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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): April 20, 2022

GREAT SOUTHERN BANCORP, INC.

(Exact name of registrant as specified in its charter)

Maryland |  | 0-18082 |  | 43-1524856
(State or other jurisdiction of incorporation) |  | (Commission File Number) |  | (IRS Employer Identification No.)

1451 East Battlefield, Springfield, Missouri |  | 65804
(Address of principal executive offices) |  | (Zip Code)

Registrant's telephone number, including area code: (417) 887-4400

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

¨ | Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨ | Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

¨ | Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

| ¨ | Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class | Trading Symbol(s) | Name of each exchange on which registered
Common Stock, par value $0.01 per share | GSBC | The NASDAQ Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ¨

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

Item 7.01  Regulation FD Disclosure.

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

March 31, 2022

Loan Portfolio 3.31.22 $4,183,149 $4,086,716 12.31.21 *Includes Home Equity Loans of $114,489 *Includes Home Equity Loans of $119,987 2 [in thousands] Gross Loans

Loan Portfolio by Region 3.31.22 $4,183,149 $4,086,716 12.31.21 3 [in thousands] Gross Loans

Commercial Real Estate by Industry 3.31.22 $1,558,471 $1,476,230 12.31.21 4 [in thousands] Gross Loans

Commercial Real Estate by Region 3.31.22 $1,476,230 12.31.21 5 [in thousands] $1,558,471 Gross Loans

Construction & Land Development by Industry 3.31.22 $539,241 $720,332 12.31.21 6 [in thousands] Gross Loans

Construction & Land Development by Region 3.31.22 $720,332 7 [in thousands] $539,241 12.31.21 Gross Loans

Multi Family Real Estate by Region 3.31.22 $849,743 $697,951 12.31.21 8 [in thousands] Average credit size is $3,897,874 Average credit size is $3,277,345 Gross Loans

Multi Family Real Estate by LTV 3.31.22 $849,743 $697,951 12.31.21 9 [in thousands] Gross Loans

NonPerforming by Type 3.31.22 $4,969 $5,423 12.31.21 10 [in thousands] *Includes Home Equity Loans of $635 *Includes Home Equity Loans of $618 Gross Loans

NonPerforming by Region 3.31.22 $4,969 $5,423 12.31.21 11 [in thousands] Gross Loans

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

| GREAT SOUTHERN BANCORP, INC.
Date: April 20, 2022 | By: | /s/ Joseph W. Turner
|  | Joseph W. Turner, President and Chief Executive Officer

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