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, 2016

Total capital

Great Southern Bancorp, Inc.

$556,106

13.6%

$327,610

8.0%

N/A

Great Southern Bank

$520,989

12.7%

$327,505

8.0%

$409,382

10.0%

Tier I capital

Great Southern Bancorp, Inc.

$443,706

10.8%

$245,707

6.0%

N/A

Great Southern Bank

$483,589

11.8%

$245,629

6.0%

$327,505

8.0%

Tier I leverage capital

Great Southern Bancorp, Inc.

$443,706

9.9%

$178,693

4.0%

N/A

Great Southern Bank

$483,589

10.8%

$178,643

4.0%

$223,304

5.0%

Common equity Tier I capital

Great Southern Bancorp, Inc.

$418,687

10.2%

$184,280

4.5%

N/A

Great Southern Bank

$483,569

11.8%

$184,222

4.5%

$266,098

6.5%

As of December 31, 2015

Total capital

Great Southern Bancorp, Inc.

$452,637

12.6%

$288,279

8.0%

N/A

Great Southern Bank

$434,334

12.1%

$288,180

8.0%

$360,225

10.0%

Tier I capital

Great Southern Bancorp, Inc.

$414,488

11.5%

$216,209

6.0%

N/A

Great Southern Bank

$396,185

11.0%

$216,135

6.0%

$288,180

8.0%

Tier I leverage capital

Great Southern Bancorp, Inc.

$414,488

10.2%

$162,576

4.0%

N/A

Great Southern Bank

$396,185

9.8%

$161,986

4.0%

$202,482

5.0%

Common equity Tier I capital

Great Southern Bancorp, Inc.

$389,460

10.8%

$162,157

4.5%

N/A

Great Southern Bank

$396,157

11.0%

$162,101

4.5%

$234,146

6.5%