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Overview / Commentary
14309 State Highway 13
Reeds Spring, MO 65737

Great Southern Bank is headquartered in Reeds Spring and is the 7th largest bank in the state of Missouri. It is also the 224th largest bank in the nation. It was established in 1923 and as of December of 2013, it had grown to 999 employees at 112 locations. Great Southern Bank has a B health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Great Southern Bank had $67.93 million in non-current loans and owned real-estate with $411.71 million in equity and loan loss allowances on hand to cover it. This gives Great Southern Bank a Texas Ratio of 16.50% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Great Southern Bank decreased slightly from 21.48% as of December 31, 2012 to 16.50% as of December 31, 2013, resulting in a positive change of 23.20%.This indicates that the balance sheet and financial strength for Great Southern Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Great Southern Bank has decreased its total deposits by -$327.46 million, resulting in -10.3% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Great Southern Bank has shown is poor.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Great Southern Bank has $3.56 billion in assets with $411.71 million in equity, resulting in a capitalization level of 11.58%, which is excellent.

Institution Statistics

FDIC Certificate #29546
Year Established1923
Primary RegulatorFDIC
Assets and Liabilities
Assets$3.56 billion
Loans$2.45 billion
Deposits$2.85 billion
Equity Capital$371.59 million
Loan Loss Allowance$40.12 million
Unbacked Noncurrent Loans$24.26 million
Real Estate Owned$43.68 million
Historic Data - December 2012
Assets$3.95 billion
Equity Capital$375.28 million
Loan Loss Allowance$40.65 million
Unbacked Noncurrent Loans$24.26 million
Real Estate Owned$49.68 million
Profit Margin - Quarterly
Net Interest Margin4.84%
Return on Assets0.92%
Return on Equity9.32%
Interest Income$180.03 million

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Great Southern Bank has 111 locations. Click to view all Great Southern Bank locations.