Updated
The most significant concentration Great Southern Bancorp discloses is commercial real estate, construction, and other commercial loans at 78.3%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
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Source: Great Southern Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
“10-K Item 1A: 'Our commercial and other residential (multi-family) construction, commercial real estate, other residential (multi-family) and other commercial loans accounted for approximately 78.3% of our total loan portfolio as of December 31, 2025.'”
“10-K Item 1A: 'Since our business is primarily concentrated in Missouri, Iowa, Kansas and Minnesota, a significant downturn in these state or local economies...'”
“10-K Item 1A: 'approximately $500.7 million, or 11.3%, of our loan portfolio consisted of loans primarily for various types of commercial real estate in Texas'”
“10-K Item 1A: 'we have from time to time utilized a sizable amount of certificates of deposit obtained through deposit brokers and advances from the FHLBank to help fund our asset base'”
Great Southern Bancorp's concentration is loan-book and geography driven, both structural in character. Commercial and other residential construction, commercial real estate, and other commercial loans made up approximately 78.3% of the total loan portfolio as of December 31, 2025 — a large share reflecting the bank's chosen lending mix rather than dependency on any single borrower. Geographically, the bank's business is primarily concentrated in Missouri, Iowa, Kansas, and Minnesota, with Texas commercial real estate loans separately representing 11.3% of the portfolio — a smaller, though still notable, regional exposure outside its core four-state footprint. On the funding side, the bank has at times relied on a sizable amount of brokered certificates of deposit and FHLBank advances to fund its asset base, a smaller dependency-type exposure tied to wholesale funding sources rather than core deposits. Together, these exposures describe a bank whose loan book is heavily weighted toward commercial real estate and construction lending concentrated in a handful of Midwestern states, with Texas as a secondary regional pocket and wholesale funding as a supplementary, smaller-scale dependency.
For the engine’s reasoning on GSBC’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| GSBC● | Great Southern Bancorp, Inc. | 1 | 1 | 2 | 4 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.