| Metric | Great Southern Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +4.4% | +2.3 pts |
| Deposit growth (YoY) | +1.4% | +4.0% | -2.5 pts |
| Loan growth (YoY) | +3.9% | +5.6% | -1.7 pts |
| ROA | 0.67% | 1.24% | -0.6 pts |
| ROE | 8.7% | 11.9% | -3.1 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $355.1M | $312.0M | $142.8M | $26.5M | $1.2M | 0.67% | 3.34% | 0.54% |
| Q1 2026 | $342.8M | $310.1M | $143.8M | $26.2M | $535K | 0.64% | 3.31% | 0.53% |
| Q4 2025 | $331.1M | $303.0M | $144.1M | $26.5M | $1.7M | 0.50% | 3.05% | 0.59% |
| Q3 2025 | $330.4M | $303.1M | $141.5M | $25.8M | $1.1M | 0.43% | 2.95% | 0.57% |
| Q2 2025 | $333.1M | $307.7M | $137.4M | $23.9M | $568K | 0.34% | 2.82% | 0.48% |
| Q1 2025 | $339.9M | $314.9M | $133.4M | $23.4M | $157K | 0.19% | 2.72% | 0.47% |
| Q4 2024 | $337.7M | $306.5M | $133.0M | $21.5M | $3.1M | 0.86% | 3.08% | 0.48% |
| Q3 2024 | $364.2M | $309.9M | $139.9M | $27.7M | $3.1M | 1.15% | 3.17% | 0.55% |
Loan mix (Q2 2026): real estate $96.6M · commercial $17.7M · consumer $25.9M · securities $165.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Great Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 1.24% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 11.9% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.6% | 62.9% | 88th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Great Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Great Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Great Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Great Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.