GREAT SOUTHERN BANCORP, INC. : Regulation FD Disclosure (form 8-K)

Item 7.01 Regulation FD Disclosure.

Set forth below is presentation material of Great Southern Bancorp, Inc., the holding company for Great Southern Bank.

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December 31, 2021





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Loan Portfolio 12.31.21 $4,086,716 $4,109,850 9.30.21 *Includes Home Equity Loans of $119,987 Includes Home Equity Loans of $118,047 2 [in thousands] Gross Loans

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Loan Portfolio by Region 12.31.21 $4,086,716 $4,109,850 9.30.21 3 [in thousands] Gross Loans

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Commercial Real Estate by Industry 12.31.21 $1,476,230 $1,507,615 9.30.21 4 [in thousands] Gross Loans

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Commercial Real Estate by Region 12.31.21 $1,507,615 9.30.21 5 [in thousands] $1,476,230 Gross Loans

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Construction & Land Development by Industry 12.31.21 $720,332 $660,779 9.30.21 6 [in thousands] Gross Loans

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Construction & Land Development by Region 12.31.21 $660,779 7 [in thousands] $720,332 9.30.21 Gross Loans

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Multi Family Real Estate by Region 12.31.21 $697,951 $783,285 9.30.21 8 [in thousands] Average credit size is $3,216,364 Average credit size is $3,277,345 Gross Loans

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Multi Family Real Estate by LTV 12.31.21 $697,951 $783,285 9.30.21 9 [in thousands] Gross Loans

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NonPerforming by Type 12.31.21 $5,423 $6,981 9.30.21 10 [in thousands] *Includes Home Equity Loans of $668 *Includes Home Equity Loans of $635 Gross Loans

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NonPerforming by Region 12.31.21 $5,423 $6,981 9.30.21 11 [in thousands] Gross Loans

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