Great Western Bank Mortgage Rates, Fees & Info

Sioux Falls, SD

LEI: GOJ1L4ZO0WN3FOYLH432

Tax ID: 46-0133550

5 stars - out of 5 stars, based on 53 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    Great Western Bank is a smaller bank specializing in Refi and Home Purchase loans. Great Western Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Sioux Falls, Omaha, Des Moines, Phoenix, and Aberdeen among others. We have data for 79 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Great Western 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 Western Bank is typically an average 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) 6.61% 11/26/22
    30 Year Conventional Purchase 6.89% 11/26/22
    30 Year Conventional Refi 6.80% 11/26/22
    30 Year Cash-out Refi 7.04% 11/26/22
    30 Year FHA Purchase 7.44% 11/26/22
    30 Year FHA Refi 7.03% 11/26/22
    30 Year VA Purchase 6.30% 11/26/22
    30 Year VA Refi 6.24% 11/26/22
    30 Year USDA Purchase 6.84% 11/26/22
    15 Year Conventional Purchase 6.23% 11/26/22
    15 Year Conventional Refi 6.31% 11/26/22
    15 Year Cash-out Refi 6.31% 11/26/22
    15 Year VA Refi 5.90% 11/26/22
    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.


    Originations

    2,840

    Origination Dollar Volume (All Markets)

    $571,170,000

    Employee count

    1,648 Show all (10) awards

    Relative Rate

    Great Western Bank's average 30 year fixed mortgage rate was 3%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.15%.

    Relative Fees (Closing Costs)

    Great Western Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $3,489.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    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
    SIOUX FALLS, SD (FHA|USDA|VA) 474 $102,640,000 $216,540 $3,078 3.43%
    Outside of Metro Areas 636 $70,370,000 $110,645 $2,709 3.82%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 285 $63,445,000 $222,614 $2,596 3.63%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 178 $36,250,000 $203,652 $2,396 3.51%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 52 $26,280,000 $505,385 $4,347 3.26%
    Aberdeen, SD (FHA|USDA|VA) 121 $23,015,000 $190,207 $3,897 3.30%
    LINCOLN, NE (FHA|USDA|VA) 139 $22,885,000 $164,640 $2,366 3.45%
    FARGO, ND-MN (FHA|USDA|VA) 7 $18,525,000 $2,646,429 $4,676 3.27%
    WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 28 $16,080,000 $574,286 $3,403 3.48%
    IOWA CITY, IA (FHA|USDA|VA) 18 $16,000,000 $888,889 $1,729 3.26%
    Watertown, SD (FHA|USDA|VA) 104 $14,780,000 $142,115 $3,726 3.83%
    AMES, IA (FHA|USDA|VA) 84 $13,910,000 $165,595 $2,783 3.31%
    Brookings, SD (FHA|USDA|VA) 60 $12,910,000 $215,167 $3,442 3.16%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 32 $10,770,000 $336,563 $3,245 3.76%
    TUCSON, AZ (FHA|USDA|VA) 11 $10,165,000 $924,091 $7,139 3.04%
    BOULDER, CO (FHA|USDA|VA) 36 $9,920,000 $275,556 $2,422 4.25%
    FORT COLLINS, CO (FHA|USDA|VA) 34 $9,600,000 $282,353 $3,971 3.95%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 23 $7,345,000 $319,348 $1,793 3.99%
    RAPID CITY, SD (FHA|USDA|VA) 37 $7,055,000 $190,676 $3,191 3.88%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 10 $6,610,000 $661,000 $3,004 3.11%
    GREELEY, CO (FHA|USDA|VA) 21 $6,395,000 $304,524 $2,984 3.73%
    GRAND ISLAND, NE (FHA|USDA|VA) 29 $5,185,000 $178,793 $3,796 3.97%
    Fort Dodge, IA (FHA|USDA|VA) 46 $4,150,000 $90,217 $2,396 3.60%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 15 $4,135,000 $275,667 $3,438 4.10%
    Kearney, NE (FHA|USDA|VA) 21 $3,845,000 $183,095 $2,252 3.46%
    Burlington, IA-IL (FHA|USDA|VA) 54 $3,660,000 $67,778 $1,743 4.08%
    Yankton, SD (FHA|USDA|VA) 31 $3,345,000 $107,903 $2,312 3.39%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 4 $3,130,000 $782,500 $3,322 3.33%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 9 $3,075,000 $341,667 $4,817 3.45%
    Hastings, NE (FHA|USDA|VA) 32 $3,000,000 $93,750 $2,083 4.01%
    Marshall, MN (FHA|USDA|VA) 21 $2,395,000 $114,048 $2,678 3.77%
    Mitchell, SD (FHA|USDA|VA) 19 $2,345,000 $123,421 $2,869 3.45%
    Columbus, NE (FHA|USDA|VA) 20 $2,150,000 $107,500 $1,682 4.02%
    Scottsbluff, NE (FHA|USDA|VA) 15 $2,115,000 $141,000 $3,154 3.63%
    Mason City, IA (FHA|USDA|VA) 5 $1,895,000 $379,000 $2,594 3.76%
    Marshalltown, IA (FHA|USDA|VA) 24 $1,880,000 $78,333 $2,122 3.55%
    Lexington, NE (FHA|USDA|VA) 13 $1,465,000 $112,692 $2,113 3.93%
    North Platte, NE (FHA|USDA|VA) 18 $1,410,000 $78,333 $2,622 4.21%
    Pierre, SD (FHA|USDA|VA) 7 $1,285,000 $183,571 $3,218 2.84%
    PUEBLO, CO (FHA|USDA|VA) 1 $1,225,000 $1,225,000 $0 4.00%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $1,190,000 $595,000 $5,521 3.06%
    Spearfish, SD (FHA|USDA|VA) 7 $1,145,000 $163,571 $5,953 3.90%
    YUMA, AZ (FHA|USDA|VA) 2 $1,100,000 $550,000 $4,426 2.75%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $900,000 $450,000 $9,141 2.75%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $855,000 $855,000 $4,429 2.88%
    Fremont, NE (FHA|USDA|VA) 5 $715,000 $143,000 $3,620 3.13%
    Wahpeton, ND-MN (FHA|USDA|VA) 1 $485,000 $485,000 $0 2.80%
    Norfolk, NE (FHA|USDA|VA) 6 $480,000 $80,000 $3,429 4.48%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $475,000 $475,000 $4,604 2.88%
    Pella, IA (FHA|USDA|VA) 2 $440,000 $220,000 $2,154 2.94%
    Nogales, AZ (FHA|USDA|VA) 1 $435,000 $435,000 $3,624 2.25%
    Vermillion, SD (FHA|USDA|VA) 2 $430,000 $215,000 $2,343 3.13%
    Beatrice, NE (FHA|USDA|VA) 4 $430,000 $107,500 $2,213 4.09%
    Spirit Lake, IA (FHA|USDA|VA) 3 $415,000 $138,333 $2,803 3.25%
    Sterling, CO (FHA|USDA|VA) 1 $405,000 $405,000 $0 4.19%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $355,000 $355,000 $3,979 3.25%
    Bozeman, MT (FHA|USDA|VA) 1 $345,000 $345,000 $4,713 3.00%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $335,000 $335,000 $4,064 2.75%
    Fergus Falls, MN (FHA|USDA|VA) 1 $305,000 $305,000 $2,670 2.88%
    Payson, AZ (FHA|USDA|VA) 1 $275,000 $275,000 $2,734 2.38%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $275,000 $275,000 $1,734 2.13%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $255,000 $255,000 $2,330 3.13%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $245,000 $245,000 $2,845 3.25%
    Show Low, AZ (FHA|USDA|VA) 1 $225,000 $225,000 $2,637 2.88%
    Fairmont, MN (FHA|USDA|VA) 1 $225,000 $225,000 $2,311 2.13%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $215,000 $215,000 $859 5.35%
    BILLINGS, MT (FHA|USDA|VA) 1 $205,000 $205,000 $2,856 3.00%
    EL PASO, TX (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.00%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $195,000 $195,000 $5,469 4.38%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $155,000 $155,000 $3,666 4.38%
    Huron, SD (FHA|USDA|VA) 2 $130,000 $65,000 $2,823 3.33%
    MANHATTAN, KS (FHA|USDA|VA) 1 $125,000 $125,000 $2,090 2.75%
    Ottumwa, IA (FHA|USDA|VA) 1 $115,000 $115,000 $1,941 3.00%
    Alexandria, MN (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.00%
    Dickinson, ND (FHA|USDA|VA) 1 $95,000 $95,000 $0 3.75%
    Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 2 $90,000 $45,000 $384 5.48%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $75,000 $75,000 $2,901 3.63%
    Fairfield, IA (FHA|USDA|VA) 1 $65,000 $65,000 $779 6.30%
    CaƱon City, CO (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.15%
    Great Western Bank's top markets include Sioux Falls, Omaha, Des Moines, Phoenix, and Aberdeen among others.

    Their top states include:
  • South Dakota (FHA|USDA|VA)
  • Iowa (FHA|USDA|VA)
  • Nebraska (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against Great Western 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 1,738 $457,660,000 $263,326 $2,642 3.19%
    HELOC 915 $78,235,000 $85,503 n/a 4.65%
    VA 74 $18,350,000 $247,973 $5,058 2.44%
    FHA 57 $9,255,000 $162,368 $5,433 2.74%
    USDA 56 $7,670,000 $136,964 $4,304 2.66%

    For 2021, Great Western Bank's most frequently originated type of loan was Conventional, with 1,738 originations. Their 2nd most popular type was HELOC, with 915 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,066 $224,650,000 $210,741 $2,327 3.75%
    Home Purchase 796 $214,520,000 $269,497 $3,593 3.12%
    Cash Out Refi 441 $86,055,000 $195,136 $2,869 2.90%
    Home Improvement 387 $28,995,000 $74,922 $712 4.78%
    Other 150 $16,950,000 $113,000 $1,128 4.51%

    For 2021, Great Western Bank's most frequently cited loan purpose was Refi, with 1,066 originations. The 2nd most popular reason was Home Purchase, with 796 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 1,001 $137,695,000 $137,557 $1,485 4.53%
    30 Year 933 $214,415,000 $229,812 $3,489 3.00%
    15 Year 469 $85,555,000 $182,420 $2,622 2.59%
    20 Year 186 $25,420,000 $136,667 $1,734 3.87%
    5 Year 168 $64,850,000 $386,012 $402 3.93%
    Other 45 $33,145,000 $736,556 $890 4.55%
    1 Year 28 $6,530,000 $233,214 $0 3.97%
    3 Year 10 $3,560,000 $356,000 $0 4.02%

    For 2021, Great Western Bank's most frequently cited loan duration was 10 Year, with 1,001 originations. The 2nd most popular length was 30 Year, with 933 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,008 $173,890,000 $172,510
    $1k-2k 456 $83,120,000 $182,281
    $2k-3k 147 $37,135,000 $252,619
    $3k-4k 60 $19,280,000 $321,333
    $5k+ 25 $13,665,000 $546,600
    $4k-5k 20 $9,110,000 $455,500

    Great Western Bank's average total fees were $3,489, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,008 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 888 $218,820,000 $246,419
    2.5-3% 685 $171,355,000 $250,153
    <2.5% 453 $113,695,000 $250,982
    5-6% 453 $32,795,000 $72,395
    4-5% 324 $32,900,000 $101,543
    6-7% 37 $1,605,000 $43,378

    During 2021, Great Western Bank's average interest rate for loans was 3.00%, while their most frequently originated rate bucket for loans was 3-4%, with 888 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,133 $58,575,000 $51,699 $1,649 4.32%
    $100k-200k 894 $129,490,000 $144,843 $2,723 3.20%
    $200k-400k 628 $165,710,000 $263,869 $3,541 3.07%
    $400k-600k 113 $54,265,000 $480,221 $4,888 3.06%
    $1MM+ 39 $136,545,000 $3,501,154 $7,404 3.25%
    $600k-1MM 33 $26,585,000 $805,606 $6,260 3.61%

    2021 saw Great Western Bank place emphasis on $100,000 or less loans with 1,133 originations, totaling $58,575,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 602 $75,670,000 $125,698 $2,856 3.56%
    $50k or less 579 $54,965,000 $94,931 $2,450 3.73%
    $100k-150k 534 $91,010,000 $170,431 $2,929 3.61%
    $75k-100k 454 $64,330,000 $141,696 $2,833 3.64%
    $150k-250k 254 $50,200,000 $197,638 $3,313 3.65%
    $250k+ 162 $65,880,000 $406,667 $4,115 3.47%

    Great Western Bank lent most frequently to those with incomes in the $50k-75k range, with 602 originations. The second most popular income band? $50k or less, with 579 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 694 $104,620,000 $150,749 $2,803 3.56%
    30-36% 496 $75,700,000 $152,621 $2,822 3.59%
    <20% 375 $54,315,000 $144,840 $2,608 3.80%
    42% 153 $20,105,000 $131,405 $2,842 3.91%
    37% 114 $18,350,000 $160,965 $3,138 3.53%
    41% 109 $20,835,000 $191,147 $2,876 3.78%
    36% 88 $14,130,000 $160,568 $3,629 3.54%
    40% 87 $13,595,000 $156,264 $3,232 3.46%
    38% 85 $15,055,000 $177,118 $2,960 3.41%
    43% 84 $11,620,000 $138,333 $2,735 3.74%
    39% 71 $12,855,000 $181,056 $3,029 3.59%
    44% 61 $12,345,000 $202,377 $3,583 2.90%
    >60% 38 $3,650,000 $96,053 $766 5.04%
    45% 32 $7,330,000 $229,063 $3,984 2.84%
    49% 29 $6,315,000 $217,759 $3,608 3.02%
    46% 29 $6,235,000 $215,000 $3,309 2.96%
    48% 28 $5,290,000 $188,929 $3,262 3.03%
    47% 27 $6,015,000 $222,778 $2,874 3.02%
    50-60% 13 $2,375,000 $182,692 $2,063 4.41%

    Great Western Bank lent most frequently to those with DTI ratios of 20-30%, with 694 originations. The next most common DTI ratio? 30-36%, with 496 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,155 $345,835,000 $160,480 $2,953 3.55%
    Not applicable 175 $154,305,000 $881,743 $0 3.74%
    Not provided 455 $60,675,000 $133,352 $2,516 3.97%
    Asian 22 $5,390,000 $245,000 $3,004 3.02%
    Black 13 $1,995,000 $153,462 $2,780 3.20%
    American Indian 10 $1,360,000 $136,000 $2,945 3.14%
    Vietnamese 7 $1,315,000 $187,857 $2,351 2.88%
    Native Hawaiian or Islander 1 $175,000 $175,000 $1,948 3.00%
    Other Asian 2 $120,000 $60,000 $1,772 3.94%

    Approval Rates

    Total approvals of all applications
    83.09%

    Great Western Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    78.35%

    Great Western Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,840 $571,170,000 $201,116

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,840 $571,170,000 $201,116

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 493 $50,985,000 $103,418 $1,841 4.27%
    40-60% 493 $108,565,000 $220,213 $2,436 3.32%
    60-80% 754 $246,160,000 $326,472 $3,038 3.16%
    80-100% 609 $137,975,000 $226,560 $3,543 3.08%
    Over 100% 12 $2,590,000 $215,833 $9,872 2.67%
    Under 20% 477 $24,855,000 $52,107 $676 4.68%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Great Western Bank 100 East South Street Mount Ayr, IA 50854 Full Service B&M $39,058
    Great Western Bank 1028 Toledo Street Sidney, NE 69162 Full Service B&M $24,644
    Great Western Bank 103 West Taylor Creston, IA 50801 Full Service B&M $17,009
    Great Western Bank 1030 Broad Street Grinnell, IA 50112 Full Service B&M $52,185
    Great Western Bank 106 East 7th Ave Redfield, SD 57469 Full Service B&M $27,661
    Great Western Bank 10610 Shawnee Mission Parkway Shawnee, KS 66203 Full Service B&M $125,213
    Great Western Bank 11 North First Avenue Marshalltown, IA 50158 Full Service B&M $182,438
    Great Western Bank 110 South 9th Street Canon City, CO 81212 Full Service B&M $133,572
    Great Western Bank 110 West 7th Street Lexington, NE 68850 Full Service B&M $112,011
    Great Western Bank 111 N. East Street Gettysburg, SD 57442 Full Service B&M $63,729
    Great Western Bank 111 North Main Leon, IA 50144 Full Service B&M $68,034
    Great Western Bank 111 South Dewey Street North Platte, NE 69101 Full Service B&M $98,697
    Great Western Bank 1111 141st Street Perry, IA 50220 Full Service B&M $44,169
    Great Western Bank 114 West 15th Street Falls City, NE 68355 Full Service B&M $22,403
    Great Western Bank 200 West Littleton Boulevard Littleton, CO 80120 Full Service B&M $19,747
    Great Western Bank 2001 Broadway Scottsbluff, NE 69361 Full Service B&M $22,122
    Great Western Bank 201 Main Street Rosholt, SD 57260 Full Service B&M $34,048
    Great Western Bank 201 North Main Street Chariton, IA 50049 Full Service B&M $51,167
    Great Western Bank 201 South 25th Street Fort Dodge, IA 50501 Full Service B&M $41,346
    Great Western Bank 201 South Locust Glenwood, IA 51534 Full Service B&M $22,719
    Great Western Bank 202 West Highway 38 Hartford, SD 57033 Full Service B&M $54,598
    Great Western Bank 203 South 25th Street Bethany, MO 64424 Full Service B&M $14,720
    Great Western Bank 205 E Erie Missouri Valley, IA 51555 Full Service B&M $11,393
    Great Western Bank 205 W. 2nd Street Cedar Falls, IA 50613 Full Service B&M $37,637
    Great Western Bank 206 Broad Street Humeston, IA 50123 Full Service B&M $30,509
    Great Western Bank 209 South Main Street Lennox, SD 57039 Full Service B&M $24,806
    Great Western Bank 210 North West Avenue Crooks, SD 57020 Full Service B&M $36,515
    Great Western Bank 2770 8th Street Southwest Altoona, IA 50009 Full Service B&M $184,942
    Great Western Bank 2775 Pearl Street Boulder, CO 80302 Full Service B&M $43,889
    Great Western Bank 2936 University Avenue Waterloo, IA 50701 Full Service B&M $36,768
    Great Western Bank 3 East South Ridge Road Marshalltown, IA 50158 Full Service B&M $42,722
    Great Western Bank 3002 North Campbell Avenue Tucson, AZ 85719 Full Service B&M $104,551
    Great Western Bank 301 E Washington Clarinda, IA 51632 Full Service B&M $16,556
    Great Western Bank 301 N Egan Ave Madison, SD 57042 Full Service B&M $89,262
    Great Western Bank 3010 North 90th Street Omaha, NE 68134 Full Service B&M $27,862
    Great Western Bank 302 Main Street Morristown, SD 57645 Full Service B&M $9,038
    Great Western Bank 302 South Main Street Milbank, SD 57252 Full Service B&M $108,806
    Great Western Bank 304 South Commerce Drive Prairie City, IA 50228 Full Service B&M $52,027
    Great Western Bank 309 East Jefferson Corydon, IA 50060 Full Service B&M $46,459
    Great Western Bank 316 South Duff Avenue Ames, IA 50010 Full Service B&M $147,183
    Great Western Bank 4th St & Poplar Freeman, SD 57029 Full Service B&M $37,054
    Great Western Bank 5000 South Louise Avenue Sioux Falls, SD 57108 Full Service B&M $76,728
    Great Western Bank 501 Pioneer Avenue Oakland, IA 51560 Full Service B&M $27,747
    Great Western Bank 505 N Main Mobridge, SD 57601 Full Service B&M $50,451
    Great Western Bank 509 W. Broadway Council Bluffs, IA 51503 Full Service B&M $67,956
    Great Western Bank 510 Main Street Spearfish, SD 57783 Full Service B&M $78,410
    Great Western Bank 5100 West 26th Street Sioux Falls, SD 57110 Full Service B&M $85,408
    Great Western Bank 511 1st Avenue East Newton, IA 50208 Full Service B&M $56,185
    Great Western Bank 520 North Pearl Street Milan, MO 63556 Full Service B&M $26,139
    Great Western Bank 5202 W. 20th Sreet Greeley, CO 80634 Full Service B&M $62,148
    Great Western Bank 5225 N. Academy Blvd. Suite 100 Colorado Springs, CO 80918 Full Service B&M $25,249
    Great Western Bank 5300 South 56th Street Lincoln, NE 68516 Full Service B&M $26,573
    Great Western Bank 550 North 155th Plaza Omaha, NE 68154 Full Service B&M $119,632
    Great Western Bank 700 North Webb Road Grand Island, NE 68803 Full Service B&M $40,018
    Great Western Bank 700 West Thomas Avenue Shenandoah, IA 51601 Full Service B&M $19,482
    Great Western Bank 712 N. Main Street Eloy, AZ 85131 Full Service B&M $41,376
    Great Western Bank 714 South Burr Mitchell, SD 57301 Full Service B&M $34,209
    Great Western Bank 7300 Graceland Drive Omaha, NE 68134 Full Service B&M $715
    Great Western Bank 751 Mountain View Road Rapid City, SD 57709 Full Service Retail $22,644
    Great Western Bank 785 Cheesman Street Erie, CO 80516 Full Service B&M $41,610
    Great Western Bank 800 South Bridge Street Lexington, NE 68850 Limited, Drive-thru $0
    Great Western Bank 8001 Metcalf Avenue, Suite 100 Overland Park, KS 66204 Full Service B&M $22,402
    Great Western Bank 801 Main Street, Suite 130 Louisville, CO 80027 Full Service B&M $34,044
    Great Western Bank 811 South Public Road Lafayette, CO 80026 Full Service B&M $102,918
    Great Western Bank 825 Central Avenue Fort Dodge, IA 50501 Full Service B&M $193,756
    Great Western Bank 8380 Old Cheney Road Lincoln, NE 68516 Full Service B&M $17,673
    Great Western Bank 839 Gordon Drive Sioux City, IA 51101 Full Service B&M $79,302
    Great Western Bank 900 Illinois Sidney, IA 51652 Full Service B&M $25,008
    Great Western Bank 901 South D Street Broken Bow, NE 68822 Full Service B&M $33,283
    Great Western Bank 919 Galvin Road Bellevue, NE 68005 Full Service B&M $198,449
    Great Western Bank 9290 West Dodge Road, Suite 101 Omaha, NE 68114 Full Service B&M $580,224
    Great Western Bank Highways 212 And 81 Watertown, SD 57201 Full Service B&M $44,857
    Great Western Bank Sixth And Lincoln Streets Lexington, NE 68850 Limited, Drive-thru $0
    Great Western Bank State And Williams Streets Atkinson, NE 68713 Full Service B&M $50,002
    Great Western Bank 2100 Commerce Red Oak, IA 51566 Full Service B&M $57,816
    Great Western Bank 118 North Main Street Colman, SD 57017 Full Service B&M $89,205
    Great Western Bank 119 6th Avenue S.E. Aberdeen, SD 57401 Full Service B&M $181,627
    Great Western Bank 120 S 68th St West Des Moines, IA 50266 Full Service B&M $11,847
    Great Western Bank 120 S. 1st Street Carlisle, IA 50047 Full Service B&M $51,488
    Great Western Bank 121 South Tejon Street, Ste 110 Colorado Springs, CO 80903 Full Service B&M $50,690
    Great Western Bank 1235 N Street Lincoln, NE 68508 Full Service B&M $98,251
    Great Western Bank 12670 L Street Omaha, NE 68137 Full Service B&M $134,998
    Great Western Bank 1300 East Florence Boulevard Casa Grande, AZ 85122 Full Service B&M $96,535
    Great Western Bank 1301 Main Avenue Crete, NE 68333 Full Service B&M $17,989
    Great Western Bank 1301 Main Street Webster, SD 57274 Full Service B&M $23,360
    Great Western Bank 1302 6th Street Brookings, SD 57006 Full Service B&M $20,000
    Great Western Bank 1305 E Cedar Brandon, SD 57005 Full Service B&M $44,879
    Great Western Bank 13150 Hickman Road Clive, IA 50325 Full Service B&M $21,256
    Great Western Bank 1347 E Euclid Des Moines, IA 50316 Full Service B&M $14,327
    Great Western Bank 135 North Cotner Boulevard Lincoln, NE 68505 Full Service B&M $48,573
    Great Western Bank 14 St. Joseph Street Rapid City, SD 57701 Full Service B&M $209,622
    Great Western Bank 1401 South Washington Street Papillion, NE 68046 Full Service B&M $34,196
    Great Western Bank 1402 Washington Street Eldora, IA 50627 Full Service B&M $14,219
    Great Western Bank 1407 East 7th Street Atlantic, IA 50022 Full Service B&M $28,869
    Great Western Bank 1418 E College Drive Marshall, MN 56258 Full Service B&M $18,663
    Great Western Bank 1464 26th Avenue Columbus, NE 68602 Full Service B&M $44,078
    Great Western Bank 1504 L Street Ord, NE 68862 Full Service B&M $34,683
    Great Western Bank 151 South College Avenue Fort Collins, CO 80524 Full Service B&M $41,603
    Great Western Bank 1516 East Saint Patrick Street Rapid City, SD 57703 Full Service Retail $16,387
    Great Western Bank 1543 Wazee Street Denver, CO 80202 Full Service B&M $21,363
    Great Western Bank 1552 E 23rd Avenue N Fremont, NE 68025 Full Service B&M $21,195
    Great Western Bank 1609 Madison St Bedford, IA 50833 Full Service B&M $22,874
    Great Western Bank 161 West Oak Street Globe, AZ 85501 Full Service B&M $70,943
    Great Western Bank 163 Grand Avenue Burwell, NE 68823 Full Service B&M $35,568
    Great Western Bank 16850 Evans Place Omaha, NE 68116 Full Service B&M $46,455
    Great Western Bank 17929 Welch Plaza Omaha, NE 68135 Full Service B&M $61,398
    Great Western Bank 180 S. Arizona Ave, Suite 108 Chandler, AZ 85225 Full Service B&M $159,997
    Great Western Bank 1805 6th Ave Se Aberdeen, SD 57402 Full Service B&M $54,963
    Great Western Bank 1811 West 2nd Street Grand Island, NE 68802 Full Service B&M $25,848
    Great Western Bank 18511 N. Scottsdale Road, Suite 102, 200-201 Scottsdale, AZ 85260 Full Service B&M $13,858
    Great Western Bank 1900 Ninth Street Boulder, CO 80302 Full Service B&M $159,857
    Great Western Bank 1920 23rd Street Columbus, NE 68601 Full Service B&M $17,462
    Great Western Bank 19750 N Maricopa Parkway Maricopa, AZ 85139 Full Service B&M $63,007
    Great Western Bank 2 West 4th Street Grant City, MO 64456 Full Service B&M $46,469
    Great Western Bank 2100 Main Street Longmont, CO 80501 Full Service B&M $55,255
    Great Western Bank 211 West C Street Mccook, NE 69001 Full Service B&M $15,491
    Great Western Bank 2110 Southeast Delaware Street Ankeny, IA 50021 Full Service B&M $138,405
    Great Western Bank 2120 First Avenue Kearney, NE 68848 Full Service B&M $50,319
    Great Western Bank 215 Union Boulevard, Suites 150 And 175 Lakewood, CO 80228 Full Service B&M $36,123
    Great Western Bank 217 Main Street Mc Intosh, SD 57641 Full Service B&M $22,878
    Great Western Bank 21783 Us 65 Princeton, MO 64673 Full Service B&M $39,427
    Great Western Bank 2228 Main Street Unionville, MO 63565 Full Service B&M $15,627
    Great Western Bank 224 West Wood Street Albany, MO 64402 Full Service B&M $33,962
    Great Western Bank 225 S. Main Ave. Sioux Falls, SD 57104 Full Service B&M $592,054
    Great Western Bank 2408 North Broadway Yankton, SD 57078 Full Service B&M $40,426
    Great Western Bank 2695 North Park Drive, Ste. 101 Lafayette, CO 80026 Full Service Retail $34,150
    Great Western Bank 2739 1st Avenue Se Cedar Rapids, IA 52402 Full Service B&M $46,943
    Great Western Bank 321 Burlington Street Holdrege, NE 68949 Limited, Drive-thru $0
    Great Western Bank 321 North Third Street Burlington, IA 52601 Full Service B&M $62,649
    Great Western Bank 330 East Douglas Street O'neill, NE 68763 Full Service B&M $49,734
    Great Western Bank 3410 N 27th Street Lincoln, NE 68521 Full Service B&M $28,098
    Great Western Bank 35 1st Avenue, N.E Watertown, SD 57201 Full Service B&M $520,876
    Great Western Bank 3510 West Sturgis Road Rapid City, SD 57701 Full Service B&M $39,475
    Great Western Bank 3650 East 1st Avenue Denver, CO 80206 Full Service B&M $20,912
    Great Western Bank 3705 Twincreek Drive Bellevue, NE 68123 Full Service B&M $35,333
    Great Western Bank 3711 John F. Kennedy Parkway Fort Collins, CO 80521 Full Service B&M $360,352
    Great Western Bank 3717 East 10th Street Sioux Falls, SD 57103 Full Service B&M $47,861
    Great Western Bank 3800 East 15th Street Loveland, CO 80534 Full Service B&M $40,015
    Great Western Bank 3939 Normal Boulevard Lincoln, NE 68506 Full Service B&M $26,143
    Great Western Bank 400 Braasch Avenue Norfolk, NE 68702 Full Service B&M $23,646
    Great Western Bank 401 Broad Avenue Stanton, IA 51573 Full Service B&M $32,678
    Great Western Bank 401 Second Street Gladbrook, IA 50635 Full Service B&M $25,050
    Great Western Bank 404 Lincoln Way Nevada, IA 50201 Full Service B&M $87,107
    Great Western Bank 408 Hwy 77 Dell Rapids, SD 57022 Full Service B&M $37,492
    Great Western Bank 4140 South 84th Street Omaha, NE 68127 Full Service B&M $78,584
    Great Western Bank 4141 N. Scottsdale Road, Suite 101 Scottsdale, AZ 85251 Full Service B&M $83,099
    Great Western Bank 423 Broad Street Story City, IA 50248 Full Service B&M $27,250
    Great Western Bank 423 West 3rd Street Alliance, NE 69301 Full Service B&M $11,021
    Great Western Bank 424 West Avenue Holdrege, NE 68949 Full Service B&M $58,741
    Great Western Bank 4718 L Street Omaha, NE 68117 Full Service B&M $55,384
    Great Western Bank 4800 South Cliff Avenue Sioux Falls, SD 57103 Full Service B&M $75,105
    Great Western Bank 4901 W. 41st St. Sioux Falls, SD 57106 Full Service B&M $49,168
    Great Western Bank 4914 North Cliff Avenue Sioux Falls, SD 57104 Full Service B&M $35,035
    Great Western Bank 5533 South 27th Street, Suite 101 Lincoln, NE 68512 Full Service B&M $33,192
    Great Western Bank 5675 26th Avenue South, Suite 156 Fargo, ND 58104 Full Service B&M $8,127
    Great Western Bank 5720 West 120th Avenue Broomfield, CO 80020 Full Service B&M $40,210
    Great Western Bank 6001 Northwest Radial Highway Omaha, NE 68104 Full Service B&M $104,869
    Great Western Bank 608 North Linden Street Wahoo, NE 68066 Full Service B&M $23,588
    Great Western Bank 610 - 4th Street Sully, IA 50251 Full Service B&M $28,955
    Great Western Bank 610 West Mclane Osceola, IA 50213 Full Service B&M $48,581
    Great Western Bank 635 North Arizona Boulevard Coolidge, AZ 85128 Full Service B&M $15,973
    Great Western Bank 6424 Havelock Avenue Lincoln, NE 68507 Full Service B&M $23,635
    Great Western Bank 655 Community Drive North Liberty, IA 52317 Full Service B&M $97,142
    Great Western Bank 6945 A Street Lincoln, NE 68510 Full Service B&M $32,189
    Great Western Bank 700 N. Burlington Hastings, NE 68901 Full Service B&M $70,813
    Great Western Bank 1000 East Court Street Beatrice, NE 68310 Full Service B&M $30,350
    Great Western Bank 101 E Kimball St Callaway, NE 68825 Full Service B&M $27,537
    Great Western Bank 101 East King Street Chamberlain, SD 57325 Full Service B&M $62,857
    Great Western Bank 1010 North Roosevelt Avenue Burlington, IA 52601 Full Service B&M $43,749
    Great Western Bank 10101 University Avenue Clive, IA 50325 Full Service B&M $760,412
    Great Western Bank 1016 Central Avenue Nebraska City, NE 68410 Full Service B&M $18,814
    Great Western Bank 102 S. Main Mt. Pleasant, IA 52641 Full Service B&M $23,536
    Great Western Bank 102 W 5th St Canton, SD 57013 Full Service B&M $15,871
    Great Western Bank 1020 Century Drive Louisville, CO 80027 Full Service B&M $56,419
    Great Western Bank 1020 Main Street Hamburg, IA 51640 Full Service B&M $98,831

    For 2021, Great Western Bank had 175 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $407,534
    Net interest income $390,714
    Total noninterest income $71,761
    Gross Fiduciary activities income $10,137
    Service charges on deposit accounts $18,806
    Trading account gains and fees $0
    Additional Noninterest Income $42,818
    Pre-tax net operating income $270,572
    Securities gains (or losses, -) $1
    Income before extraordinary items $209,990
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $209,990
    Minority interest net income $0
    Net income $209,990
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $209,989

    Great Western Bank's gross interest income from loans was $407,534,000.
    Great Western Bank's net interest income from loans was $390,714,000.
    Great Western Bank's fee based income from loans was $18,806,000.
    Great Western Bank's net income from loans was $209,990,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $16,820
    Provision for credit losses $-45,564
    Total noninterest expense $237,467
    Salaries and employee benefits $153,405
    Premises and equipment expense $22,251
    Additional noninterest expense $61,811
    Applicable income taxes $60,583
    Net charge-offs $26,910
    Cash dividends $5,512

    Great Western Bank's interest expense for loans was $16,820,000.
    Great Western Bank's payroll and benefits expense were $153,405,000.
    Great Western Bank's property, plant and equipment expenses $22,251,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 1.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 1.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 1.0%
    Personal loans 0.0%
    Credit card loans 0.1%
    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 $11,788,092
    Deposits held in domestic offices $11,788,092
    Deposits by Individuals, partnerships, and corporations $10,448,109
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $1,336,484
    Deposits by Commercial banks and other depository institutions in U.S. $3,499
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $6,304,759
    Demand deposits $6,304,759
    Nontransaction accounts $5,483,333
    Money market deposit accounts (MMDAs) $3,681,789
    Other savings deposits (excluding MMDAs) $1,099,044
    Total time deposits $702,501
    Total time and savings deposits $5,483,333
    Noninterest-bearing deposits $2,897,841
    Interest-bearing deposits $8,890,251
    Retail deposits $11,584,976
    IRAs and Keogh plan accounts $124,147
    Brokered deposits $63,076
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $13,339,325
    Cash & Balances due from depository institutions $1,936,768
    Interest-bearing balances $1,815,001
    Total securities $2,809,070
    Federal funds sold & reverse repurchase $101,859
    Net loans and leases $7,897,923
    Loan and leases loss allowance $236,320
    Trading account assets $0
    Bank premises and fixed assets $136,281
    Other real estate owned $17,840
    Goodwill and other intangibles $5,494
    All other assets $434,090

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $13,339,325
    Total Liabilities $12,041,264
    Total deposits $11,788,092
    Interest-bearing deposits $8,890,251
    Deposits held in domestic offices $11,788,092
    % insured (estimated) $60
    Federal funds purchased and repurchase agreements $72,444
    Trading liabilities $0
    Other borrowed funds $120,000
    Subordinated debt $0
    All other liabilities $60,728

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $7,897,923
    Loan and leases loss allowance $236,320
    Total loans and leases (domestic) $8,134,243
    All real estate loans $5,437,903
    Real estate loans in domestic offices $5,437,903
    Construction and development loans $471,026
    Residential 1-4 family construction $124,160
    Other construction, all land development and other land $346,866
    Loans secured by nonfarm nonresidential properties $3,153,980
    Nonfarm nonresidential secured by owner-occupied properties $1,249,213
    Commercial real estate & other non-farm, non-residential $1,904,767
    Multifamily residential real estate $511,596
    1-4 family residential loans $640,483
    Farmland loans $660,818
    Loans held in foreign offices $0
    Farm loans $823,562
    Commercial and industrial loans $1,067,932
    To non-U.S. addressees $0
    Loans to individuals $43,179
    Credit card loans $12,499
    Related Plans $8,477
    Consumer Auto Loans $13,480
    Other loans to individuals $8,723
    All other loans & leases $780,101
    Loans to foreign governments and official institutions $0
    Other loans $54,158
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $46,786
    Non 1-4 family restructured loans & leases $46,600
    Total loans and leases (foreign) $0

    Great Western Bank had $7,897,923,000 of loans outstanding in 2021. $5,437,903,000 of loans were in real estate loans. $471,026,000 of loans were in development loans. $511,596,000 of loans were in multifamily mortgage loans. $640,483,000 of loans were in 1-4 family mortgage loans. $823,562,000 of loans were in farm loans. $12,499,000 of loans were in credit card loans. $13,480,000 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 1,549 $402,568 $259,889
    Nonfarm, nonresidential loans - <$100k 285 $11,099 $38,944
    Nonfarm, nonresidential loans - $100-250k 488 $61,311 $125,637
    Nonfarm, nonresidential loans - $250k-1MM 776 $330,158 $425,461
    Commercial & Industrial, US addressed loans - <$1MM 3,371 $314,581 $93,320
    Commercial & Industrial, US addressed loans - <$100k 2,138 $50,022 $23,397
    Commercial & Industrial, US addressed loans - $100-250k 640 $66,951 $104,611
    Commercial & Industrial, US addressed loans - $250k-1MM 593 $197,608 $333,234
    Farmland loans - <$1MM 1,057 $128,673 $121,734
    Farmland loans - <$100k 400 $15,346 $38,365
    Farmland loans - $100-250k 420 $51,294 $122,129
    Farmland loans - $250k-1MM 237 $62,033 $261,743
    Agriculture operations loans - <$1MM 2,016 $140,802 $69,842
    Agriculture operations loans - <$100k 1,389 $35,433 $25,510
    Agriculture operations loans - $100-250k 397 $45,389 $114,330
    Agriculture operations loans - $250k-1MM 230 $59,980 $260,783