Great Southern Bancorp operates as a bank holding company through Great Southern Bank, providing comprehensive lending and deposit-based banking services across multiple U.S. markets including the St. Louis and Minneapolis regions. The company generates revenue primarily from net interest income earned on its loan portfolio—which includes residential mortgages, commercial real estate loans, construction financing, commercial business loans, and consumer loans—supplemented by non-interest income from service charges, interchange fees, and loan sales. Funding comes principally from customer deposits and supplementary sources including brokered deposits and borrowings from the Federal Home Loan Bank, with the company managing its asset-liability structure to optimize interest rate spreads while serving retail customers, small businesses, and commercial borrowers through a branch network and digital channels.