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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 17, 2024

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, 2024 1

Loan Portfolio Gross Loans [in thousands] *Includes Home Equity Loans of $115,399 2 *Includes Home Equity Loans of $115,883 03 - 31 - 24 $4,669,023 12 - 31 - 23 $4,667,197

Loan Portfolio by Region Gross Loans [in thousands] 3 03 - 31 - 24 $4,669,023 12 - 31 - 23 $4,667,197

Commercial Real Estate by Industry Gross Loans [in thousands] 4 03 - 31 - 24 $1,502,625 12 - 31 - 23 $1,521,032

Commercial Real Estate by Region Gross Loans [in thousands] 5 03 - 31 - 24 $1,502,625 12 - 31 - 23 $1,521,032

Commercial Real Estate Office and Retail All Data as of 03/31/24 Gross Loans [in thousands] 6 Office $212,860 Retail $306,691 Average credit size is $1,531,368 Average credit size is $1,722,984

Commercial Real Estate Office and Retail All Data as of 03/31/24 Gross Loans [in thousands] 7 Office - $212,860 Retail - $306,691 Medical Traditional Outstanding Balance $39,290 $173,570 # of Loans 22 114 Avg. Loan Size $1,786 $1,523 Weighted Avg. LTV 41% 96% of Office Portfolio – Pass Rated Strip Center Single Tenant Mixed - Use Neighborhood & Shopping Center Outstanding Balance $117,876 $113,253 $17,241 $58,321 # of Loans 56 95 15 12 Avg. Loan Size $2,105 $1,192 $1,149 $4,860 Weighted Avg. LTV 60% 57% 57% 50% 100% of Retail Portfolio – Pass Rated Owner Occupied $20,279 # of Loans 54 Avg. Loan Size $376 Weighted Avg. LTV 53% Other Office Sq. Ft. >100,000 $87,060 20,000 - 100,000 $37,901 <20,000 $28,330 # of Loans 60 Avg. Loan Size $2,555 Weighted Avg. LTV 52%

Construction & Land Development by Industry Gross Loans [in thousands] 8 03 - 31 - 24 $792,663 12 - 31 - 23 $804,409

Construction & Land Development by Region Gross Loans [in thousands] 9 03 - 31 - 24 $792,663 12 - 31 - 23 $804,409

Multi Family Real Estate by Region Gross Loans [in thousands] 10 03 - 31 - 24 $1,040,306 12 - 31 - 23 $942,071 Average credit size is $4,686,063 Average credit size is $4,301,694

Multi Family Real Estate by LTV Gross Loans [in thousands] 11 03 - 31 - 24 $1,040,306 12 - 31 - 23 $942,071

Non - performing by Type Gross Loans [in thousands] 12 03 - 31 - 24 $21,271 12 - 31 - 23 $11,748 *Includes Home Equity Loans of $41 *Includes Home Equity Loans of $9

Non - performing by Region Gross Loans [in thousands] 13 03 - 31 - 24 $21,271 12 - 31 - 23 $11,748

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 17, 2024 | By: | /s/ Joseph W. Turner
|  | Joseph W. Turner, President and Chief Executive Officer

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