GREAT SOUTHERN BANCORP INC

For the period ended Dec 31, 2024. Filed Mar 7, 2025.

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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.

FY2024 · Filed Mar 7, 2025

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	52
ITEM 1B.	UNRESOLVED STAFF COMMENTS	65
ITEM 1C.	CYBERSECURITY	65
ITEM 2.	PROPERTIES.	66
ITEM 3.	LEGAL PROCEEDINGS.	67
ITEM 4.	MINE SAFETY DISCLOSURES.	67
ITEM 4A.	INFORMATION ABOUT OUR EXECUTIVE OFFICERS	67
ITEM 5.	MARKET FOR REGISTRANT’S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES	68
ITEM 6.	[RESERVED]	69
ITEM 7.	MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS	69
ITEM 7A.	QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK	108
ITEM 8.	FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA	113
ITEM 9.	CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE	174
ITEM 9A.	CONTROLS AND PROCEDURES.	174
ITEM 9B.	OTHER INFORMATION.	178
ITEM 9C.	DISCLOSURE REGARDING FOREIGN JURISDICTIONS THAT PREVENT INSPECTIONS	178
ITEM 10.	DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE.	178
ITEM 11.	EXECUTIVE COMPENSATION.	178
ITEM 12.	SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS	178
ITEM 13.	CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE.	179
ITEM 14.	PRINCIPAL ACCOUNTANT FEES AND SERVICES.	179
ITEM 15.	EXHIBITS AND FINANCIAL STATEMENT SCHEDULES.	180
SIGNATURES	184

PART I

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