BlastPoint's Banking Scorecard
Great Southern Bank
Mid-Market
Specialty: Commercial
MO
FDIC cert 29546
Reeds Spring, MO
201
banks in Mid-Market tier nationally
7 in MO
View Mid-Market leaderboard (MO) →
Great Southern Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 4% in Mid-Market
- - Deposit Outflow: Bottom 38% in Mid-Market
- - Capital Constraint: Bottom 75% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.6B
-6.4% YoY
-2.4% QoQ
|
-$4.9B |
$10.5B
+2.9% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$4.4B
-7.1% YoY
-2.4% QoQ
|
-$2.8B |
$7.1B
+4.5% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$4.5B
-3.3% YoY
-0.4% QoQ
|
-$4.0B |
$8.5B
+3.0% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
1.31%
+12.1% YoY
-2.2% QoQ
|
+0.15% |
1.16%
+9.4% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
63% |
| Net Interest Margin ? |
3.82%
+6.2% YoY
+0.2% QoQ
|
+0.42% |
3.40%
+7.9% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
59.56%
-2.6% YoY
+1.3% QoQ
|
+2.96% |
56.60%
-3.2% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
37% |
| Delinquency Rate ? |
0.05%
-36.9% YoY
+24.2% QoQ
|
-0.64% |
0.68%
+12.0% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Top 6% in tier |
| Loan-to-Deposit Ratio ? |
96.01%
-4.0% YoY
-2.1% QoQ
|
+10.54% |
85.47%
+1.1% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
32.50%
+0.5% YoY
+1.7% QoQ
|
+11.86% |
20.64%
-0.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
0.14%
-9.0% YoY
+7.1% QoQ
|
-0.35% |
0.50%
+7.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
82% |
| Tier 1 Capital Ratio ? |
13.04%
+3.4% YoY
-2.6% QoQ
|
-0.51% |
13.55%
+1.8% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.53%
+2.2% YoY
+35.2% QoQ
|
-0.43% |
0.96%
+7.1% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 6%
in Mid-Market
Why this stands out
Current:
0.05%
(Tier avg: 0.68%, National avg: 0.66%)
Concerns (3)
Liquidity Strain
risk
#4 of 80 · Bottom 4% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
96.01%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#13 of 33 · Bottom 38% in Mid-Market
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
33 of 33 Mid-Market banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Capital Constraint
risk
#7 of 9 · Bottom 75% in Mid-Market
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
96.01%
(Tier: 85.47%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
13.04%
(Tier: 13.55%, National: 9.75%)
9 of 9 Mid-Market banks match
·
57 nationally
→ Stable
-1 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.68%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 32.50% · Tier avg: 20.64%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
80
80th pctile
Loan-to-Deposit Ratio
Current: 96.01% · Tier avg: 85.47%
70
70th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.40%
63
63th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.16%
50
50th pctile
Tier 1 Capital Ratio
Current: 13.04% · Tier avg: 13.55%
37
37th pctile
Efficiency Ratio
Current: 59.56% · Tier avg: 56.60%
34
34th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.96%
26
26th pctile
Total Loans
Current: $4.4B · Tier avg: $7.1B
12
12th pctile
Total Assets
Current: $5.6B · Tier avg: $10.5B
10
10th pctile
Total Deposits
Current: $4.5B · Tier avg: $8.5B
Top Weaknesses
10
10th pctile
Total Deposits
Current: $4.5B · Tier avg: $8.5B
12
12th pctile
Total Assets
Current: $5.6B · Tier avg: $10.5B
26
26th pctile
Total Loans
Current: $4.4B · Tier avg: $7.1B
34
34th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.96%
37
37th pctile
Efficiency Ratio
Current: 59.56% · Tier avg: 56.60%
50
50th pctile
Tier 1 Capital Ratio
Current: 13.04% · Tier avg: 13.55%
63
63th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.16%
70
70th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.40%
80
80th pctile
Loan-to-Deposit Ratio
Current: 96.01% · Tier avg: 85.47%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 32.50% · Tier avg: 20.64%
94
94th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.68%