GREAT SOUTHERN BANCORP Business Summary

Great Southern Bancorp, Inc. (GSBC) operates as the bank holding company for Great Southern Bank, generating revenue primarily through net interest income derived from a diversified portfolio of commercial real estate, construction, and residential mortgage loans. The firm’s business model centers on a traditional community banking approach, supplemented by non-interest income from service charges, debit card fees, and mortgage-related commissions. GSBC segments its operations into retail banking, commercial lending, and investment services, leveraging a network of approximately 89 retail banking centers across Missouri, Iowa, Kansas, Minnesota, Arkansas, and Nebraska, alongside specialized commercial lending offices in major urban hubs like Atlanta, Dallas, and Phoenix. In a competitive landscape dominated by regional peers such as Commerce Bancshares, Inc., Simmons First National Corporation, and Prosperity Bancshares, Inc., GSBC distinguishes itself through high-touch relationship banking and a conservative credit culture, maintaining a strong market share in the Missouri Ozarks while expanding into high-growth urban corridors. The leadership of Great Southern Bancorp is characterized by long-term stability and the legacy of the Turner family, who have guided the institution since its modernization in the 1970s. Joseph W. Turner serves as President and Chief Executive Officer, bringing over 30 years of experience at the firm following a legal career at Stinson LLP, while William V. Turner continues to provide oversight as Executive Chairman. The executive suite is further bolstered by Rex A. Copeland, Senior Vice President and Chief Financial Officer, and John Bugh, Chief Lending Officer, both of whom possess extensive backgrounds in financial reporting and credit management. The company’s board includes notable figures such as Douglas Pitt and Julie Turner Brown, ensuring a mix of industrial and civic expertise that supports the bank’s public standing and commitment to long-term tangible book value appreciation.