# GREAT SOUTHERN BANK
MERIDIAN, MS · FDIC certificate 8552 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $355.1M | |
| Deposits | $312.0M | |
| Loans and leases | $143.7M | |
| Total equity | $26.5M | |
| Loans / deposits | 45.76% (p5 of band) | 82.04% |
| Liquid assets / assets | 54.99% (p95 of band) | |
| Uninsured deposits / deposits | 14.58% (p12 of band) | 25.97% |
| Brokered deposits | 1.43% | |
| Wholesale funding | 5.66% (p61 of band) | |
| FHLB advances / assets | 4.22% | |
| Tier 1 leverage | 9.49% (p23 of band) | 10.81% |
| Unrealized securities loss / equity | -41.74% (p7 of band) | -8.10% |
| AOCI / equity | -1.62% (p11 of band) | |
| ROA (annualized) | 0.67% (p17 of band) | 1.28% |
| Net interest margin | 3.34% (p21 of band) | 3.91% |
| Efficiency ratio | 82.57% (p90 of band) | |
| Noncurrent loans | 0.67% (p62 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p50 of band) | |
| Reserve coverage of noncurrent | 96.48% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 20.66% (p26 of band) | |
| Auto loans | $12.3M (8.53% of loans; DQ 8.11%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.4% | |
| Employees | 94 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | capital falling | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | capital falling, reserve under noncurrent |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | charge-offs p90 |  |
| 2017-06 | 1 |  | charge-offs p90 |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 1 | deposits shrinking | charge-offs p90 |
| 2018-09 | 0 |  | deposits shrinking |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | expense ratio p90 |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | expense ratio p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 6 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2022-06 | 5 |  | expense ratio p90 |
| 2022-09 | 2 |  | capital falling, noncurrent p90, reserve under noncurrent |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | expense ratio p90, charge-offs p90 | AOCI drag >20% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | deposits shrinking, uninsured deposits leaving | expense ratio p90 |
| 2023-12 | 3 |  | charge-offs p90 |
| 2024-03 | 5 | capital falling, reserve under noncurrent |  |
| 2024-06 | 1 |  | deposits shrinking, uninsured deposits leaving, capital falling, reserve under noncurrent |
| 2024-09 | 1 |  |  |
| 2024-12 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2025-03 | 3 | expense ratio p90 | uninsured deposits leaving |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 | reserve under noncurrent | assets shrinking |
| 2026-03 | 2 |  | reserve under noncurrent |
| 2026-06 | 4 | capital falling, reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-18 [What to Know for Journey: Final Frontier Tour Setlist - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiWkFVX3lxTE55bVdKcGNVcFc2WnJSQVV3YU9wU0dMQy1mTkhTeURaWmh5LURCVG5PcnJpSEVHZlR6RTNSWmhkVmtOWEd5X1d0c293V1Y3aGxTN3RxNjBfNTJRUQ?oc=5) · Ticketmaster Blog
- 2025-01-13 [Cooksey named president, CEO of Great Southern Bank - Meridian Star](https://news.google.com/rss/articles/CBMikAFBVV95cUxPRTRHS051RmU5eVlmMW1ZM01VR2xaM2NweGlBazNQdGFUMC1vdDJTRU1EQWxzMzZGcUtYMFhic3hTS2JsV0NRWjJuU1B6SzR4Qm5ldEpweTFzWGxYd3N1d1RmMFF1d3FzNjlJX3FJcF9HM3VDOVlOSEdFblFiY3dtb09nay1PdHdHNnBMUnFLX28?oc=5) · Meridian Star
- 2026-05-12 [Journey Extend Final Frontier North American Tour - Exclaim!](https://news.google.com/rss/articles/CBMiigFBVV95cUxNa1c2MkNORVZ4ZFA3UzZldGpwYTNYc0tnRHdVYUwzWnJ5a1BUQnlKQnRaMS1BNXRTaWVLcl9KTnBYejh5ME0wSE1CTmVSVTBvM1RVVkxRbm9WbzI3cWFEMy1jZTNfOGxYUlY4aWZDQVhrVFhJaWN1TjZSRkVlSENkWWZQcHN0b0JLaWc?oc=5) · Exclaim!
- 2026-07-01 [Great Southern Bank to close 9 branches, cut 66 jobs in restructuring - Springfield Daily Citizen](https://news.google.com/rss/articles/CBMidkFVX3lxTE96eVpSSWJqaVhzWkdXcnFjU3VGYWxadC1wQ29fZE94eTM4bGZDWldOMHllQzN6TXVXVzBaQy1xeDBxbHFfRVhNRnRTYmcwNEp2SmxzQU14N3p5QkhzMnZReGhYUzJ5bEFZN2tNR0g1YkhoXzRGc0E?oc=5) · Springfield Daily Citizen
- 2025-01-21 [Great Southern Bank Arena - Missouri State Bears - Stadium Journey](https://news.google.com/rss/articles/CBMijwFBVV95cUxOWUJ4VWZTd182MFpsd3ZmcU00bVNlZkppaldrdTgtT2FNanY1Nk9scFl3NVl5QUhfN1VwWUYxQjc1d29KOGpxRnJJaVpuQVlMWWs5VlItQ3dnR21xN2FVTkowaWduMjRrWGxuYll2a2ZWdUFqbEthNnNaS0t1Mkt0V21HZzRzTVFOYlJEMjV2QQ?oc=5) · Stadium Journey
- 2025-11-06 [Journey Plots Farewell Run With 60-Date Final Frontier Tour: ‘It’s a Full-Circle Celebration’ - Billboard](https://news.google.com/rss/articles/CBMijgFBVV95cUxQdzFlN2t4b0Q1bGswblRXa180WnQ5OHBTMnl3cnhSMm9vUGFsRFE0RmZ1eko4aDhlQVJIX3VlU0FaYUFhWnJXWGw3VEFnQjJlZVc4aEF6OVJrb2x6SUhINklrdE82ZTFxY1dNSy1CNmM5bFVuVTV4ZXFrRFVRMW1oOVdDQXdqNjNKejJYWGVB?oc=5) · Billboard
- 2026-05-12 [Journey Add 40 Dates to the Final Frontier Tour, Including Toronto and Detroit This Fall - That Eric Alper](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQYnI0U2o3ci1KX2hoM1lTY0VodWlpbjJtZFZveG00TDFsdGFUNVlBWkdJVmVnRG1pa0NFSURteWgtTEhiOWQ3V0ZSZmhwc2RhSW52YnFweXdDd0pSUW4ydDhiMHMwMlhwdTZNdUZ2YjI1QWwtU0J1SGNWQm8tM3lHY2NmZ3RLOWFpbFQ2em9GUXdnZk52VnFlcHdlb1Q1RjdrdXUxYkFZem9UVGd5TzFuNzhpOElkbnkzWDhYZjE1RDBFMHhKRWdrRw?oc=5) · That Eric Alper
- 2026-07-13 [2026-27 Basketball Season Tickets are on sale NOW! - missouristatebears.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxOWkV6dkVjdXFtc21rcGZfdjFtQzNLRHhYSmd1eXZHNDZHeFZVZHdNREpVWDRlLXMtb182dHFIY2d6bk1QWlhteEtzM09PYlNHdWRqUENtZTdzdFJMdGZNZnVaSnhzSXBtZGNkaTR2Ump1ZWFIaU1oYTN0aWFqWktkUklhN1FuTzRJcllvYUJsZE5RRllkb0l1ZUtYclh1clVDdGoxRGYwd21yNEh5QUd5SA?oc=5) · missouristatebears.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8552 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/40.json (key "8552", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide