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Sep 30
Great Southern Q3 2025 Earnings Report
Great Southern reported solid Q3 2025 results with strong net income and expanding net interest margin.
Key Takeaways
Great Southern Bancorp delivered a strong Q3 2025 performance with net income of $17.75 million and EPS of $1.56. Net interest margin expanded to 3.72% and capital ratios remained robust.
Net income rose to $17.75 million, or $1.56 per diluted share.
Net interest income increased to $50.77 million driven by lower funding costs.
Net interest margin expanded to 3.72% from 3.42% in Q3 2024.
Capital ratios remained strong with CET1 at 13.3% and Tier 1 Leverage at 11.9%.
Great Southern
Great Southern
Forward Guidance
Management remains focused on maintaining strong capital and liquidity, but expects lower earnings from swap income and continues to face funding cost pressures.
Positive Outlook
- Strong capital position with CET1 at 13.3% and TCE ratio at 10.9%
- Core deposits remained stable through the quarter
- Decrease in deposit and borrowing costs aided margin
- Low non-performing asset levels maintained
- No provision expense recorded in Q3
Challenges Ahead
- Interest income from terminated swap will not recur in future periods
- Non-interest expense increased due to tech and legal costs
- Decline in net loan balances due to paydowns
- Moderate decrease in total assets
- Competitive funding environment persists