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Regulatory Matters | 12 Months Ended
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Dec. 31, 2022
Regulatory Matters |
Regulatory Matters | Note 23: Regulatory Matters The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can result in certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct and material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of the Company’s and the Bank’s assets, liabilities and certain off-balance-sheet items as calculated under GAAP, regulatory reporting practices, and regulatory capital standards. The Company’s and the Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Quantitative measures established by regulatory reporting standards to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below as of December 31, 2022) of Total and Tier I Capital (as defined) to risk-weighted assets (as defined), of Tier I Capital (as defined) to adjusted tangible assets (as defined) and of Common Equity Tier 1 Capital (as defined) to risk-weighted assets (as defined). Management believes, as of December 31, 2022, that the Bank met all capital adequacy requirements to which it was then subject. As of December 31, 2022, the most recent notification from the Bank’s regulators categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized as of December 31, 2022, the Bank must have maintained minimum Total capital, Tier I capital, Tier 1 Leverage capital and Common Equity Tier 1 capital ratios as set forth in the table. There are no conditions or events since that notification that management believes have changed the Bank’s category. The Company and the Bank are subject to certain restrictions on the amount of dividends that may be declared without prior regulatory approval. At December 31, 2022 and 2021, the Company and the Bank exceeded their minimum capital requirements then in effect. The entities may not pay dividends which would reduce capital below the minimum requirements shown above. In addition to the minimum capital ratios, the capital rules include a capital conservation buffer, under which a banking organization must have Common Equity Tier 1 capital more than 2.5% above each of its minimum risk-based capital ratios in order to avoid restrictions on paying dividends, repurchasing shares, and paying certain discretionary bonuses. The net unrealized gain or loss on securities is not included in computing regulatory capital. The Company’s and the Bank’s actual capital amounts and ratios are presented in the following table. No amount was deducted from capital for interest-rate risk. ​
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​ |  | ​ | ​ |  |  |  |  | ​ |  |  |  | To Be Well |
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Capitalized Under |
​ | ​ | ​ | ​ | ​ | ​ | ​ | For Capital | ​ | Prompt Corrective |
​ | ​ | Actual | ​ | Adequacy Purposes | ​ | Action Provisions |
​ |  | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio |
​ | ​ | (Dollars In Thousands) |
As of December 31, 2022 |  | ​ |  |  |  |  | ​ |  |  |  |  | ​ |  |  |  | ​
Total capital |  | ​ |  |  |  |  | ​ |  |  |  |  | ​ |  |  |  | ​
Great Southern Bancorp, Inc. | ​ | $ | 746,287 |  | 13.5 | % | $ | 440,767 |  | 8.0 | % | ​ | N/A |  | N/A | ​
Great Southern Bank | ​ | $ | 721,616 |  | 13.1 | % | $ | 440,683 |  | 8.0 | % | $ | 550,854 |  | 10.0 | %
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Tier I capital | ​ |  | ​ |  | ​ | ​ |  | ​ |  | ​ | ​ |  | ​ |  | ​ | ​
Great Southern Bancorp, Inc. | ​ | $ | 607,807 |  | 11.0 | % | $ | 330,575 |  | 6.0 | % |  | N/A |  | N/A | ​
Great Southern Bank | ​ | $ | 658,136 |  | 11.9 | % | $ | 330,512 |  | 6.0 | % | $ | 440,683 |  | 8.0 | %
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Tier I leverage capital | ​ |  | ​ |  | ​ | ​ |  | ​ |  | ​ | ​ |  | ​ |  | ​ | ​
Great Southern Bancorp, Inc. | ​ | $ | 607,807 |  | 10.6 | % | $ | 228,673 |  | 4.0 | % |  | N/A |  | N/A | ​
Great Southern Bank | ​ | $ | 658,136 |  | 11.5 | % | $ | 228,511 |  | 4.0 | % | $ | 285,638 |  | 5.0 | %
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Common equity Tier I capital | ​ |  | ​ |  | ​ | ​ |  | ​ |  | ​ | ​ |  | ​ |  | ​ | ​
Great Southern Bancorp, Inc. | ​ | $ | 582,807 |  | 10.6 | % | $ | 247,932 |  | 4.5 | % |  | N/A |  | N/A | ​
Great Southern Bank | ​ | $ | 658,136 |  | 11.9 | % | $ | 247,884 |  | 4.5 | % | $ | 358,055 |  | 6.5 | %
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
As of December 31, 2021 | ​ |  | ​ |  | ​ | ​ |  | ​ |  | ​ | ​ |  | ​ |  | ​ | ​
Total capital | ​ |  | ​ |  | ​ | ​ |  | ​ |  | ​ | ​ |  | ​ |  | ​ | ​
Great Southern Bancorp, Inc. | ​ | $ | 745,641 |  | 16.3 | % | $ | 365,120 |  | 8.0 | % |  | N/A |  | N/A | ​
Great Southern Bank | ​ | $ | 701,215 |  | 15.4 | % | $ | 365,048 |  | 8.0 | % | $ | 456,310 |  | 10.0 | %
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Tier I capital | ​ |  | ​ |  | ​ | ​ |  | ​ |  | ​ | ​ |  | ​ |  | ​ | ​
Great Southern Bancorp, Inc. | ​ | $ | 613,544 |  | 13.4 | % | $ | 273,840 |  | 6.0 | % |  | N/A |  | N/A | ​
Great Southern Bank | ​ | $ | 644,134 |  | 14.1 | % | $ | 273,786 |  | 6.0 | % | $ | 365,048 |  | 8.0 | %
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Tier I leverage capital | ​ |  | ​ |  | ​ | ​ |  | ​ |  | ​ | ​ |  | ​ |  | ​ | ​
Great Southern Bancorp, Inc. | ​ | $ | 613,544 |  | 11.3 | % | $ | 217,264 |  | 4.0 | % |  | N/A |  | N/A | ​
Great Southern Bank | ​ | $ | 644,134 |  | 11.9 | % | $ | 217,209 |  | 4.0 | % | $ | 271,511 |  | 5.0 | %
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Common equity Tier I capital | ​ |  | ​ |  | ​ | ​ |  | ​ |  | ​ | ​ |  | ​ |  | ​ | ​
Great Southern Bancorp, Inc. | ​ | $ | 588,544 |  | 12.9 | % | $ | 205,380 |  | 4.5 | % |  | N/A |  | N/A | ​
Great Southern Bank | ​ | $ | 644,134 |  | 14.1 | % | $ | 205,340 |  | 4.5 | % | $ | 296,602 |  | 6.5 | %
​

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