| Metric | Great Southern Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.7% | +5.5% | -11.1 pts |
| Deposit growth (YoY) | -7.2% | +5.1% | -12.2 pts |
| Loan growth (YoY) | -4.9% | +5.9% | -10.9 pts |
| ROA | 1.26% | 1.26% | +0.0 pts |
| ROE | 11.6% | 12.2% | -0.6 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.53B | $4.38B | $4.32B | $607.1M | $35.4M | 1.26% | 3.84% | 0.17% |
| Q1 2026 | $5.69B | $4.51B | $4.46B | $609.7M | $18.5M | 1.31% | 3.76% | 0.18% |
| Q4 2025 | $5.60B | $4.54B | $4.36B | $610.2M | $76.7M | 1.31% | 3.82% | 0.14% |
| Q3 2025 | $5.74B | $4.56B | $4.47B | $637.2M | $59.4M | 1.34% | 3.81% | 0.14% |
| Q2 2025 | $5.86B | $4.71B | $4.54B | $630.0M | $40.6M | 1.37% | 3.79% | 0.14% |
| Q1 2025 | $6.00B | $4.86B | $4.70B | $625.6M | $19.0M | 1.27% | 3.70% | 0.16% |
| Q4 2024 | $5.98B | $4.70B | $4.70B | $616.3M | $69.3M | 1.17% | 3.59% | 0.16% |
| Q3 2024 | $6.04B | $4.78B | $4.72B | $644.5M | $52.5M | 1.19% | 3.55% | 0.13% |
Loan mix (Q2 2026): real estate $4.17B · commercial $152.0M · consumer $42.5M · securities $679.1M
| Ratio | Great Southern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 1.26% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 12.2% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.0% | 59.0% | 63th |
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% |
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