GREAT SOUTHERN BANCORP, INC.

The Company’s corporate offices and operations center are located in Springfield, Missouri. At December 31, 2025, the Company operated 89 retail banking centers and over 200 automated teller machines (“ATMs”) in Missouri, Iowa, Minnesota, Kansas, Nebraska and Arkansas. Of the 89 banking centers, the Company owns 85 of its locations and four were leased for various terms. The majority of our banking center locations are in southwest and central Missouri, including the Springfield, Missouri metropolitan area, with additional concentrations in the Sioux City, Iowa; Des Moines, Iowa; Quad Cities, Iowa; Minneapolis; St. Louis and Kansas City, Missouri metropolitan areas. The ATMs are located at various banking centers and primarily convenience stores and retail centers throughout southwest and central Missouri. At December 31, 2025, the Company also operated seven commercial loan production offices and one mortgage loan production office. The Company owns one of its loan production office locations and seven locations are leased. All buildings that are owned are owned free of encumbrances or mortgages. In the opinion of management, the Company’s facilities are adequate and suitable for the Company’s needs. The aggregate net book value of the Company’s premises and equipment was $133.3 million and $132.5 million at December 31, 2025 and 2024, respectively. See alsoNote 5 of the accompanying audited financial statements, which are included in Item 8 of this Report.

In January 2026, the Company consolidated operations of its leased Edina, Minn., banking center, located at 3400 W. 66th St., in Edina, Minn., with its banking center at 10880 175th Court in Lakeville, Minn. In the first half of 2026, the Company expects to transition its banking center located at 4700 Mid Rivers Mall Dr. in Cottleville, Mo., to its second drive-thru Express Center location. See “Business Initiatives” section for further discussion of the Company’s banking center changes.