🏦Bank Scorer

GREAT SOUTHERN BANK

REEDS SPRING, MO · Supervised by FDIC

Est. 1923FDIC #29,546RSSD: FDIC-29546
Part ofGREAT SOUTHERN BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: September 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.31%

Institution Profile

FDIC BankFind

Address

14309 State Highway 13, REEDS SPRING, MO

County

Stone County

Established

January 1, 1923

Total Assets

$5.7B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2024

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$5.7B

Total Deposits

$4.5B

Net Loans

$4.5B

Net Income

$18M

ROA

1.31%

ROE

12.11%

Risk-Based Capital

14.24%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate22.41%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

109

Branch Deposits

$4.7B

1-Year Change

0

5-year net change: -2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20242,00865.34%22.41%
20232,23564.97%21.57%
20223,29968.48%17.49%
20214,15769.81%15.01%
20204,31167.55%14.94%
20193,42364.04%21.33%
20183,43660.54%28.46%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 2001

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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