Great Southern Bancorp (GSBC) risk factors
Item 1A of every Great Southern Bancorp, Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors37 risks3 new6 reworded
Great Southern Bancorp added new risks covering credit loss qualitative factors, AI governance, and evolving ESG expectations. Brokered deposits decreased to $663.4 million from $772.1 million. Insider and family stock ownership percentages and share counts were updated.
Filed Mar 06, 2026 - FY2024 10-K risk factors34 risks
High loan concentration in commercial and residential real estate drives primary credit and market risks for Great Southern Bancorp. Dependence on brokered deposits and FHLBank advances exposes the bank to funding cost pressures and liquidity constraints. Heavy reliance on key technology platforms and emerging artificial intelligence applications creates operational, cybersecurity, and model risks.
Filed Mar 07, 2025