GREAT SOUTHERN BANCORP, INC.

For the period ended Dec 31, 2025. Filed Mar 6, 2026.

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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Mar 6, 2026

GSBC$81.95+1.5%Stored close · as of Nov 9, 2026

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Contents

		Page
ITEM 1.	BUSINESS	2
ITEM 1A.	RISK FACTORS	47
ITEM 1B.	UNRESOLVED STAFF COMMENTS	60
ITEM 1C.	CYBERSECURITY	60
ITEM 2.	PROPERTIES.	61
ITEM 3.	LEGAL PROCEEDINGS.	61
ITEM 4.	MINE SAFETY DISCLOSURES.	62
ITEM 4A.	INFORMATION ABOUT OUR EXECUTIVE OFFICERS	62
ITEM 5.	MARKET FOR REGISTRANT’S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES	62
ITEM 6.	[RESERVED]	64
ITEM 7.	MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS	64
ITEM 7A.	QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK	101
ITEM 8.	FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA	106
ITEM 9.	CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE	164
ITEM 9A.	CONTROLS AND PROCEDURES.	164
ITEM 9B.	OTHER INFORMATION.	168
ITEM 9C.	DISCLOSURE REGARDING FOREIGN JURISDICTIONS THAT PREVENT INSPECTIONS	168
ITEM 10.	DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE.	168
ITEM 11.	EXECUTIVE COMPENSATION.	168
ITEM 12.	SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS	168
ITEM 13.	CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE.	169
ITEM 14.	PRINCIPAL ACCOUNTANT FEES AND SERVICES.	169
ITEM 15.	EXHIBITS AND FINANCIAL STATEMENT SCHEDULES.	170
SIGNATURES	174

PART I

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