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Bank, Reeds Spring, MO
Great Southern Bank, Reeds Spring, MO
A bank based in Reeds Spring, MO. Its commercial book is led by multifamily and non-owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $3.38B
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 18
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 8
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $5.53B
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- The FDIC record has no phone number. Try the lender's website.
- Website
- www.greatsouthernbank.comFrom the FDIC record, November 9, 2026.
- Commercial lending page
- greatsouthernbank.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- Great Southern Bancorp, IncFDIC institution record,
- Address
- 14309 State Highway 13, Reeds Spring, MO 65737FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| Last 24 months | Office changes in the last 24 months: 0 opened, 4 closed, 0 relocated.FDIC structure history. | FDIC history |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 0.8% to $1.3B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Construction and land development balance rose 9.8% to $402.4M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| 2024 | Reported making 423 small business loans totaling $102.8M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. | FFIEC CRA disclosure data |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Mar 2026 | Missouri | SBA 7(a), Offices of All Other Miscellaneous Health Practitioners | $1.4M | 8.25% | 25 yr | SBA FOIA | |
| Mar 2026 | Missouri | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $1.4M | 8.75% | 26 yr | SBA FOIA | |
| 2025 | St. Louis County, MO | Refinance, 150 or more units | $35M | 7% | 1 yr | 56% | HMDA 2025 |
| 2025 | Dallas County, TX | Purchase, 150 or more units | $15M | 7.5% | 5 yr | 68% | HMDA 2025 |
| 2025 | Hennepin County, MN | Purchase, 100 to 149 units | $15M | 5% | 3 yr | 64% | HMDA 2025 |
| 2025 | Franklin County, OH | Purchase, 50 to 99 units | $7M | 7.08% | 2 yr | 53% | HMDA 2025 |
| 2025 | San Diego County, CA | Purchase, 25 to 49 units | $5M | 7.57% | 2 yr | 58% | HMDA 2025 |
| 2025 | Black Hawk County, IA | Purchase, 25 to 49 units | $4.8M | 7.07% | 5 yr | 52% | HMDA 2025 |
| 2025 | Orleans Parish, LA | Refinance, 50 to 99 units | $2.9M | 7% | 2 yr | 48% | HMDA 2025 |
| 2025 | St. Charles County, MO | Refinance, 5 to 24 units | $2M | 6.5% | 5 yr | 54% | HMDA 2025 |
| 2025 | Greene County, MO | Purchase, 5 to 24 units | $1.3M | 6.5% | 5 yr | 68% | HMDA 2025 |
| 2025 | St. Clair County, IL | Refinance, 25 to 49 units | $1M | HMDA 2025 | |||
| 2025 | St. Louis city, MO | Improvement, 5 to 24 units | $1M | HMDA 2025 | |||
| 2025 | Lawrence County, MO | Refinance, 25 to 49 units | $800K | 6.25% | 5 yr | 80% | HMDA 2025 |
| 2025 | Durham County, NC | Purchase, 5 to 24 units | $540K | 6.75% | 0.5 yr | 51% | HMDA 2025 |
| 2025 | St. Louis city, MO | Purchase, 5 to 24 units | $480K | 6.75% | 5 yr | 75% | HMDA 2025 |
| 2025 | St. Clair County, IL | Refinance, 5 to 24 units | $400K | 6.5% | 5 yr | 54% | HMDA 2025 |
| 2025 | St. Louis County, MO | Purchase, 5 to 24 units | $380K | 6.75% | 5 yr | 85% | HMDA 2025 |
| 2025 | Stone County, MO | Purchase, 5 to 24 units | $300K | 7.25% | 5 yr | 66% | HMDA 2025 |
| 2025 | St. Louis County, MO | Purchase, 5 to 24 units | $140K | HMDA 2025 | |||
| Feb 2025 | Iowa | SBA 504, Health Care and Social Assistance | $500K | 25 yr | SBA FOIA | ||
| 2024 | Montgomery County, TX | Purchase, 100 to 149 units | $18M | 8.09% | 3 yr | 65% | HMDA 2024 |
| 2024 | Greene County, MO | Refinance, 25 to 49 units | $2.3M | 7.25% | 5 yr | 48% | HMDA 2024 |
| 2024 | Dallas County, TX | Purchase, 25 to 49 units | $2M | 7.75% | 3 yr | 65% | HMDA 2024 |
| 2024 | Greene County, MO | Purchase, 5 to 24 units | $1.5M | 8% | 1 yr | 68% | HMDA 2024 |
| 18 multifamily loans made in 2025 | $93.4M | HMDA 2025 | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $1.35B | 30.8% | -14.6% |
| Construction and land development | $402M | 9.2% | +9.8% |
| Owner-occupied CRE | $170M | 3.9% | -3.9% |
| Non-owner-occupied CRE | $1.29B | 29.5% | +0.8% |
| Farmland | $22.1M | 0.5% | -26.8% |
| Commercial and industrial | $152M | 3.5% | -15.0% |
| Commercial total | $3.38B |
Reference only: $935M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $3.55B |
| Q4 2023 | $3.58B |
| Q1 2024 | $3.59B |
| Q2 2024 | $3.65B |
| Q3 2024 | $3.76B |
| Q4 2024 | $3.74B |
| Q1 2025 | $3.76B |
| Q2 2025 | $3.61B |
| Q3 2025 | $3.55B |
| Q4 2025 | $3.45B |
| Q1 2026 | $3.54B |
| Q2 2026 | $3.38B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 18 | $93.4M | $1.14M | $35M | HMDA, |
| Multifamily, 5 or more units | 2024 | 17 | $31.1M | $685K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 101 | $27.5M | $165K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 5 | $5.58M | $1.39M | $1.7M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 2 | $2.80M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 3 | $3.10M | $1.00M | $1.5M | SBA FOIA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: name and lender office city.
Programs on record: Federal Home Loan Bank member, Des Moines district (FHFA).
Small business loans reported under CRA
FFIEC CRA, 2024
- Great Southern Bank reported making 423 small business loans totaling $102,847,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 206 of $100,000 or less, 96 over $100,000 up to $250,000, 121 over $250,000 up to $1 million.
- 195 of them, totaling $38,299,000, went to businesses with revenue of $1 million or less.
- Great Southern Bank reported making 85 small farm loans totaling $8,525,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 58 of $100,000 or less, 18 over $100,000 up to $250,000, 9 over $250,000 up to $500,000.
- 77 of them, totaling $7,139,000, went to farms with revenue of $1 million or less.
| County | Loans | Total |
|---|---|---|
| St. Louis County, MO | 117 | $24.7M |
| Greene County, MO | 76 | $17.4M |
| Johnson County, KS | 19 | $5.22M |
| St. Louis city, MO | 19 | $7.84M |
| Christian County, MO | 16 | $3.73M |
| Woodbury County, IA | 15 | $1.72M |
| Polk County, IA | 13 | $2.34M |
| St. Charles County, MO | 9 | $3.19M |
| Camden County, MO | 8 | $495K |
| Dade County, MO | 8 | $458K |
| County | Loans | Total |
|---|---|---|
| Dade County, MO | 38 | $4.41M |
| Cedar County, MO | 10 | $1.28M |
| Lawrence County, MO | 9 | $761K |
| Wright County, MO | 5 | $159K |
In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.
Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.
How this filing was tied to this bank: FDIC certificate (respondent ID) + transmittal RSSD.
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Great Southern Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $55,169,000 for 1-4 family residential construction and $632,878,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $137,080,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 182 | $4.75M |
| Over $100,000 up to $250,000 | 63 | $4.11M |
| Over $250,000 up to $1 million | 101 | $20.7M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 33 | $952K |
| Over $100,000 up to $250,000 | 55 | $5.33M |
| Over $250,000 up to $1 million | 161 | $60.9M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 24 | $987K |
| Over $100,000 up to $250,000 | 29 | $2.43M |
| Over $250,000 up to $500,000 | 17 | $3.52M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 33 | $676K |
| Over $100,000 up to $250,000 | 7 | $553K |
| Over $250,000 up to $500,000 | 3 | $840K |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Missouri HQ | 68 | 9 | 88 | 3 | 2 |
| Iowa | 20 | 1 | 3 | 1 | 1 |
| Kansas | 10 | 0 | 4 | 0 | 0 |
| Texas | 1 | 1 | 0 | 1 | 0 |
| Arkansas | 1 | 0 | 1 | 0 | 0 |
| Minnesota | 4 | 1 | 0 | 0 | 0 |
| Nebraska | 3 | 0 | 0 | 0 | 0 |
| Oklahoma | 1 | 0 | 0 | 0 | 0 |
| Illinois | 0 | 2 | 2 | 0 | 0 |
| Florida | 0 | 0 | 2 | 0 | 0 |
| Ohio | 0 | 1 | 1 | 0 | 0 |
| California | 0 | 1 | 0 | 0 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| St. Louis County, MO | 5 | $37.2M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| St. Louis, MO-IL | 12 | $42.9M |
| Springfield, MO | 5 | $6.25M |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Great Southern Bank has 103 offices in 43 counties and 7 states (FDIC Summary of Deposits, June 30, 2026): 100 full service and 3 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Greene County, MO | 14 | 0 |
| St. Louis County, MO | 11 | 0 |
| St. Charles County, MO | 6 | 1 |
| Scott County, IA | 5 | 0 |
| Woodbury County, IA | 5 | 0 |
| Johnson County, KS | 5 | 0 |
| Polk County, IA | 4 | 0 |
| Christian County, MO | 4 | 0 |
| Camden County, MO | 3 | 0 |
| Iron County, MO | 3 | 0 |
| Newton County, MO | 3 | 0 |
| Labette County, KS | 1 | 1 |
| Hennepin County, MN | 2 | 0 |
| Jackson County, MO | 2 | 0 |
| Taney County, MO | 2 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $105M | $33.9M to $104M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 435.1% | 127.6% to 384.7% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 57.6% | 28.6% to 110.2% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 100.1% | 46.1% to 101.7% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $700M | $39.0M to $289M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn. | FDIC call report, |
| Loans to assets | 79.3% | 41.2% to 88.1% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Loan channel and SBA processing
Public record only
- Approval to first disbursement
- 62 days, median of 5
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Southern Bank | MO | $5.19B | $2.99B |
| First State Community Bank | MO | $4.51B | $2.20B |
| First Bank | MO | $6.65B | $2.73B |
| Academy Bank, National Association | MO | $3.23B | $2.04B |
| Guaranty Bank | MO | $2.38B | $1.59B |
| Midwest BankCentre | MO | $3.07B | $2.02B |
| Lead Bank | MO | $2.76B | $369M |
| Oakstar Bank | MO | $3.29B | $2.01B |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Great Southern Bank, FDIC certificate 29546. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $5.53B in total assets and $3.38B in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 144 recorded loans from HMDA and SBA files, through September 30, 2026: 18 HMDA multifamily 2025, 17 HMDA multifamily 2024, 101 HMDA 1-4 unit investor 2025, 5 SBA 7(a) in 36 months, 3 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Great Southern Bank]
- Phone and website. No phone number is on record. Website greatsouthernbank.com, from the FDIC record. [How to reach them]
- Small business loans reported under CRA. 423 small business loans reported in its CRA filing for 2024. [Source]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- FDIC
- FDIC certificate
- 29546
- RSSD
- 572374
- LEI
- 1TMVIO1SD0RLIPEIW803
- The Lender Report ID
- lr_000348
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $5.5B in total assets as of June 30, 2026 (FDIC call report).
- Held $3.4B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $1.3B of multifamily loans as of June 30, 2026 (FDIC call report).
- Held $1.3B of non-owner-occupied commercial real estate loans as of June 30, 2026, up 0.8% from a year earlier (FDIC call report).
- Held $402.4M of construction and land loans as of June 30, 2026, up 9.8% from a year earlier (FDIC call report).
- Originated 18 multifamily loans totaling $93.4M in 2025 (HMDA).
10 more sentences
- Originated 17 multifamily loans totaling $31.1M in 2024 (HMDA).
- Originated 101 1-4 unit investor or business-purpose loans totaling $27.5M in 2025 (HMDA).
- Recorded 6 SBA 7(a) approvals totaling $5.9M from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Provided the first lien on 3 SBA 504 projects with $3.1M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Listed 108 offices in 8 states (FDIC).
- Reported making 423 small business loans totaling $102.8M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Reported making 85 small farm loans totaling $8.5M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Held 346 commercial and industrial loans that were $1 million or less when made, with a balance of $29.6M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 249 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $67.2M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $55.2M for 1-4 family and $632.9M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, Great Southern Bank, https://lender.report/lender/great-southern-bank-mo/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FFIEC CRA disclosure data, 2024
- SEC 10-Q and 10-K filings, September 30, 2026
- FDIC Summary of Deposits, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem