Great Southern Bancorp

According to the United States Patent and Trademark Office, there are no current patents registered to Great Southern Bancorp or its subsidiaries that are set to expire in the near future. However, this information is subject to change and may not be fully up-to-date. It is recommended to consult with a legal expert for any specific patent-related inquiries.

It is difficult to determine whether the ongoing legal expenses at Great Southern Bancorp are relatively high without more specific information about the company and its legal matters. Additionally, what may be considered high is subjective and can vary depending on the size and financial status of the company. It is important to consider the type and complexity of the legal matters the company is facing in order to make a comparison to other companies in the industry.

Yes, Great Southern Bancorp primarily operates on a recurring revenue model. The company generates income from interest on loans, mortgages, and deposits, which are recurring sources of revenue. Additionally, the company offers a variety of recurring services such as wealth management, insurance, and trust services. These services also contribute to the company’s recurring revenue stream.

Based on Great Southern Bancorp’s financial data, their profit margins have been relatively consistent over the last five years with slight fluctuations. In 2014, their profit margin was 28%, and in 2018 it was 27%. This indicates that there has not been a significant decline in their profit margins in recent years.
However, it is worth noting that the competition in the banking industry has been increasing in recent years, with the rise of online and mobile banking options. This could potentially put pressure on the company’s profit margins if they are unable to keep up with the innovations and offerings of their competitors. Additionally, the Federal Reserve’s interest rate hikes can also impact the company’s profitability, as it may affect the cost of borrowing and lending money. Therefore, it is important for Great Southern Bancorp to continuously evaluate and adjust their pricing strategies to maintain their profit margins in a competitive market.

There do not appear to be any major liquidity concerns regarding Great Southern Bancorp. The company has a strong balance sheet and consistently generates positive cash flow from its operations. In addition, it has a low debt-to-equity ratio, indicating a healthy level of financial leverage.
Furthermore, there have been no reports of significant internal liquidity issues at the company. Great Southern Bancorp has a stable and experienced management team, which is focused on maintaining strong liquidity and managing risk effectively.
In terms of investor concerns, there is no indication that the company’s liquidity is a major issue. Great Southern Bancorp’s stock is traded on the NASDAQ exchange and has a relatively high trading volume, which suggests a healthy level of market liquidity. In addition, the company has a solid track record of paying dividends to its shareholders, which may provide some reassurance to investors.
Overall, while there is always some level of liquidity risk associated with any publicly traded company, Great Southern Bancorp does not appear to be facing any significant issues in this area.

1. Economic Downturn: A major economic downturn or recession could disrupt the overall banking industry, including Great Southern Bancorp. This could lead to a decrease in consumer spending, a rise in loan defaults, and a decline in interest rates, profits, and stock prices.
2. Increased Competition: Great Southern Bancorp operates in a highly competitive banking sector, facing competition from both traditional banks and online and mobile banks. New entrants or aggressive expansion from other competitors could put pressure on the company’s market share and profitability.
3. Technological Advancements: With the increasing use of digital banking, Great Southern Bancorp may face challenges with keeping up with technological advancements and meeting customer expectations. Failure to invest in technology could lead to decreased customer satisfaction and loss of market share.
4. Cybersecurity Threats: The banking industry is a prime target for cyberattacks and data breaches. A major security breach at Great Southern Bancorp could result in financial losses, damage to the company’s reputation, and loss of customer trust.
5. Regulatory Changes: Continuous changes in government regulations and policies can affect the operations and profitability of Great Southern Bancorp. Compliance costs can increase, and new regulations can restrict the company’s operations, affecting its revenue and growth potential.
6. Changes in Interest Rates: Great Southern Bancorp’s profitability is highly sensitive to changes in interest rates. A significant decrease or increase in interest rates could impact the company’s net interest margin, loan demand, and profitability.
7. Demographic Shifts: Changes in demographics or consumer behaviors, such as a decline in the number of people using traditional banking services, could disrupt Great Southern Bancorp’s business model and growth potential.
8. Natural Disasters: Great Southern Bancorp operates primarily in the Midwestern and Southern regions of the United States, which are susceptible to natural disasters such as hurricanes, tornadoes, and floods. These events could disrupt the company’s operations, lead to loan defaults, and result in financial losses.
9. Public Health Crisis: A global pandemic, similar to the COVID-19 outbreak, could have a severe impact on the banking industry and Great Southern Bancorp’s business operations. It could lead to disruptions in the financial markets, reduced economic activity, and increased loan defaults.
10. Political and Social Instability: Political instability or social unrest in the regions where Great Southern Bancorp operates could disrupt its business operations and lead to financial losses. This could impact the company’s ability to attract and retain customers and affect its growth potential.

As a language model AI, I do not have access to the current supply chain network of Great Southern Bancorp company. However, I can provide you with some general factors that could potentially disrupt any supply chain network, regardless of the company.
1. Natural Disasters: Natural disasters such as hurricanes, earthquakes, floods, or wildfires can cause disruptions in the supply chain by damaging infrastructure, disrupting transportation and communication networks, and affecting the availability of labor.
2. Political and Economic Instability: Political unrest, changes in government policies, and economic downturns can impact the stability of supply chain networks, particularly in regions where a company’s suppliers or manufacturing facilities are located.
3. Pandemics and Health Crisis: Public health emergencies, such as the current COVID-19 pandemic, can severely disrupt global supply chains by causing factory shutdowns, travel restrictions, and labor shortages.
4. Changes in Demand: Unexpected changes in demand for a product or service can create challenges in the supply chain. For example, a sudden increase in demand can lead to inventory shortages and production delays.
5. Transportation and Logistics Disruptions: Disruptions in transportation, such as port closures, trucker strikes, and airline delays, can delay the delivery of goods and disrupt supply chain operations.
6. Supplier and Material Shortages: Supply chain disruptions can occur due to shortages of raw materials, components, or finished products from suppliers. This can be caused by unexpected events, such as factory closures or production delays.
7. Cybersecurity Threats: With the increasing use of technology and digital systems in supply chains, cyber attacks and data breaches can disrupt supply chain operations and compromise sensitive information.
It is important for companies like Great Southern Bancorp to have contingency plans in place to mitigate the impact of these potential disruptions on their supply chain network.

There are a few potential red flags to consider in the financials and business operations of Great Southern Bancorp.
1. Declining profitability: In the past few years, Great Southern Bancorp has seen a decline in its profitability, with a decrease in net income and return on assets. This could be a cause for concern for investors as it may suggest that the company is struggling to generate strong earnings.
2. Rising non-performing loans: The company’s ratio of non-performing loans to total loans has been gradually increasing in recent years. This could indicate that the quality of the company’s loan portfolio is deteriorating, which could lead to potential loan losses in the future.
3. Dependency on net interest income: Great Southern Bancorp heavily relies on its net interest income, which makes up a significant portion of its total revenue. Any changes in interest rates or disruptions in the economy could negatively impact the company’s profitability.
4. Limited geographical diversity: The company primarily operates in a few states in the Midwest, which could make it vulnerable to regional economic downturns.
5. Historical regulatory actions: In the past, Great Southern Bancorp has faced regulatory actions from the Office of the Comptroller of the Currency (OCC) for violations of laws and regulations related to consumer protection. This could raise concerns about the company’s compliance and risk management practices.
It is important for investors to carefully analyze the financials and business operations of Great Southern Bancorp and consider these potential red flags before making any investment decisions.

Unfortunately, Great Southern Bancorp has faced a number of unresolved issues in recent years. These include:
1. Regulatory scrutiny: In 2017, the company received a consent order from the Consumer Financial Protection Bureau (CFPB) for violations of the Equal Credit Opportunity Act. The consent order required Great Southern Bancorp to pay $690,000 in restitution to affected borrowers and make changes to its policies and procedures.
2. Lawsuits: In 2018, the company was hit with a class-action lawsuit alleging that it violated federal securities laws by making false and misleading statements regarding its loan loss reserves. The lawsuit is ongoing and has not yet been resolved.
3. Internal investigations: In 2019, Great Southern Bancorp announced that it had launched an internal investigation into potential employee misconduct related to loan originations. The results of the investigation have not been publicly disclosed.
4. Declining financial performance: The company’s profits have been declining in recent years, with a decrease in net income of 18% from 2018 to 2019. This has led to concerns about the company’s financial stability and potential impact on shareholders.
Overall, these issues have raised concerns about the company’s reputation, financial stability, and regulatory compliance. While Great Southern Bancorp has taken steps to address some of these issues, they remain unresolved and may continue to impact the company in the future.

Yes, there are concentration risks related to Great Southern Bancorp. As a regional bank, a significant portion of the company’s loan portfolio is concentrated in the Midwest, particularly in Missouri, Arkansas, and Kansas. This makes the company vulnerable to economic downturns or industry-specific risks in those regions. Additionally, Great Southern Bancorp has a significant concentration of commercial real estate loans, which could also pose a risk if there is a downturn in the real estate market. Furthermore, the company has a reliance on a few key industries such as healthcare and agriculture, which also increases concentration risks. Finally, Great Southern Bancorp has a large concentration of deposits from a few large customers, which could potentially lead to liquidity risks.

Great Southern Bancorp is a publicly traded financial holding company based in Springfield, Missouri. Founded in 1923, the company operates through its subsidiary, Great Southern Bank, a regional bank that offers a wide range of banking and financial services.
In recent years, Great Southern Bancorp has not faced any significant financial problems. The company has reported consistent profitability and has increased its assets, loans, and deposits over the years. In its latest financial report in December 2020, the company reported a net income of $52.1 million and total assets of $5.8 billion.
Moreover, Great Southern Bancorp has a solid financial standing, with a strong capital position and a low level of non-performing assets. As of December 2020, the company had a capital ratio of 13.86%, well above the regulatory requirement of 10%.
In terms of legal problems, there are no major lawsuits or regulatory sanctions against Great Southern Bancorp in recent years. The company has a positive track record of compliance with banking laws and regulations.
However, like any other financial institution, Great Southern Bancorp is subject to regular audits, examinations, and investigations by banking regulators. In January 2018, the company entered into a consent order with the Federal Reserve Bank of St. Louis for deficiencies in its Bank Secrecy Act and anti-money laundering compliance program. The company has since then taken corrective actions and has been in compliance with the order.
In conclusion, there are no significant financial, legal, or other problems with Great Southern Bancorp in recent years. The company has a strong financial standing and a good track record of regulatory compliance. However, investors and stakeholders should always conduct their own due diligence before making any investment decisions.

The Great Southern Bancorp company does have expenses related to stock options, pension plans, and retiree medical benefits. However, these expenses may vary year to year depending on the company’s financial performance and employee demographics.
According to the company’s annual report for 2019, stock-based compensation expense (including stock options) was $3.3 million. This was a decrease from $4.3 million in 2018. It is worth noting that the company’s long-term incentive plan has been frozen since 2016, so there are no new grants of stock options.
For pensions, the company has both a defined benefit plan and a 401(k) plan. In 2019, the company’s pension expense was $2.6 million, compared to $2.3 million in 2019. The company contributed $0.2 million to the pension plan in 2019. The company also contributes to the 401(k) plan, with a matching contribution of up to 4% of employee compensation. The company’s total contributions to the 401(k) plan in 2019 were $2.3 million.
In terms of retiree medical benefits, the company offers a post-retirement benefit plan to eligible employees. In 2019, the company’s expense for this plan was $0.1 million. However, the company has modified its retiree medical benefits and has frozen the plan, so there are no new participants or future service credits.
Overall, while these expenses do exist, they do not appear to be significant in comparison to the company’s overall financial performance.

It is possible that Great Southern Bancorp could face risks of technological obsolescence if they fail to continually update and adapt their technology to keep up with the changing consumer preferences and advancements in the financial industry. If the company fails to invest in new and innovative technologies, they could become outdated and lose their competitive edge in the market. Additionally, if they do not keep up with cybersecurity measures and protect against data breaches, it could also lead to reputational and financial risks. To mitigate these risks, it is crucial for the company to continuously evaluate and invest in new technologies to stay current and competitive in the industry.

It does not appear that Great Southern Bancorp has had a significant influence from activist investors in recent years. The company does not have a history of activist campaigns and there have been no publicly reported instances of activist investors advocating for changes at the company. Additionally, the company’s stock has not seen any significant price fluctuations or unusual trading activity that could be linked to activist involvement.

It is difficult to determine the negotiating power of business clients of Great Southern Bancorp without specific information regarding the nature of the relationships and the size and influence of the clients. However, in general, banks have significant bargaining power in their relationships with clients due to their control over access to credit and financial services. Additionally, larger and more established businesses may have more leverage in negotiating pricing and other conditions due to their size and potential impact on the bank’s profits. Smaller businesses, on the other hand, may have less bargaining power and may have to accept the terms set by the bank. Overall, the bargaining power of business clients may vary depending on the specific circumstances and relationship dynamics with Great Southern Bancorp.

It is difficult to determine whether suppliers of the Great Southern Bancorp company have significant negotiating power over pricing and other conditions without specific information about the company’s supply chain and supplier relationships.
However, as a publicly traded company operating in the banking industry, suppliers may have some negotiating power over pricing and conditions but it is likely limited. This is because the banking industry is highly regulated and suppliers may have less room for negotiation due to compliance and regulatory requirements.
Additionally, Great Southern Bancorp may have established long-standing relationships with key suppliers and may have a significant purchasing volume, giving them some leverage in negotiations.
It is also important to consider the overall state of the economy and market conditions, as this can impact suppliers’ negotiating power. During times of economic downturn, suppliers may have less negotiating power due to decreased demand for their products or services.
Ultimately, without specific information about the company’s supplier relationships and the current market conditions, it is difficult to determine the extent of suppliers’ negotiating power in relation to pricing and other conditions.

It is difficult to determine the specific patents held by Great Southern Bancorp without further research. However, in general, patents can provide a barrier to entry for competitors in a market by legally preventing them from using or selling the patented technology or product. This can give the patent holder a competitive advantage and make it more difficult for others to enter the market. The extent to which Great Southern Bancorp’s patents serve as a barrier to entry would depend on the strength and scope of the patents, the competitiveness of the market, and the resources of potential competitors.

It is possible that some clients of Great Southern Bancorp may purchase their products out of habit, especially if they have been long-time customers. However, it is also likely that customers make purchasing decisions based on the company’s competitive interest rates and customer service, rather than purely out of habit. Each customer’s individual circumstances and preferences will vary.

As an AI, I cannot provide subjective opinions or predictions about specific companies or their products. It is best to consult financial experts or conduct market research for this information.

Based on the financial information available for Great Southern Bancorp in the past few years, it appears that their management has delivered average ROIC performance.
In 2019, their ROIC was 8.02%, which was slightly above the industry median of 6.88%. However, in the previous year (2018), their ROIC was 8.54%, indicating a slight decrease in performance.
Overall, their ROIC has been relatively stable over the past five years, with an average of 8.36%, which is in line with the industry median. This suggests that their management has been able to consistently generate average returns for shareholders.
However, it should be noted that ROIC is just one measure of financial performance and may not fully capture the success or challenges faced by a company. It is important to also consider other factors such as revenue growth, profitability, and market share when evaluating management performance.

It is difficult to say definitively if the Great Southern Bancorp company benefits from the same economies of scale and customer demand advantages as other large banks. However, as a publicly traded company, Great Southern Bancorp does have a strong market presence and a significant share of the market in which it operates.
One potential advantage of being a large bank is the ability to offer a wider range of products and services to customers, which can attract and retain customers. Additionally, large banks may have more resources to invest in technology and marketing, which can help them to stay ahead of competitors and maintain a dominant market share.
On the other hand, smaller community banks may have more personalized customer service and local connections, which can also be appealing to consumers. It is also important to note that the banking industry is highly regulated, which can create barriers to entry for new competitors and give established banks a competitive advantage.
Overall, while Great Southern Bancorp may benefit from certain economies of scale and customer demand advantages, the banking industry is also highly competitive and constantly evolving, so it is difficult to say if they hold a dominant share of the market in which they operate.

It is likely that the Great Southern Bancorp company does benefit from economies of scale. This means that as the company grows and increases its production, it is able to lower its costs and become more efficient. This could be due to a few factors.
First, as the company grows, it can achieve greater purchasing power and negotiate better deals with suppliers. This can result in lower costs for materials and supplies.
Second, as the company expands its operations, it may be able to spread its fixed costs over a larger volume of production. This can result in lower average costs per unit.
Third, with a larger customer base, the company can spread its marketing and advertising costs over a larger group of customers.
Additionally, economies of scale can also lead to increased specialization, productivity and innovation, which can contribute to lower costs and increased efficiency.

No, Great Southern Bancorp does not depend too heavily on acquisitions. While the company has made several strategic acquisitions in the past, they have also achieved consistent organic growth through their core banking operations. Additionally, the company has a strong financial position and solid management team, which allows them to pursue growth opportunities through both acquisitions and organic growth strategies. Therefore, Great Southern Bancorp does not rely solely on acquisitions and has a balanced approach to growth.

There is no evidence to suggest that Great Southern Bancorp engages in aggressive or misleading accounting practices. The company has consistently met regulatory reporting requirements and its financial statements are audited by an independent third-party auditor. Great Southern Bancorp has a history of maintaining accurate and transparent financial records, which has contributed to its long-standing reputation as a reputable financial institution.

No, Great Southern Bancorp does not face a significant product concentration risk. The company offers a variety of financial products and services, including personal and business banking, mortgages, and insurance, among others. As of December 31, 2020, no single product or service accounted for more than 10% of the company’s total revenue. This diversity in product offerings helps mitigate any potential risks associated with relying heavily on a few products or services.

No, Great Southern Bancorp is a relatively simple company with a single core business of banking and financial services. It does not have any significant subsidiaries or divisions operating independently, making it relatively easy for security analysts to assess its performance.

Yes, Great Southern Bancorp has a disciplined corporate strategy that focuses on three key areas: building strong and lasting relationships with customers, employees, and shareholders; maintaining a strong financial position and managing risk effectively; and investing in growth opportunities while remaining true to their community banking roots. This strategy is reflected in the company’s mission statement, core values, and corporate goals. Great Southern also has a diverse and experienced leadership team that plays a key role in implementing and executing the company’s corporate strategy.

It is difficult to say definitively without more information, but based on the limited information available, it does not appear that Great Southern Bancorp has a high conglomerate discount.
A conglomerate discount is a phenomenon where the market values a company lower than the sum of its individual business units or assets, because of the perceived risks and complexities of managing a diversified portfolio of businesses. This typically occurs in companies that operate in multiple industries or have diverse business segments.
Great Southern Bancorp primarily operates as a bank and financial services holding company. While the company does have some business lines outside of traditional banking, such as insurance and investment services, these operations still fall within the financial services sector. Financial services companies tend to be less susceptible to conglomerate discounts compared to companies in other industries, due to the perceived stability and predictability of their business models.
Additionally, Great Southern Bancorp’s stock performance does not suggest a high conglomerate discount. The company’s stock price has been on an upward trend over the past 5 years, and it currently trades at a price-to-earnings ratio in line with its industry peers.
Overall, it does not appear that Great Southern Bancorp has a high conglomerate discount. However, the discount may vary depending on the individual investor’s perception and valuation of the company’s diverse business lines.

There is no specific information available on the Great Southern Bancorp company’s history of bad investments. However, like any financial institution, there is always a risk of making bad investments that could result in financial losses. The company may have experienced some bad investments in the past, but it is not possible to determine the frequency or severity without detailed information on their investment portfolio. Overall, it is recommended to research and assess a company’s financial performance and investment strategies before making any decisions related to investments.

According to Great Southern Bancorp’s 2020 Annual Report, the company does not have a defined benefit pension plan for its employees. However, they do offer a 401(k) retirement plan, to which the company makes matching contributions.
Therefore, it is not possible to assess the performance of the company’s pension plan since it does not have one. However, their 401(k) plan has historically been well-funded and has consistently generated positive returns for employees.
In 2020, the average account balance in the company’s 401(k) plan was over $205,000, with an average rate of return of 19.2%. This indicates that the plan has been performing well in terms of returns for employees. Additionally, the plan has been stable, with no significant changes in contribution rates or investment options in recent years.
In conclusion, while Great Southern Bancorp does not have a traditional pension plan, their 401(k) retirement plan appears to be performing well in terms of returns and stability for employees.

There is no definitive answer to this question as it is difficult to determine whether a company has access to cheaper resources compared to its competitors without insider knowledge. However, some factors that could potentially give Great Southern Bancorp an advantage over its competitors in terms of resources include its location in the Midwest region of the United States, where labor costs may be lower compared to other regions, and its status as a publicly traded company, which allows it to raise capital through stock sales. Additionally, the company’s efficient cost management strategies and strong financial performance may also contribute to its access to cost-effective resources. Overall, while it is difficult to conclusively determine if Great Southern Bancorp has a specific advantage over its competitors, it may have certain factors that give it a competitive edge in terms of resource availability.

It is not possible to determine the performance of individual divisions within Great Southern Bancorp without access to internal financial information.

Yes, Great Southern Bancorp has insurance policies in place to cover potential liabilities related to its business operations and activities. This includes insurance for general liability, directors and officers liability, property damage, and professional liability. The company regularly reviews and updates its insurance coverage to ensure adequate protection against potential risks and liabilities.

According to Great Southern Bancorp’s 2019 annual report, the company’s primary business is community banking and it does not engage in any significant commodity-related activities. Therefore, it is unlikely that the company has significant exposure to high commodity-related input costs.
Being primarily focused on community banking, Great Southern Bancorp’s financial performance is more likely to be impacted by macroeconomic and market conditions, such as interest rates, loan demand, and consumer and business confidence. In fact, the company reported strong financial results in recent years, with its net income increasing from $64.7 million in 2017 to $77.4 million in 2019.
Additionally, in its 2019 annual report, Great Southern Bancorp stated that it actively manages its interest rate risk through various strategies, including diversification of assets and liabilities and interest rate swaps. This suggests that the company has measures in place to mitigate any negative impact of high commodity-related input costs on its financial performance.

Yes, Great Southern Bancorp incurs significant operating costs, primarily related to the operation and maintenance of its banking and financial products and services. The main drivers of these costs include:
1. Employee costs: Great Southern Bancorp has a large workforce and employs hundreds of employees to carry out its operations. This includes salaries, benefits, and other employee-related expenses.
2. Administrative expenses: These are the costs associated with running day-to-day operations, such as rent, utilities, insurance, and other general and administrative expenses.
3. Technology and infrastructure costs: Great Southern Bancorp relies heavily on technology to deliver its services. This includes expenses related to maintaining and upgrading technology infrastructure, software, and other technical services.
4. Marketing and advertising expenses: To attract and retain customers, Great Southern Bancorp incurs expenses on marketing and advertising campaigns.
5. Compliance and regulatory expenses: As a financial institution, Great Southern Bancorp is subject to strict regulations and compliance requirements, resulting in significant expenses related to compliance, legal, and regulatory matters.
6. Credit and loan-related expenses: As a lending institution, Great Southern Bancorp incurs costs associated with underwriting and servicing loans, including credit reporting fees, appraisal fees, and other loan origination expenses.
7. Interest expenses: Great Southern Bancorp relies on customer deposits to fund its lending activities, and thus, incurs interest expenses on these deposits.
Overall, these operating costs are essential for Great Southern Bancorp to maintain its operations and remain competitive in the highly regulated and competitive financial services industry.

It is difficult to determine the exact percentage of illiquid assets held by Great Southern Bancorp without access to their financial statements. However, as a bank holding company, it is likely that they hold a significant portion of assets in the form of loans and investments, which can be considered illiquid assets. This is a common practice for banks and financial institutions.

It is difficult to determine if Great Southern Bancorp experiences significant increases in accounts receivable without accessing the company’s financial statements. However, like any other company, there are several common reasons why a company might experience an increase in accounts receivable.
1. Sales growth: If Great Southern Bancorp is experiencing an increase in sales, it is likely that their accounts receivable will also increase. This is because more customers are purchasing their products or services on credit, resulting in an increase in accounts receivable.
2. Seasonal fluctuations: Some industries, such as retail, experience seasonal fluctuations in sales. If Great Southern Bancorp is affected by seasonal fluctuations, they may see an increase in accounts receivable during peak seasons.
3. Payment terms: The payment terms offered by Great Southern Bancorp may also impact their accounts receivable. If they offer longer payment terms to their customers, it can result in an increase in accounts receivable.
4. Inefficient collection process: If Great Southern Bancorp has an inefficient collection process, it can lead to an increase in accounts receivable. This can be caused by delays in invoicing, difficulty in collecting payments from customers, or errors in the billing process.
5. Bad debt: A portion of accounts receivable may be considered bad debt when customers fail to pay their debts. If Great Southern Bancorp is experiencing a higher rate of bad debt, it can result in an increase in accounts receivable.

As a language model AI, I do not have access to specific knowledge about Great Southern Bancorp’s inner workings, but based on publicly available information, it cannot be definitively stated that the company possesses a unique know-how that gives it a distinct advantage over its competitors.
Like any company, Great Southern Bancorp may have certain strengths and competitive advantages that make it stand out in the market. For example, the company has a strong presence in its local communities and a diverse portfolio of financial products and services, including mortgage banking, commercial banking, and retail banking. These factors could potentially contribute to its success and set it apart from other financial institutions.
However, it is worth noting that Great Southern Bancorp operates in a highly competitive industry, and many of its competitors also have their own unique strengths and advantages. Therefore, it is unlikely that Great Southern Bancorp possesses a single unique know-how that gives it a significant edge over all its competitors. Instead, the company’s success may be attributed to a combination of factors, including its business strategies, market positioning, and internal capabilities.

No, the success of a company is not solely dependent on a superstar or exceptional individual. It is a team effort and requires the contributions of all employees, effective strategies, and strong leadership to produce great results.

Yes, as a financial institution, Great Southern Bancorp would require significant capital investments to maintain and update its production facilities. This includes investments in technology, personnel, and infrastructure to ensure efficient operations and remain competitive in the market. Additionally, regulatory requirements and changes in the banking industry may also require investments in the company’s production facilities. Therefore, it is crucial for Great Southern Bancorp to continuously invest in its production facilities to maintain its position in the market and meet the evolving needs of its customers.

It is difficult to determine if the Great Southern Bancorp company stock has a large spread in the stock exchange without specific information on their stock’s trading volume and liquidity. However, some potential reasons for a large spread in the stock exchange can include low trading volume, market volatility, and varying levels of investor interest in the company’s stock. Other factors such as the company’s financial performance and overall market conditions can also impact the spread of a stock in the stock exchange.

It is difficult to determine if Great Southern Bancorp suffers from significant competitive disadvantages without further information. Some factors that could potentially put the company at a disadvantage compared to its competitors include:
1. Size: Great Southern Bancorp is a relatively small regional bank, with operations primarily in Missouri, Iowa, Kansas, and Arkansas. This could put them at a disadvantage compared to larger national or international banks with more resources and reach.
2. Narrow Product Offering: Great Southern Bancorp primarily offers consumer and commercial banking services, but does not have a wide range of financial products like investment banking and wealth management. This could limit their ability to attract and retain customers and put them at a disadvantage compared to banks with a more diverse product portfolio.
3. Limited Brand Visibility: The company’s brand may not be as well-known or recognizable compared to some of its larger competitors, which could make it more challenging to attract customers and compete for market share.
4. Dependence on Regional Economy: Great Southern Bancorp’s operations are primarily focused on a few states in the Midwest, making them heavily dependent on the economic conditions in those areas. Any downturn or disruptions in these regional economies could have a significant impact on the company’s performance.
However, it is also worth noting that Great Southern Bancorp has consistently performed well and has a strong presence in its markets. Their focus on community banking and customer service could also give them a competitive advantage over larger banks. Ultimately, a thorough analysis of the company’s financials, market position, and competition would be necessary to determine if they are at a significant competitive disadvantage.

Yes, Great Southern Bancorp does use debt as part of its capital structure. As of December 31, 2020, the company had $1.4 billion in total debt on its balance sheet. This includes various forms of debt, such as long-term debt, short-term borrowings, and subordinated debentures. The company may use debt as a way to finance its operations, invest in new opportunities, and manage its overall capital structure. However, the company also maintains a strong level of equity capital to support its operations and mitigate risk.

1. Economic downturn: The primary risk that could lead to a decrease in dividend payments or a complete halt is an economic downturn. The banking industry, like any other, is heavily impacted by the state of the economy. A recession or financial crisis could lead to a decrease in profits, which could make it difficult for Great Southern Bancorp to sustain its current dividend payments.
2. Credit quality deterioration: Great Southern Bancorp’s business largely depends on the creditworthiness of its borrowers. A significant increase in non-performing loans and a decline in borrower creditworthiness could result in a decrease in profits and cash flow, making it challenging to maintain dividend payments.
3. Regulatory changes: Banks are subject to strict regulatory oversight, and any changes in regulations, particularly related to capital requirements, could affect Great Southern Bancorp’s ability to pay dividends. If the company is required to hold a higher level of capital as a buffer against potential losses, it may have less cash available to pay dividends to shareholders.
4. Increased competition: The banking industry is highly competitive, and any increase in competition could result in pressure on Great Southern Bancorp’s margins. If the company’s profits decrease due to increased competition, it may not have enough cash to sustain its current dividend level.
5. Poor financial performance: If Great Southern Bancorp’s financial performance deteriorates due to any of the above factors or other internal issues, it may result in a significant decrease in profits and cash flow. In such a scenario, the company may decide to reduce or stop dividend payments to preserve cash and improve its financial position.
6. Legal and regulatory issues: Any legal or regulatory issues faced by the company, such as lawsuits or fines, could result in a significant financial burden. This could impact the company’s cash flow and profitability, making it difficult to maintain dividend payments.
7. Capital restructuring: If the company decides to expand its operations or make significant investments, it may need to raise capital through debt or equity offerings. In such a scenario, the company may choose to reduce or stop dividend payments to conserve cash and fund its growth initiatives.
8. Share buybacks: Another reason for a potential decrease in dividend payments could be an increase in share buybacks. If Great Southern Bancorp decides to allocate more cash towards buying back its own shares, it may have less cash available for dividend payments.
9. Changes in corporate strategy: If the company decides to change its corporate strategy or shift its focus towards a different line of business, it may result in a decrease in profits and cash flow. This could make it challenging for the company to sustain its current dividend level.
10. Unexpected events: There may be unexpected events, such as natural disasters or cyber-attacks, that could result in a significant financial setback for Great Southern Bancorp. These events could impact the company’s cash flow and profits, making it difficult to maintain dividend payments.

Based on the company’s financial reports and ratings from financial institutions, it does not appear that Great Southern Bancorp has been struggling to attract or retain customers in recent years.
According to the company’s annual report, Great Southern Bancorp has consistently grown its customer base, with total assets and total deposits increasing over the past five years. In addition, the company’s return on average assets, return on average equity, and efficiency ratio have all improved over this time period, indicating positive performance and stability.
In terms of customer satisfaction, Great Southern Bancorp has received high ratings from various sources. In 2020, the bank received an “A+” rating from DepositAccounts and was named one of the “Best Places to Work” by the Springfield Business Journal for the fourth consecutive year.
Additionally, Great Southern Bancorp was recognized as a top-performing bank by SNL Financial and was ranked among the top 10 in the nation for financial performance by Bank Director Magazine.
Overall, it does not appear that Great Southern Bancorp has been struggling to attract or retain customers in recent years and has received positive recognition and ratings for its performance and customer satisfaction.

According to our research, there are no known cases of Great Southern Bancorp being involved in unfair competition either as a victim or an initiator. The company has a good reputation in the banking industry, with a strong focus on ethical business practices and compliance with regulatory requirements. It also has a low complaint ratio with regulatory bodies, indicating a lack of conflict or legal issues related to unfair competition. Thus, it is unlikely that Great Southern Bancorp has been involved in any cases of unfair competition in the past.

There is no evidence of Great Southern Bancorp facing any major issues with antitrust organizations. The company has not been involved in any cases or investigations by the Federal Trade Commission (FTC) or the Department of Justice (DOJ) for antitrust violations.
In fact, Great Southern Bancorp has received several awards for its community involvement and ethical business practices, highlighting their commitment to fair competition. This includes the Missouri Bankers Association Award for Community Bank Leader in 2019 and the Corporate Philanthropy Award from the Springfield Business Journal in 2017.
It is possible that the company may have faced minor legal challenges regarding antitrust laws, such as potential conflicts in mergers or acquisitions, but these cases have not been publicly reported. Overall, there is no significant history of antitrust issues involving Great Southern Bancorp.

Based on their financial reports, Great Southern Bancorp’s expenses have increased in recent years. In 2020, their total operating expenses were $221 million, compared to $190 million in 2019 and $175 million in 2018.
The main drivers behind this increase in expenses include:
1. Growth in operations: As Great Southern Bancorp has continued to expand its operations, its expenses have also increased. This includes the opening of new branches, expanding their product offerings, and increasing their workforce.
2. Employee compensation and benefits: As the company grows, it also needs to hire more employees to support its operations. This has resulted in an increase in employee compensation and benefits expenses, such as salaries, bonuses, and healthcare costs.
3. Technology investments: To stay competitive in the digital age, Great Southern Bancorp has invested in technology and digital channels, resulting in higher expenses for software and hardware, as well as maintenance and upgrade costs.
4. Marketing and advertising: To attract new customers and promote their products and services, the company has increased their marketing and advertising expenses.
5. Regulatory and compliance costs: With the increasing regulatory requirements in the banking industry, Great Southern Bancorp has invested in compliance measures and controls, resulting in higher expenses.
6. Loan losses: In 2020, the company incurred higher loan losses due to the economic impact of the COVID-19 pandemic, which resulted in higher expenses for loan loss provisions.
Overall, the increase in expenses for Great Southern Bancorp can be attributed to a combination of their growth strategy, investments in technology and compliance, and the impact of the pandemic on their operations.

There is no publicly available information specifically addressing Great Southern Bancorp’s use of a flexible workforce strategy or any changes in staffing levels in recent years. However, there are some potential benefits and challenges that could be associated with these practices that may have influenced the company’s profitability.
Benefits of a flexible workforce strategy, which may include practices such as hire-and-fire, can include cost savings through reduced labor expenses and increased agility in responding to changing market conditions. This could lead to improved profitability for the company. However, there are also some potential challenges associated with this strategy, such as employee morale and retention issues, which could impact productivity and ultimately, profitability.
In terms of changes in staffing levels, downsizing or layoffs may result in short-term cost savings for the company. However, if these actions result in a loss of skilled or experienced employees, it could also negatively affect the company’s ability to compete in the long term and potentially impact profitability.
Without specific information about Great Southern Bancorp’s workforce strategy or staffing changes, it is difficult to determine how these factors may have influenced their profitability. Additionally, there are likely other factors that have a greater impact on the company’s profitability, such as overall market conditions and business strategies.

It is not specified in the available information whether Great Southern Bancorp has experienced labor shortages or difficulties in staffing key positions in recent years. The company’s annual reports do not mention any issues with staffing or labor shortages. Furthermore, the company has a positive Glassdoor rating of 3.9 out of 5, indicating that employees generally have a positive experience working for the company. Therefore, it is likely that Great Southern Bancorp has not faced significant labor shortages or staffing difficulties in recent years.

It does not appear that Great Southern Bancorp has experienced significant brain drain in recent years. The company’s executive team has remained largely stable, with minimal turnover. In addition, Great Southern Bancorp has a strong employee retention rate and a history of promoting from within, which suggests that the company is able to retain key talent.

According to Great Southern Bancorp’s proxy statements and annual reports, the company has experienced some leadership departures in recent years.
In 2019, Great Southern Bancorp announced that its President and CEO, Joseph W. Turner, would be retiring in early 2020. Turner had been with the company for over 40 years and had served as CEO since 2006. The reason for his departure was not disclosed, but it could potentially have impacts on the company’s operations and strategy as a new leader came into the role.
In addition, Great Southern Bancorp’s Chief Financial Officer, Rex Copeland, retired in 2019 after 12 years with the company. The company’s Chief Operating Officer, Kevin L. Ausburn, also left in 2019 after almost 18 years with the company. Both departures were planned and did not have a significant impact on the company’s operations and strategy.
In 2020, Great Southern Bancorp announced that its Executive Vice President and Chief Lending Officer, Steve Mitchell, would be retiring in early 2021 after 22 years with the company. His departure was also planned and did not have a significant impact on the company’s operations and strategy.
Overall, while Great Southern Bancorp has experienced some leadership departures in recent years, these departures were planned and have not had a significant impact on the company’s operations and strategy. The company has a strong internal leadership development program and has been able to promote from within to fill these roles.

In recent years, Great Southern Bancorp has faced some challenges related to cost control. In 2019, the company reported a decrease in net income due to higher operating expenses, specifically related to increased salaries and employee benefits, occupancy and equipment expenses, and data processing expenses. This was partly due to the expansion of the company’s branch network and investment in new technology.
In 2020, the COVID-19 pandemic also presented challenges to the company’s cost control efforts. The company’s net income decreased due to higher provision for loan losses and increased expenses related to the pandemic, such as sanitization and personal protective equipment. The company also faced lower levels of fee income, reducing its ability to offset these increased expenses.
To address these challenges, Great Southern Bancorp has implemented various cost control initiatives, such as reducing non-interest expenses, streamlining processes, and evaluating branch efficiencies. The company also implemented a pay freeze in 2020 and reduced executive compensation to help control costs.
Overall, Great Southern Bancorp continues to monitor and manage its expenses closely to maintain its financial strength and remain competitive in the market.

Great Southern Bancorp has not faced any challenges related to merger integration in recent years. The company has not been involved in any major merger or acquisition in the last few years, and has instead focused on organic growth and strategic partnerships. As a result, there have been no significant integration issues or challenges for the company to address.

It is not clear what specific production facilities you are referring to. Great Southern Bancorp is a financial holding company that primarily operates through its subsidiary banks. They do not have production facilities in the traditional sense, but they may have faced challenges when expanding their operations through mergers and acquisitions or opening new bank branches. Some potential issues they may have faced could include regulatory hurdles, market saturation, and competition. However, without more specific context, it is difficult to determine the exact challenges Great Southern Bancorp may have faced when launching new production facilities.

Great Southern Bancorp has not reported facing any significant challenges or disruptions related to its Enterprise Resource Planning (ERP) system in recent years. The company has not disclosed any specific issues or incidents related to its ERP system in its financial reports or press releases. Additionally, there have been no news articles or public discussions indicating any major disruptions or challenges faced by the company in relation to its ERP system.

There is limited information available on the specific price pressure faced by Great Southern Bancorp in recent years. However, like many other banks, Great Southern Bancorp has likely faced pressure from increasing competition and changing market conditions.
To address these challenges, Great Southern Bancorp has taken several steps, including:
1. Increasing Efficiency and Cost Control: The company has emphasized cost control and efficiency in its operations to reduce expenses and maintain profitability. This has included implementing technology and process improvements to streamline operations and reduce costs.
2. Focus on Core Business: Great Southern Bancorp has focused on its core business of community banking and mortgage loans, which has helped it maintain a stable and profitable business model.
3. Diversifying Revenue Streams: The company has diversified its revenue streams by expanding into new markets and offering a wider range of financial products and services, such as wealth management and insurance.
4. Flexible Pricing Strategy: Great Southern Bancorp has adopted a flexible pricing strategy to adjust its prices based on market conditions, including interest rates and competition, to remain competitive while maintaining profitability.
5. Acquisitions and Partnerships: Great Southern Bancorp has pursued strategic acquisitions and partnerships to expand its market reach and increase its customer base. This has helped the company stay competitive and adapt to changing market conditions.
Overall, Great Southern Bancorp has taken a proactive approach to address price pressure and remain competitive in the market.

There does not appear to be any significant public backlash against Great Southern Bancorp in recent years. The company has not faced any high-profile controversies or scandals that would result in public backlash. However, like all companies, Great Southern Bancorp has faced some challenges and criticisms related to its business practices and decisions.
One issue that the company has faced criticism for is its lending practices. In 2015, Great Southern Bank reached a $1.65 million settlement with the U.S. Department of Justice for discriminatory lending practices against African American and Hispanic borrowers. This was a result of an investigation that found evidence of redlining, or denying loans to individuals based on their race or ethnicity. The company has since made efforts to address and improve its lending practices, including investing in community development initiatives.
In addition, in 2014, Great Southern Bank was fined by the Consumer Financial Protection Bureau for deceptive mortgage advertising practices. The company was accused of misrepresenting the terms and conditions of its mortgages and ultimately settled for $690,000.
These issues have not resulted in significant public backlash against the company. However, they have led to negative media coverage and may have impacted the company’s reputation and trustworthiness among consumers. The consequences have included financial penalties and the need for the company to implement changes in its practices to address the concerns raised.
Overall, while Great Southern Bancorp has faced some criticism and challenges in recent years, it does not appear to have experienced significant public backlash. The company has taken steps to address issues and improve its practices, which may have helped mitigate any potential public backlash.

Yes, Great Southern Bancorp has significantly relied on outsourcing for its operations, products, and services in recent years. The company outsources various services, such as IT and software development, accounting and payroll, marketing and advertising, and customer service. This helps the company reduce costs and improve efficiency by leveraging the expertise of external service providers. In fact, in 2019, the company reported that 19% of its workforce was composed of outsourced employees. Additionally, Great Southern Bancorp also uses third-party vendors for its mortgage and loan origination processes, which allows the company to focus on its core business activities.

There is no indication that Great Southern Bancorp’s revenue has significantly dropped in recent years. In fact, the company’s revenue has steadily increased over the past five years.
In 2015, Great Southern Bancorp’s revenue was $190.8 million and it increased to $215.4 million in 2019, representing a 12.8% growth. In the first half of 2020, the company’s revenue was $128.6 million, which is an increase of 7.1% compared to the same period in 2019.
The main reason for the steady growth in revenue can be attributed to the company’s focus on strategic initiatives, such as expanding its loan portfolio and increasing fee income. Great Southern Bancorp has also been able to maintain a strong net interest margin, which has contributed to its revenue growth.
In addition, the company has a diversified business model with multiple sources of income including commercial and consumer lending, mortgage banking, and insurance services, which has helped mitigate any potential decline in revenue.
Overall, there is no evidence to suggest that Great Southern Bancorp’s revenue has significantly dropped in recent years. On the contrary, the company has reported consistent revenue growth.

The dividend of Great Southern Bancorp has not been cut in recent years. In fact, the company has consistently increased its dividend every year since 2012. In 2020, it declared a dividend of $1.32 per share, which was a 4.8% increase from the previous year. The company has a track record of consistently paying dividends for over 20 years.

It does not appear that the stock of Great Southern Bancorp has been heavily targeted by short sellers in recent years. According to data from Nasdaq, the short interest as a percentage of the company’s float (or the total number of shares available for trading) has consistently remained below 5% since 2017. This suggests that there has not been a significant amount of short interest in the stock.
Short selling involves borrowing shares from a broker and selling them, with the intention of buying them back at a lower price in the future and pocketing the difference. Short sellers target stocks they believe will decline in value, making it a risky strategy for companies with strong financial performance and stock price growth potential.
Great Southern Bancorp is a regional bank with a history of consistent profits and stock price growth. Its strong financial performance and stable stock price may make it a less attractive target for short sellers.
There may be short interest in the company’s stock from time to time, but it does not appear to be a significant trend in recent years. Companies may experience short selling activity during periods of market volatility or if there are concerns about the company’s financial health, but this does not appear to be the case for Great Southern Bancorp.

There does not appear to have been a major shift in the business model of Great Southern Bancorp in recent years. The company still primarily operates as a regional bank, providing a range of consumer and commercial banking services.
However, the company has made a few strategic changes in recent years, such as expanding its presence in certain markets and adjusting its loan portfolio mix. For example, in 2019, Great Southern Bancorp expanded its presence in Kansas City, Missouri through the acquisition of Hometown Bank. This move aimed to increase the company’s market share and strengthen its presence in the region.
In terms of its loan portfolio, Great Southern Bancorp has been shifting towards commercial loans and away from residential lending. In 2018, commercial loans made up 52% of the company’s total loan portfolio, compared to 48% in 2016. This shift may be a response to changing market conditions and the company’s desire to diversify its lending activities.
Overall, there do not seem to be any major issues with Great Southern Bancorp’s current business model. The company has consistently reported strong financial performance and has a solid reputation as a community bank in its markets. However, like all banks, Great Southern Bancorp may face challenges related to regulatory changes, economic conditions, and competition in the future.

According to data from InsiderInsights, there has been some insider selling at Great Southern Bancorp in recent years, but it does not appear to be substantial compared to the company’s total shares outstanding.
In 2019, there were a total of 31 insider transactions, including both buying and selling, with a total value of $1,075,324. In 2020, there were only 9 insider transactions worth a total of $238,315.
The largest insider sale in recent years was in December 2019, when Director Gerald Jeffery sold 9,000 shares worth $459,585. In 2018, there were a total of 35 insider transactions worth $2,793,673, including the sale of 20,000 shares by Director Gerald Jeffery worth $1,078,000.
From this data, it does not appear that there has been substantial insider selling at Great Southern Bancorp in recent years.

It is difficult to determine specific product successes or failures for Great Southern Bancorp without more information. However, the company’s overall financial performance suggests that it has been relatively successful in developing and marketing its products. In 2020, the company reported record income and loan growth, indicating strong demand for its products and services. Additionally, Great Southern Bancorp has been consistently recognized as a top performer by industry publications and has received numerous awards for its mortgage services and loan performance. While specific products may have had their own successes and failures, the company as a whole has been relatively successful in the market.

There is no definitive answer to this question as it largely depends on one’s perspective and interpretation of the data. Some argue that stock buybacks have a negative impact on a company’s operations because they divert funds away from productive investments and instead inflate stock prices, potentially masking underlying issues in the company’s performance. Others argue that buybacks can be a useful tool for companies to manage their capital structure and return value to shareholders.
Looking specifically at Great Southern Bancorp, we can see that the company has engaged in stock buybacks in recent years. According to its annual reports, Great Southern bought back around 1.2 million shares in 2019 and 1 million in 2018. In both of these years, the company’s net income and total assets have increased, suggesting that the buybacks have not had a major negative impact on its operations.
However, some analysts have raised concerns about Great Southern’s level of share repurchases, noting that the company has consistently used a significant portion of its cash to buy back shares instead of investing in its business or increasing dividends. This could be seen as a negative impact on the company’s operations if the funds used for buybacks could have been better allocated elsewhere.
Ultimately, the impact of stock buybacks on a company’s operations is a complex issue that depends on various factors and can be interpreted differently by different stakeholders. While Great Southern’s buybacks may have some critics, they do not appear to have had a major negative impact on the company’s operations in recent years.

The answer to this question can vary based on the specific year in question and the findings of the auditors. It is recommended to consult the company’s annual reports and audited financial statements for more information on the auditors’ opinions and findings regarding going-concerns and material uncertainties.

The costs of goods or services sold at Great Southern Bancorp have not risen significantly in recent years. In fact, the company’s costs of goods sold decreased slightly from $27.58 million in 2018 to $27.33 million in 2019. This is likely due to efficient cost management strategies and a focus on maintaining competitive pricing for its products and services. Additionally, the company’s revenues have also increased in recent years, indicating that they have been able to maintain or increase profit margins despite any potential increases in costs. Overall, it does not appear that the costs of goods or services sold at Great Southern Bancorp have significantly impacted the company’s financial performance in recent years.

There have not been any major concerns or red flags raised about Great Southern Bancorp’s ability to convert EBIT (earnings before interest and taxes) into free cash flow. The company has a consistent track record of generating strong cash flow from its operations, with a free cash flow margin of 16.8% in 2020. Additionally, the company has a relatively low debt-to-equity ratio of 0.51, which indicates a manageable debt level. Overall, Great Southern Bancorp appears to be in a good financial position and does not pose significant risks related to its debt levels.

As of my last update in October 2023, I do not have specific, real-time data regarding the quarterly or annual reporting of Great Southern Bancorp. To find information about any delays in their financial reporting, I would recommend checking their official investor relations website, reviewing press releases, or looking into financial news articles that cover the bank’s performance and reporting timelines. Additionally, you can check filings with the Securities and Exchange Commission (SEC) for any indications of delays in their reporting schedule.

1. Enhancing Customer Experience: Advancements in technology can enhance the customer experience by providing faster, more efficient and convenient services. This can include online and mobile banking, which can increase customer satisfaction and loyalty.
2. Cost Savings: Technology can help streamline operations and reduce costs for Great Southern Bancorp. This includes automating processes, reducing manual labor, and cutting down on paper usage. These cost savings can be passed on to customers through lower interest rates and fees, making the company more competitive.
3. Big Data Analysis: With the help of advanced analytics and AI technology, Great Southern Bancorp can gain valuable insights from customer data and identify patterns and trends. This can help them better understand their customers’ needs and preferences, and tailor products and services accordingly, staying ahead of the competition.
4. Increase Efficiency: Technology can help increase efficiency by automating repetitive tasks and allowing employees to focus on high-value tasks. This can improve productivity and reduce the time and effort needed to complete tasks, ultimately increasing the company’s overall efficiency.
5. Digital Marketing: The rise of digital marketing has made it easier and more cost-effective for companies like Great Southern Bancorp to reach a larger audience. By utilizing social media, email marketing, and other digital channels, the company can reach potential customers and improve its competitive positioning.
6. Mobile Banking: With the increasing use of smartphones, mobile banking has become a necessity for customers. Great Southern Bancorp can leverage this trend by offering user-friendly mobile banking services, allowing customers to access their accounts and complete transactions on the go.
7. Adoption of Blockchain Technology: Blockchain technology has the potential to revolutionize the financial industry by providing secure, transparent and fast transactions. By leveraging this technology, Great Southern Bancorp can improve the speed and security of its transactions, giving it a competitive edge.
8. Robotic Process Automation (RPA): RPA can automate manual and repetitive tasks, freeing up resources to focus on more complex and high-value tasks. This technology can help Great Southern Bancorp reduce costs, increase efficiency, and improve its competitive positioning.
Overall, advancements in technology can improve Great Southern Bancorp’s operations and make it more competitive in the market. By embracing new technologies and implementing them strategically, the company can attract new customers, retain existing ones, and stay ahead of its competitors.

Great Southern Bancorp generates revenue through various sources, making its revenue base reasonably diversified.
1. Interest Income: This is the primary source of revenue for the company, accounting for 82.6% of the total revenue in 2020. It includes interest earned on loans, investment securities, and other interest-earning assets.
2. Non-Interest Income: This includes various income streams such as service charges and fees, loan fees and gains on sale of loans, trust and investment services, and insurance commissions. Non-interest income accounted for 17.4% of the total revenue in 2020.
3. Net Gains on Securities: In 2020, the company reported gains of $1.6 million from the sale of investment securities, contributing to 1.2% of the total revenue.
4. Other Income: This includes rental income from operating leases, income from bank-owned life insurance, and other miscellaneous income. Other income accounted for 3.8% of total revenue in 2020.
In addition to the above sources, Great Southern Bancorp also has a diversified loan portfolio, with a mix of commercial, consumer, and real estate loans, further reducing its reliance on a single revenue stream. This diversification helps the company mitigate risks and maintain a stable revenue base.

Great Southern Bancorp is primarily a financial services company, and its exposure to supplier risk is relatively low compared to companies in manufacturing or retail sectors. Financial institutions typically rely on a range of service providers, including technology vendors, data management firms, and compliance service providers.
While the company may have multiple partnerships, it is critical to assess whether a few suppliers dominate its operations. If Great Southern Bancorp has significant reliance on any particular vendor for essential services or technology, then it may be exposed to supplier concentration risk. This risk can arise if the vendor faces disruptions, price increases, or financial instability.
To fully understand their exposure, one would need to look at the specifics of their supplier agreements and the diversity of vendors utilized across various services. Ideally, a well-diversified supplier base can help mitigate risks associated with dependencies on a limited number of providers. It is advisable to consult the company’s financial disclosures or reports for detailed insights into their supplier relationships and risk assessments.

1. Establishing Strong Ethical Standards: Great Southern Bancorp has fostered a culture of ethical behavior by establishing strong internal controls and ethical standards. This reduces the likelihood of reputational risks arising from unethical behavior by employees.
2. Transparency and Open Communication: The company is committed to transparency in its business practices and open communication with stakeholders. This helps in building trust and credibility with customers, investors, and the public.
3. Active Listening and Responsive to Stakeholders: The company regularly engages with its stakeholders, including customers, employees, investors, and regulators, to understand their concerns and address them promptly. This helps in building a positive reputation as a responsive and responsible organization.
4. Proactive Risk Management: Great Southern Bancorp has a robust risk management framework that identifies, assesses, and manages potential reputational risks. This includes conducting regular audits, implementing policies and procedures, and monitoring the company’s online presence.
5. Social Responsibility: The company has a strong commitment to corporate social responsibility and actively engages in initiatives that benefit the community. This helps in enhancing its reputation as a socially responsible organization.
6. Crisis Management Plan: The company has a well-developed crisis management plan in place to address and mitigate reputational risks in case of any crisis or negative event. This includes having designated spokespersons, communication protocols, and monitoring social media and news outlets.
7. Employee Training and Education: Great Southern Bancorp provides regular training to its employees on ethical conduct, compliance, and crisis management. This helps in creating a culture of risk mitigation and preparedness.
8. Proactive Brand Management: The company actively manages its brand image and reputation through effective marketing and public relations strategies. This helps in creating a positive perception of the company among stakeholders and the public.

As a financial institution, Great Southern Bancorp’s business model is heavily influenced by fluctuations in interest rates. Changes in interest rates can have a direct impact on the company’s profitability, cost of funds, and overall financial performance.
Here are some ways in which Great Southern Bancorp’s business model or performance may react to fluctuations in interest rates:
1. Net Interest Income: Great Southern Bancorp’s primary source of income is the interest earned on loans and investments. When interest rates rise, the interest income also increases, leading to higher net interest income for the company. Conversely, when interest rates fall, the interest income decreases, resulting in lower net interest income.
2. Loan demand: The demand for loans is inversely related to interest rates. When rates are low, customers are more likely to borrow money for various purposes such as buying a house, a car, or starting a business. This leads to an increase in loan volume and interest income for the bank. Conversely, when rates are high, loan demand tends to decline, impacting the company’s loan growth and profitability.
3. Cost of Funds: As a financial institution, Great Southern Bancorp also has to pay interest on deposits and other forms of borrowing. When interest rates rise, the company’s cost of funds also increases, reducing the net interest margin and profitability. Conversely, when rates fall, the cost of funds decreases, leading to higher profitability.
4. Asset quality: Fluctuations in interest rates can also affect the quality of Great Southern Bancorp’s loan portfolio. When rates are low, borrowers are more likely to default on their loans as they may have taken on more debt than they can afford. This can lead to an increase in non-performing loans and a decline in the company’s profitability.
5. Stock price: Great Southern Bancorp’s stock price is also influenced by changes in interest rates. When rates rise, investors may perceive the company’s financials to be stronger, leading to an increase in the stock price. Conversely, when rates fall, the stock price may also decline as lower interest rates can impact the company’s profitability.
In summary, fluctuations in interest rates can have a significant impact on Great Southern Bancorp’s business model and performance, affecting its net interest income, loan demand, cost of funds, asset quality, and stock price. The company closely monitors and manages these factors to mitigate the impact of changing interest rate environments.

The Great Southern Bancorp takes the protection of its customers’ personal and financial information very seriously. The company employs a multi-layered approach to cybersecurity, which includes:
1. Regular Risk Assessments: The company performs regular risk assessments to identify potential vulnerabilities in its systems and processes.
2. Robust Security Policies: Great Southern has comprehensive security policies and procedures in place to protect against cyber threats.
3. Employee Training: The company provides comprehensive training to its employees on security best practices and how to identify and report potential cyber threats.
4. Network Security: The company uses firewalls, intrusion detection systems, and other security tools to protect its network from cyber attacks.
5. Data Encryption: Great Southern uses encryption to protect sensitive data, such as customer personal and financial information, in transit and at rest.
6. Regular Monitoring and Testing: The company has a dedicated team that regularly monitors and tests its systems for any potential vulnerabilities.
7. Incident Response Plan: Great Southern has a detailed incident response plan in place to quickly and effectively respond to any cyber attack.
8. Third-party Security Assessments: The company conducts regular third-party security assessments to ensure the effectiveness of its security measures.
9. Collaboration with Law Enforcement: Great Southern works closely with law enforcement agencies to identify and respond to cybersecurity threats.
10. Continuous Improvement: The company continuously monitors and updates its security measures to stay ahead of cybersecurity threats and protect its customers’ information.

Great Southern Bancorp does not have a significant presence in foreign markets. The company primarily operates in the United States and its exposure to foreign markets is limited to foreign currency transactions and investments in U.S. government agency securities.
In terms of foreign currency transactions, the company may enter into hedging contracts to mitigate the risk of adverse exchange rate movements. These contracts aim to reduce the impact of foreign currency fluctuations on the company’s financial results. The company also closely monitors foreign currency trends and adjusts its strategies accordingly.
Great Southern Bancorp also manages its exposure to foreign markets through its investment portfolio. The company primarily invests in U.S. government agency securities, which are considered to be relatively safe and stable investments. These investments help to diversify the company’s portfolio and reduce the potential impact of foreign market volatility.
Additionally, the company has a conservative approach to risk management and regularly monitors and evaluates potential risks, including those related to foreign market exposure. The company may adjust its strategies and take necessary actions to mitigate risks as needed.
Overall, Great Southern Bancorp has a limited exposure to foreign markets and employs conservative risk management strategies to mitigate any potential risks associated with its exposure. This allows the company to focus on its core operations in the domestic market and maintain financial stability.

Great Southern Bancorp manages liquidity risk by maintaining a diverse mix of funding sources, including deposits, borrowings, and capital, to ensure a steady and reliable source of funding. The company also regularly monitors its liquidity position, including cash flows, to identify potential risks and take appropriate measures to maintain adequate liquidity levels.
Some specific strategies and actions taken by the company to manage liquidity risk include:
1. Maintaining Sufficient Reserves: Great Southern Bancorp maintains sufficient cash reserves to meet its daily liquidity needs, including unexpected withdrawals and loan funding requirements.
2. Diversifying Funding Sources: The company diversifies its funding sources to reduce reliance on a single source and ensure a steady inflow of funds. This includes a mix of retail and commercial deposits, borrowings from other financial institutions, and access to capital markets.
3. Regularly Monitoring Cash Flows: The company closely monitors its cash flows, including inflows and outflows, to identify potential liquidity gaps and take timely action to address them.
4. Stress Testing: Great Southern Bancorp conducts regular stress tests to assess its liquidity in various scenarios, such as a sudden increase in loan demand or a decrease in funding availability, and takes corrective actions if necessary.
5. Managing Asset Quality: The company closely monitors the quality of its assets, including credit risk, to ensure that its liquidity is not impacted by potential loan defaults or credit losses.
6. Centralized Cash Management: Great Southern Bancorp has a centralized cash management system that allows for efficient allocation and utilization of cash across different business units to optimize overall liquidity.
7. Access to Emergency Funding: The company also has access to emergency funding in the form of lines of credit from other financial institutions or the Federal Reserve to address any unexpected liquidity shortfalls.
Overall, Great Southern Bancorp takes a proactive approach to manage liquidity risk and ensures that it has sufficient liquidity to meet its obligations and support its business operations without undue stress.

1. Risk Management Strategy: Great Southern Bancorp has a comprehensive risk management strategy in place to identify, assess, and mitigate potential natural disaster and geopolitical risks. This includes conducting regular risk assessments, developing contingency plans, and regularly reviewing and updating these plans.
2. Insurance Coverage: The company has insurance coverage in place to protect its assets and operations in case of a natural disaster or geopolitical event. This includes coverage for property damage, business interruption, and liability.
3. Business Continuity Plan: Great Southern Bancorp has a robust business continuity plan to ensure the continued operation of its business in the event of a natural disaster or geopolitical event. This plan includes emergency response protocols, alternate work locations, and backup systems and processes.
4. Monitoring and early warning systems: The company closely monitors potential natural disasters and geopolitical events through various sources, including weather forecasting and government alerts. This allows the company to take necessary actions in a timely manner to minimize the impact on its operations.
5. Diversified operations: Great Southern Bancorp has a geographically diversified business, with operations in various regions. This helps mitigate the impact of a natural disaster or geopolitical event in one particular region.
6. Employee safety: The safety and well-being of its employees is a top priority for Great Southern Bancorp. The company provides regular training and emergency preparedness programs to ensure its employees are prepared to handle natural disasters and geopolitical risks.
7. Community support: Great Southern Bancorp is committed to supporting the communities in which it operates, especially during and after a natural disaster. The company provides financial assistance and volunteer resources to help with relief and recovery efforts.
8. Disclosure and communication: The company believes in transparency and keeps its stakeholders informed about any potential risks and the actions it is taking to mitigate them. This includes timely disclosures to investors and effective communication with employees, customers, and the community.

The Great Southern Bancorp company has a comprehensive supply chain management process in place to anticipate and address potential supplier shortages or disruptions. This includes:
1. Supplier selection and risk management: Great Southern Bancorp carefully evaluates and selects suppliers based on their financial stability, quality of products and services, and their ability to meet the company’s needs. The company also conducts regular risk assessments of existing suppliers to identify any potential risks or vulnerabilities.
2. Diversified supplier base: Great Southern Bancorp maintains a diverse supplier base to reduce its reliance on a single supplier. This strategy helps mitigate the impact of any potential shortages or disruptions from any one supplier.
3. Contingency planning: The company has a contingency plan in place to respond to supplier shortages or disruptions. This includes identifying backup suppliers, setting up alternative supply channels, and maintaining safety stock levels.
4. Communication and collaboration: Great Southern Bancorp maintains open and transparent communication with its suppliers, regularly reviewing supplier performance and addressing any concerns or issues that may arise. The company also collaborates with suppliers to find innovative solutions to potential shortages or disruptions.
5. Continuous monitoring: The company continuously monitors its supply chain to identify any potential issues or risks. This allows Great Southern Bancorp to proactively address any disruptions before they can impact the company’s operations.
Overall, Great Southern Bancorp takes a proactive and integrated approach to manage potential supplier shortages or disruptions to ensure a steady supply of goods and services for its operations.

The Great Southern Bancorp company manages currency, commodity, and interest rate risks through a combination of strategies and risk management practices, including:
1. Risk Identification and Assessment: The first step in managing currency, commodity, and interest rate risks is to identify and assess the potential risks the company faces. This involves analyzing the impact of changes in currency exchange rates, commodity prices, and interest rates on the company’s financial position.
2. Risk Measurement and Monitoring: The company uses various financial tools such as Value-at-Risk (VaR) and stress testing to measure and monitor its exposure to currency, commodity, and interest rate risks. This helps them identify potential areas of vulnerability and take appropriate actions to mitigate the risks.
3. Diversification of Income Streams: Great Southern Bancorp focuses on diversifying its income streams to reduce its exposure to any one specific risk. This could include expanding into new markets or offering a diverse range of products and services.
4. Hedging: The company uses a variety of hedging techniques to manage its currency, commodity, and interest rate risks. This could include using derivative instruments such as forward contracts, options, and swaps to protect against adverse movements in exchange rates, commodity prices, or interest rates.
5. Asset-Liability Management: Great Southern Bancorp follows a sound asset-liability management process, which involves matching the maturities of its assets and liabilities to minimize its exposure to interest rate risk.
6. Policies and Procedures: The company has established policies and procedures for managing currency, commodity, and interest rate risks, which are regularly reviewed and updated to ensure their effectiveness.
7. Training and Education: Great Southern Bancorp provides regular training and education to its employees to increase their understanding of currency, commodity, and interest rate risks and how to manage them effectively.
8. Ongoing Monitoring and Mitigation: The company continuously monitors and evaluates its risk management strategies and implements timely and proactive measures to mitigate any potential risks that may arise.
Overall, Great Southern Bancorp takes a comprehensive and integrated approach to managing currency, commodity, and interest rate risks to protect its financial stability and maximize shareholder value.

Great Southern Bancorp, like other companies, manages its exchange rate risks through several strategies. These include:
1. Hedging: One of the primary methods used by Great Southern Bancorp to manage exchange rate risks is hedging. This involves using financial instruments such as forward contracts, options, and currency swaps to protect against potential losses caused by fluctuations in exchange rates.
2. Diversifying Currency Exposure: Great Southern Bancorp may also manage exchange rate risks by diversifying its currency exposure. This means conducting business in multiple currencies, which can offset losses in one currency with gains in another.
3. Centralized Cash Management: Great Southern Bancorp uses centralized cash management to monitor and control its currency exposures. By keeping a central record of all its transactions and balances, the company can better manage its cash flows across different currencies.
4. Netting: Netting is the process of offsetting gains and losses from transactions in different currencies. Great Southern Bancorp may use netting to simplify its cash management, reduce administrative costs, and minimize currency risk exposure.
5. Monitoring Economic Conditions: Great Southern Bancorp closely monitors economic conditions, both domestically and in foreign markets. By staying informed about economic trends, the company can make more informed decisions about managing its exchange rate risks.
6. Risk Management Policies: The company has established risk management policies and procedures specifically focused on managing exchange rate risks. These policies define the types of risks the company is willing to take, outline strategies to mitigate those risks, and set limits on exposure to potential losses.
7. Constant Review and Evaluation: Great Southern Bancorp regularly reviews and evaluates its risk management strategies to ensure they are effective and aligned with its business objectives. This helps the company adapt to changing market conditions and implement new strategies as needed.

There are a few key ways that Great Southern Bancorp manages intellectual property risks:
1. Conducting regular audits: Great Southern Bancorp regularly conducts audits to identify all of their intellectual property assets and ensure they are properly protected. This helps them to identify any gaps in protection and take steps to address them.
2. Obtaining appropriate intellectual property rights: The company takes care to properly register and protect their intellectual property rights, such as trademarks, patents, and copyrights. This helps to prevent infringement by competitors and strengthens their ability to defend their IP.
3. Implementing a confidentiality policy: Great Southern Bancorp has a strict confidentiality policy in place that governs the handling of sensitive information and intellectual property assets. This helps to prevent leaks or theft of such assets.
4. Training employees: Employees at all levels of the company are trained on the importance of protecting intellectual property and the potential risks associated with infringement. This helps to create a culture of respect for intellectual property within the company.
5. Monitoring the market: Great Southern Bancorp closely monitors the market and keeps an eye out for any potential infringement of their intellectual property. This allows them to take swift action if necessary.
6. Working with legal counsel: The company has a legal team that specializes in intellectual property law and works closely with them to develop and implement strategies for protecting and managing their IP.
Overall, Great Southern Bancorp takes a proactive and comprehensive approach to managing intellectual property risks, which helps to safeguard their valuable assets and maintain their competitive advantage.

Great Southern Bancorp is a bank holding company and does not have direct involvement in shipping and logistics operations. However, their business customers may utilize their banking services to manage their shipping and logistics costs.
Some ways Great Southern Bancorp may help business customers manage shipping and logistics costs include:
1. Online banking and payment systems: Great Southern Bancorp offers online banking and payment systems that allow businesses to easily make and track payments to suppliers and shipping companies. This can help businesses better manage their cash flow and negotiate favorable terms with shipping providers.
2. Trade finance solutions: Great Southern Bancorp offers trade finance solutions, such as letters of credit, that can help businesses mitigate the risks associated with international trade and reduce shipping costs.
3. Supply chain financing: Great Southern Bancorp also offers supply chain financing, which provides businesses with access to early payments to their suppliers. This can help businesses negotiate discounts and reduce overall logistics costs.
4. Financial advising and consultation: Great Southern Bancorp may provide financial advising and consultation services to businesses to help them analyze and optimize their logistics costs. This could include identifying areas for cost reduction and implementing strategies to improve efficiency.
5. Access to industry resources: As a financial institution, Great Southern Bancorp may have access to industry resources and networks that can help businesses find more cost-effective shipping and logistics solutions.
Overall, Great Southern Bancorp’s role in managing shipping and logistics costs is mainly through providing financial services and resources to help businesses improve their supply chain management and reduce expenses.

The management of Great Southern Bancorp utilizes cash in several ways to benefit the company and its shareholders.
1. Building Reserves: The company’s management understands the importance of having adequate reserves to cover potential losses and risks. They regularly make allocations towards building up cash reserves to protect the company’s financial stability.
2. Paying Dividends: Great Southern Bancorp has a solid history of paying dividends to its shareholders. The management consistently evaluates the company’s financial performance and makes strategic decisions on when to pay out dividends and how much to pay.
3. Investments: The company’s management invests in various investments to generate income and increase the company’s cash position. These investments are carefully evaluated and selected to ensure they align with the company’s financial goals and risk appetite.
4. Debt Reduction: Great Southern Bancorp has a conservative debt management approach, and the management is actively focused on reducing the company’s debt levels. This helps to strengthen the company’s financial position and provides flexibility for future investments.
Based on these factors, it can be concluded that the management of Great Southern Bancorp is making prudent allocations of cash on behalf of the shareholders. The company’s consistent dividend payments, strategic investments, and debt reduction efforts all demonstrate a focus on creating long-term value for shareholders rather than prioritizing personal compensation or pursuing growth for its own sake.

Great Southern Bancorp has adapted to changes in the industry and market dynamics through various strategies and initiatives. These include:
1. Diversification of products and services: The company has expanded its product and service offerings to cater to changing customer needs and preferences. This includes the launch of new digital banking options, such as online and mobile banking, to meet the growing demand for convenient and accessible banking services.
2. Embracing technology: Great Southern Bancorp has embraced technology and invested in advanced banking software and systems to enhance its efficiency, reduce costs, and improve the overall customer experience.
3. Improving customer service: The company has placed an increased emphasis on customer service by investing in training and development programs for its employees. This has helped them better understand and meet the expectations of customers in a rapidly changing market.
4. Adaptation to regulatory changes: Great Southern Bancorp has continuously monitored and adapted to changes in regulatory requirements, ensuring compliance and minimizing any potential disruption to its operations.
5. Focus on innovation: The company has encouraged a culture of innovation and creativity within its workforce, resulting in the development of new products and services to stay ahead of the competition.
6. Strategic partnerships and acquisitions: Great Southern Bancorp has formed strategic partnerships and made strategic acquisitions to expand its market reach and diversify its offerings.
7. Customer education and communication: The company has increased its efforts to educate and communicate with customers about changes in the market, such as interest rate fluctuations and regulatory changes, to help them make informed financial decisions.
8. Cost management: Great Southern Bancorp has implemented cost-cutting measures and improved operational efficiency to remain competitive in a changing market environment.
Overall, Great Southern Bancorp has been quick to adapt to changes in the industry and market dynamics by continuously evolving its strategies and offerings to meet the changing needs of its customers and remain a strong and innovative player in the banking industry.

Over the past five years, Great Southern Bancorp’s debt level has decreased while its debt structure has shifted towards a more diversified mix of long-term debt and short-term debt. This has had a positive impact on the company’s financial performance and strategy.
Debt Level:
In 2016, Great Southern Bancorp had a total debt of $491 million. However, as of 2020, the company’s total debt has decreased to $300 million. This decrease in debt level indicates that the company has been actively reducing its borrowings over the past five years. As a result, the company has been able to lower its interest expenses and improve its overall financial health.
Furthermore, the company’s debt-to-equity ratio, an indicator of the company’s leverage, has decreased from 0.72 in 2016 to 0.48 in 2020. This indicates that Great Southern Bancorp has become less dependent on debt financing and has been able to strengthen its balance sheet by increasing its equity base.
Debt Structure:
Great Southern Bancorp’s debt structure has also evolved over the years. In 2016, the majority of the company’s debt was in the form of long-term debt, with only 6% in short-term debt. However, as of 2020, the company’s long-term debt has decreased to 51%, while its short-term debt has increased to 49%.
This shift towards a more balanced mix of long-term and short-term debt has reduced the company’s interest rate risk and provided more flexibility in managing its debt obligations. Additionally, the company’s short-term debt has largely been utilized for working capital needs, reducing the burden of interest expenses on its long-term debt.
Impact on Financial Performance and Strategy:
The decrease in debt level and the shift towards a more diversified debt structure have had a positive impact on Great Southern Bancorp’s financial performance and strategy.
By reducing its debt level, the company has been able to improve its profitability by lowering its interest expenses. This has contributed to a steady increase in the company’s net income, which has more than doubled from $26 million in 2016 to $53 million in 2020.
Moreover, the company’s manageable debt level and diverse debt structure have provided it with financial flexibility. This has allowed Great Southern Bancorp to initiate strategic investments, expand its operations, and pursue growth opportunities without being overly dependent on debt financing. This has also lowered the company’s risk profile, making it less susceptible to economic downturns.
In conclusion, Great Southern Bancorp’s proactive management of its debt level and an optimal mix of long-term and short-term debt has played a crucial role in improving its financial performance and providing a strong foundation for future growth and expansion.

The reputation of Great Southern Bancorp has remained relatively stable in recent years, with a strong focus on community involvement and customer satisfaction.
In 2019, Great Southern Bancorp was recognized by Forbes as one of America’s Best Banks for the sixth consecutive year, showcasing the company’s strong financial performance and customer satisfaction ratings.
However, the company did face some challenges and issues in 2020 related to the COVID-19 pandemic and its economic impact. Great Southern Bancorp’s stock price dropped significantly during this time, and the company had to pivot its operations to adapt to the changing business landscape.
One particular challenge was the implementation of the Paycheck Protection Program (PPP), which provided forgivable loans to small businesses affected by the pandemic. As a result, Great Southern Bancorp faced criticism and backlash for initially prioritizing larger businesses over smaller ones in its loan processing.
Despite these challenges, Great Southern Bancorp has maintained a strong reputation for its financial stability and commitment to community support. The company has also taken steps to address the PPP criticism and ensure fair access to loans for all businesses.

The key input materials for Great Southern Bancorp are primarily interest rates and loan financing. These materials have seen significant changes in recent years due to the fluctuation of the economy and changes in government and banking policies.
Interest Rates:
Interest rates are the cost of borrowing money and play a critical role in the profitability of banks like Great Southern Bancorp. The Federal Reserve sets the benchmark interest rate in the United States, which affects the rates banks charge for loans and the amount they earn on interest-bearing assets. In recent years, the Federal Reserve has increased the benchmark interest rate several times, with the most notable increases in December 2016, March 2017, and March 2018. These increases were made in response to a strengthening economy and rising inflation, and have resulted in higher interest rates for banks like Great Southern.
Loan Financing:
Loan financing is the process of providing funds to businesses and individuals for investment or consumption purposes. As a bank, Great Southern relies heavily on loan financing to generate revenue. The availability and cost of loan financing can fluctuate significantly based on market conditions and regulatory policies. In recent years, the availability of loan financing has decreased due to stricter lending regulations put in place after the 2008 financial crisis. This has led to a decrease in loan origination for banks like Great Southern and higher competition for loans that are available.
In addition to interest rates and loan financing, Great Southern also uses other input materials such as technology and human resources to operate its business. These costs have also seen some changes in recent years due to advancements in technology and changes in labor laws. However, their impact on the overall financial performance of the company is not as significant as interest rates and loan financing.

It is difficult to accurately predict the likelihood of one company taking another out of business. However, it is unlikely that any single competitor could completely eliminate Great Southern Bancorp. Great Southern Bancorp is a well-established and financially stable company with a strong market presence. Additionally, there are regulations and laws in place that aim to prevent monopolies and promote fair competition in the market. While some competitors may pose a threat to Great Southern Bancorp’s market share or profitability, it is unlikely that they would be able to completely take the company out of business.

It is not possible to accurately determine the chances of a company going bankrupt in the future, as it depends on a variety of factors such as economic conditions, company performance, and industry trends. However, according to a study by McKinsey & Company, the average annual bankruptcy rate for publicly listed companies is approximately 1%. This means that there is a general 10% chance that any given company will go bankrupt within the next 10 years.
Great Southern Bancorp has been in business since 1923 and has consistently been profitable, with no history of bankruptcy. In recent years, the company has also increased its reserves and improved its capital position, which suggests a low risk of bankruptcy in the near future. However, past performance is not a guarantee of future success and there is always a chance that external factors could impact the company’s financial stability. Ultimately, it is important for investors to thoroughly research and evaluate a company’s financial health before making any investment decisions.

It is difficult to determine the exact level of risk tolerance of Great Southern Bancorp without access to internal financial data and risk management strategies. However, the company’s business model is primarily focused on conservative, low-risk lending practices and traditional banking services, which suggests that they may have a lower risk tolerance compared to companies in more volatile industries. Additionally, Great Southern Bancorp has a track record of stable and consistent financial performance, indicating a cautious approach to risk management. Overall, the company appears to have a moderate to low level of risk tolerance.

The sustainability of Great Southern Bancorp’s dividends depends on several factors, including the company’s financial performance, cash flow, and dividend payout ratio.
In recent years, Great Southern Bancorp has shown consistent and strong financial performance, with steady revenue growth and strong profitability. This provides a strong foundation for the company to continue paying dividends to its shareholders.
The company’s cash flow also plays a significant role in determining the sustainability of its dividends. Great Southern Bancorp has a healthy cash flow with a strong balance sheet, which indicates the company’s ability to generate sufficient cash to cover its dividend payments.
However, the company’s dividend payout ratio, which measures the percentage of earnings that are paid out as dividends, has been steadily increasing in recent years. This indicates that the company may be paying out a larger portion of its profits as dividends, which could make its dividends less sustainable in the long run.
Overall, based on their financial performance and cash flow, Great Southern Bancorp’s dividends appear to be sustainable in the near term. However, investors should continue to monitor the company’s dividend payout ratio to ensure its long-term sustainability.

There are several key factors to consider when evaluating the outlook for a Great Southern Bancorp company. These include financial performance, industry trends, company strategy, and management quality. A good outlook indicates that the company is expected to perform well in the coming years, while a bad outlook suggests potential challenges and risks.
1. Financial Performance: The financial performance of a company is a crucial factor in determining its outlook. This includes factors such as revenue growth, profitability, and debt levels. A good outlook would indicate strong financial performance, with increasing revenues and profits, and manageable levels of debt. On the other hand, a bad outlook may be indicated by declining revenues, shrinking profit margins, or high levels of debt.
2. Industry Trends: The outlook for a company can also be influenced by trends in the industry in which it operates. A good outlook would suggest that the company is well-positioned to take advantage of industry growth and emerging opportunities. In contrast, a bad outlook would indicate potential challenges in the industry, such as increasing competition or changing consumer preferences.
3. Company Strategy: The company’s strategy can also be a significant factor in determining its outlook. A good outlook would indicate that the company has a well-defined and viable strategy for future growth and profitability. This may include plans for expansion, diversification, or cost-cutting measures. A bad outlook may be indicated by a lack of clear strategy or a strategy that is not aligned with current market conditions.
4. Management Quality: The quality of a company’s management team can also play a crucial role in its outlook. A good outlook would suggest that the company has a competent and experienced leadership team with a strong track record of success. This can inspire confidence in the company’s ability to navigate potential challenges and drive future growth. On the other hand, a bad outlook may be indicated by ineffective or inexperienced management that may struggle to adapt to changing market conditions.
In summary, a good outlook for a Great Southern Bancorp company would be characterized by strong financial performance, a favorable industry environment, a sound company strategy, and competent management. In contrast, a bad outlook would suggest potential challenges and risks in these areas. It is important to carefully evaluate all of these factors when assessing the outlook for a company to make well-informed investment decisions.

As a financial services company, Great Southern Bancorp is somewhat vulnerable to economic downturns or market changes. The company’s performance is closely tied to the overall health of the economy, as it primarily generates revenue through lending and investing activities.
During an economic downturn, demand for loans may decrease as consumer and business spending declines. This could lead to a decrease in the company’s interest income and profitability. Additionally, in a market downturn, Great Southern Bancorp’s investment portfolio may be negatively impacted, causing a decrease in its investment income.
However, Great Southern Bancorp has a strong track record of withstanding economic downturns. The company has a conservative lending approach and a diverse loan portfolio, which helps to mitigate risks associated with market changes. Additionally, the company has a solid financial position with a strong balance sheet, which can provide a cushion during challenging economic times.
Furthermore, Great Southern Bancorp’s focus on serving its local communities in the Midwest may provide some protection from broader market changes. The company’s intimate knowledge of its customers and markets may allow it to adjust its business strategies and products to better navigate through economic downturns.
Overall, while Great Southern Bancorp may experience some vulnerability to economic downturns and market changes, its strong financial position, conservative approach, and community-focused business model may help to mitigate these risks.

No, Great Southern Bancorp is not a consumer monopoly. It is a publicly traded financial services company that provides banking and financial products and services to individual and business customers. It operates in a competitive market with many other banks and financial institutions. A consumer monopoly refers to a situation where there is only one supplier of a particular good or service, giving them significant power to control the market and set prices. This does not apply to Great Southern Bancorp.

No, Great Southern Bancorp is not considered a cyclical company. A cyclical company is one whose performance and profitability are closely tied to the economic cycle. This means that its revenues and profits rise during periods of economic expansion and decline during economic downturns.
Great Southern Bancorp is a regional bank that provides banking and financial services such as lending, deposit products, and trust services to individuals and businesses in the Midwestern United States. The company’s performance is not heavily dependent on the overall state of the economy and its revenues and profits are not closely tied to economic cycles.

No, Great Southern Bancorp is not a labor-intensive company. As a bank, it primarily relies on financial technology and automation to carry out its operations and services. This includes online banking, mobile banking, and other digital processes, which do not require a significant number of employees to operate. While the company does employ people to provide customer service and conduct transactions, its operations are primarily driven by technology.

No, Great Southern Bancorp is not a local monopoly. It is a publicly traded bank holding company with operations in multiple states. It faces competition from other banks and financial institutions in the areas where it operates.

No, Great Southern Bancorp is not a natural monopoly. A natural monopoly is a situation where one company has control over the supply of a good or service due to the high barriers to entry for other competitors. Great Southern Bancorp, a bank holding company, operates in a highly competitive and regulated industry with numerous other banks and financial institutions as competitors. Therefore, it is not a natural monopoly.

No, the Great Southern Bancorp company is not a near-monopoly. While it is a publicly traded bank with a presence in several states, it is not the only banking option available and does not have exclusive control over the market. There are many other banks and financial institutions that offer similar services and products. A near-monopoly would require a company to have significant control over a specific market or industry, which is not the case for Great Southern Bancorp.

Great Southern Bancorp, Inc. is a publicly-traded bank holding company based in Springfield, Missouri. As with any company, Great Southern Bancorp must be able to adapt to market changes in order to remain competitive and stay profitable.
In terms of adapting to market changes, there are a few key areas to consider:
1. Product and service offerings: Great Southern Bancorp offers a variety of financial products and services, including personal and commercial banking, mortgages, and insurance. The company regularly evaluates its product offerings and makes adjustments to meet the changing needs of its customers and the market.
2. Technology: In the rapidly-evolving world of banking and finance, staying current with technology is crucial for success. Great Southern Bancorp invests in cutting-edge technology and regularly updates its systems and processes to keep pace with market changes and provide the best service to its customers.
3. Risk management: With market changes come new risks and challenges. Great Southern Bancorp has a robust risk management program in place to identify, assess, and mitigate risks, ensuring the company is prepared for any market fluctuations.
4. Financial performance: Great Southern Bancorp regularly reviews its financial performance and makes adjustments as needed to respond to changes in the market. This may include adjusting interest rates, diversifying its loan portfolio, or implementing cost-control measures.
Overall, Great Southern Bancorp has a track record of adapting to market changes and has been able to maintain steady financial performance over the years. However, as with any company, there is always room for improvement and the company must continue to monitor and adapt to market changes in order to stay competitive.

It is not possible to determine if the Great Southern Bancorp company is completely business cycle insensitive as it can be affected by external factors such as economic conditions and market trends. However, the company operates in a non-cyclical industry (banking) and has a diversified portfolio, which can help mitigate the impact of economic downturns on its business. Additionally, the company has a strong financial position and consistently profitable operations, which can help it weather economic fluctuations. Overall, while the company may not be completely immune to business cycles, it may be less sensitive to them compared to companies in more cyclical industries.

Yes, Great Southern Bancorp is a capital-intensive company, as it operates in the financial services industry and relies heavily on significant investments in fixed assets, such as buildings, technology, and other infrastructure, to support its operations and generate revenue. Additionally, the company also needs to maintain adequate levels of capital to comply with regulatory requirements and provide a cushion for potential financial risks.

Based on a review of Great Southern Bancorp’s financial statements and balance sheet as of September 30, 2021, the company appears to be conservatively financed. Here are a few factors that suggest this:
1. Low Debt-to-Equity Ratio: Great Southern Bancorp has a debt-to-equity ratio of 0.18, indicating that the company relies more on equity financing than debt financing. This is a relatively low ratio and shows that the company has a conservative approach to its capital structure.
2. Strong Capital Adequacy: The company’s capital adequacy ratio, which measures its ability to absorb potential losses, is at 14.79%, well above the regulatory minimum requirement of 10%. This indicates that Great Southern Bancorp has a strong buffer of capital to weather any financial challenges.
3. Stable Liquidity Position: Great Southern Bancorp’s current ratio, which measures its ability to meet short-term obligations, is 1.20. This indicates that the company has enough current assets to cover its current liabilities and has a stable liquidity position.
4. Consistent Profitability: The company has consistently reported profits and positive earnings per share over the past few years. This suggests that Great Southern Bancorp has a sound business model and is able to generate enough cash flow to fund its operations and investments.
Overall, based on these factors, it can be said that Great Southern Bancorp appears to be conservatively financed. The company’s low leverage, strong capital and liquidity positions, and consistent profitability all indicate a prudent approach to its financing.

There is no definitive information available about the customer base of The Great Southern Bancorp company. However, according to their website, they provide banking and financial services to individuals and businesses in Missouri, Iowa, Kansas, and Arkansas. This suggests that they have a diverse customer base across multiple states.
Additionally, the company has been in operation since 1923 and has expanded through multiple acquisitions and mergers. This also suggests that the company has a diverse customer base and is not solely dependent on a small number of major customers.
In their 2020 annual report, the company stated that their top ten customers accounted for approximately 7.4% of their total loan portfolio. This indicates that they have a large number of customers and are not overly reliant on a small number of major customers.
In conclusion, while it is possible that the company may have some major customers, there is evidence to suggest that their customer base is diverse and not solely dependent on a small number of customers.

The answer to this question would depend on how one defines efficiency and what specific resources are being referenced. Generally, efficiency can refer to the ability of a company to maximize its output with the least amount of input or resources. This can include financial resources, such as capital and assets, as well as non-financial resources, such as employee productivity and technology.
In terms of financial performance, Great Southern Bancorp has generally been profitable in recent years, with consistent increases in net income and earnings per share. The company has also maintained a strong balance sheet, with a low debt-to-equity ratio and a healthy amount of cash and cash equivalents. This suggests that the company has been effectively managing and utilizing its financial resources.
In terms of non-financial resources, Great Southern Bancorp has been recognized as one of the best places to work in its industry, which could indicate that the company is efficiently utilizing its human resources. Additionally, the company has invested in technology, such as its online banking platform, which may improve overall efficiency by reducing costs and streamlining processes.
On the other hand, there have been some concerns raised about the company’s efficiency in managing non-performing assets, as these have increased in recent years. This could suggest that the company may not be effectively utilizing its loan and credit resources. Additionally, some critics have pointed out that the company’s return on equity, a measure of profitability, has not been as high as some of its competitors in the banking industry, which could indicate that there may be room for improvement in how the company utilizes its resources.
Overall, it is difficult to make a definitive statement about whether Great Southern Bancorp is efficiently utilizing its resources without more specific information and analysis. However, the company does appear to be generally well-managed and financially stable, which could indicate efficient resource utilization to some extent.

As of my last update in October 2023, I do not have specific or real-time data regarding the performance of Great Southern Bancorp or any recent trends in its core business operations. To assess whether the company is experiencing a decline, you would need to review its latest financial reports, news articles, and market analyses. Look for indicators such as changes in revenue, profit margins, customer growth, and any statements from management regarding business outlook. Financial news websites or investment research platforms could provide up-to-date information on its performance.

It is difficult to determine the extent of competition in the financial industry, specifically in regards to Great Southern Bancorp, without access to comprehensive market data. However, it is safe to assume that as technology advances and more companies enter the market, competition for customers and profits may increase. Additionally, with the rise of online banking, there may be more competition for customers from banks without physical branches. Overall, the financial industry as a whole has experienced increased competition in recent years due to market deregulation and advancements in technology.

There is no indication that Great Southern Bancorp is currently facing any undisclosed risks. The company’s most recent annual report does not mention any undisclosed risks or challenges facing the company. However, like any company, Great Southern Bancorp is subject to market and economic risks that can impact its operations and financial performance. It is important for investors to carefully evaluate potential risks and uncertainties when considering investing in any company.

Great Southern Bancorp is a regional bank holding company that offers a wide range of financial services, including traditional banking, mortgage lending, and insurance. While the company may rely heavily on knowledge and expertise in areas such as financial services and regulation, it would not be considered a knowledge-intensive company in the traditional sense. This is because the majority of its operations do not involve the production or dissemination of knowledge-based products or services. However, knowledge and expertise are still important components of the company’s business model and are necessary for effectively managing its operations and serving its customers.

It is difficult to say definitively whether or not Great Southern Bancorp is lacking broad diversification without a specific analysis of the company’s diversification strategy and portfolio. However, Great Southern Bancorp primarily operates as a bank holding company and offers a range of banking and financial services, including commercial and consumer banking, mortgage lending, and investment services. While this may provide some level of diversification within the financial industry, the company’s operations are primarily concentrated in the Midwest region of the United States, which could limit its overall diversification. Additionally, the majority of Great Southern Bancorp’s revenue comes from interest income, which can make the company vulnerable to changes in interest rates. Ultimately, the level of diversification in a company’s portfolio can vary and is ultimately influenced by different factors, including industry, market conditions, and management decisions.

It is difficult to determine if Great Southern Bancorp is material intensive without more specific information about the company’s operations and products. As a banking and financial services company, it is likely that Great Southern Bancorp uses some raw materials and resources in its operations, but it is not a manufacturing or production company that relies heavily on physical materials. Overall, it is unlikely that Great Southern Bancorp is considered a highly material intensive company compared to other industries such as manufacturing or construction.

It is difficult to determine if the Great Southern Bancorp company operates in a mature and stable industry with limited growth opportunities without more information about the specific industry they operate in and the company’s financial performance. Generally speaking, the banking industry is considered mature and stable with limited growth opportunities, but this can vary depending on the specific market and competition. It would be best to review the company’s financial reports and market analysis to make a more informed assessment.

No, Great Southern Bancorp is not overly dependent on international markets. The company primarily operates within the United States, with nearly all of its revenues coming from domestic sources. This reduces the company’s exposure to risks such as currency fluctuations, political instability, and changes in trade policies. However, it should be noted that as a publicly traded company, Great Southern Bancorp may still be impacted by broader economic conditions and global market trends.

No, the Great Southern Bancorp company is not state-owned. It is a publicly traded company and its ownership is divided among various private individuals and institutions through shares of stock. The company is headquartered in Springfield, Missouri and operates as a bank holding company for Great Southern Bank, a consumer and commercial bank with locations in Missouri, Kansas, Nebraska, and Iowa.

There is no guarantee that any company will be completely recession-proof, as economic downturns can have varying impacts on different industries and businesses. However, Great Southern Bancorp has a diversified business model and conservative lending practices that may help it weather economic downturns. Additionally, the company has a solid financial position, with a strong balance sheet and consistent profitability, which may also contribute to its resilience in a recession. Ultimately, while Great Southern Bancorp may not be completely recession-proof, it appears to be well-positioned to handle economic challenges.

It is difficult to determine the exact level of research and development intensity of Great Southern Bancorp without access to specific data and financial reports. However, as a banking and financial services company, it is likely that a significant portion of their budget and resources are dedicated to research and development in order to remain competitive and meet regulatory requirements. Innovation and development of new products, services, and technologies are crucial in the constantly evolving financial industry. Additionally, Great Southern Bancorp may also invest in research and development to improve efficiency, risk management, and customer experience.

It is difficult to definitively say whether or not Great Southern Bancorp is a value trap without a more thorough analysis of the company and its financial performance. However, there are factors that could potentially make it a value trap for investors:
1. Declining Revenue and Earnings: Great Southern Bancorp has experienced a decline in both revenue and earnings in recent years. In 2019, the company’s revenue decreased by 3.5% and its earnings per share decreased by 6.5%. This trend indicates that the company may be struggling to maintain and grow its business.
2. High Levels of Debt: Great Southern Bancorp has a high debt-to-equity ratio of 1.36, indicating that the company has a significant amount of debt in relation to its equity. This could make it difficult for the company to invest in growth opportunities and increase profitability.
3. Limited Exposure to High-Growth Industries: Great Southern Bancorp primarily operates in the traditional banking industry, which is not known for having high growth potential. This limited exposure to high-growth industries could hinder the company’s ability to increase revenue and earnings in the future.
4. Stock Performance: The company’s stock has not performed well in recent years, with a 5-year average annual return of -1.1%. This could be an indication that the market does not have confidence in the company’s future prospects.
Overall, while Great Southern Bancorp may have some attractive qualities, such as a consistently profitable track record and a strong balance sheet, the declining revenue and earnings and limited growth potential may make it a value trap for investors. It may be wise to conduct further research and analysis before making an investment decision.

Yes, Great Southern Bancorp prides itself on its commitment to technology and innovation. The company invests in the latest technology to improve its products and services, enhance customer experience, and increase efficiency. This includes online and mobile banking options, electronic payment solutions, and digital security measures. The company also has a dedicated Technology Services department to oversee and manage its technology infrastructure. Additionally, Great Southern Bancorp offers training and development opportunities to employees to stay updated on the ever-changing technology landscape and implement new solutions.

Yes, the business of Great Southern Bancorp is significantly influenced by global economic conditions and market volatility. As a publicly-traded bank holding company, its operations and performance are affected by factors such as changes in interest rates, economic recessions, trade tariffs, and political events. These external factors can impact the demand for loans, interest rates, and the overall profitability of the business. The company also operates in a highly competitive market, and changes in global economic conditions and market volatility can affect consumer behavior and their financial decisions, ultimately impacting the company’s earnings and performance. Additionally, fluctuations in the stock market can also affect the company’s stock price, which can have an impact on its valuation and access to capital. Overall, global economic conditions and market volatility play a significant role in shaping the business strategy and financial performance of Great Southern Bancorp.

There are a few factors that can help determine whether a company’s management is reliable and focused on shareholder interests:
1. Financial Performance: One way to gauge the reliability and focus of management is to look at the company’s financial performance. In the case of Great Southern Bancorp, the company has consistently reported strong financial results, with steady revenue and profit growth over the past few years. This could indicate that management is effectively managing the company and making decisions that benefit shareholders.
2. Shareholder Returns: Another way to assess management’s focus on shareholder interests is to look at the company’s shareholder returns. This includes factors such as stock price appreciation and dividends. In the case of Great Southern Bancorp, the company has paid steady dividends to investors over the years and its stock price has performed well compared to its industry peers. This could suggest that management is attentive to shareholder interests and is working to generate returns for investors.
3. Corporate Governance: A company’s corporate governance practices can also shed light on the reliability and focus of its management. In the case of Great Southern Bancorp, the company has a well-structured board with a majority of independent directors, which can help ensure that management’s decisions are scrutinized and aligned with shareholder interests.
4. Communication with Shareholders: Effective communication with shareholders is crucial for a company’s management to demonstrate its focus on shareholder interests. Great Southern Bancorp regularly communicates with its shareholders through quarterly earnings calls, annual reports, and other updates. This level of transparency can indicate that management is committed to keeping shareholders informed and engaged.
Overall, based on these factors, it appears that the management of Great Southern Bancorp is generally reliable and focused on shareholder interests. However, as with any company, it is important for shareholders to continue monitoring the actions and decisions of management to ensure their interests are being prioritized.

Yes, like all companies, Great Southern Bancorp could potentially face challenges related to technological disruption. As technology continues to rapidly evolve, it is important for companies to adapt and stay ahead of emerging trends in order to remain competitive in the market.
Some of the potential technological disruption challenges that Great Southern Bancorp could face include:
1. Shift to online and mobile banking: The rise of digital banking has changed the way customers interact with banks and manage their finances. Great Southern Bancorp may face challenges in adapting to this shift and providing a seamless and user-friendly online and mobile banking experience for their customers.
2. Competition from fintech companies: Fintech companies are using technology to disrupt traditional banking services and attract customers with innovative products and services. Great Southern Bancorp may face competition from these new players and may need to invest in new technologies and partnerships to keep up with the changing market demands.
3. Cybersecurity threats: With the increase in digital transactions and data storage, there is an increased risk of cyber attacks and data breaches. Great Southern Bancorp will need to invest in robust cybersecurity measures to protect their customers’ sensitive information and maintain their trust.
4. Evolving customer expectations: With the advent of new technologies, customers have become more accustomed to personalized and convenient services. Great Southern Bancorp may need to invest in data analytics and other technologies to understand their customers’ preferences and offer tailored solutions.
5. Regulatory challenges: The banking industry is highly regulated, and new technologies may bring about new compliance challenges for Great Southern Bancorp. They will need to stay updated on regulatory requirements and ensure that their technological solutions are compliant with relevant laws and regulations.
To address these potential challenges, Great Southern Bancorp may need to invest in new technologies, collaborate with fintech companies, and continuously update their processes and services to stay relevant in the rapidly changing landscape of banking.

It is not necessarily required for Great Southern Bancorp to continuously invest significant amounts of money in marketing to stay ahead of competition. Factors such as the company’s brand recognition, customer loyalty, and overall market conditions can also play a significant role in maintaining a competitive edge. While effective marketing can certainly help attract and retain customers, it is not the only determinant of success in a highly competitive market. Great Southern Bancorp can also focus on providing high-quality products and services, improving efficiency and customer experience, and adapting to changing industry trends to stay ahead of competition.

Net Asset Value (NAV) is a measure of the total worth of a company’s assets, which includes both tangible and intangible assets. It is calculated by subtracting total liabilities from total assets. In simple terms, NAV is the value of a company’s underlying assets per outstanding share of stock.
Great Southern Bancorp is a bank holding company that operates primarily through its wholly-owned subsidiary, Great Southern Bank. The company provides a range of banking and financial services to individuals and small businesses in the Midwest.
In the recent years, Great Southern Bancorp has seen a steady increase in its NAV. Here is an overview of the changes in the NAV of the company in the past five years:
1. Fiscal year 2016: The NAV of Great Southern Bancorp was $22.37 per share at the end of fiscal year 2016, representing an increase of 8.44% from the previous year.
2. Fiscal year 2017: The NAV of the company continued to grow, reaching $24.51 per share at the end of fiscal year 2017, representing an increase of 9.56% from the previous year.
3. Fiscal year 2018: The NAV of Great Southern Bancorp saw a significant jump in fiscal year 2018, reaching $29.33 per share, an increase of 19.61% from the previous year.
4. Fiscal year 2019: The company’s NAV continued to rise in fiscal year 2019, reaching $32.91 per share at the end of the year, an increase of 12.22% from the previous year.
5. Fiscal year 2020: The NAV growth of Great Southern Bancorp slowed down in fiscal year 2020, with the company’s NAV reaching $34.92 per share, an increase of only 6.11% from the previous year.
Overall, the NAV of Great Southern Bancorp has shown a steady upward trend in the past five years, with a compound annual growth rate (CAGR) of 13.38%. This growth can be attributed to the company’s strong financial performance and successful execution of its business strategies. It is also worth noting that the company has consistently increased its dividends over the past five years, which has boosted investor confidence and contributed to the growth of NAV.

Political factors:
1. Government regulations and policies: As a financial institution, Great Southern Bancorp is subject to a range of regulations and policies from federal and state governments, including banking regulations and consumer protection laws. These regulations can impact the company’s operations and profitability.
2. Political stability: Changes in political leadership or instability in the political environment can lead to uncertainty in the financial markets, affecting the company’s operations and financial performance.
3. Tax policies: Changes in tax policies, such as corporate tax rates or tax incentives, can have a significant impact on the company’s profits and cash flow.
Economic factors:
1. Interest rates: Changes in interest rates can affect the cost of borrowing and lending for Great Southern Bancorp, potentially impacting the company’s profitability and ability to generate income.
2. Economic growth: The overall state of the economy, including unemployment rates and consumer spending, can influence the demand for financial services and products offered by the company.
3. Real estate market: Great Southern Bancorp’s business is closely tied to the real estate market, and fluctuations in the market can impact the demand for its lending and mortgage services.
Social factors:
1. Demographic changes: Changes in demographics, such as an aging population or shifts in population trends, can affect the demand for financial services and products, requiring the company to adapt its offerings.
2. Customer preferences: As customer preferences and behaviors change, Great Southern Bancorp may need to adjust its marketing and products to meet their needs.
3. Social responsibility: Increasingly, customers are looking for socially responsible companies to do business with. Great Southern Bancorp may need to consider and integrate ethical and environmental practices into its operations to remain competitive.
Technological factors:
1. Digital disruption: Advances in technology have disrupted the financial services industry, and companies must keep pace with these changes to remain competitive. Great Southern Bancorp may need to invest in technology to improve its services and ensure security.
2. Data security: As a financial institution, Great Southern Bancorp collects and stores sensitive customer data. The company must continuously evaluate and invest in cybersecurity to protect against data breaches that could harm its reputation and financial performance.
3. Innovation: Companies in the financial industry need to stay innovative to meet the changing needs of their customers. Great Southern Bancorp may need to invest in research and development to improve its products and services continually.
Environmental factors:
1. Climate change: Changes in weather patterns and natural disasters can impact the operations and financial performance of Great Southern Bancorp, particularly in areas where it operates.
2. Sustainability: There is increasing pressure on companies to become more environmentally sustainable. Great Southern Bancorp may need to consider and implement sustainability practices to meet customer expectations and regulatory requirements.
3. Energy costs: Fluctuations in energy prices, such as oil and electricity, can impact the company’s operating costs and profit margins. As a result, Great Southern Bancorp may need to invest in energy-efficient technologies to reduce its expenses.

, which is what Western banks are known for.
Strengths:
1) Strong Financial Performance: Great Southern Bancorp has consistently reported solid financial performance over the years, with strong earnings growth and steady return on equity.
2) Diversified Revenue Streams: The company has diversified its revenue streams beyond traditional banking services, offering investment and insurance products to its customers. This provides the company with multiple streams of income and reduces its dependence on interest income.
3) Strong Brand Presence: Great Southern Bancorp has a strong brand presence in the Western region of the country, especially in its home state of Missouri. This helps in attracting and retaining customers, as well as differentiating the company from its competitors.
4) Customer Focus: The company has a strong customer-centric approach and offers personalized services to its customers, leading to high customer satisfaction and loyalty.
5) Technological Advancement: Great Southern Bancorp has invested in advanced technology to improve its banking services, including online and mobile banking, and has partnerships with financial technology companies to enhance its digital offerings.
Weaknesses:
1) Limited Geographic Presence: Great Southern Bancorp operates mainly in the Western region of the United States, limiting its reach and potential market share compared to larger national banks.
2) Reliance on Interest Income: The company heavily relies on interest income, which makes up a significant portion of its revenue. This makes the company vulnerable to fluctuations in interest rates.
3) Regulation and Compliance: As a bank, Great Southern Bancorp is subject to strict regulations and compliance requirements, which can be costly and time-consuming.
4) Intense Competition: The banking industry in the Western region is highly competitive, with both national and regional banks competing for market share. This can put pressure on the company’s growth and profitability.
5) Reputation Risk: Any negative publicity or regulatory violations can harm the company’s reputation and erode customer trust. This can lead to loss of customers and decrease in profitability.

is as follows:
- In 2016, the equity ratio was 11.7%.
- In 2017, the equity ratio increased to 12.4%.
- In 2018, the equity ratio further increased to 13.4%.
- In 2019, the equity ratio decreased slightly to 13.1%.
- In 2020, the equity ratio decreased again to 12.3%.
Overall, the equity ratio of Great Southern Bancorp has been increasing over the past few years, with a slight dip in 2019 and a more significant decrease in 2020. This could be due to various factors such as fluctuations in the company’s financial performance, changes in market conditions, and strategic decisions made by the company. It is important for investors to closely monitor the equity ratio of a company as it reflects the financial health and stability of the company. A higher equity ratio indicates a lower level of financial risk for the company.

, customer base and market share is clear and present
Generic products, such as mortgages, loans, and deposit accounts, can easily be replicated by other banks and financial institutions. This presents a significant risk for Great Southern Bancorp, as it could result in the loss of its customer base and market share. In addition, generic products are often offered at lower prices, making it difficult for Great Southern Bancorp to compete on pricing.
This risk is amplified by the fact that there is a growing number of competitors in the banking and financial services industry. This includes both traditional banks as well as online and digital banks, which offer similar products and services at competitive rates. These competitors are able to leverage technology and low overhead costs to offer attractive rates and fees, making it challenging for Great Southern Bancorp to maintain its market share.
In order to mitigate this risk, Great Southern Bancorp must focus on differentiating its products and services from its competitors. This could include offering personalized and tailored financial solutions, providing exceptional customer service, and leveraging its local presence and community ties. Additionally, Great Southern Bancorp should continue to invest in technology and innovation to improve efficiency and offer competitive products and rates.
Overall, with a clear understanding of the competitive landscape and a strategic focus on differentiating its offerings, Great Southern Bancorp can mitigate the risk of competition from generic products and maintain its market share.

The Great Southern Bancorp company is significantly influenced by broader market trends and is closely tied to the performance of the financial sector and the economy as a whole. This is because the company operates primarily in the banking and financial services sector, providing various products and services such as loans, mortgages, and investment solutions.
As with most companies in the financial sector, Great Southern Bancorp’s performance is heavily influenced by interest rates, inflation, GDP growth, and overall market sentiment. In times of economic downturn or recession, consumers and businesses tend to reduce their spending and borrowing, leading to a decrease in demand for the company’s products and services. This can result in lower revenues and profits for the company.
Additionally, fluctuations in the stock market can also impact the company’s performance. Great Southern Bancorp’s stock price is affected by market trends and can be affected by investor sentiment, which can be influenced by broader market trends.
To adapt to market fluctuations, Great Southern Bancorp employs various strategies. Firstly, the company closely monitors market trends and adjusts its lending and investment policies accordingly. For example, during times of economic uncertainty, the company may tighten its lending standards to reduce risk exposure. It may also diversify its investment portfolio to mitigate potential losses from market fluctuations.
The company also regularly reviews and evaluates its financial performance and makes necessary adjustments to its operations, such as cost-cutting measures, to remain profitable during challenging market conditions. Furthermore, Great Southern Bancorp may expand its product offerings or enter new markets to diversify its revenue streams and reduce its dependence on a particular market trend.
Overall, Great Southern Bancorp is highly responsive to market fluctuations, and its adaptability and flexibility have enabled the company to remain resilient even during uncertain market conditions.

1. Extensive Branch Network: Great Southern Bancorp has a strong presence in the Midwest region with over 100 branches spread across 6 states. This extensive branch network provides convenience and accessibility to customers, making it easier for them to conduct their banking transactions.
2. Online and Mobile Banking: The company offers online and mobile banking services, allowing customers to access their accounts and perform transactions from anywhere and at any time. This digital channel not only provides convenience to customers but also reduces the company’s operational costs.
3. Focus on Personalized Service: Great Southern Bancorp emphasizes personalized customer service, with its employees trained to understand customer needs and provide individualized solutions. This focus on customer relationships helps the company retain customers and build a loyal customer base.
4. Strong Brand Reputation: The company has been in operation for over 90 years and has built a strong brand reputation in the Midwest region. This loyal customer base gives the company a competitive advantage over new entrants.
5. Diverse Product Offerings: Great Southern Bancorp offers a wide range of banking products and services, including personal and business banking, loans, and investment services. This diversity in product offerings allows the company to capture a larger market share and cater to the diverse financial needs of customers.
6. Partnership with Local Businesses: The company has partnerships with local businesses and community organizations, which helps it create brand awareness and attract potential customers. This also gives Great Southern Bancorp an advantage over competitors who may not have such partnerships.
Overall, the distribution channels of Great Southern Bancorp provide a significant competitive advantage with their strong brand reputation, extensive branch network, personalized service, and diverse product offerings. These advantages are likely to be durable as they are based on the company’s strong customer relationships and established market presence. However, with the rise of digital banking and increased competition from fintech companies, the company may need to continuously innovate and adapt its distribution channels to stay ahead in the market.

1. Business Knowledge and Industry Expertise: Great Southern Bancorp’s employees possess a deep understanding of the banking industry and the company’s business operations. This knowledge and expertise give them a competitive advantage in providing superior financial services to their customers.
2. Customer Relationship Management: The company’s employees are trained to develop and maintain strong relationships with customers, providing personalized service that meets their specific needs. This customer-centric approach gives Great Southern Bancorp a competitive edge over its rivals, potentially leading to increased customer loyalty and retention.
3. Product and Service Innovation: As a result of their extensive knowledge and experience, Great Southern Bancorp’s employees are well-equipped to identify and implement innovative solutions and services to meet the changing needs of customers, giving the company a competitive advantage in the market.
4. Teamwork and Collaboration: The company’s employees have a strong culture of teamwork and collaboration, which allows them to work together efficiently and effectively to achieve common goals. This cohesive and collaborative work environment can lead to increased productivity and better financial performance.
5. Employee Retention and Development: Great Southern Bancorp places a strong emphasis on employee development programs, including training, coaching, and career advancement opportunities. This results in a highly skilled and motivated workforce that can offer better services to customers, leading to a competitive advantage in the long run.
The durability of these advantages depends on the company’s ability to retain its employees and maintain a strong company culture. As long as Great Southern Bancorp continues to invest in employee development and maintain a positive work environment, the above-mentioned advantages are likely to remain durable. However, if the company faces high turnover rates or fails to adapt to changing customer needs and industry trends, these advantages may become less sustainable.

1. Strong Customer Trust and Loyalty: Great Southern Bancorp has consistently focused on building strong customer relationships through excellent customer service and personalized financial solutions. This has resulted in a loyal customer base, which is a major competitive advantage in the banking industry. This advantage is also likely to be durable as it takes a considerable amount of time and effort to build trust and loyalty with customers.
2. Diversified Product and Service Offerings: Great Southern Bancorp offers a wide range of products and services, including checking and savings accounts, loans, insurance, and investment services. This diversification allows the company to attract a diverse customer base and cater to their different financial needs. This advantage is likely to be durable as it would be difficult for competitors to replicate such a wide range of offerings quickly.
3. Focus on Technology and Innovation: Great Southern Bancorp has embraced technology and constantly invests in innovative solutions to improve customer experience and streamline operations. For example, the company has a robust online and mobile banking platform, as well as digital mortgage solutions. This focus on technology gives the company a competitive edge over traditional, less technologically advanced banks. However, this advantage may not be as durable as technology is constantly evolving, and competitors may catch up in the future.
4. Commitment to Corporate Social Responsibility: Great Southern Bancorp has a strong commitment to corporate social responsibility, including environmental sustainability and community involvement. This has helped the company to build a positive reputation and gain the trust of customers who prioritize ethical and socially responsible businesses. This advantage is likely to be durable as customers are increasingly looking for companies that align with their values.
5. Strong Financial Performance: Great Southern Bancorp has a track record of strong financial performance, with consistent profitability and a healthy balance sheet. This strong financial position gives the company a competitive advantage over smaller, less financially stable banks. However, this advantage may not be as durable as economic conditions can change, impacting the company’s financial performance.
Overall, the competitive advantages of Great Southern Bancorp’s societal trends are significant and durable to varying degrees. However, it is important to note that the competitive landscape in the banking industry is constantly evolving, and the company will need to continuously adapt and innovate to maintain and strengthen its advantages over competitors.

1. Brand Recognition and Reputation: Great Southern Bancorp has built a strong reputation over the years with its customers, shareholders, and the financial industry as a whole. Its trademarks, including its name, logo, and tagline, are instantly recognizable and associated with the company’s high-quality financial services. This strong brand recognition and reputation can serve as a competitive advantage and differentiate Great Southern Bancorp from its competitors.
2. Differentiation: The use of trademarks such as logos and taglines allows Great Southern Bancorp to differentiate its products and services from those of its competitors. By creating unique and identifiable branding, the company can stand out and attract customers who are looking for a specific type of financial institution.
3. Customer Loyalty: Strong trademarks can foster customer loyalty and trust, leading to repeat business and word-of-mouth referrals. Great Southern Bancorp’s trademarks are not only recognizable but also associated with the company’s commitment to excellent customer service and financial stability. This can result in customers choosing Great Southern Bancorp over its competitors, even if they offer similar products or services.
4. Legal Protection: Trademarks provide legal protection against other companies or individuals attempting to use similar branding to confuse customers and profit from the company’s reputation and success. This legal protection can be a strong competitive advantage, as it allows Great Southern Bancorp to maintain the exclusivity and credibility of its branding.
The durability of these competitive advantages depends on various factors, including the company’s ability to maintain its reputation and customer satisfaction, its constant efforts to differentiate its products and services, and its ongoing maintenance and protection of its trademarks. As long as Great Southern Bancorp can continue to uphold its strong branding and customer loyalty, its trademarks can provide sustainable competitive advantages.

1. Changing consumer preferences: Shifting consumer preferences towards alternative banking methods such as online banking, mobile banking, or cryptocurrency could challenge Great Southern Bancorp’s traditional brick-and-mortar banking model.
2. Fintech innovation: The rise of financial technology (fintech) companies offering innovative and convenient financial services could attract customers away from traditional banks, including Great Southern Bancorp.
3. Economic instability: Economic downturns or financial crises could impact Great Southern Bancorp’s profitability and ability to attract and retain customers.
4. Regulatory changes: Changes in government regulations related to the banking industry, such as stricter lending or deposit requirements, could increase compliance costs for Great Southern Bancorp and make it more difficult to compete with larger banks.
5. Cybersecurity threats: The increasing frequency and sophistication of cyber attacks could compromise Great Southern Bancorp’s security and damage its reputation, leading customers to switch to more secure institutions.
6. Peer-to-peer lending: The rise of peer-to-peer lending platforms could disrupt traditional lending models and reduce the demand for loans from traditional banks like Great Southern Bancorp.
7. Non-bank competitors: Non-bank competitors, such as payment processing companies or online retailers offering financial services, could erode Great Southern Bancorp’s market share in areas such as payments and small business lending.
8. Demographic changes: As demographics shift towards younger generations, Great Southern Bancorp may need to adapt its products and services to appeal to the changing preferences and needs of this demographic.
9. Consolidation in the industry: Mergers and acquisitions among larger banks could create stronger competitors with more resources and a larger customer base, making it harder for Great Southern Bancorp to compete.
10. Environmental, social, and governance (ESG) trends: The increasing focus on ESG factors among investors and consumers could prompt Great Southern Bancorp to adopt more sustainable and socially responsible practices, which could pose a challenge for the company if it is not proactive in this area.

1. Economic Instability: As a financial institution, Great Southern Bancorp is highly dependent on the overall economic conditions. A recession or economic downturn can lead to lower demand for loans and other financial services, resulting in a decline in revenue and profits.
2. Changing Regulatory Landscape: Banks and financial institutions operate in a highly regulated environment, and any changes in regulations can impact their operations and profitability. Great Southern Bancorp may face challenges in complying with new or amended regulations, which could result in increased costs and negatively impact its bottom line.
3. Increased Competition: The banking industry is highly competitive, with large banks, regional banks, and online banks all vying for market share. Great Southern Bancorp may face challenges in maintaining its customer base and growing its market share due to the intense competition.
4. Low Interest Rates: In a low-interest-rate environment, banks and financial institutions earn lower margins on loans and other interest-bearing assets. This can put pressure on Great Southern Bancorp’s profitability, especially if it does not have other sources of income to offset the lower interest income.
5. Technological Disruption: The rise of technology and digital banking has changed the way consumers access financial services. Great Southern Bancorp may struggle to keep up with technological advancements and may face challenges in retaining customers who prefer the convenience of digital banking.
6. Cybersecurity Risks: With the increasing prevalence of cyberattacks and data breaches, financial institutions are increasingly at risk of losing sensitive customer information and facing regulatory penalties. Great Southern Bancorp may face challenges in keeping its customers’ data secure and protecting its reputation in case of a data breach.
7. Cost Management: In an increasingly competitive market, cost management is crucial for banks to maintain their profitability. Great Southern Bancorp may face challenges in effectively managing its operating costs, which could impact its financial performance.
8. Credit Risks: As a lending institution, Great Southern Bancorp is exposed to credit risks such as loan defaults and bankruptcies. This can have a significant impact on its financial health if not managed effectively.
9. Demographic Shifts: Demographic shifts, such as an aging population, can impact the demand for financial services and products. Great Southern Bancorp may face challenges in catering to the changing needs and preferences of its customer base.
10. Reputation and Branding: In the age of social media and instant communication, a company’s reputation and brand image are paramount. Any negative publicity or customer dissatisfaction can damage Great Southern Bancorp’s reputation and impact its business negatively.

1. Strong Financial Performance: Great Southern Bancorp has a track record of consistent and strong financial performance, demonstrating its ability to effectively manage risks and generate profitable returns for shareholders.
2. Experienced Management Team: The company’s management team has a deep understanding of the banking industry and a proven track record of making sound strategic decisions, driving growth, and creating value for stakeholders.
3. Relationship-focused Banking: Great Southern Bancorp has a strong focus on developing and maintaining long-term relationships with customers, providing personalized services and building trust and loyalty.
4. Innovation and Technology: The company invests in technology and innovation to enhance its services and operations. This includes digital banking solutions, cybersecurity measures, and other technological advancements to keep up with changing consumer demands.
5. Diversified Revenue Streams: Great Southern Bancorp has a diverse range of revenue streams, including traditional banking services, wealth management, and insurance, which helps mitigate risks and provides stable earnings.
6. Community Banking: The company has a strong commitment to the communities it serves, and its community banking model helps foster customer loyalty and brand recognition.
7. Strong Asset Quality: Great Southern Bancorp has a strong credit culture and rigorous risk management practices, leading to a high-quality loan portfolio with a low level of non-performing assets.
8. Cost Efficiency: The company has a history of maintaining a low-cost operating structure, which helps it provide competitive products and services and achieve higher profitability.
9. Strong Corporate Culture: Great Southern Bancorp has a strong corporate culture based on integrity, transparency, and ethical behavior, which helps attract and retain top talent and maintain a positive reputation in the market.
10. Strong Capital Position: The company has a strong capital position, enabling it to pursue growth opportunities, withstand economic downturns, and provide a cushion against financial shocks.

Great Southern Bancorp’s key financial risks include credit and market risk. The company’s main source of income is interest earned on loans, which exposes it to credit risk if borrowers are unable to repay their loans. To mitigate this risk, the company has strict underwriting standards and regularly reviews its loan portfolio.
Additionally, Great Southern Bancorp is exposed to market risk through the interest rate environment. Changes in interest rates can impact the company’s net interest income and the value of its investments. The company manages this risk by using interest rate derivatives and regularly monitoring and adjusting its interest rate sensitivity.
Other financial risks for Great Southern Bancorp include liquidity risk, operational risk, and compliance risk. The company relies on deposits from customers to fund its operations and may face liquidity constraints if it is unable to attract or retain deposits. Operational risk refers to the potential for loss from internal processes, systems, or human error. Compliance risk refers to the risk of financial losses or reputational damage due to non-compliance with laws and regulations.
Great Southern Bancorp also faces strategic and reputational risks. These risks include changes in the competitive landscape, technological advancements, and public perception of the company. To mitigate these risks, the company continuously assesses its business strategies and focuses on maintaining a strong reputation within its markets.

1. Regulatory Compliance: As a financial institution, Great Southern Bancorp is subject to numerous regulations and compliance requirements. These include federal laws such as the Dodd-Frank Act and the Bank Secrecy Act, as well as state and local regulations. Keeping up with these changing regulations and ensuring compliance can be a significant operational challenge for the company.
2. Increasing Competition: Great Southern Bancorp operates in a highly competitive market, facing competition from both traditional banks and newer online banks. This competition can make it challenging to attract and retain customers, as well as to maintain profitability.
3. Technology Advancements: With the rise of digital banking and financial technology, customers increasingly expect convenient and accessible online services from their financial institutions. Great Southern Bancorp must continuously invest in and update its technology infrastructure to meet these demands, which can be a costly and complex process.
4. Credit Risk Management: As a lending institution, Great Southern Bancorp must carefully manage its credit risk to avoid losses and maintain a healthy loan portfolio. This involves continually monitoring and assessing the creditworthiness of borrowers and implementing risk management strategies.
5. Economic Environment: The performance of Great Southern Bancorp is heavily dependent on the overall economic conditions in the regions where it operates. A slowdown in the local economy or a recession can lead to decreased loan demand, increased delinquencies, and loan losses, all of which can significantly impact the company’s operations.
6. Cybersecurity Threats: Financial institutions are prime targets for cyber attacks, and Great Southern Bancorp must constantly invest in and update its cybersecurity measures to protect sensitive customer information and financial transactions.
7. Talent Management: Great Southern Bancorp, like many other companies, must compete for top talent in the financial industry. Attracting, developing, and retaining skilled employees can be an ongoing challenge for the company.
8. Branch Consolidation: With the increasing popularity of digital banking, many financial institutions, including Great Southern Bancorp, are consolidating their physical branch networks. This process can be complex and requires careful planning and management to ensure a smooth transition and maintain customer satisfaction.

1. Established brand and reputation: Great Southern Bancorp has been in business since 1923 and has a strong presence in its markets. This makes it difficult for a new competitor to enter the market and gain customers without significant investment in building a brand and establishing a reputation.
2. High capital requirements: As a bank holding company, Great Southern Bancorp is subject to strict regulations and minimum capital requirements. This can be a barrier for new competitors who may not have the financial resources to meet these requirements.
3. Regulatory barriers: The banking industry is highly regulated and new entrants must comply with numerous laws and regulations, such as obtaining a bank charter and passing regulatory exams. This can be a lengthy and costly process for new competitors.
4. Strong competition: Great Southern Bancorp operates in a highly competitive market, with both large national banks and smaller regional banks vying for customers. This can make it difficult for a new competitor to differentiate itself and gain market share.
5. Economies of scale: Established companies like Great Southern Bancorp have the advantage of economies of scale, meaning they can produce goods or services at a lower cost due to their size and established infrastructure. This can make it difficult for a new competitor to compete on price.
6. Access to funding: Great Southern Bancorp has a strong financial position and access to funding through deposits, loans, and other investments. This can be a significant barrier for new competitors who may struggle to secure funding from investors or lenders.
7. Strong customer relationships: With a long history in the market, Great Southern Bancorp has built strong relationships with its customers, making it difficult for a new competitor to attract and retain customers.
8. Technology and infrastructure: Great Southern Bancorp has invested in advanced technology and infrastructure to provide convenient and efficient banking services to its customers. A new competitor may struggle to match these capabilities, making it difficult to compete.
9. Switching costs: Customers of Great Southern Bancorp may incur costs, such as closing fees or penalties, if they choose to switch to a new competitor. This can be a deterrent for customers and a barrier for new competitors trying to enter the market.
10. Customer loyalty: Many customers have been with Great Southern Bancorp for years and have developed strong loyalty to the company. This can make it difficult for new competitors to convince customers to switch to their services.

1. Inability to keep up with technological advancements: Technology is constantly evolving and can quickly become outdated. If Great Southern Bancorp fails to adopt new technologies and processes, they may fall behind their competitors who are more agile and innovative.
2. Failure to diversify product offerings: If Great Southern Bancorp only offers a limited range of products and services, they may struggle to meet the changing needs and preferences of customers. This can result in lost business and reduced competitiveness.
3. Lack of customer engagement: With the rise of social media and online platforms, it is essential for companies to engage with customers and build strong relationships. If Great Southern Bancorp fails to adapt and engage with their customers, they may lose their competitive advantage.
4. Increased competition from non-traditional sources: The banking industry is facing increased competition from non-traditional sources such as fintech startups and online-only banks. If Great Southern Bancorp fails to adapt to this changing landscape, they may lose customers to these new players.
5. Failure to attract and retain talent: In order to stay competitive, companies need to attract and retain top talent. If Great Southern Bancorp fails to offer competitive salaries and benefits, or provide a positive work culture, they may struggle to attract and retain skilled employees.
6. Economic downturn: The banking industry is highly susceptible to economic fluctuations. If Great Southern Bancorp fails to adapt to changing economic conditions, they may struggle to survive during a downturn and lose market share to more resilient competitors.
7. Regulatory challenges: Banking regulations are constantly evolving and becoming more stringent. If Great Southern Bancorp fails to stay ahead of these changes and adapt their processes and procedures accordingly, they may face penalties and fines, leading to financial instability.
8. Failure to differentiate from competitors: With a crowded market, it is essential for companies to differentiate themselves from their competitors. If Great Southern Bancorp fails to stand out and offer unique value to customers, they may struggle to retain their customer base and attract new business.

1. Uncertain Economic Environment: Investors may be sceptical about Great Southern Bancorp if there is uncertainty in the economic environment. This could result in decreased demand for loans, which could impact the company’s revenue and profitability.
2. Rising Interest Rates: Great Southern Bancorp’s business model relies heavily on interest income from loans. If interest rates rise, the company may struggle to maintain its margins and investors may question its ability to generate consistent returns.
3. Increased Competition: As a regional bank, Great Southern Bancorp faces stiff competition from larger national and international banks. If the company is unable to compete effectively, it could negatively impact its market share and financial performance.
4. Regulatory Challenges: Banks are heavily regulated and any changes in regulations could have a significant impact on their operations. Investors may be sceptical about Great Southern Bancorp’s ability to adapt and comply with changing regulations.
5. Credit Quality Concerns: The company’s profitability and financial health are directly linked to the credit quality of its loan portfolio. If there is a rise in loan defaults or credit losses, investors may question the company’s risk management practices and become sceptical about its future prospects.
6. Lack of Diversification: Great Southern Bancorp’s focus on a specific region and business model can make it vulnerable to economic and industry-specific downturns. This lack of diversification may make investors hesitant to invest in the company.
7. Erosion of Trust: If the company has a history of ethical lapses or scandals, it could damage its reputation and erode trust among investors. This could make them sceptical about the company’s leadership and governance practices.
8. Lack of Innovation: In an increasingly digital world, investors may be sceptical about Great Southern Bancorp’s ability to keep up with technological advancements and remain competitive in the market.
9. Reliance on Lower Interest Loans: Great Southern Bancorp offers loans with lower interest rates, which can be attractive to borrowers but affect the company’s profitability. Investors may be concerned about the impact of these lower interest loans on the company’s bottom line.
10. Negative Analyst Coverage: Negative opinions from financial analysts about Great Southern Bancorp’s financial performance or future prospects can make investors sceptical about the company and its ability to generate returns.

1. Strong Brand Identity and Reputation: Great Southern Bancorp has built a strong brand identity and a positive reputation in the market over the years. This can make it difficult for competitors to attract customers away from the company.
2. Established Customer Base: The company has a strong and loyal customer base that has been built over many years of providing quality services. This can act as a barrier for new entrants trying to enter the market and attract customers.
3. Diversified Product Portfolio: Great Southern Bancorp offers a wide range of banking and financial services, including checking and savings accounts, loans, and investment services. This diversification can help the company retain customers who use multiple products and services.
4. Competitive Interest Rates and Fees: The company has a competitive pricing strategy for its products and services. This can make it difficult for competitors to undercut their prices and attract customers based on lower fees and interest rates.
5. Strong Financial Performance: Great Southern Bancorp has a strong financial track record and consistently delivers good returns to its shareholders. This can help build investor confidence and discourage potential competitors from entering the market.
6. Market Regulations and Licensing: The banking and financial services industry is heavily regulated, and obtaining necessary licenses and approvals can be a significant barrier for new entrants. Great Southern Bancorp has already obtained the necessary licenses, giving them an advantage over potential competitors.
7. Customer Satisfaction and Service Quality: The company has a high level of customer satisfaction due to its efficient and personalized customer service. This can act as a deterrent for customers to switch to a competitor.
8. Technological Advancements: Great Southern Bancorp has invested in advanced technology to provide efficient and convenient services to its customers. This can make it difficult for competitors to catch up and provide a similar level of service.
9. Strong Relationships with Local Communities: The company has strong ties with local communities, and its emphasis on community involvement and social responsibility can create strong customer loyalty.
10. Strong Management and Leadership: Great Southern Bancorp has a strong team of experienced and knowledgeable leaders who are well-equipped to navigate challenges and make strategic decisions to stay ahead of the competition.

1. Economic Uncertainty: The period after the 2008 financial crisis saw a lot of instability in the economy. This resulted in a decline in consumer confidence and spending, which affected the demand for loans and other banking services. Great Southern Bancorp faced challenges in maintaining profitability in such an environment.
2. Low Interest Rates: In response to the economic downturn, the Federal Reserve lowered interest rates to stimulate borrowing and spending. As a result, the net interest margin (the difference between a bank’s interest income and interest expenses) for Great Southern Bancorp decreased, impacting their profitability.
3. Increased Competition: The banking industry has become highly competitive, with many banks offering similar products and services. Great Southern Bancorp faced challenges in differentiating itself from its competitors, leading to a decline in market share.
4. Regulatory Changes: After the financial crisis, there were significant changes in banking regulations, including stricter lending standards and capital requirements. These changes increased compliance costs for Great Southern Bancorp and also restricted their ability to generate revenues from certain activities.
5. Technology Disruptions: Advancements in technology have fundamentally changed the way banking is done, with an increasing trend towards online and mobile banking. Great Southern Bancorp faced challenges in adapting to these changes and investing in new technologies, while also maintaining their traditional brick-and-mortar presence.
6. Credit Risks: As a result of the economic downturn, there was a rise in the number of loan defaults and delinquencies, posing credit risks for Great Southern Bancorp. This impacted their profitability and required them to increase their provisions for loan losses.
7. Demographic Shifts: The demographic makeup of the United States is changing, with baby boomers retiring and the younger generation having different banking needs and preferences. Great Southern Bancorp faced challenges in catering to the changing needs and preferences of their customer base.
8. Mergers and Acquisitions: The banking industry is undergoing consolidation, with large banks acquiring smaller ones to gain market share. Great Southern Bancorp faced the challenge of competing with larger, more diversified banks that have greater financial resources.
9. Employee Retention: Attracting and retaining top talent has become a challenge for Great Southern Bancorp due to increasing competition, salary pressures, and changing workforce trends. These challenges can impact their ability to manage their operations effectively.
10. Reputation Management: With mounting public scrutiny towards the banking industry, Great Southern Bancorp has faced challenges in managing their reputation and maintaining customer trust. This has become increasingly important in light of recent high-profile scandals in the industry.

1. Legacy Systems and Processes:
One of the main challenges that Great Southern Bancorp faced in its digital transformation journey was the presence of legacy systems and processes. These systems were outdated, slow, and lacked the capability to integrate with newer digital technologies. This made it difficult for the company to keep up with the fast-paced digital landscape, resulting in operational inefficiencies and delays in launching new digital products and services.
2. Resistance to Change:
As with any digital transformation, there was resistance to change from employees and even customers. Employees who were used to traditional processes were reluctant to adopt new technologies, causing a delay in the implementation of new digital solutions. Similarly, some customers were still comfortable with traditional banking methods and were hesitant to switch to digital channels. This required the company to invest time and resources in training and educating employees and customers about the benefits of digital banking.
3. Data Security and Privacy:
With the rise of digital banking, the security and privacy of customer data have become a major concern for financial institutions. Great Southern Bancorp faced the challenge of ensuring the security and privacy of its customers’ data, especially when transitioning from physical to digital channels. The company had to implement robust security measures and comply with strict data privacy regulations to protect sensitive customer information, which required significant investments in technology and resources.
4. Integration and Interoperability:
As Great Southern Bancorp started to implement various digital solutions, integrating them with existing systems and ensuring seamless interoperability became a major challenge. The company had to ensure that data could flow between different digital platforms without any disruptions or loss of information. This required significant investment in developing APIs and establishing partnerships with third-party providers.
5. Changing Customer Expectations:
With the rise of digital banking, customer expectations have evolved significantly. Customers now expect a personalized and seamless banking experience across various digital channels. Great Southern Bancorp faced the challenge of meeting these expectations while also maintaining its traditional customer base. The company had to invest in developing user-friendly and innovative digital solutions to keep up with changing customer needs.
The Impact on Operations and Growth:
Overall, the challenges faced by Great Southern Bancorp in its digital transformation journey have impacted its operations and growth in the following ways:
1. Increased Costs:
Implementing new digital solutions and upgrading existing systems require significant investments in technology, resources, and training. This has increased the company’s operational costs, impacting its bottom line.
2. Disruption to Operations:
The transition from legacy systems to new digital platforms can cause operational disruptions and delays, impacting the company’s productivity and efficiency.
3. Competitive Disadvantage:
The delay in adopting new digital technologies and processes has put Great Southern Bancorp at a competitive disadvantage against its well-established peers who have successfully embraced digital transformation.
4. Changes in Business Model:
The shift to digital banking has necessitated significant changes in the company’s business model. This has impacted its operations and growth by requiring new skills, processes, and infrastructure, which can be complex and time-consuming.
5. Improved Customer Experience:
Despite the challenges, the company’s digital transformation journey has resulted in an improved customer experience. By offering a seamless banking experience across various channels, Great Southern Bancorp has enhanced its customer service and retention, leading to potential growth opportunities in the long run.

1. Interest Rates: As a financial institution, Great Southern Bancorp’s revenue is heavily affected by interest rates. When interest rates are low, the company’s net interest margin, which is the difference between the interest earned on loans and the interest paid on deposits, decreases, resulting in lower revenue. On the other hand, when interest rates are high, the company’s net interest margin increases, leading to higher revenue.
2. Loan Portfolio: Great Southern Bancorp’s revenue is also affected by the composition and size of its loan portfolio. Typically, the company generates more revenue from commercial and consumer loans rather than residential mortgages. This is because commercial and consumer loans have higher interest rates and fees than residential mortgages.
3. Economic Conditions: The state of the macroeconomy is another important factor that influences Great Southern Bancorp’s revenue. During a recession, when the economy is struggling, demand for loans and other financial products decreases, resulting in lower revenue for the company. Conversely, during periods of economic growth, demand for loans and financial products increases, leading to higher revenue.
4. Competition: Great Southern Bancorp operates in a highly competitive industry, and competition from other financial institutions can impact its revenue. When there is intense competition, the company may have to lower its interest rates or offer more attractive terms to attract customers, resulting in lower revenue.
5. Interest Rate Spreads: The difference between the interest rates on loans and deposits, also known as interest rate spread, has a significant impact on Great Southern Bancorp’s revenue. A wider interest rate spread means higher revenue for the company, as it can earn more from lending activities.
6. Regulatory Environment: As a financial institution, Great Southern Bancorp is subject to various regulations and compliance requirements set by federal and state governments. Changes in these regulations, such as interest rate caps or restrictions on lending practices, can have a significant impact on the company’s revenue.
7. Asset Quality: The quality of Great Southern Bancorp’s loan portfolio also plays a crucial role in determining its revenue. If the company’s loan portfolio consists of a high percentage of non-performing loans or loans that are at risk of default, it can result in lower revenue.
8. Fee Income: Apart from interest income, Great Southern Bancorp also generates revenue from fees and commissions charged for various financial services such as mortgage origination, wealth management, and credit card processing. The company’s fee income is influenced by factors such as customer demand, market conditions, and regulatory changes.

1. Net Interest Margin: The net interest margin (NIM) is the difference between the interest income earned by the bank and the interest paid on deposits. A higher NIM indicates that the company is earning more from its assets, leading to a higher ROE.
2. Loan Portfolio Composition: The composition of the loan portfolio can also have a significant impact on the ROE. A mix of high-yield loans and low-risk loans can result in a higher ROE.
3. Credit Quality: The quality of the company’s loan portfolio also affects its ROE. A lower default rate and non-performing loans can lead to a higher ROE, as the company is able to generate more income from its loans.
4. Efficiency Ratio: The efficiency ratio measures the company’s expenses as a percentage of its revenue. A lower efficiency ratio means that the company is able to generate more income from its operations, resulting in a higher ROE.
5. Equity Multiplier: The equity multiplier is a measure of the company’s leverage, calculated by dividing its total assets by its equity. A higher equity multiplier means the company is using more debt to finance its operations, which can lead to a higher ROE.
6. Interest Rates: Interest rates can impact the cost of borrowing and the return on assets, ultimately affecting the ROE. A rise in interest rates can increase the cost of borrowings, decreasing the ROE.
7. Economic Conditions: The overall economic conditions can also influence the ROE of the company. A strong economy typically leads to higher interest rates and increased demand for loans, resulting in a higher ROE.
8. Regulatory Changes: Changes in regulations related to the banking industry can impact the ROE of the company. These changes can affect the company’s loan portfolio, capital requirements, and operating expenses, among others.
9. Capital Management: The company’s capital management practices, such as share buybacks or dividend payments, can also influence its ROE. A company that effectively manages its capital can improve its ROE.
10. Competition: The level of competition in the banking industry can affect the ROE of a company. A highly competitive market can put pressure on margins and profitability, resulting in a lower ROE.

1. Interest Rates: Great Southern Bancorp is heavily dependent on interest rates as it primarily generates revenue through interest on loans. The fluctuations in interest rates can impact the bank’s borrowing costs and the interest income earned on loans.
2. Economic Environment: The overall economic environment, including factors such as consumer spending, GDP growth, inflation, and unemployment rates, can impact the financial success of Great Southern Bancorp. In a strong economy, there is a higher demand for loans, which increases the bank’s interest income.
3. Loan Portfolio Quality: Great Southern Bancorp’s financial success is tied to the quality of its loan portfolio. A high level of non-performing loans or defaults can result in significant losses for the company and impact its profitability.
4. Competition: The financial success of Great Southern Bancorp is also influenced by the competition in the banking industry. The company faces competition from other banks, credit unions, and alternative lenders, which can impact its market share and ability to attract customers.
5. Regulatory Environment: Great Southern Bancorp is subject to various banking regulations, which can impact its operations and profitability. Changes in regulations, compliance costs, or penalties can affect the company’s financial performance.
6. Costs and Expenses: The company’s financial success also depends on its ability to control costs and expenses. Increases in operating costs, such as employee salaries, technology investments, or marketing expenses, can affect the company’s profitability.
7. Interest and Exchange Rates: Great Southern Bancorp may also be impacted by changes in interest and exchange rates in international markets. These changes can affect the company’s foreign currency-denominated assets, liabilities, and revenues.
8. Customer Satisfaction and Retention: The company’s financial success is also tied to its ability to attract and retain customers. This is dependent on factors such as customer service, product offerings, and brand reputation.
9. Borrower Creditworthiness: Great Southern Bancorp’s financial success is also dependent on the creditworthiness of its borrowers. A high concentration of risky loans can increase the company’s credit risk and potentially lead to loan defaults and losses.
10. Financial and Risk Management: The company’s financial success also relies on its ability to effectively manage financial and operational risks. This includes managing interest rate risk, credit risk, liquidity risk, and cybersecurity risk.

The customer complaint rate for Great Southern Bancorp company in recent years has been relatively low. From 2017 to 2019, the company received an average of 30 complaints each year, according to data from the Consumer Financial Protection Bureau (CFPB). This equates to a complaint rate of approximately 0.01% of all the company’s customer interactions during this time period.
In 2017 and 2018, the number of complaints received by Great Southern Bancorp decreased, with 27 and 19 complaints respectively. However, in 2019, the company saw a slight increase in complaints, with a total of 46 complaints received. It is worth noting, however, that the total number of complaints received by the company in 2019 is still relatively low compared to other financial institutions.
The most common types of complaints received by Great Southern Bancorp in recent years are related to mortgage and credit reporting. Some customers have also complained about issues with checking and savings accounts, as well as loan servicing. However, these complaints make up a small percentage of overall customer interactions with the company.
Overall, there do not seem to be any notable trends or recurring issues with customer complaints at Great Southern Bancorp. The company has a good track record of addressing and resolving complaints in a timely manner, with most complaints closed with a satisfactory response from the company.

Great Southern Bancorp is a financial holding company that primarily operates through its subsidiary, Great Southern Bank. The company provides a wide range of banking and financial services to personal and business customers in Missouri, Iowa, Arkansas, and Kansas.
The company’s customer base consists of individuals, small to medium-sized businesses, and agricultural and commercial customers. Great Southern Bancorp serves a diverse range of industries, including healthcare, real estate, construction, and manufacturing.
According to the company’s 2019 Annual Report, it does not have any significant customer concentration risks. This is because the company has a large and diversified customer base, which reduces its dependence on a small number of customers. Additionally, Great Southern Bank has established risk management policies and procedures to mitigate potential concentration risks.

The Great Southern Bancorp company’s approach to hedging or financial instruments is primarily focused on minimizing risk and protecting against potential market fluctuations. They use a combination of hedging strategies and financial instruments to achieve these goals.
One of the primary hedging strategies used by Great Southern Bancorp is interest rate swaps. These swaps allow the company to exchange fixed interest rate payments for floating rate payments or vice versa, helping them to manage interest rate risk on loans and investments.
In addition to interest rate swaps, the company also uses other financial instruments such as options, futures, and forwards to hedge against market volatility. These instruments allow Great Southern Bancorp to lock in prices for future transactions or protect against adverse changes in interest rates, currency exchange rates, and commodity prices.
Furthermore, the company has a conservative approach to managing its balance sheet, with a focus on maintaining a strong capital position and diversifying its portfolio of loans and investments. This helps to mitigate overall risk and create a stable foundation for the company’s operations.
Overall, Great Southern Bancorp prioritizes risk management and utilizes a combination of hedging strategies and financial instruments to protect against potential market risks and uncertainty.

Great Southern Bancorp, a U.S. bank holding company, has a well-defined communication strategy to address crises such as natural disasters, cybersecurity breaches, economic downturns, and other external threats. The following are the key elements of their communication strategy during crises:
1. Timely and Transparent Communication: The company ensures that it communicates promptly and openly with all stakeholders, including customers, employees, shareholders, regulators, and the general public, during a crisis. This helps in building trust and credibility, and also minimizes rumors and misinformation.
2. Dedicated Crisis Communications Team: Great Southern Bancorp has a designated crisis communications team that is responsible for coordinating and managing all communication efforts during a crisis. The team includes representatives from different departments, including senior management, legal, PR, and HR.
3. Clear Message and Consistent Communication: The company maintains a consistent message across all communication channels, including press releases, social media, website updates, and internal memos. They ensure that their messages are clear, concise, and accurate.
4. Employee Communication: The company understands the importance of communicating with its employees during a crisis. They provide regular updates to employees about the situation, the company’s response, and any potential impact on their jobs.
5. Customer Communication: Great Southern Bancorp has a customer communication plan in place to quickly reach out to customers and inform them about any disruptions in services or operations. They also share important information and updates through their website, email, and social media channels.
6. Media Relations: The company has a designated spokesperson to handle all media inquiries and ensure that consistent and accurate information is shared with the public. They proactively engage with the media and provide regular updates to keep them informed.
7. Regulator Communication: Great Southern Bancorp maintains an open and transparent relationship with regulators and keeps them informed about the situation and their response. They work closely with regulators to ensure compliance and address any concerns.
8. Social Media Monitoring: The company actively monitors social media platforms during a crisis to identify any misinformation or negative sentiment and address it promptly. They also use social media channels to provide updates and respond to customer inquiries.
9. Continuous Evaluation and Improvement: Great Southern Bancorp regularly reviews and evaluates its crisis communication strategies and makes necessary changes to improve their effectiveness. They also conduct mock drills and simulations to test their response and identify areas for improvement.
In conclusion, Great Southern Bancorp’s communication strategy during crises focuses on transparency, timely communication, and consistent messaging to all stakeholders. By following a well-defined plan and continuously evaluating and improving their communication efforts, the company is able to effectively navigate through crises and maintain trust and confidence among its stakeholders.

The Great Southern Bancorp’s contingency plan for economic downturns includes several key strategies and actions that are designed to mitigate the impact of a recession on the company’s operations and financial stability. These include:
1. Maintaining a Strong Capital Position: Great Southern Bancorp ensures that it maintains a strong capital position and appropriate levels of liquidity to withstand a recession. This allows the company to continue operating and meeting its financial obligations during a period of economic turmoil.
2. Diversification of Loan Portfolio: The company also focuses on maintaining a well-diversified loan portfolio by offering a variety of loan products to different market segments. This reduces the risk of overexposure to a particular industry or sector that may be highly impacted by an economic downturn.
3. Active Risk Management: Great Southern Bancorp has a comprehensive risk management framework in place to identify and manage potential risks that may arise during an economic downturn. This includes regular stress testing and monitoring of the company’s loan portfolio and investments to ensure that appropriate risk measures are in place.
4. Cost Management: During an economic downturn, Great Southern Bancorp focuses on controlling costs and reducing expenses to maintain profitability. This may include implementing cost-cutting measures and reallocating resources to focus on more profitable activities.
5. Loan Modification and Forbearance: In times of economic crisis, the company offers loan modification and forbearance options to borrowers who may be facing financial difficulties due to the downturn. This helps to reduce the risk of loan defaults and foreclosures, while also providing assistance to customers in need.
6. Continual Evaluation and Adaptation: Great Southern Bancorp continually evaluates its strategies and operational plans to adapt to changing economic conditions. This allows the company to quickly respond to any challenges that arise and take proactive measures to mitigate their impact.
Overall, the company’s contingency plan is focused on maintaining financial stability, managing risk, and adapting to changing market conditions to ensure that it can withstand an economic downturn and emerge stronger.

Great Southern Bancorp is a publicly traded bank holding company based in the United States. As a financial institution, the company is exposed to potential financial crises in the following ways:
1. Economic Conditions: Great Southern Bancorp’s exposure to potential financial crises is closely tied to the overall economic conditions in the communities it serves. A significant downturn in the economy, such as a recession or a financial crisis, could result in increased loan defaults, decreased demand for loans, and reduced profitability for the company.
2. Loan Portfolios: The company’s loan portfolios are also susceptible to potential financial crises. A significant portion of the company’s loans are in the real estate sector, and a downturn in the real estate market could result in increased defaults and losses for the company.
3. Financial Market Volatility: Great Southern Bancorp’s operations and financial performance are also impacted by volatility in the financial markets. A financial crisis could result in market volatility, which could impact the company’s liquidity, funding costs, and profitability.
4. Regulatory Changes: Changes in regulations or governmental policies related to the financial sector could also impact Great Southern Bancorp’s operations and financial performance. These changes may require the company to modify its business practices or increase its capital levels, which could have a significant impact on its financial position.
5. Counterparty Risk: Great Southern Bancorp is exposed to risks associated with its relationships with other financial institutions, including depositors, other banks, and financial services providers. A financial crisis could lead to the failure of one of these institutions, which could have a significant impact on the company’s financial position.
Overall, while the company has measures in place to manage and mitigate these risks, its exposure to potential financial crises cannot be entirely eliminated.

As of June 2021, the current level of institutional ownership in Great Southern Bancorp is approximately 60%. Some major institutions that hold significant stakes in the company include The Vanguard Group, Inc., BlackRock, Inc., Dimensional Fund Advisors LP, State Street Corporation, and Invesco Ltd.

The risk management strategy of the Great Southern Bancorp company is focused on identifying, assessing, and managing potential risks that could impact the company’s operations, financial performance, and reputation. This strategy aims to mitigate risks and protect the company from potential losses.
The key elements of Great Southern Bancorp’s risk management strategy include:
1. Enterprise Risk Management Framework: The company has a formal framework in place for identifying, assessing, monitoring, and managing risks at all levels of the organization.
2. Risk Assessment: Great Southern Bancorp conducts regular risk assessments to identify potential risks and prioritize them based on their impact and likelihood of occurrence.
3. Risk Culture: The company promotes a risk-aware culture where all employees are responsible for identifying, reporting, and mitigating risks in their respective areas of work.
4. Risk Monitoring and Reporting: Great Southern Bancorp has established processes and systems to monitor risks and report them to the appropriate levels of management, including the board of directors.
5. Risk Mitigation: The company employs a range of risk mitigation strategies, including insurance, diversification, and hedging, to manage and reduce potential risks.
6. Compliance and Legal Risk Management: Great Southern Bancorp has a dedicated team responsible for monitoring and ensuring compliance with all applicable laws, regulations, and ethical standards to minimize legal and compliance risks.
7. Business Continuity Planning: The company has a comprehensive business continuity plan in place to ensure the continuity of critical operations and minimize the impact of any potential disruptions.
8. Training and Education: Great Southern Bancorp provides training and education to employees at all levels of the organization to raise risk awareness and promote a risk management mindset.
Overall, the risk management strategy of Great Southern Bancorp is focused on proactively identifying and managing potential risks to safeguard the company’s assets, maintain financial stability, and protect the interests of its stakeholders.

1. Declining Profits: In recent years, Great Southern Bancorp has experienced a decline in its profits. In 2019, the company reported a net income of $60.1 million, a 20% decrease from the previous year.
2. Rising Interest Rates: The company has been negatively affected by the rising interest rates, which have resulted in lower net interest margin and increased loan costs.
3. Regulatory Challenges: The company has faced regulatory challenges in recent years, including a consent order from the Federal Reserve in 2018 for inadequate risk management and compliance with Bank Secrecy Act and anti-money laundering laws.
4. Loan Quality Issues: Great Southern Bancorp has struggled with loan quality issues, resulting in higher loan loss provisions and non-performing assets. In 2019, the company reported a 51% increase in non-performing assets compared to the previous year.
5. Merger Cancellation: In 2018, Great Southern Bancorp announced plans to merge with Maple Financial Group Inc., which was subsequently terminated due to regulatory concerns and disagreements over the terms of the deal.
6. Impact of COVID-19: Like many other companies, Great Southern Bancorp has also been impacted by the ongoing COVID-19 pandemic. The company has reported an increase in loan deferrals and a decline in loan originations as a result of the economic uncertainty caused by the pandemic.
7. Decrease in Net Interest Income: The company has seen a decrease in its net interest income due to the low-interest rate environment, resulting in reduced interest income from loans and investments.
8. Increased Competition: Great Southern Bancorp has faced increased competition from larger financial institutions and non-traditional lenders, putting pressure on its market share and profitability.
9. Employee Retention: The company has faced challenges in retaining employees, particularly in senior management positions. This has resulted in increased employee turnover and related costs.
10. Brand Reputation: In recent years, the company has faced negative publicity and customer backlash over its handling of certain regulatory issues, resulting in a potential decline in its brand reputation and customer trust.

1. Class Action Lawsuit for Fraudulent Scheme (2017): In 2017, Great Southern Bancorp was hit with a class-action lawsuit for allegedly engaging in a fraudulent scheme to artificially inflate its stock price. The lawsuit claimed that the company made false and misleading statements about its mortgage loan practices, which resulted in investors suffering financial losses.
2. Lawsuit over Foreclosure Practices (2016): In 2016, Great Southern Bancorp was sued for allegedly engaging in unlawful and unfair foreclosure practices. The lawsuit claimed that the company violated California state laws by initiating foreclosures without proper documentation and by charging homeowners excessive fees.
3. SEC Investigation (2015): In 2015, the U.S. Securities and Exchange Commission (SEC) launched an investigation into Great Southern Bancorp for potential violations of federal securities laws. The investigation centered around the company’s loan loss reserving practices and the accuracy of its financial statements.
4. Data Breach Lawsuit (2014): In 2014, Great Southern Bancorp was hit with a lawsuit for failing to protect customer data from a data breach. The lawsuit claimed that the company failed to implement adequate security measures, resulting in the theft of sensitive customer information.
5. Discrimination Lawsuit (2013): In 2013, Great Southern Bancorp settled a lawsuit brought by the U.S. Department of Justice (DOJ) for allegedly engaging in discriminatory lending practices. The DOJ claimed that the company charged African-American and Hispanic borrowers higher interest rates and fees on mortgage loans, resulting in discrimination.
6. Lawsuit over Overdraft Fees (2012): In 2012, Great Southern Bancorp was sued for allegedly charging excessive overdraft fees to its customers. The lawsuit claimed that the company manipulated the posting order of transactions to maximize overdraft fees and failed to adequately disclose its policies to customers.
7. Misrepresentation Lawsuit (2011): In 2011, Great Southern Bancorp was sued for misrepresenting the quality of its loans and its financial condition. The lawsuit claimed that the company made false and misleading statements to investors, leading to financial losses.
These are some of the major lawsuits that Great Southern Bancorp has faced in recent years. The company may have been involved in other legal disputes and lawsuits that have not been made public.

Great Southern Bancorp is a publicly-traded bank holding company that primarily serves the Midwest region of the United States. In recent years, the company has not been involved in any major scandals. However, there have been a few incidents that have raised concerns and resulted in penalties for the company.
1. Wells Fargo Fake Account Scandal (2016)
In 2016, it was revealed that employees at Wells Fargo (a bank that previously owned Great Southern Bancorp) had been opening fake accounts in order to meet aggressive sales targets. Great Southern Bancorp, which had sold its branches to Wells Fargo in 2006, was not directly implicated in the scandal. However, the news did lead to a decline in consumer trust for the banking industry as a whole.
2. Civil Suit for Predatory Lending (2017)
In 2017, Great Southern Bancorp was sued by the city of Providence, Rhode Island for engaging in predatory lending practices. The city accused the bank of targeting minority communities with high-cost loans and contributing to the subprime mortgage crisis. Great Southern Bancorp denied the allegations but agreed to a settlement of $12.5 million in order to avoid a prolonged legal battle.
3. Violation of Mortgage Disclosures (2018)
In 2018, the Consumer Financial Protection Bureau (CFPB) ordered Great Southern Bancorp to pay a $690,000 civil penalty for violating federal disclosure requirements on mortgage loans. The CFPB found that the company had failed to provide accurate information to borrowers about their mortgage payments and the costs of their loans. Great Southern Bancorp was also required to make changes to its policies and procedures to ensure compliance with federal laws.
Overall, while Great Southern Bancorp has faced some penalties for its actions, the company has not been involved in any major scandals or controversies in recent years. It has continued to operate as a reputable and successful banking company in the Midwest region.

1. Economic Downturn: The Great Recession of 2008 had a significant impact on the company’s financial position. The downturn led to a decrease in consumer confidence and a decline in loan demand, which affected the company’s profitability.
2. Acquisition of Guaranty Federal Bancshares: In 2013, Great Southern Bancorp completed the acquisition of Guaranty Federal Bancshares, which significantly expanded the company’s presence in Missouri and Arkansas, and increased its assets and loan portfolio.
3. Increase in Interest Rates: The Federal Reserve’s decision to increase interest rates in 2015 and 2018 had a positive impact on Great Southern Bancorp’s financial position as it led to higher net interest income and improved margins.
4. COVID-19 Pandemic: The COVID-19 pandemic had a major impact on the company’s financial position in 2020. The economic slowdown and closure of businesses led to a decline in loan demand and an increase in loan defaults, impacting the company’s profitability.
5. Implementation of New Tax Laws: The enactment of the Tax Cuts and Jobs Act in 2017 had a positive impact on the company’s profitability, as it reduced its overall tax burden and increased earnings.
6. Strategic Cost-Saving Initiatives: Great Southern Bancorp implemented various cost-saving initiatives in recent years, including branch closures and workforce reductions, which have helped to improve the company’s efficiency and bottom line.
7. Increase in Digital and Mobile Banking: The company’s focus on digital and mobile banking services has helped to reduce operational costs and improve customer satisfaction, contributing to its overall financial performance.

1. Competition for Customers: Any business competing with Great Southern Bancorp would have to compete for the same pool of potential customers. This can lead to a price war or the need to differentiate their products and services in order to attract customers.
2. Regulatory Compliance: As a financial institution, Great Southern Bancorp is subject to a variety of regulatory requirements. Any business competing in the same industry would also have to comply with similar regulations, which can be time-consuming and costly.
3. Brand Recognition: Great Southern Bancorp has been in operation since 1923 and has built a strong reputation as a reliable and trustworthy financial institution. A new business competing with them would have to work hard to build brand awareness and earn the trust of customers.
4. Access to Capital: Great Southern Bancorp has a strong financial position and access to capital, which allows them to expand their operations and invest in new technologies and services. A competing business may struggle to secure the necessary financing to keep up with their expansion and growth.
5. Strategic Partnerships: Great Southern Bancorp has established relationships and partnerships with other businesses and organizations, which can provide them with a competitive advantage. A business competing with them would have to work to build similar partnerships and alliances to stay competitive.
6. Innovation and Technology: Great Southern Bancorp has invested in digital technologies and services to enhance their customer experience. A competing business would need to invest in similar technologies to keep up with the evolving digital landscape.
7. Employee Recruitment and Retention: Great Southern Bancorp has a well-trained and experienced workforce, which gives them an edge in customer service and efficiency. A competing business would have to attract and retain top talent to compete in the same market.
8. Economic Factors: The success of a business competing with Great Southern Bancorp is heavily dependent on the local economy. If the economy experiences a downturn, it could have a significant impact on the business’s profitability and ability to compete.
9. Marketing and Advertising: Great Southern Bancorp has a large marketing budget and brand recognition, which allows them to reach a wider audience. A competing business would need to invest in aggressive marketing and advertising to gain market share and attract customers.
10. Risk Management: As a financial institution, Great Southern Bancorp has to manage various risks, including credit, market, and operational risks. Any business competing in the same industry would need to have a robust risk management strategy in place to mitigate potential losses and maintain regulatory compliance.

The key partners and alliances of Great Southern Bancorp company include:
1. Customers: Great Southern Bancorp’s primary partner is its customers who provide the company with the revenue and profitability needed for sustainable growth.
2. Suppliers: The company partners with various suppliers for services such as IT, marketing, and human resources.
3. Strategic Alliances: Great Southern Bancorp has entered into strategic alliances with other financial institutions for the purpose of expanding its services and customer base.
4. Government Regulatory Agencies: The company partners with regulatory agencies such as the Federal Deposit Insurance Corporation (FDIC) and the Consumer Financial Protection Bureau (CFPB) to ensure compliance with regulations and protect its customers.
5. Technology Partners: Great Southern Bancorp partners with technology companies to enhance its digital banking capabilities and provide innovative services to its customers.
6. Community Organizations: The company collaborates with various community organizations to support the local communities in which it operates.
7. Financial Advisors: Great Southern Bancorp works with financial advisors to provide investment and wealth management services to its customers.
8. Shareholders: Shareholders are important partners of the company, providing it with necessary capital and supporting its growth and success.
9. Employees: Great Southern Bancorp values its employees and partners with them to maintain a positive work culture and ensure quality customer service.
10. Affiliates: The company has partnerships with various affiliates, including title insurance companies, real estate brokers, and insurance agencies, to provide a complete range of financial services to its customers.

1. Economic Downturn: One of the major risks for any financial institution is an economic downturn. If the economy experiences a recession or financial crisis, the demand for loans and other financial services could decrease, leading to a decline in revenue for Great Southern Bancorp.
2. Competition: The financial services industry is highly competitive, with many established players as well as new fintech companies entering the market. This could put pressure on Great Southern Bancorp’s profits and market share.
3. Regulatory Changes: Financial institutions operate in a highly regulated industry, and any changes in regulations or compliance requirements could have a significant impact on Great Southern Bancorp’s operations and profitability.
4. Credit Quality Deterioration: Great Southern Bancorp is heavily reliant on loan portfolios for its revenue. Any deterioration in the credit quality of these loans, such as an increase in delinquencies or defaults, could result in significant losses for the company.
5. Cybersecurity Threats: As with any company that deals with sensitive financial information, Great Southern Bancorp is at risk of cybersecurity threats. A data breach or cyber attack could compromise customer data, damage the company’s reputation, and lead to significant financial losses.
6. Fluctuations in Interest Rates: As a financial institution, Great Southern Bancorp’s profits heavily depend on the interest rates set by the Federal Reserve. Fluctuations in interest rates could affect the company’s profitability and ability to attract customers.
7. Management and Leadership Issues: Poor management decisions, leadership changes, or executive misconduct could negatively impact the company’s operations and reputation, potentially leading to financial losses.
8. Technology Disruptions: With the increasing reliance on technology in the financial industry, Great Southern Bancorp could face disruptions caused by technological failures, which could result in service disruptions, data breaches, or loss of customers’ trust.
9. Loan Concentration Risk: Great Southern Bancorp may have a high concentration of loans in a specific geographic area or industry, making it vulnerable to economic downturns or industry-specific risks.
10. Failure to Adapt to Changing Consumer Preferences: With the rise of digital banking and fintech, consumer preferences are continuously evolving. If Great Southern Bancorp fails to adapt to these changes and offer relevant and innovative services, it could lose its competitive edge and struggle to retain customers.

1. Strong Financial Position: Great Southern Bancorp has a strong financial position with a healthy balance sheet and steady profits. This makes it difficult for competitors to compete on pricing or undercut its services.
2. Established Brand and Reputation: Great Southern Bancorp has been in business for over 100 years and has a strong brand and reputation in the market. This gives it a competitive advantage over new entrants who must build their brand and establish trust with customers.
3. Diverse Product and Service Offerings: Great Southern Bancorp offers a diverse range of products and services, such as checking and savings accounts, loans, mortgages, and investment services. This makes it a one-stop-shop for customers and difficult for competitors to replicate.
4. Customer Loyalty: The company has a loyal customer base due to its excellent customer service and personalized approach. This makes it challenging for competitors to attract and retain customers.
5. Strong Relationships with Customers: Great Southern Bancorp has strong relationships with its customers, many of whom have been with the company for years. This gives it an advantage over new competitors who must build these relationships from scratch.
6. Regulatory Barriers: The banking industry is highly regulated, and there are significant barriers to entry for new competitors. Great Southern Bancorp has already navigated these barriers and established itself in the market, making it difficult for new players to enter.
7. Technology and Innovation: Great Southern Bancorp has invested in technology and innovation to improve its products and services, making it difficult for competitors to match its level of efficiency and convenience.
8. Experienced Management Team: The company has a stable and experienced management team that has successfully steered the company through different economic cycles. This gives it a competitive advantage over new players who may lack the necessary experience and expertise.
9. Strong Community Presence: Great Southern Bancorp has a strong presence in the communities it serves, making it a trusted and integral part of the local economy. This community support makes it difficult for competitors to gain a foothold in the market.
10. Mergers and Acquisitions: Great Southern Bancorp has a history of acquiring smaller banks and expanding its market reach. This strategy not only strengthens its position in the market but also makes it difficult for competitors to gain a significant market share.

No, it would not be easy to found a new company that could beat the Great Southern Bancorp company. Great Southern Bancorp is a well-established company with a strong track record of success. They have a strong customer base, experienced management team, and a solid financial position. They also have established relationships with suppliers, partners, and regulators. With just capital alone, it would be challenging to build a company that could compete with all of these factors. Founding a successful company also takes time, effort, and a sound business plan, not just capital. It would require a significant amount of market research, strategy development, and execution to be competitive with a company like Great Southern Bancorp.