Great Southern Bancorp is the holding company for Great Southern Bank, a community bank headquartered in Springfield, Missouri. The bank operates 88 full-service retail banking centers across Missouri, Iowa, Kansas, Minnesota, Arkansas, and Nebraska, serving roughly 193,000 customers, and supplements its branch network with commercial loan production offices in Atlanta, Charlotte, Chicago, Dallas, Denver, Omaha, and Phoenix. Great Southern's core business is traditional community banking: originating loans and funding them with deposits, earning a spread between the two. The loan portfolio is heavily concentrated in real estate, with commercial real estate (~35% of loans) and multi-family residential (~31%) together representing the largest and most strategically important segments. One-to-four-family residential, construction, and consumer and commercial loans make up the remainder. Most loans are floating-rate or short-term fixed, meaning yields reprice relatively quickly with interest rate moves. On the funding side, Great Southern relies primarily on core retail deposits gathered through its branch network, supplemented by brokered deposits and FHLB advances. The bank holds the leading deposit market share in Springfield at 13.4%, its clearest competitive advantage, though its positions outside Springfield are much smaller. Great Southern also purchases loan participations from other banks and operates a REIT subsidiary that holds mortgage participations. With loan growth limited, the bank has focused on returning capital through share repurchases and dividends.