,000 | $0 | 5.30% |
| Branson, MO (FHA|USDA|VA) | 41 | $4,395,000 | $107,195 | $2,740 | 4.17% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 5 | $3,135,000 | $627,000 | $4,920 | 3.64% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 2 | $2,930,000 | $1,465,000 | $3,620 | 4.44% |
| COLUMBIA, MO (FHA|USDA|VA) | 13 | $2,745,000 | $211,154 | $2,011 | 3.68% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $2,425,000 | $2,425,000 | $12,855 | 3.13% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $2,175,000 | $2,175,000 | $0 | 5.10% |
| AMES, IA (FHA|USDA|VA) | 11 | $1,735,000 | $157,727 | $2,171 | 3.84% |
| Outside of Metro Areas | 1 | $1,725,000 | $1,725,000 | $5,434 | 3.32% |
| Brainerd, MN (FHA|USDA|VA) | 4 | $1,510,000 | $377,500 | $2,482 | 3.86% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $1,430,000 | $715,000 | $2,093 | 4.19% |
| Ottawa, KS (FHA|USDA|VA) | 11 | $1,375,000 | $125,000 | $3,675 | 4.03% |
| Oskaloosa, IA (FHA|USDA|VA) | 17 | $1,335,000 | $78,529 | $2,987 | 4.33% |
| Pella, IA (FHA|USDA|VA) | 13 | $1,285,000 | $98,846 | $2,611 | 3.97% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $1,245,000 | $1,245,000 | $5,523 | 3.42% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $1,210,000 | $605,000 | $5,565 | 3.79% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $3,894 | 3.47% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $925,000 | $925,000 | $5,897 | 3.29% |
| Parsons, KS (FHA|USDA|VA) | 13 | $815,000 | $62,692 | $2,840 | 4.32% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $5,934 | 4.24% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $3,122 | 3.93% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $3,068 | 3.49% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $3,468 | 3.49% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $3,516 | 3.29% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $2,543 | 3.49% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 4.50% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $5,482 | 3.20% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $2,682 | 3.49% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $3,770 | 4.00% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,314 | 4.00% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $2,334 | 3.30% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $2,998 | 3.29% |
| Spirit Lake, IA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 3.75% |
| CHICO, CA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $5,678 | 3.20% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $2,243 | 3.63% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $5,127 | 3.29% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $3,920 | 3.49% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,109 | 4.56% |
| Lebanon, MO (FHA|USDA|VA) | 7 | $425,000 | $60,714 | $2,173 | 4.70% |
| West Plains, MO (FHA|USDA|VA) | 6 | $410,000 | $68,333 | $2,687 | 4.54% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,401 | 5.19% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,037 | 4.13% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $5,586 | 3.88% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,406 | 3.20% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,224 | 3.38% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,745 | 3.75% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,588 | 3.99% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,986 | 3.63% |
| Montrose, CO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,176 | 3.63% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,308 | 3.13% |
| LAWRENCE, KS (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $3,896 | 4.41% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 4.50% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,561 | 3.29% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,941 | 2.88% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 4.38% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,680 | 3.63% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 5.22% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,478 | 3.63% |
| Clinton, IA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,156 | 3.88% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,215 | 4.88% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,576 | 3.63% |
| Muscatine, IA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,915 | 4.00% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,023 | 4.29% |
| DUBUQUE, IA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,445 | 3.88% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,022 | 3.38% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.69% |
| Burlington, IA-IL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,359 | 4.13% |
| ST. CLOUD, MN (FHA|USDA|VA) | 2 | $60,000 | $30,000 | $0 | 5.99% |
| Farmington, MO (FHA|USDA|VA) | 2 | $50,000 | $25,000 | $2,046 | 4.19% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,062 | 3.69% |
| Owatonna, MN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.25% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,301 | 4.75% |
| Atchison, KS (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $199 | 5.49% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $2,262 | 4.13% |
Similar Lenders
We use machine learning to identify the top lenders compared against Great Southern Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
FINANCIAL PLUS Credit Union
Similarity Rank: 63
Similarity Rank: 63
SIOUXLAND FEDERAL CREDIT UNION
Similarity Rank: 108
Similarity Rank: 108
COMMUNITY 1ST CREDIT UNION
Similarity Rank: 117
Similarity Rank: 117
First Dakota National Bank
Similarity Rank: 120
Similarity Rank: 120
Citizens Savings and Loan Association, FSB
Similarity Rank: 141
Similarity Rank: 141
Raccoon Valley Bank
Similarity Rank: 145
Similarity Rank: 145
MAINSTREET FEDERAL CREDIT UNION
Similarity Rank: 160
Similarity Rank: 160
Southwest Missouri Bank
Similarity Rank: 176
Similarity Rank: 176
ASCENTRA
Similarity Rank: 180
Similarity Rank: 180
WEST COMMUNITY
Similarity Rank: 190
Similarity Rank: 190
Product Mix
For 2019, Great Southern Bank's most frequently originated type of loan was Conventional, with 1,417 originations. Their 2nd most popular type was HELOC, with 525 originations.
Loan Reason
For 2019, Great Southern Bank's most frequently cited loan purpose was Home Purchase, with 922 originations. The 2nd most popular reason was Refi, with 345 originations.
Loan Duration/Length
For 2019, Great Southern Bank's most frequently cited loan duration was 30 Year, with 1,104 originations. The 2nd most popular length was 10 Year, with 587 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 1,245 | $272,045,000 | $218,510 |
| $1k-2k | 146 | $22,700,000 | $155,479 |
| $2k-3k | 22 | $6,180,000 | $280,909 |
| $3k-4k | 4 | $1,810,000 | $452,500 |
Great Southern Bank's average total fees were $2,801, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,245 originations.
Interest Rates
During 2019, Great Southern Bank's average interest rate for loans was 3.90%, while their most frequently originated rate bucket for loans was 3-4%, with 1,038 originations.
Loan Sizing
2019 saw Great Southern Bank place emphasis on $100,000 or less loans with 845 originations, totaling $42,595,000 in origination value.
Applicant Income
Great Southern Bank lent most frequently to those with incomes in the $50k or less range, with 467 originations. The second most popular income band? $50k-75k, with 402 originations.
Applicant Debt to Income Ratio
Great Southern Bank lent most frequently to those with DTI ratios of 20-30%, with 575 originations. The next most common DTI ratio? 30-36%, with 409 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications78.31%
Great Southern Bank has a below average approval rate.
Pick Rate
Approvals leading to origination81.35%
Great Southern Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,118 | $647,480,000 | $305,703 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| GREAT WESTERN BANCORP, INC. | Conventional home mortgage | Struggling to pay mortgage | 1 | 50.0% |
| GREAT WESTERN BANCORP, INC. | Other type of mortgage | Closing on a mortgage | 1 | 50.0% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Great Southern Bank | 1500 S. Elliott, Suite E Aurora, MO 65605 | Full Service B&M | $18,116 |
| Great Southern Bank | 1 North Euclid Avenue Saint Louis, MO 63108 | Full Service B&M | $15,769 |
| Great Southern Bank | 1 Viburnum County Rd Viburnum, MO 65566 | Full Service B&M | $9,521 |
| Great Southern Bank | 100 Christina Marie Drive O Fallon, MO 63368 | Full Service B&M | $0 |
| Great Southern Bank | 100 East 19th Street Mountain Grove, MO 65711 | Full Service B&M | $28,245 |
| Great Southern Bank | 100 Pine Castle Estate Boulevard Fredericktown, MO 63645 | Full Service B&M | $7,684 |
| Great Southern Bank | 1000 W. Jackson Ozark, MO 65721 | Full Service B&M | $32,175 |
| Great Southern Bank | 101 North Main Street Piedmont, MO 63957 | Full Service B&M | $0 |
| Great Southern Bank | 1012 Loughborough Avenue Saint Louis, MO 63111 | Full Service B&M | $9,895 |
| Great Southern Bank | 1022 W Pleasant Street Knoxville, IA 50138 | Full Service B&M | $27,926 |
| Great Southern Bank | 10797 New Halls Ferry Road Saint Louis, MO 63136 | Full Service B&M | $6,043 |
| Great Southern Bank | 10880 West 175th Street Lakeville, MN 55044 | Full Service B&M | $55,497 |
| Great Southern Bank | 110 West Hensley Branson, MO 65616 | Full Service B&M | $39,099 |
| Great Southern Bank | 11050 Roe Avenue, Suite 100 Overland Park, KS 66210 | Full Service B&M | $21,832 |
| Great Southern Bank | 111 East Main Street Neosho, MO 64850 | Full Service B&M | $50,850 |
| Great Southern Bank | 11698 Manchester Road Des Peres, MO 63131 | Full Service B&M | $67,284 |
| Great Southern Bank | 118 South Street Stockton, MO 65785 | Full Service B&M | $23,280 |
| Great Southern Bank | 119 East Madison Street Iola, KS 66749 | Full Service B&M | $30,732 |
| Great Southern Bank | 1210 Parkway Shopping Center West Plains, MO 65775 | Full Service B&M | $22,769 |
| Great Southern Bank | 12257 University Avenue Clive, IA 50325 | Full Service B&M | $29,914 |
| Great Southern Bank | 1232 S Rangeline Joplin, MO 64804 | Full Service B&M | $12,430 |
| Great Southern Bank | 12500 Olive Street Creve Coeur, MO 63141 | Full Service B&M | $70,005 |
| Great Southern Bank | 1290 Copper Creek Drive Pleasant Hill, IA 50327 | Full Service B&M | $15,726 |
| Great Southern Bank | 1300 Jungermann Road Saint Peters, MO 63376 | Full Service B&M | $14,191 |
| Great Southern Bank | 1305 Nw 12th Avenue Ava, MO 65608 | Full Service B&M | $32,735 |
| Great Southern Bank | 1320 West Battlefield Road Springfield, MO 65807 | Full Service B&M | $22,180 |
| Great Southern Bank | 1391 North Main Street Nixa, MO 65714 | Full Service B&M | $17,075 |
| Great Southern Bank | 14309 State Highway 13 Reeds Spring, MO 65737 | Full Service B&M | $0 |
| Great Southern Bank | 14411 State Highway 7 Climax Springs, MO 65324 | Full Service B&M | $17,330 |
| Great Southern Bank | 1444 West State Highway J Ozark, MO 65721 | Full Service B&M | $13,178 |
| Great Southern Bank | 1451 East Battlefield Road Springfield, MO 65804 | Full Service B&M | $305,170 |
| Great Southern Bank | 150 S.E. Todd George Parkway Lees Summit, MO 64063 | Full Service B&M | $17,652 |
| Great Southern Bank | 1510 State Highway 248 Branson, MO 65616 | Full Service B&M | $22,280 |
| Great Southern Bank | 1515 Baptiste Drive Paola, KS 66071 | Full Service B&M | $58,937 |
| Great Southern Bank | 15315 West 135th Street Olathe, KS 66061 | Full Service B&M | $9,679 |
| Great Southern Bank | 16062 Manchester Road Ellisville, MO 63011 | Full Service B&M | $31,931 |
| Great Southern Bank | 1615 West Sunshine Springfield, MO 65804 | Full Service B&M | $9,470 |
| Great Southern Bank | 1710 East 32nd Street Joplin, MO 64804 | Full Service B&M | $30,674 |
| Great Southern Bank | 1719-1727 Corning Street Parsons, KS 67357 | Limited, Drive-thru | $1,356 |
| Great Southern Bank | 1805 West Kearney Springfield, MO 65803 | Full Service B&M | $48,171 |
| Great Southern Bank | 1875 County Road B2 West Roseville, MN 55113 | Full Service B&M | $82,703 |
| Great Southern Bank | 1900 Main Street Parsons, KS 67357 | Full Service B&M | $35,548 |
| Great Southern Bank | 1902 Harlan Drive Bellevue, NE 68005 | Full Service B&M | $0 |
| Great Southern Bank | 1907 First Avenue East Newton, IA 50208 | Full Service B&M | $77,612 |
| Great Southern Bank | 200 East 2nd Street Annapolis, MO 63620 | Full Service B&M | $0 |
| Great Southern Bank | 201 East Cherry Street Nevada, MO 64772 | Full Service B&M | $45,427 |
| Great Southern Bank | 201 West 1st Fair Play, MO 65649 | Full Service B&M | $0 |
| Great Southern Bank | 2020 East Kimberly Road Davenport, IA 52807 | Full Service B&M | $30,251 |
| Great Southern Bank | 2040 S. Princeton Ottawa, KS 66067 | Full Service B&M | $33,559 |
| Great Southern Bank | 210 Ne Delaware Avenue Ankeny, IA 50021 | Full Service B&M | $24,766 |
| Great Southern Bank | 2102 Spruce Hills Drive Bettendorf, IA 52722 | Full Service B&M | $22,560 |
| Great Southern Bank | 218 South Glenstone Avenue Springfield, MO 65802 | Full Service Cyber Office | $6,749 |
| Great Southern Bank | 218 South Glenstone Avenue Springfield, MO 65802 | Full Service B&M | $954,855 |
| Great Southern Bank | 22330 Harrison Street Spring Hill, KS 66083 | Full Service B&M | $20,463 |
| Great Southern Bank | 2351 West Locust Street, Suite 100 Davenport, IA 52804 | Full Service B&M | $4,976 |
| Great Southern Bank | 2419 Highway K O Fallon, MO 63366 | Full Service B&M | $17,251 |
| Great Southern Bank | 2435 South Brentwood Blvd Saint Louis, MO 63144 | Full Service B&M | $17,685 |
| Great Southern Bank | 2449 South Campbell Springfield, MO 65807 | Full Service B&M | $23,261 |
| Great Southern Bank | 2522 Pinnacle Hills Parkway, Suite 101 Rogers, AR 72758 | Full Service B&M | $19,833 |
| Great Southern Bank | 2552 W. Martin Luther King Blvd Fayetteville, AR 72701 | Full Service B&M | $0 |
| Great Southern Bank | 256 East Highway 54 Camdenton, MO 65020 | Full Service B&M | $30,994 |
| Great Southern Bank | 2562 North Glenstone Avenue Springfield, MO 65803 | Full Service B&M | $40,799 |
| Great Southern Bank | 2609 East Sunshine Springfield, MO 65804 | Full Service B&M | $43,976 |
| Great Southern Bank | 2630 Muegge Road Saint Charles, MO 63303 | Full Service B&M | $22,245 |
| Great Southern Bank | 2727 Hamilton Boulevard Sioux City, IA 51103 | Full Service B&M | $24,960 |
| Great Southern Bank | 2735 W Chestnut Springfield, MO 65802 | Full Service B&M | $18,243 |
| Great Southern Bank | 2738 Cornhusker Drive South Sioux City, NE 68776 | Full Service B&M | $23,518 |
| Great Southern Bank | 2805 S Ankeny Blvd Ankeny, IA 50023 | Full Service B&M | $11,201 |
| Great Southern Bank | 2900 Devils Glen Road Bettendorf, IA 52722 | Full Service Retail | $18,585 |
| Great Southern Bank | 2945 West Republic Road Springfield, MO 65807 | Full Service B&M | $22,306 |
| Great Southern Bank | 2981 Dougherty Ferry Valley Park, MO 63088 | Full Service B&M | $25,354 |
| Great Southern Bank | 300 S.W. Ward Rd Lees Summit, MO 64063 | Full Service B&M | $47,410 |
| Great Southern Bank | 3031 Lake St. Louis Boulevard Lake Saint Louis, MO 63367 | Full Service B&M | $21,998 |
| Great Southern Bank | 3200 South Providence Road Columbia, MO 65203 | Full Service B&M | $12,838 |
| Great Southern Bank | 329 Pierce Street Sioux City, IA 51101 | Full Service B&M | $89,426 |
| Great Southern Bank | 331 South Avenue Springfield, MO 65806 | Full Service B&M | $41,638 |
| Great Southern Bank | 34102 Commerce Drive De Soto, KS 66018 | Full Service B&M | $14,845 |
| Great Southern Bank | 366 S. Kirkwood Road Saint Louis, MO 63122 | Full Service B&M | $18,371 |
| Great Southern Bank | 3839 Indian Hills Drive Sioux City, IA 51104 | Full Service B&M | $27,402 |
| Great Southern Bank | 400 East Walnut Street Ellington, MO 63638 | Full Service B&M | $14,106 |
| Great Southern Bank | 402 Lincoln Way Ames, IA 50010 | Full Service B&M | $7,181 |
| Great Southern Bank | 407 Mccune Street Pilot Knob, MO 63663 | Full Service B&M | $19,339 |
| Great Southern Bank | 4200 East Skelly Drive, Suite 900 Tulsa, OK 74135 | Full Service B&M | $0 |
| Great Southern Bank | 4211 Morningside Avenue Sioux City, IA 51106 | Full Service B&M | $41,437 |
| Great Southern Bank | 427 West Kimberly Road Davenport, IA 52806 | Full Service B&M | $21,158 |
| Great Southern Bank | 4700 Mid Rivers Mall Drive Branch Saint Peters, MO 63376 | Full Service B&M | $22,808 |
| Great Southern Bank | 4701 Singing Hills Blvd Sioux City, IA 51106 | Full Service B&M | $29,939 |
| Great Southern Bank | 509 A Avenue West Oskaloosa, IA 52577 | Full Service B&M | $26,698 |
| Great Southern Bank | 5206 West 95th Street Prairie Village, KS 66207 | Full Service B&M | $18,770 |
| Great Southern Bank | 524 East Jackson Willard, MO 65781 | Full Service B&M | $19,833 |
| Great Southern Bank | 528 South Jefferson Lebanon, MO 65536 | Full Service B&M | $29,207 |
| Great Southern Bank | 600 West Republic Road Springfield, MO 65807 | Full Service B&M | $19,749 |
| Great Southern Bank | 6173 Telegraph Road Saint Louis, MO 63129 | Full Service B&M | $18,079 |
| Great Southern Bank | 620 East Harrison Street Republic, MO 65738 | Full Service B&M | $25,494 |
| Great Southern Bank | 6545 France Avenue South Suite 130 Edina, MN 55435 | Full Service B&M | $57,185 |
| Great Southern Bank | 6800 South Rock Hill Affton, MO 63123 | Full Service B&M | $42,300 |
| Great Southern Bank | 7001 South 36th Street Bellevue, NE 68005 | Full Service B&M | $0 |
| Great Southern Bank | 705 N. Business Hwy 60 Mansfield, MO 65704 | Full Service B&M | $7,981 |
| Great Southern Bank | 713 South Neosho Boulevard Neosho, MO 64850 | Full Service B&M | $0 |
| Great Southern Bank | 714 Neosho Blvd Neosho, MO 64850 | Full Service B&M | $0 |
| Great Southern Bank | 717 West Mount Vernon Nixa, MO 65714 | Full Service B&M | $40,461 |
| Great Southern Bank | 723 North Benton Springfield, MO 65802 | Full Service B&M | $32,526 |
| Great Southern Bank | 7685 Zachary Lane Maple Grove, MN 55369 | Full Service B&M | $39,470 |
| Great Southern Bank | 7701 Forsyth Blvd. Suite 100 Saint Louis, MO 63105 | Full Service B&M | $0 |
| Great Southern Bank | 8013 West Florissant Avenue Jennings, MO 63136 | Full Service B&M | $4,570 |
| Great Southern Bank | 8235 Forsyth Boulevard, Suite 150 Clayton, MO 63105 | Full Service B&M | $50,709 |
| Great Southern Bank | 921 Iowa Avenue Onawa, IA 51040 | Full Service B&M | $26,059 |
| Great Southern Bank | 956 Wolfrum Road Weldon Spring, MO 63304 | Full Service B&M | $19,692 |
| Great Southern Bank | Highway 13 And 00 Kimberling City, MO 65686 | Full Service B&M | $27,202 |
| Great Southern Bank | Lake Street And State Highway 39 Greenfield, MO 65661 | Limited, Drive-thru | $43,473 |
| Great Southern Bank | State Highways 5 And 7 Camdenton, MO 65020 | Full Service B&M | $25,260 |
For 2019, Great Southern Bank had 111 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $236,669 |
| Net interest income | $187,464 |
| Total noninterest income | $29,194 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $9,668 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $19,526 |
| Pre-tax net operating income | $97,587 |
| Securities gains (or losses, -) | $-62 |
| Income before extraordinary items | $79,695 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $79,695 |
| Minority interest net income | $0 |
| Net income | $79,695 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $79,745 |
Great Southern Bank's gross interest income from loans was $236,669,000.
Great Southern Bank's net interest income from loans was $187,464,000.
Great Southern Bank's fee based income from loans was $9,668,000.
Great Southern Bank's net income from loans was $79,695,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $49,205 |
| Provision for credit losses | $6,150 |
| Total noninterest expense | $112,921 |
| Salaries and employee benefits | $61,948 |
| Premises and equipment expense | $19,106 |
| Additional noninterest expense | $31,867 |
| Applicable income taxes | $17,830 |
| Net charge-offs | $4,265 |
| Cash dividends | $32,000 |
Great Southern Bank's interest expense for loans was $49,205,000.
Great Southern Bank's payroll and benefits expense were $61,948,000.
Great Southern Bank's property, plant and equipment expenses $19,106,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 1.0% |
| HELOC loans | 0.0% |
| All other family | 1.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $4,026,316 |
| Deposits held in domestic offices | $4,026,316 |
| Deposits by Individuals, partnerships, and corporations | $3,892,362 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $128,291 |
| Deposits by Commercial banks and other depository institutions in U.S. | $5,663 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $1,501,618 |
| Demand deposits | $1,244,188 |
| Nontransaction accounts | $2,524,698 |
| Money market deposit accounts (MMDAs) | $792,740 |
| Other savings deposits (excluding MMDAs) | $10,849 |
| Total time deposits | $1,721,109 |
| Total time and savings deposits | $2,782,128 |
| Noninterest-bearing deposits | $1,244,188 |
| Interest-bearing deposits | $2,782,128 |
| Retail deposits | $3,501,499 |
| IRAs and Keogh plan accounts | $118,235 |
| Brokered deposits | $371,701 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $5,014,991 |
| Cash & Balances due from depository institutions | $220,185 |
| Interest-bearing balances | $120,856 |
| Total securities | $374,175 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $4,163,224 |
| Loan and leases loss allowance | $40,294 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $140,239 |
| Other real estate owned | $4,980 |
| Goodwill and other intangibles | $8,123 |
| All other assets | $104,065 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $5,014,991 |
| Total Liabilities | $4,364,607 |
| Total deposits | $4,026,316 |
| Interest-bearing deposits | $2,782,128 |
| Deposits held in domestic offices | $4,026,316 |
| % insured (estimated) | $86 |
| Federal funds purchased and repurchase agreements | $84,167 |
| Trading liabilities | $0 |
| Other borrowed funds | $204,754 |
| Subordinated debt | $0 |
| All other liabilities | $49,370 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $4,163,224 |
| Loan and leases loss allowance | $40,294 |
| Total loans and leases (domestic) | $4,203,518 |
| All real estate loans | $3,734,495 |
| Real estate loans in domestic offices | $3,734,495 |
| Construction and development loans | $702,279 |
| Residential 1-4 family construction | $14,887 |
| Other construction, all land development and other land | $687,392 |
| Loans secured by nonfarm nonresidential properties | $1,471,105 |
| Nonfarm nonresidential secured by owner-occupied properties | $169,996 |
| Commercial real estate & other non-farm, non-residential | $1,301,109 |
| Multifamily residential real estate | $817,684 |
| 1-4 family residential loans | $719,376 |
| Farmland loans | $24,051 |
| Loans held in foreign offices | $0 |
| Farm loans | $2,902 |
| Commercial and industrial loans | $243,084 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $199,214 |
| Credit card loans | $0 |
| Related Plans | $10,296 |
| Consumer Auto Loans | $151,852 |
| Other loans to individuals | $37,066 |
| All other loans & leases | $30,898 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $6,164 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $32,412 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $1,019 |
| Non 1-4 family restructured loans & leases | $697 |
| Total loans and leases (foreign) | $0 |
Great Southern Bank had $4,163,224,000 of loans outstanding in 2019. $3,734,495,000 of loans were in real estate loans. $702,279,000 of loans were in development loans. $817,684,000 of loans were in multifamily mortgage loans. $719,376,000 of loans were in 1-4 family mortgage loans. $2,902,000 of loans were in farm loans. $0 of loans were in credit card loans. $151,852,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 514 | $147,111 | $286,208 |
| Nonfarm, nonresidential loans - <$100k | 88 | $2,891 | $32,852 |
| Nonfarm, nonresidential loans - $100-250k | 126 | $14,421 | $114,452 |
| Nonfarm, nonresidential loans - $250k-1MM | 300 | $129,799 | $432,663 |
| Commercial & Industrial, US addressed loans - <$1MM | 533 | $48,227 | $90,482 |
| Commercial & Industrial, US addressed loans - <$100k | 314 | $7,287 | $23,207 |
| Commercial & Industrial, US addressed loans - $100-250k | 107 | $9,361 | $87,486 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 112 | $31,579 | $281,955 |
| Farmland loans - <$1MM | 140 | $11,193 | $79,950 |
| Farmland loans - <$100k | 76 | $2,259 | $29,724 |
| Farmland loans - $100-250k | 45 | $4,673 | $103,844 |
| Farmland loans - $250k-1MM | 19 | $4,261 | $224,263 |
| Agriculture operations loans - <$1MM | 68 | $2,902 | $42,676 |
| Agriculture operations loans - <$100k | 55 | $949 | $17,255 |
| Agriculture operations loans - $100-250k | 10 | $1,056 | $105,600 |
| Agriculture operations loans - $250k-1MM | 3 | $897 | $299,000 |