Great Southern Bank Mortgage Rates, Fees & Info

Reeds Spring, MO

LEI: 1TMVIO1SD0RLIPEIW803

Tax ID: 44-0267430

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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% 3/28/24
30 Year Conventional Purchase 6.71% 3/28/24
30 Year Conventional Refi 6.66% 3/28/24
30 Year Cash-out Refi 6.77% 3/28/24
30 Year FHA Purchase 7.04% 3/28/24
30 Year FHA Refi 6.27% 3/28/24
30 Year VA Purchase 5.91% 3/28/24
30 Year USDA Purchase 6.67% 3/28/24
15 Year Conventional Purchase 5.98% 3/28/24
15 Year Conventional Refi 5.73% 3/28/24
15 Year Cash-out Refi 5.73% 3/28/24
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

2,118

Origination Dollar Volume (All Markets)

$647,480,000

Employee count

1,016 Show all (23) awards

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%
Great Southern Bank's top markets include St. Louis, Springfield, Minneapolis, Phoenix, and Des Moines among others.

Their top states include:
  • Missouri (FHA|USDA|VA)
  • Iowa (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • 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.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,417 $582,905,000 $411,366 $2,280 4.18%
    HELOC 525 $37,685,000 $71,781 n/a 4.43%
    USDA 84 $10,760,000 $128,095 $3,693 3.78%
    VA 55 $11,065,000 $201,182 $4,004 3.49%
    FHA 37 $5,065,000 $136,892 $4,868 3.79%

    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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 922 $417,410,000 $452,722 $2,965 4.06%
    Refi 345 $126,795,000 $367,522 $2,219 4.01%
    Cash Out Refi 329 $67,095,000 $203,936 $1,998 4.28%
    Other 316 $24,630,000 $77,943 $986 4.49%
    Home Improvement 206 $11,550,000 $56,068 $899 4.56%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,104 $264,120,000 $239,239 $2,801 3.90%
    10 Year 587 $36,595,000 $62,342 $541 4.63%
    5 Year 131 $240,285,000 $1,834,237 $0 4.78%
    15 Year 108 $18,230,000 $168,796 $2,238 3.62%
    20 Year 77 $7,705,000 $100,065 $1,253 4.23%
    Other 55 $35,375,000 $643,182 $429 4.85%
    1 Year 26 $6,240,000 $240,000 $0 5.50%
    30+ year 20 $6,450,000 $322,500 $4,716 3.64%
    3 Year 10 $32,480,000 $3,248,000 $0 5.26%

    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

    Loan Rate Originations Total Value Average Loan
    3-4% 1,038 $280,660,000 $270,385
    4-5% 806 $211,020,000 $261,811
    5-6% 223 $127,625,000 $572,309
    2.5-3% 45 $13,045,000 $289,889
    6-7% 4 $240,000 $60,000
    <2.5% 1 $5,000 $5,000
    % 1 $14,885,000 $14,885,000

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 845 $42,595,000 $50,408 $1,591 4.56%
    $100k-200k 653 $92,605,000 $141,815 $2,594 4.02%
    $200k-400k 410 $112,850,000 $275,244 $2,891 3.88%
    $400k-600k 97 $46,855,000 $483,041 $3,220 3.72%
    $600k-1MM 62 $46,130,000 $744,032 $3,358 3.83%
    $1MM+ 51 $306,445,000 $6,008,725 $5,120 4.53%

    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

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 467 $39,185,000 $83,908 $2,425 4.25%
    $50k-75k 402 $46,530,000 $115,746 $2,546 4.08%
    $100k-150k 301 $51,205,000 $170,116 $2,367 4.15%
    $75k-100k 269 $37,085,000 $137,862 $2,297 4.14%
    $150k-250k 230 $57,960,000 $252,000 $2,586 4.02%
    $250k+ 211 $96,465,000 $457,180 $2,964 3.98%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 575 $100,605,000 $174,965 $2,381 4.08%
    30-36% 409 $75,485,000 $184,560 $2,609 4.13%
    <20% 308 $50,980,000 $165,519 $2,155 4.20%
    39% 91 $13,235,000 $145,440 $2,623 4.10%
    38% 80 $13,140,000 $164,250 $2,559 4.06%
    40% 78 $13,190,000 $169,103 $2,856 4.16%
    42% 74 $17,380,000 $234,865 $2,453 4.07%
    37% 67 $11,145,000 $166,343 $2,401 4.23%
    36% 60 $9,200,000 $153,333 $2,864 4.12%
    41% 52 $9,250,000 $177,885 $2,473 4.12%
    44% 28 $4,700,000 $167,857 $2,558 4.11%
    43% 26 $4,300,000 $165,385 $2,444 4.28%
    45% 22 $2,980,000 $135,455 $2,445 4.01%
    48% 20 $2,750,000 $137,500 $3,349 4.13%
    46% 19 $2,505,000 $131,842 $3,862 4.05%
    47% 19 $4,065,000 $213,947 $3,021 4.10%
    49% 16 $2,740,000 $171,250 $3,798 3.98%
    50-60% 12 $1,800,000 $150,000 $5,131 4.78%
    >60% 12 $1,440,000 $120,000 $413 5.15%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,853 $320,395,000 $172,906 $2,530 4.13%
    Not applicable 120 $294,550,000 $2,454,583 $0 5.11%
    Not provided 89 $20,085,000 $225,674 $1,760 4.51%
    Asian 23 $5,805,000 $252,391 $2,387 3.80%
    Black 20 $4,690,000 $234,500 $2,255 4.45%
    American Indian 10 $1,760,000 $176,000 $2,962 4.16%
    Asian Indian 1 $105,000 $105,000 $0 5.25%
    Native Hawaiian or Islander 1 $65,000 $65,000 $0 4.69%
    Vietnamese 1 $25,000 $25,000 $0 4.69%

    Approval Rates

    Total approvals of all applications
    78.31%

    Great Southern Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    81.35%

    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

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 53 $284,315,000 $5,364,434
    Single Family (1-4 Units):Manufactured 32 $1,600,000 $50,000
    Single Family (1-4 Units):Site-Built 2,033 $361,565,000 $177,848

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 295 $30,785,000 $104,356 $1,566 4.43%
    40-60% 200 $88,670,000 $443,350 $2,167 4.25%
    60-80% 548 $310,190,000 $566,040 $2,597 4.08%
    80-100% 731 $202,325,000 $276,778 $2,935 3.95%
    Over 100% 4 $1,080,000 $270,000 $8,824 3.63%
    Under 20% 334 $13,020,000 $38,982 $232 4.74%

    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