Great Southern Q4 Net Interest Margin at 3.70%
Reports Q4 net interest margin was 3.70% vs. 3.49% a year ago. Q4 common Equity Tier 1 Capital Ratio was 13.6% vs. 12.3% a year ago. CEO Joseph Turner commented, "Our Q4 and full year 2025 results reflect the sustained success of our core banking operations and our commitment to long-term tangible book value appreciation, despite a volatile economic environment. Throughout the year, we remained focused on preserving net interest margin, protecting credit quality, controlling non-interest expense, and opportunistically repurchasing our stock. That discipline translated into solid profitability in Q4, with net income of $16.3M, or $1.45 per diluted common share, compared to $14.9M, or $1.27 per diluted common share, in the prior year period. For the full year, net income was $71.0M, or $6.19 per diluted common share, compared to $61.8M, or $5.26 per diluted common share, in the prior year. As we begin 2026, we remain focused on maintaining strong capital and liquidity positions, deploying capital thoughtfully, maintaining strong credit metrics, and supporting our customers and communities. At December 31, 2025, our tangible common equity ratio was 11.2%, and book value per common share was approximately $57.50...While economic conditions and market interest rate levels may fluctuate throughout 2026, we believe our conservative approach, sound balance sheet, and dedicated associates position Great Southern to continue delivering long-term value for our stockholders".
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Great Southern Bancorp Reports $16.3M Net Income in Q4 2025, Equity Rises to $636.1M
- Net Income Growth: In Q4 2025, Great Southern Bancorp reported net income of $16.3 million or $1.45 per diluted share, significantly up from $14.9 million and $1.27 per share in the same quarter last year, reflecting sustained success in core banking operations.
- Interest Income Dynamics: Although net interest income totaled $49.2 million, down 0.7% year-over-year, effective funding cost management led to an expansion in net interest margin from 3.49% to 3.70%, demonstrating resilience in a volatile economic environment.
- Loan Quality Maintenance: At year-end 2025, net loans receivable stood at $4.36 billion, a 7.1% decline from the previous year, yet nonperforming assets accounted for only 0.15% of total assets, showcasing strong credit quality.
- Expense Control Effectiveness: Noninterest expenses for Q4 were $36 million, down 2.6% year-over-year, as the company enhanced its capital base through cost control and stock repurchase strategies, increasing stockholders' equity by $36.6 million to $636.1 million.
Great Southern Bancorp Q4 EPS Beats Expectations with Slight Revenue Decline
- Earnings Beat: Great Southern Bancorp reported a Q4 GAAP EPS of $1.45, exceeding expectations by $0.11, indicating sustained profitability despite market challenges.
- Slight Revenue Decline: The quarter's revenue was $56.35 million, down 0.2% year-over-year, yet it surpassed market expectations by $1.32 million, demonstrating resilience in revenue stability.
- Improved Return on Equity: As of December 31, 2025, the annualized return on average common equity was 10.16%, significantly up from 9.76% in 2024, reflecting improved capital efficiency.
- Increased Net Interest Margin: The annualized net interest margin rose to 3.70%, compared to 3.49% a year earlier, showcasing the company's adaptability and enhanced profitability in changing interest rate environments.