Great Southern Bancorp (GSBC) 10-K 6 Mar 20 2019 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Jun. 30, 2019	Mar. 04, 2019
Details
Registrant Name	GREAT SOUTHERN BANCORP, INC.
Registrant CIK	0000854560
SEC Form	10-K
Period End date	Dec. 31, 2019
Fiscal Year End	--12-31
Trading Symbol	gsbc
Tax Identification Number (TIN)	43-1524856
Number of common stock shares outstanding			14,212,780
Public Float		$ 658,342,279
Filer Category	Accelerated Filer
Current with reporting	Yes
Voluntary filer	No
Well-known Seasoned Issuer	No
Shell Company	false
Small Business	false
Emerging Growth Company	false
Entity File Number	0-18082
Entity Incorporation, State or Country Code	MD
Entity Address, Address Line One	1451 E. Battlefield
Entity Address, City or Town	Springfield
Entity Address, State or Province	MO
Entity Address, Postal Zip Code	65804
City Area Code	417
Local Phone Number	887-4400
Phone Fax Number Description	Registrant's telephone number
Title of 12(b) Security	Common Stock
Security Exchange Name	NASDAQ
Entity Interactive Data Current	Yes
Amendment Flag	false
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	FY
Document Annual Report	true
Document Transition Report	false

Consolidated Statements of Fina

Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Assets
Cash	$ 99,299	$ 110,108
Interest-bearing deposits in other financial institutions	120,856	92,634
Cash and cash equivalents	220,155	202,742
Available-for-sale securities	374,175	243,968
Mortgage loans held for sale	9,242	1,650
Loans Receivable	4,153,982	3,989,001
Interest receivable	13,530	13,448
Prepaid expenses and other assets	74,984	55,336
Other real estate owned and repossessions, net	5,525	8,440
Premises and equipment, net	141,908	132,424
Goodwill and other intangible assets	8,098	9,288
Federal Home Loan Bank stock	13,473	12,438
Deferred and current income taxes	0	7,465
Total assets	5,015,072	4,676,200
Liabilities
Deposits	3,960,106	3,725,007
Securities sold under reverse repurchase agreements with customers	84,167	105,253
Short-term borrowings and other interest-bearing liabilities	228,157	192,725
Subordinated debentures issued to capital trust	25,774	25,774
Subordinated notes	74,276	73,842
Accrued interest payable	4,250	3,570
Advances from borrowers for taxes and insurance	7,484	5,092
Accrued expenses and other liabilities	24,904	12,960
Current and deferred income taxes	2,888	0
Total liabilities	4,412,006	4,144,223
Commitments and Contingencies	0	0
Capital stock
Serial preferred stock, $.01 par value; authorized 1,000,000 shares; issued and outstanding 2019 and 2018 - - 0- shares	0	0
Common stock, $.01 par value; authorized 20,000,000 shares; issued and outstanding 2019 -14,261,052 shares, 2018 -14,151,198 shares	143	142
Additional paid-in capital	33,510	30,121
Retained earnings	537,167	492,087
Accumulated other comprehensive income, net of income taxes of $9,525 and $2,844 at December 31, 2019 and 2018, respectively	32,246	9,627
Total stockholders' equity	603,066	531,977
Total liabilities and stockholders' equity	$ 5,015,072	$ 4,676,200

Consolidated Statements of Fi_2

Consolidated Statements of Financial Condition - Parenthetical - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Details
Loans and Leases Receivable, Allowance	$ 40,294	$ 38,409
Preferred Stock, Par or Stated Value Per Share	$ 0.01	$ 0.01
Preferred Stock, Shares Authorized	1,000,000	1,000,000
Preferred Stock, Shares Issued	0	0
Preferred Stock, Shares Outstanding	0	0
Common Stock, Par or Stated Value Per Share	$ 0.01	$ 0.01
Common Stock, Shares Authorized	20,000,000	20,000,000
Common Stock, Shares, Issued	14,261,052	14,151,198
Common Stock, Shares, Outstanding	14,261,052	14,151,198
Accumulated Other Comprehensive Income (Loss), Cumulative Changes in Net Gain (Loss) from Cash Flow Hedges, Effect Net of Tax	$ 9,525	$ 2,844

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Interest Income
Loans	$ 223,047	$ 198,226	$ 176,654
Investment securities and other	11,947	7,723	6,407
Interest and Dividend Income, Operating	234,994	205,949	183,061
Interest Expense
Deposits	45,570	27,957	20,595
Federal Home Loan Bank advances	0	3,985	1,516
Short-term borrowings and repurchase agreements	3,635	765	747
Subordinated debentures issued to capital trust	1,019	953	949
Subordinated notes	4,378	4,097	4,098
Interest Expense	54,602	37,757	27,905
Net Interest Income	180,392	168,192	155,156
Provision for Loan Losses	6,150	7,150	9,100
Net Interest Income After Provision for Loan Losses	174,242	161,042	146,056
Noninterest Income
Commissions	889	1,137	1,041
Service charges and ATM fees	20,898	21,695	21,628
Net gains on loan sales	2,607	1,788	3,150
Net realized gains (losses) on sales of available-for-sale securities	(62)	2	0
Late charges and fees on loans	1,432	1,622	2,231
Gain (loss) on derivative interest rate products	(104)	25	28
Gain on sale of business units	0	7,414	0
Gain (loss) on termination of loss sharing agreements	0	0	7,705
Amortization of income/expense related to business acquisitions	0	0	(486)
Other income	5,297	2,535	3,230
Noninterest Income	30,957	36,218	38,527
Noninterest Expense
Salaries and employee benefits	63,224	60,215	60,034
Net occupancy expense	26,217	25,628	24,613
Postage	3,198	3,348	3,461
Insurance	2,015	2,674	2,959
Advertising	2,808	2,460	2,311
Office supplies and printing	1,077	1,047	1,446
Telephone	3,580	3,272	3,188
Legal, audit and other professional fees	2,624	3,423	2,862
Expense on other real estate and repossessions	2,184	4,919	3,929
Partnership Tax Credit Investment Amortization	365	575	930
Acquired deposit intangible asset amortization	1,190	1,562	1,650
Other operating expenses	6,656	6,187	6,878
Noninterest Expense	115,138	115,310	114,261
Income Before Income Taxes	90,061	81,950	70,322
Provision for Income Taxes	16,449	14,841	18,758
Net Income and Net Income Available to Common Shareholders	$ 73,612	$ 67,109	$ 51,564
Earnings Per Common Share
Basic	$ 5.18	$ 4.75	$ 3.67
Diluted	$ 5.14	$ 4.71	$ 3.64

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Details
Net Income	$ 73,612	$ 67,109	$ 51,564
Unrealized appreciation (depreciation) on available-for-sale securities, net	8,714	(1,229)	(478)
Reclassification adjustment for losses (gains) included in net income, net	48	(2)	0
Change in fair value of cash flow hedge, net of taxes of $4,093, $2,761 and $93 for 2019, 2018 and 2017, respectively	13,857	9,345	161
Other comprehensive income (loss)	22,619	8,114	(317)
Comprehensive Income	$ 96,231	$ 75,223	$ 51,247

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive Income - Parenthetical - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Details
Tax effect of unrealized appreciation (depreciation) on available for sale securities taxes (credit)	$ 2,574	$ (353)	$ (272)
Tax effect reclassification adjustment for gains included in net income, taxes (credit)	14	0	0
Tax effect of change in fair value of cash flow hedge taxes (credit)	$ 4,093	$ 2,761	$ 93

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity - USD ($) $ in Thousands		Stockholders' Equity, Total	Common Stock	Additional Paid-in Capital	Retained Earnings	Other Comprehensive Income (Loss)	Treasury Stock
Equity Balance at Dec. 31, 2016		$ 429,806	$ 140	$ 25,942	$ 402,166	$ 1,558	$ 0
Net income		51,564	0	0	51,564	0	0
Stock issued under Stock Option Plan		3,811	0	2,261	0	0	1,550
Common dividends declared	[1]	(13,202)	0	0	(13,202)	0	0
Other comprehensive gain (loss)		(317)	0	0	0	(317)	0
Purchase of the Company's common stock		0	0	0	0	0	0
Reclassification of Treasury Stock per Maryland Law		0	1	0	1,549	0	(1,550)
Equity Balance at Dec. 31, 2017		471,662	141	28,203	442,077	1,241	0
Net income		67,109	0	0	67,109	0	0
Stock issued under Stock Option Plan		2,961	0	1,918	0	0	1,043
Common dividends declared	[2]	(16,966)	0	0	(16,966)	0	0
Other comprehensive gain (loss)		8,114	0	0	0	8,114	0
Purchase of the Company's common stock		(903)	0	0	0	0	(903)
Reclassification of Treasury Stock per Maryland Law		0	1	0	139	0	(140)
Equity Balance at Dec. 31, 2018		531,977	142	30,121	492,087	9,627	0
Reclassification of stranded tax effects resulting from change in Federal income tax rate		0	0	0	(272)	272	0
Net income		73,612	0	0	73,612	0	0
Stock issued under Stock Option Plan		5,080	0	3,389	0	0	1,691
Common dividends declared	[3]	(29,373)	0	0	(29,373)	0	0
Other comprehensive gain (loss)		22,619	0	0	0	22,619	0
Purchase of the Company's common stock		(849)	0	0	0	0	(849)
Reclassification of Treasury Stock per Maryland Law		0	1	0	841	0	(842)
Equity Balance at Dec. 31, 2019		$ 603,066	$ 143	$ 33,510	$ 537,167	$ 32,246	$ 0
[1]	$.94 per share dividend
[2]	$1.20 per share dividend
[3]	$2.07 per share dividend

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Operating Activities
Net income	$ 73,612	$ 67,109	$ 51,564
Proceeds from sales of loans held for sale	131,014	92,422	138,659
Originations of loans held for sale	(135,937)	(83,806)	(126,215)
Items not requiring (providing) cash
Depreciation	9,557	9,118	9,120
Amortization	2,068	2,291	2,731
Compensation expense for stock option grants	922	737	564
Provision for loan losses	6,150	7,150	9,100
Net gains on loan sales	(2,607)	(1,788)	(3,150)
Net realized (gains) losses on available-for-sale securities	62	(2)	0
Loss on sale of premises and equipment	77	193	297
(Gain) loss on sale/write-down of other real estate and repossessions	316	1,886	(449)
Gain on Sales of Business Units	0	(7,414)	0
Gain realized on termination of loss sharing agreements	0	0	(7,705)
Accretion of deferred income, premiums, discounts and other	(3,899)	(2,918)	(1,947)
(Gain) loss on derivative interest rate products	104	(25)	(28)
Deferred income taxes	1,074	(4,450)	9,423
Interest receivable	(82)	(1,110)	(463)
Prepaid expenses and other assets	(1,336)	3,002	(5,227)
Accrued expenses and other liabilities	2,725	280	1,821
Income taxes refundable/payable	2,599	11,520	(15,278)
Net cash provided by operating activities	86,419	94,195	62,817
Investing Activities
Net change in loans	(81,320)	(147,945)	136,596
Purchase of loans	(97,162)	(128,038)	(133,018)
Cash received from FDIC loss sharing reimbursements	0	0	16,246
Cash paid for sale of business units	0	(50,356)	0
Purchase of premises and equipment	(11,789)	(9,317)	(7,404)
Proceeds from sale of premises and equipment	204	2,328	565
Proceeds from sale of other real estate and repossessions	15,244	20,426	33,640
Capitalized costs on other real estate owned	(121)	(153)	(117)
Proceeds from maturities, calls and repayments of held-to-maturity securities	0	130	117
Proceeds from sale of available-for-sale securities	53,695	502	0
Proceeds from maturities, calls and repayments of available-for-sale securities	34,769	25,734	36,754
Purchase of available-for-sale securities	(207,634)	(93,378)	(3,852)
Redemption (purchase) of Federal Home Loan Bank stock	(1,035)	(1,256)	1,852
Net cash provided by (used in) investing activities	(295,149)	(381,323)	81,379
Financing Activities
Net increase (decrease) in certificates of deposit	129,748	242,955	(114,714)
Net increase (decrease) in checking and savings accounts	105,400	(53,956)	34,796
Proceeds from Federal Home Loan Bank advances	0	2,621,500	1,420,500
Repayments of Federal Home Loan Bank advances	0	(2,749,000)	(1,324,435)
Increase (decrease) in short term borrowings and other interest-bearing liabilities	14,346	200,843	(188,888)
Advances from (to) borrowers for taxes and insurance	2,392	(227)	676
Purchase of the company's common stock	(849)	(903)	0
Dividends paid	(29,052)	(15,819)	(12,894)
Stock options exercised	4,158	2,224	3,247
Net cash provided by (used in) financing activities	226,143	247,617	(181,712)
Increase (Decrease) in Cash and Cash Equivalents	17,413	(39,511)	(37,516)
Cash and Cash Equivalents, Beginning of Year	202,742	242,253	279,769
Cash and Cash Equivalents, End of Year	$ 220,155	$ 202,742	$ 242,253

Note 1_ Nature of Operations an

Note 1: Nature of Operations and Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2019
Notes
Note 1: Nature of Operations and Summary of Significant Accounting Policies	Note 1: Nature of Operations and Summary of Significant Accounting Policies Nature of Operations and Operating Segments Great Southern Bancorp, Inc. (“GSBC” or the “Company”) operates as a one-bank holding company. GSBC’s business primarily consists of the operations of Great Southern Bank (the “Bank”), which provides a full range of financial services to customers primarily located in Missouri, Iowa, Kansas, Minnesota, Nebraska and Arkansas. The Bank also originates commercial loans from lending offices in Atlanta, Ga., Chicago, Ill., Dallas, Texas, Denver, Colo., Omaha, Neb. and Tulsa, Okla. The Company and the Bank are subject to regulation by certain federal and state agencies and undergo periodic examinations by those regulatory agencies. The Company’s banking operation is its only reportable segment. The banking operation is principally engaged in the business of originating residential and commercial real estate loans, construction loans, commercial business loans and consumer loans and funding these loans by attracting deposits from the general public, accepting brokered deposits and borrowing from the Federal Home Loan Bank and others. The operating results of this segment are regularly reviewed by management to make decisions about resource allocations and to assess performance. Selected information is not presented separately for the Company’s reportable segment, as there is no material difference between that information and the corresponding information in the consolidated financial statements. Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses and the valuation of real estate acquired in connection with foreclosures or in satisfaction of loans, the valuation of loans acquired with indication of impairment and other-than-temporary impairments (OTTI) and fair values of financial instruments. In connection with the determination of the allowance for loan losses and the valuation of foreclosed assets held for sale, management obtains independent appraisals for significant properties. In addition, the Company considers that the determination of the carrying value of goodwill and intangible assets involves a high degree of judgment and complexity Principles of Consolidation The consolidated financial statements include the accounts of Great Southern Bancorp, Inc., its wholly owned subsidiary, the Bank, and the Bank’s wholly owned subsidiaries, Great Southern Real Estate Development Corporation, GSB One LLC (including its wholly owned subsidiary, GSB Two LLC), Great Southern Financial Corporation, Great Southern Community Development Company, LLC (including its wholly owned subsidiary, Great Southern CDE, LLC), GS, LLC, GSSC, LLC, GSTC Investments, LLC, GS-RE Holding, LLC (including its wholly owned subsidiary, GS RE Management, LLC), GS-RE Holding II, LLC, GS-RE Holding III, LLC, VFP Conclusion Holding, LLC and VFP Conclusion Holding II, LLC. All significant intercompany accounts and transactions have been eliminated in consolidation. Federal Home Loan Bank Stock Federal Home Loan Bank common stock is a required investment for institutions that are members of the Federal Home Loan Bank system. The required investment in common stock is based on a predetermined formula, carried at cost and evaluated for impairment. Securities Available-for-sale securities, which include any security for which the Company has no immediate plan to sell but which may be sold in the future, are carried at fair value. Unrealized gains and losses are recorded, net of related income tax effects, in other comprehensive income. Held-to-maturity securities, which include any security for which the Company has the positive intent and ability to hold until maturity, are carried at historical cost adjusted for amortization of premiums and accretion of discounts. Amortization of premiums and accretion of discounts are recorded as interest income from securities. Realized gains and losses are recorded as net security gains (losses). Gains and losses on sales of securities are determined on the specific-identification method. For debt securities with fair value below carrying value when the Company does not intend to sell a debt security, and it is more likely than not the Company will not have to sell the security before recovery of its cost basis, it recognizes the credit component of an other-than-temporary impairment (“OTTI”) of a debt security in earnings and the remaining portion in other comprehensive income. For held-to-maturity debt securities, the amount of an OTTI recorded in other comprehensive income for the noncredit portion of a previous OTTI is amortized prospectively over the remaining life of the security on the basis of the timing of future estimated cash flows of the security. The Company’s consolidated statements of income reflect the full impairment (that is, the difference between the security’s amortized cost basis and fair value) on debt securities that the Company intends to sell or would more likely than not be required to sell before the expected recovery of the amortized cost basis. For available-for-sale and held-to-maturity debt securities that management has no intent to sell and believes that it more likely than not will not be required to sell prior to recovery, only the credit loss component of the impairment is recognized in earnings, while the noncredit loss is recognized in accumulated other comprehensive income. The credit loss component recognized in earnings is identified as the amount of principal cash flows not expected to be received over the remaining term of the security based on cash flow projections. For equity securities, if any, when the Company has decided to sell an impaired available-for-sale security and the Company does not expect the fair value of the security to fully recover before the expected time of sale, the security is deemed OTTI in the period in which the decision to sell is made. The Company recognizes an impairment loss when the impairment is deemed other-than-temporary even if a decision to sell has not been made. Mortgage Loans Held for Sale Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or fair value in the aggregate. Write-downs to fair value are recognized as a charge to earnings at the time the decline in value occurs. Nonbinding forward commitments to sell individual mortgage loans are generally obtained to reduce market risk on mortgage loans in the process of origination and mortgage loans held for sale. Gains and losses resulting from sales of mortgage loans are recognized when the respective loans are sold to investors. Fees received from borrowers to guarantee the funding of mortgage loans held for sale and fees paid to investors to ensure the ultimate sale of such mortgage loans are recognized as income or expense when the loans are sold or when it becomes evident that the commitment will not be used. Loans Originated by the Company Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at their outstanding principal balances adjusted for any charge-offs, the allowance for loan losses, any deferred fees or costs on originated loans and unamortized premiums or discounts on purchased loans. Interest income is reported on the interest method and includes amortization of net deferred loan fees and costs over the loan term. Past due status is based on the contractual terms of a loan. Generally, loans are placed on nonaccrual status at 90 days past due and interest is considered a loss, unless the loan is well secured and in the process of collection. Payments received on nonaccrual loans are applied to principal until the loans are returned to accrual status. Loans are returned to accrual status when all payments contractually due are brought current, payment performance is sustained for a period of time, generally six months, and future payments are reasonably assured. With the exception of consumer loans, charge-offs on loans are recorded when available information indicates a loan is not fully collectible and the loss is reasonably quantifiable. Consumer loans are charged-off at specified delinquency dates consistent with regulatory guidelines. Allowance for Loan Losses The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired. For loans classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non-classified loans and is based on historical charge-off experience and expected loss given default derived from the Company’s internal risk rating process. Other adjustments may be made to the allowance for certain loan segments after an assessment of internal or external influences on credit quality that are not fully reflected in the historical loss or risk rating data. A loan is considered impaired when, based on current information and events, it is probable that not all of the principal and interest due under the loan agreement will be collected in accordance with contractual terms. For non-homogeneous loans, such as commercial loans, management determines which loans are reviewed for impairment based on information obtained by account officers, weekly past due meetings, various analyses including annual reviews of large loan relationships, calculations of loan debt coverage ratios as financial information is obtained and periodic reviews of all loans over $1.0 million. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length and reasons for the delay, the borrower’s prior payment record and the amount of any collateral shortfall in relation to the principal and interest owed. Large groups of smaller balance homogenous loans, such as consumer and residential loans, are collectively evaluated for impairment. In accordance with regulatory guidelines, impairment in the consumer and mortgage loan portfolio is primarily identified based on past-due status. Consumer and mortgage loans which are over 90 days past due or specifically identified as troubled debt restructurings will generally be individually evaluated for impairment. Impairment is measured on a loan-by-loan basis for both homogeneous and non-homogeneous loans by either the present value of expected future cash flows or the fair value of the collateral if the loan is collateral dependent. Payments made on impaired loans are treated in accordance with the accrual status of the loan. If loans are performing in accordance with their contractual terms but the ultimate collectability of principal and interest is questionable, payments are applied to principal only. Loans Acquired in Business Combinations Loans acquired in business combinations under ASC Topic 805, Business Combinations Fair Value Measurements and Disclosures For acquired loans not acquired in conjunction with an FDIC-assisted transaction that are not considered to be purchased credit-impaired loans, the Company evaluates those loans acquired in accordance with the provisions of ASC Topic 310-20, Nonrefundable Fees and Other Costs Loans and Debt Securities Acquired with Deteriorated Credit Quality The Company evaluates all of its loans acquired in conjunction with its FDIC-assisted transactions in accordance with the provisions of ASC Topic 310-30. For purposes of applying ASC 310-30, loans acquired in FDIC-assisted business combinations are aggregated into pools of loans with common risk characteristics. All loans acquired in the FDIC transactions, both covered and not covered by loss sharing agreements, were deemed to be purchased credit-impaired loans as there is general evidence of credit deterioration since origination in the pools and there is some probability that not all contractually required payments will be collected. As a result, related discounts are recognized subsequently through accretion based on changes in the expected cash flows of these acquired loans. The expected cash flows of the acquired loan pools in excess of the fair values recorded is referred to as the accretable yield and is recognized in interest income over the remaining estimated lives of the loan pools for impaired loans accounted for under ASC Topic 310-30. Subsequent to acquisition date, the Company has estimated cash flows expected to be collected on pools of loans sharing common risk characteristics, which are treated in the aggregate when applying various valuation techniques. Increases in the Company’s cash flow expectations have been recognized as increases to the accretable yield while decreases have been recognized as impairments through the allowance for loan losses. FDIC Indemnification Asset Through two FDIC-assisted transactions during 2009, one during 2011 and one during 2012, the Bank acquired certain loans and foreclosed assets which were covered under loss sharing agreements with the FDIC. These agreements committed the FDIC to reimburse the Bank for a portion of realized losses on these covered assets. Therefore, as of the dates of acquisitions, the Company calculated the amount of such reimbursements it expected to receive from the FDIC using the present value of anticipated cash flows from the covered assets based on the credit adjustments estimated for each pool of loans and the estimated losses on foreclosed assets. In accordance with FASB ASC 805, each FDIC Indemnification Asset was initially recorded at its fair value, and was measured separately from the loan assets and foreclosed assets because the loss sharing agreements were not contractually embedded in them or transferrable with them in the event of disposal. The balance of the FDIC Indemnification Asset increased and decreased as the expected and actual cash flows from the covered assets fluctuated, as loans were paid off or impaired and as loans and foreclosed assets were sold. There were no contractual interest rates on the contractual receivables from the FDIC; however, a discount was recorded against the initial balance of the FDIC Indemnification Asset in conjunction with the fair value measurement as the receivable was to be collected over the terms of the loss sharing agreements. This discount was accreted to income up until the termination of the loss sharing agreements. During 2016 and 2017, the Company and the FDIC mutually agreed to terminate all of these loss sharing agreements prior to their contractual termination dates. These acquisitions and agreements are more fully discussed in Note 4 Other Real Estate Owned and Repossessions Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less estimated cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less estimated cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in net expense on foreclosed assets. Other real estate owned also includes bank premises formerly, but no longer, used for banking, as well as property originally acquired for future expansion but no longer intended to be used for that purpose. Premises and Equipment Premises and equipment are stated at cost less accumulated depreciation. Depreciation is charged to expense using the straight-line and accelerated methods over the estimated useful lives of the assets. Leasehold improvements are capitalized and amortized using the straight-line and accelerated methods over the terms of the respective leases or the estimated useful lives of the improvements, whichever is shorter. Material lease obligations consist of leases for various loan offices and banking centers, all of which are categorized as “operating leases.” Under current accounting guidance, lessees are required to recognize a lease liability and a right-of-use asset for these leases. This right-of-use asset is included in Premises and Equipment. Long-Lived Asset Impairment The Company evaluates the recoverability of the carrying value of long-lived assets whenever events or circumstances indicate the carrying amount may not be recoverable. If a long-lived asset is tested for recoverability and the undiscounted estimated future cash flows expected to result from the use and eventual disposition of the asset is less than the carrying amount of the asset, the asset cost is adjusted to fair value and an impairment loss is recognized as the amount by which the carrying amount of a long-lived asset exceeds its fair value. No asset impairment was recognized during the years ended December 31, 2019, 2018 and 2017. At December 31, 2019, the remaining valuation allowance related to various properties was $220,000. Goodwill and Intangible Assets Goodwill is evaluated annually for impairment or more frequently if impairment indicators are present. A qualitative assessment is performed to determine whether the existence of events or circumstances leads to a determination that it is more likely than not the fair value is less than the carrying amount, including goodwill. If, based on the evaluation, it is determined to be more likely than not that the fair value is less than the carrying value, then goodwill is tested further for impairment. If the implied fair value of goodwill is lower than its carrying amount, a goodwill impairment is indicated and goodwill is written down to its implied fair value. Subsequent increases in goodwill fair value are not recognized in the financial statements. Intangible assets are being amortized on the straight-line basis generally over a period of seven years. Such assets are periodically evaluated as to the recoverability of their carrying value. A summary of goodwill and intangible assets is as follows: December 31, 2019 2018 (In Thousands) Goodwill – Branch acquisitions $ 5,396 $ 5,396 Deposit intangibles InterBank — 36 Boulevard Bank 153 275 Valley Bank 600 1,000 Fifth Third Bank 1,949 2,581 2,702 3,892 $ 8,098 $ 9,288 Loan Servicing and Origination Fee Income Loan servicing income represents fees earned for servicing real estate mortgage loans owned by various investors. The fees are generally calculated on the outstanding principal balances of the loans serviced and are recorded as income when earned. Loan origination fees, net of direct loan origination costs, are recognized as income using the level-yield method over the contractual life of the loan. Stockholders’ Equity The Company is incorporated in the State of Maryland. Under Maryland law, there is no concept of “Treasury Shares.” Instead, shares purchased by the Company constitute authorized but unissued shares under Maryland law. Accounting principles generally accepted in the United States of America state that accounting for treasury stock shall conform to state law. The cost of shares purchased by the Company has been allocated to common stock and retained earnings balances. Earnings Per Common Share Basic earnings per common share are computed based on the weighted average number of common shares outstanding during each year. Diluted earnings per common share are computed using the weighted average common shares and all potential dilutive common shares outstanding during the period. Earnings per common share (EPS) were computed as follows: 2019 2018 2017 (In Thousands, Except Per Share Data) Net income and net income available to common shareholders $ 73,612 $ 67,109 $ 51,564 Average common shares outstanding 14,201 14,132 14,032 Average common share stock options outstanding 129 128 148 Average diluted common shares 14,330 14,260 14,180 Earnings per common share – basic $ 5.18 $ 4.75 $ 3.67 Earnings per common share – diluted $ 5.14 $ 4.71 $ 3.64 Options outstanding at December 31, 2019, 2018 and 2017, to purchase 201,400, 424,833 and 253,711 shares of common stock, respectively, were not included in the computation of diluted earnings per common share for each of the years because the exercise prices of such options were greater than the average market prices of the common stock for the years ended December 31, 2019, 2018 and 2017, respectively. Stock Compensation Plans The Company has stock-based employee compensation plans, which are described more fully in Note 20 Cash Equivalents The Company considers all liquid investments with original maturities of three months or less to be cash equivalents. At December 31, 2019 and 2018, cash equivalents consisted of interest-bearing deposits in other financial institutions. At December 31, 2019, nearly all of the interest-bearing deposits were uninsured with nearly all of these balances held at the Federal Home Loan Bank or the Federal Reserve Bank. Income Taxes The Company accounts for income taxes in accordance with income tax accounting guidance (FASB ASC 740, Income Taxes Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term “more likely than not” means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances and information available at the reporting date and is subject to management’s judgment. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized. At December 31, 2019 and 2018, no valuation allowance was established. The Company recognizes interest and penalties on income taxes as a component of income tax expense. The Company files consolidated income tax returns with its subsidiaries. Derivatives and Hedging Activities FASB ASC 815, Derivatives and Hedging instruments Note 16 As required by FASB ASC 815, the Company records all derivatives in the statement of financial condition at fair value. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Company has elected to designate a derivative in a hedging relationship Restriction on Cash and Due From Banks The Bank is required to maintain reserve funds in cash and/or on deposit with the Federal Reserve Bank. The reserve required at December 31, 2019 and 2018, respectively, was $69.4 million and $62.6 million . Recent Accounting Pronouncements In February 2016, the FASB issued ASU No. 2016-02, Leases (Topic 842) Codification Improvements to Topic 842, Leases Note 6 In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments – Credit Losses (Topic 326) In January 2017, the FASB issued ASU No. 2017-04, Intangibles: Goodwill and Other: Simplifying the Test for Goodwill Impairment (Topic 350) In August 2018, the FASB issued ASU 2018-13 , Fair Value Measurement (Topic 820) - Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement

Note 2_ Investments in Securiti

Note 2: Investments in Securities	12 Months Ended
	Dec. 31, 2019
Notes
Note 2: Investments in Securities	Note 2: Investments in Securities The amortized cost and fair values of securities classified as available-for-sale were as follows: December 31, 2019 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) Agency mortgage-backed securities $ 156,591 $ 8,716 $ 265 $ 165,042 Agency collateralized mortgage obligations 149,980 2,891 921 151,950 States and political subdivisions 33,757 1,368 — 35,125 Small Business Administration securities 22,132 — 74 22,058 $ 362,460 $ 12,975 $ 1,260 $ 374,175 December 31, 2018 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) Agency mortgage-backed securities $ 154,557 $ 1,272 $ 2,571 $ 153,258 Agency collateralized mortgage obligations 39,024 250 14 39,260 States and political subdivisions 50,022 1,428 — 51,450 $ 243,603 $ 2,950 $ 2,585 $ 243,968 At December 31, 2019, the Company’s agency mortgage-backed securities portfolio consisted of FNMA securities totaling $147.6 million, FHLMC securities totaling $13.3 million and GNMA securities totaling $4.1 million. At December 31, 2019, agency collateralized mortgage obligations consisted of GNMA securities totaling $122.7 million, FNMA securities totaling $23.9 million, and FHLMC securities totaling $5.4 million. At December 31, 2019, $144.3 million of the Company’s agency mortgage-backed securities had fixed rates of interest and $20.7 million had variable rates of interest. At December 31, 2019, $149.9 million of the Company’s agency collateralized mortgage obligations had fixed rates of interest and $2.1 million had variable rates of interest. The amortized cost and fair value of available-for-sale securities at December 31, 2019, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Amortized Fair Cost Value (In Thousands) After one through five years $ — $ — After five through ten years 9,253 9,547 After ten years 24,504 25,578 Securities not due on a single maturity date 328,703 339,050 $ 362,460 $ 374,175 There were no securities classified as held to maturity at December 31, 2019 or December 31, 2018. The amortized cost and fair values of securities pledged as collateral was as follows at December 31, 2019 and 2018: 2019 2018 Amortized Fair Amortized Fair Cost Value Cost Value (In Thousands) Public deposits $ 8,578 $ 8,913 $ 9,482 $ 9,802 Collateralized borrowing accounts 122,771 129,643 148,050 146,337 Other 7,021 7,107 763 761 $ 138,370 $ 145,663 $ 158,295 $ 156,900 Certain investments in debt securities are reported in the financial statements at an amount less than their historical cost. Total fair value of these investments at December 31, 2019 and 2018, was approximately $116.2 million and $95.7 million, respectively, which is approximately 31.1% and 39.2% of the Company’s available-for-sale and held-to-maturity investment portfolio, respectively. Based on evaluation of available evidence, including recent changes in market interest rates, credit rating information and information obtained from regulatory filings, management believes the declines in fair value for these debt securities are temporary. The following table shows the Company’s gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at December 31, 2019 and 2018: 2019 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Losses Value Losses Value Losses (In Thousands) Agency mortgage-backed securities $ — $ — $ 24,762 $ (265) $ 24,762 $ (265) Agency collateralized mortgage obligations 69,372 (921) — — 69,372 (921) Small Business Administration securities 22,058 (74) — — 22,058 (74) States and political subdivisions — — — — — — $ 91,430 $ (995) $ 24,762 $ (265) $ 116,192 $ (1,260) 2018 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Losses Value Losses Value Losses (In Thousands) Agency mortgage-backed securities $ 11,255 $ (82) $ 74,186 $ (2,489) $ 85,441 $ (2,571) Agency collateralized mortgage obligations 9,725 (14) — — 9,725 (14) States and political subdivisions 511 — — — 511 — $ 21,491 $ (96) $ 74,186 $ (2,489) $ 95,677 $ (2,585) Other-than-Temporary Impairment Upon acquisition of a security, the Company decides whether it is within the scope of the accounting guidance for beneficial interests in securitized financial assets or will be evaluated for impairment under the accounting guidance for investments in debt and equity securities. The accounting guidance for beneficial interests in securitized financial assets provides incremental impairment guidance for a subset of the debt securities within the scope of the guidance for investments in debt and equity securities. For securities where the security is a beneficial interest in securitized financial assets, the Company uses the beneficial interests in securitized financial asset impairment model. For securities where the security is not a beneficial interest in securitized financial assets, the Company uses the debt and equity securities impairment model. The Company does not currently have securities within the scope of this guidance for beneficial interests in securitized financial assets. The Company routinely conducts periodic reviews to identify and evaluate each investment security to determine whether an other-than-temporary impairment has occurred. The Company considers the length of time a security has been in an unrealized loss position, the relative amount of the unrealized loss compared to the carrying value of the security, the type of security and other factors. If certain criteria are met, the Company performs additional review and evaluation using observable market values or various inputs in economic models to determine if an unrealized loss is other than temporary. The Company uses quoted market prices for marketable equity securities and uses broker pricing quotes based on observable inputs for equity investments that are not traded on a stock exchange. For non-agency collateralized mortgage obligations, to determine if the unrealized loss is other than temporary, the Company projects total estimated defaults of the underlying assets (mortgages) and multiplies that calculated amount by an estimate of realizable value upon sale in the marketplace (severity) in order to determine the projected collateral loss. The Company also evaluates any current credit enhancement underlying these securities to determine the impact on cash flows. If the Company determines that a given security position will be subject to a write-down or loss, the Company records the expected credit loss as a charge to earnings. During 2019, 2018 and 2017, no securities were determined to have impairment that had become other-than-temporary. Credit Losses Recognized on Investments During 2019, 2018 and 2017, there were no debt securities that experienced fair value deterioration due to credit losses, as well as due to other market factors, but are not otherwise other-than-temporarily impaired.

Note 3_ Loans and Allowance for

Note 3: Loans and Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2019
Notes
Note 3: Loans and Allowance for Loan Losses	Note 3: Loans and Allowance for Loan Losses Classes of loans at December 31, 2019 and 2018, included: 2019 2018 (In Thousands) One- to four-family residential construction $ 33,963 $ 26,177 Subdivision construction 16,088 13,844 Land development 40,431 44,492 Commercial construction 1,322,861 1,417,166 Owner occupied one- to four-family residential 387,016 276,866 Non-owner occupied one- to four-family residential 120,343 122,438 Commercial real estate 1,494,172 1,371,435 Other residential 866,006 784,894 Commercial business 313,209 322,118 Industrial revenue bonds 13,189 13,940 Consumer auto 151,854 253,528 Consumer other 46,720 57,350 Home equity lines of credit 118,988 121,352 Loans acquired and accounted for under ASC 310-30, net of discounts 127,206 167,651 5,052,046 4,993,251 Undisbursed portion of loans in process (850,666) (958,441) Allowance for loan losses (40,294) (38,409) Deferred loan fees and gains, net (7,104) (7,400) $ 4,153,982 $ 3,989,001 Classes of loans by aging were as follows: December 31, 2019 Total Loans Over 90 Total > 90 Days Past 30-59 Days 60-89 Days Days Total Past Loans Due and Past Due Past Due Past Due Due Current Receivable Still Accruing (In Thousands) One- to four-family residential construction $ — $ — $ — $ — $ 33,963 $ 33,963 $ — Subdivision construction — — — — 16,088 16,088 — Land development — 27 — 27 40,404 40,431 — Commercial construction 15,085 — — 15,085 1,307,776 1,322,861 — Owner occupied one- to four- family residential 1,453 1,631 1,198 4,282 382,734 387,016 — Non-owner occupied one- to four-family residential 152 — 181 333 120,010 120,343 — Commercial real estate 549 119 632 1,300 1,492,872 1,494,172 — Other residential 376 — — 376 865,630 866,006 — Commercial business 60 — 1,235 1,295 311,914 313,209 — Industrial revenue bonds — — — — 13,189 13,189 — Consumer auto 1,101 259 558 1,918 149,936 151,854 — Consumer other 278 233 198 709 46,011 46,720 — Home equity lines of credit 296 — 517 813 118,175 118,988 — Loans acquired and accounted for under ASC 310-30, net of discounts 2,177 709 6,191 9,077 118,129 127,206 — 21,527 2,978 10,710 35,215 5,016,831 5,052,046 — Less: Loans acquired and accounted for under ASC 310-30, net of discounts 2,177 709 6,191 9,077 118,129 127,206 — Total $ 19,350 $ 2,269 $ 4,519 $ 26,138 $ 4,898,702 $ 4,924,840 $ — December 31, 2018 Total Loans Over 90 Total > 90 Days Past 30-59 Days 60-89 Days Days Total Past Loans Due and Past Due Past Due Past Due Due Current Receivable Still Accruing (In Thousands) One- to four-family residential construction $ — $ — $ — $ — $ 26,177 $ 26,177 $ — Subdivision construction — — — — 13,844 13,844 — Land development 13 — 49 62 44,430 44,492 — Commercial construction — — — — 1,417,166 1,417,166 — Owner occupied one- to four- family residential 1,431 806 1,206 3,443 273,423 276,866 — Non-owner occupied one- to four-family residential 1,142 144 1,458 2,744 119,694 122,438 — Commercial real estate 3,940 53 334 4,327 1,367,108 1,371,435 — Other residential — — — — 784,894 784,894 — Commercial business 72 54 1,437 1,563 320,555 322,118 — Industrial revenue bonds 3 — — 3 13,937 13,940 — Consumer auto 2,596 722 1,490 4,808 248,720 253,528 — Consumer other 691 181 240 1,112 56,238 57,350 — Home equity lines of credit 229 — 86 315 121,037 121,352 — Loans acquired and accounted for under ASC 310-30, net of discounts 2,195 1,416 6,827 10,438 157,213 167,651 — 12,312 3,376 13,127 28,815 4,964,436 4,993,251 — Less: Loans acquired and accounted for under ASC 310-30, net of discounts 2,195 1,416 6,827 10,438 157,213 167,651 — Total $ 10,117 $ 1,960 $ 6,300 $ 18,377 $ 4,807,223 $ 4,825,600 $ — Non-accruing loans are summarized as follows: December 31, 2019 2018 (In Thousands) One- to four-family residential construction $ — $ — Subdivision construction — 49 Land development — — Commercial construction — — Owner occupied one- to four-family residential 1,198 1,206 Non-owner occupied one- to four-family residential 181 1,458 Commercial real estate 632 334 Other residential — — Commercial business 1,235 1,437 Industrial revenue bonds — — Consumer auto 558 1,490 Consumer other 198 240 Home equity lines of credit 517 86 Total $ 4,519 $ 6,300 The following tables present the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2019, 2018 and 2017, respectively. Also presented are the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of the years ended December 31, 2019, 2018, and 2017, respectively: December 31, 2019 One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for Loan Losses Balance, January 1, 2019 $ 3,122 $ 4,713 $ 19,803 $ 3,105 $ 1,568 $ 6,098 $ 38,409 Provision (benefit) charged to expense 1,625 603 4,651 22 (309) (442) 6,150 Losses charged off (534) (189) (144) (101) (371) (6,723) (8,062) Recoveries 126 26 24 50 467 3,104 3,797 Balance, December 31, 2019 $ 4,339 $ 5,153 $ 24,334 $ 3,076 $ 1,355 $ 2,037 $ 40,294 Ending balance: Individually evaluated for impairment $ 198 $ — $ 517 $ — $ 13 $ 201 $ 929 Collectively evaluated for impairment $ 3,973 $ 5,101 $ 23,570 $ 2,940 $ 1,306 $ 1,814 $ 38,704 Loans acquired and accounted for under ASC 310-30 $ 168 $ 52 $ 247 $ 136 $ 36 $ 22 $ 661 Loans Individually evaluated for impairment $ 2,960 $ — $ 4,020 $ — $ 1,286 $ 2,001 $ 10,267 Collectively evaluated for impairment $ 554,450 $ 866,006 $ 1,490,152 $ 1,363,292 $ 325,112 $ 315,561 $ 4,914,573 Loans acquired and accounted for under ASC 310-30 $ 74,562 $ 5,334 $ 29,158 $ 3,606 $ 3,356 $ 11,190 $ 127,206 December 31, 2018 One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for Loan Losses Balance, January 1, 2018 $ 2,108 $ 2,839 $ 18,639 $ 1,767 $ 3,581 $ 7,558 $ 36,492 Provision (benefit) charged to expense 742 1,982 1,094 1,031 (1,613) 3,914 7,150 Losses charged off (62) (525) (102) (87) (1,155) (9,425) (11,356) Recoveries 334 417 172 394 755 4,051 6,123 Balance, December 31, 2018 $ 3,122 $ 4,713 $ 19,803 $ 3,105 $ 1,568 $ 6,098 $ 38,409 Ending balance: Individually evaluated for impairment $ 694 $ — $ 613 $ — $ 309 $ 425 $ 2,041 Collectively evaluated for impairment $ 2,392 $ 4,681 $ 18,958 $ 3,029 $ 1,247 $ 5,640 $ 35,947 Loans acquired and accounted for under ASC 310-30 $ 36 $ 32 $ 232 $ 76 $ 12 $ 33 $ 421 Loans Individually evaluated for impairment $ 6,116 $ — $ 3,501 $ 14 $ 1,844 $ 2,464 $ 13,939 Collectively evaluated for impairment $ 433,209 $ 784,894 $ 1,367,934 $ 1,461,644 $ 334,214 $ 429,766 $ 4,811,661 Loans acquired and accounted for under ASC 310-30 $ 93,841 $ 12,790 $ 33,620 $ 4,093 $ 4,347 $ 18,960 $ 167,651 December 31, 2017 One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for Loan Losses Balance, January 1, 2017 $ 2,322 $ 5,486 $ 15,938 $ 2,284 $ 3,015 $ 8,355 $ 37,400 Provision (benefit) charged to expense (158) (2,356) 4,234 (643) 1,475 6,548 9,100 Losses charged off (165) (488) (1,656) (420) (1,489) (11,859) (16,077) Recoveries 109 197 123 546 580 4,514 6,069 Balance, December 31, 2017 $ 2,108 $ 2,839 $ 18,639 $ 1,767 $ 3,581 $ 7,558 $ 36,492 Ending balance: Individually evaluated for impairment $ 513 $ — $ 599 $ — $ 2,140 $ 699 $ 3,951 Collectively evaluated for impairment $ 1,564 $ 2,813 $ 17,843 $ 1,690 $ 1,369 $ 6,802 $ 32,081 Loans acquired and accounted for under ASC 310-30 $ 31 $ 26 $ 197 $ 77 $ 72 $ 57 $ 460 Loans Individually evaluated for impairment $ 6,950 $ 2,907 $ 8,315 $ 15 $ 3,018 $ 4,129 $ 25,334 Collectively evaluated for impairment $ 341,888 $ 742,738 $ 1,227,014 $ 1,112,308 $ 372,192 $ 531,820 $ 4,327,960 Loans acquired and accounted for under ASC 310-30 $ 120,295 $ 14,877 $ 39,210 $ 3,806 $ 5,275 $ 26,206 $ 209,669 The portfolio segments used in the preceding three tables correspond to the loan classes used in all other tables in Note 3 · · · · · · The weighted average interest rate on loans receivable at December 31, 2019 and 2018, was 4.97% and 5.16%, respectively. Loans serviced for others are not included in the accompanying consolidated statements of financial condition. The unpaid principal balance of loans serviced for others at December 31, 2019, was $349.9 million, consisting of $283.0 million of commercial loan participations sold to other financial institutions and $66.9 million of residential mortgage loans sold. The unpaid principal balance of loans serviced for others at December 31, 2018, was $260.2 million, consisting of $181.5 million of commercial loan participations sold to other financial institutions and $78.7 million of residential mortgage loans sold. In addition, available lines of credit on these loans were $102.1 million and $121.0 million at December 31, 2019 and 2018, respectively. A loan is considered impaired, in accordance with the impairment accounting guidance (FASB ASC 310-10-35-16) when, based on current information and events, it is probable the Company will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include not only nonperforming loans but also loans modified in troubled debt restructurings where concessions have been granted to borrowers experiencing financial difficulties. The following summarizes information regarding impaired loans at and during the years ended December 31, 2019, 2018 and 2017: Year Ended December 31, 2019 December 31, 2019 Average Unpaid Investment Interest Recorded Principal Specific in Impaired Income Balance Balance Allowance Loans Recognized (In Thousands) One- to four-family residential construction $ — $ — $ — $ — $ — Subdivision construction 251 251 96 277 9 Land development — — — 328 101 Commercial construction — — — — — Owner occupied one- to four-family residential 2,300 2,423 82 2,598 131 Non-owner occupied one- to four-family residential 409 574 20 954 43 Commercial real estate 4,020 4,049 517 4,940 264 Other residential — — — — — Commercial business 1,286 1,771 13 1,517 81 Industrial revenue bonds — — — — — Consumer auto 1,117 1,334 181 1,128 125 Consumer other 356 485 16 383 48 Home equity lines of credit 528 548 4 362 37 Total $ 10,267 $ 11,435 $ 929 $ 12,487 $ 839 Year Ended December 31, 2018 December 31, 2018 Average Unpaid Investment Interest Recorded Principal Specific in Impaired Income Balance Balance Allowance Loans Recognized (In Thousands) One- to four-family residential construction $ — $ — $ — $ — $ — Subdivision construction 318 318 105 321 17 Land development 14 18 — 14 1 Commercial construction — — — — — Owner occupied one- to four-family residential 3,576 3,926 285 3,406 197 Non-owner occupied one- to four-family residential 2,222 2,519 304 2,870 158 Commercial real estate 3,501 3,665 613 6,216 337 Other residential — — — 1,026 20 Commercial business 1,844 2,207 309 2,932 362 Industrial revenue bonds — — — — — Consumer auto 1,874 2,114 336 2,069 167 Consumer other 479 684 72 738 59 Home equity lines of credit 111 128 17 412 28 Total $ 13,939 $ 15,579 $ 2,041 $ 20,004 $ 1,346 Year Ended December 31, 2017 December 31, 2017 Average Unpaid Investment Interest Recorded Principal Specific in Impaired Income Balance Balance Allowance Loans Recognized (In Thousands) One- to four-family residential construction $ — $ — $ — $ 193 $ — Subdivision construction 349 367 114 584 22 Land development 15 18 — 1,793 24 Commercial construction — — — — — Owner occupied one- to four-family residential 3,405 3,723 331 3,405 166 Non-owner occupied one- to four-family residential 3,196 3,465 68 2,419 165 Commercial real estate 8,315 8,490 599 9,075 567 Other residential 2,907 2,907 — 3,553 147 Commercial business 3,018 4,222 2,140 5,384 173 Industrial revenue bonds — — — — — Consumer auto 2,713 2,898 484 2,383 222 Consumer other 825 917 124 906 69 Home equity lines of credit 591 648 91 498 33 Total $ 25,334 $ 27,655 $ 3,951 $ 30,193 $ 1,588 At December 31, 2019, $5.2 million of impaired loans had specific valuation allowances totaling $929,000. At December 31, 2018, $8.4 million of impaired loans had specific valuation allowances totaling $2.0 million. At December 31, 2017, $12.7 million of impaired loans had specific valuation allowances totaling $4.0 million. For impaired loans which were non-accruing, interest of approximately $761,000, $1.0 million and $1.2 million would have been recognized on an accrual basis during the years ended December 31, 2019, 2018 and 2017, respectively. Included in certain loan categories in the impaired loans are troubled debt restructurings that were classified as impaired. Troubled debt restructurings are loans that are modified by granting concessions to borrowers experiencing financial difficulties. These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. The types of concessions made are factored into the estimation of the allowance for loan losses for troubled debt restructurings primarily using a discounted cash flows or collateral adequacy approach. The following table presents newly restructured loans during the years ended December 31, 2019, 2018 and 2017 by type of modification: 2019 Total Interest Only Term Combination Modification (In Thousands) Consumer $ — $ 136 $ — $ 136 $ — $ 136 $ — $ 136 2018 Total Interest Only Term Combination Modification (In Thousands) Mortgage loans on real estate: Residential one-to-four family $ 1,348 $ — $ — $ 1,348 Construction and land development — 31 — 31 Commercial — — 106 106 Consumer — 535 — 535 $ 1,348 $ 566 $ 106 $ 2,020 2017 Total Interest Only Term Combination Modification (In Thousands) Mortgage loans on real estate: Commercial $ — $ — $ 5,759 $ 5,759 Commercial business — 16 274 290 Consumer — 245 — 245 $ — $ 261 $ 6,033 $ 6,294 At December 31, 2019, the Company had $1.9 million of loans that were modified in troubled debt restructurings and impaired, as follows: $251,000 of construction and land development loans, $768,000 of single family residential mortgage loans, $412,000 of commercial real estate loans, $156,000 of commercial business loans and $343,000 of consumer loans. Of the total troubled debt restructurings at December 31, 2019, $1.4 million were accruing interest and $562,000 were classified as substandard using the Company’s internal grading system which is described below. The Company had no troubled debt restructurings which were modified in the previous 12 months and subsequently defaulted during the year ended December 31, 2019. When loans modified as troubled debt restructuring have subsequent payment defaults, the defaults are factored into the determination of the allowance for loan losses to ensure specific valuation allowances reflect amounts considered uncollectible. At December 31, 2018, the Company had $6.9 million of loans that were modified in troubled debt restructurings and impaired, as follows: $283,000 of construction and land development loans, $3.9 million of single family residential mortgage loans, $1.3 million of commercial real estate loans, $548,000 of commercial business loans, and $803,000 of consumer loans. Of the total troubled debt restructurings at December 31, 2018, $4.7 million were accruing interest and $2.5 million were classified as substandard using the Company’s internal grading system. During the year ended December 31, 2019, borrowers with loans designated as troubled debt restructurings totaling $63,000, all of which consisted of consumer loans, met the criteria for placement back on accrual status. This criteria is generally a minimum of six months of consistent and timely payment performance under original or modified terms. The Company reviews the credit quality of its loan portfolio using an internal grading system that classifies loans as “Satisfactory,” “Watch,” “Special Mention,” “Substandard” and “Doubtful.” Loans classified as watch are being monitored because of indications of potential weaknesses or deficiencies that may require future classification as special mention or substandard. Special mention loans possess potential weaknesses that deserve management’s close attention but do not expose the Bank to a degree of risk that warrants substandard classification. Substandard loans are characterized by the distinct possibility that the Bank will sustain some loss if certain deficiencies are not corrected. Doubtful loans are those having all the weaknesses inherent to those classified Substandard with the added characteristics that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. Loans not meeting any of the criteria previously described are considered satisfactory. The FDIC-assisted acquired loans are evaluated using this internal grading system. These loans are accounted for in pools. Minimal adverse classification in these acquired loan pools was identified as of December 31, 2019 and 2018 respectively. See Note 4 The Company evaluates the loan risk internal grading system definitions and allowance for loan loss methodology on an ongoing basis. The general component of the allowance for loan losses is affected by several factors, including, but not limited to, average historical losses, average life of the loans, current composition of the loan portfolio, current and expected economic conditions, collateral values and internal risk ratings. Management considers all these factors in determining the adequacy of the Company’s allowance for loan losses. No significant changes were made to the loan risk grading system definitions and allowance for loan loss methodology during the past year. The loan grading system is presented by loan class below: December 31, 2019 Special Satisfactory Watch Mention Substandard Doubtful Total (In Thousands) One- to four-family residential construction $ 33,963 $ — $ — $ — $ — $ 33,963 Subdivision construction 16,061 27 — — — 16,088 Land development 40,431 — — — — 40,431 Commercial construction 1,322,861 — — — — 1,322,861 Owner occupied one- to-four- family residential 385,001 26 — 1,989 — 387,016 Non-owner occupied one- to- four-family residential 119,743 419 — 181 — 120,343 Commercial real estate 1,458,400 32,063 — 3,709 — 1,494,172 Other residential 866,006 — — — — 866,006 Commercial business 307,322 4,651 — 1,236 — 313,209 Industrial revenue bonds 13,189 — — — — 13,189 Consumer auto 150,874 47 — 933 — 151,854 Consumer other 46,294 92 — 334 — 46,720 Home equity lines of credit 118,428 43 — 517 — 118,988 Loans acquired and accounted for under ASC 310-30, net of discounts 127,192 — — 14 — 127,206 Total $ 5,005,765 $ 37,368 $ — $ 8,913 $ — $ 5,052,046 December 31, 2018 Special Satisfactory Watch Mention Substandard Doubtful Total (In Thousands) One- to four-family residential construction $ 25,803 $ 374 $ — $ — $ — $ 26,177 Subdivision construction 12,077 1,718 — 49 — 13,844 Land development 39,892 4,600 — — — 44,492 Commercial construction 1,417,166 — — — — 1,417,166 Owner occupied one- to-four- family residential 274,661 43 — 2,162 — 276,866 Non-owner occupied one- to- four-family residential 119,951 941 — 1,546 — 122,438 Commercial real estate 1,357,987 11,061 — 2,387 — 1,371,435 Other residential 784,393 501 — — — 784,894 Commercial business 315,518 5,163 — 1,437 — 322,118 Industrial revenue bonds 13,940 — — — — 13,940 Consumer auto 251,824 116 — 1,588 — 253,528 Consumer other 56,859 157 — 334 — 57,350 Home equity lines of credit 121,134 118 — 100 — 121,352 Loans acquired and accounted for under ASC 310-30, net of discounts 167,632 — — 19 — 167,651 Total $ 4,958,837 $ 24,792 $ — $ 9,622 $ — $ 4,993,251 Certain of the Bank’s real estate loans are pledged as collateral for borrowings as set forth in Notes 9 11 Certain directors and executive officers of the Company and the Bank, and their related interests, are customers of and had transactions with the Bank in the ordinary course of business. Except for the interest rates on loans secured by personal residences, in the opinion of management, all loans included in such transactions were made on substantially the same terms as those prevailing at the time for comparable transactions with unrelated parties. Generally, residential first mortgage loans and home equity lines of credit to all employees and directors have been granted at interest rates equal to the Bank’s cost of funds, subject to annual adjustments in the case of residential first mortgage loans and monthly adjustments in the case of home equity lines of credit. At December 31, 2019 and 2018, loans outstanding to these directors and executive officers, and their related interests, are summarized as follows: 2019 2018 (In Thousands) Balance, beginning of year $ 29,017 $ 40,041 New loans 15,062 17,141 Payments (28,839) (28,165) Balance, end of year $ 15,240 $ 29,017

Note 4_ Acquired Loans, Loss Sh

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets	12 Months Ended
	Dec. 31, 2019
Notes
Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets	Note 4: FDIC-Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets TeamBank On March 20, 2009, Great Southern Bank entered into a purchase and assumption agreement with loss share with the Federal Deposit Insurance Corporation (FDIC) to assume all of the deposits (excluding brokered deposits) and acquire certain assets of TeamBank, N.A., a full service commercial bank headquartered in Paola, Kansas. The loans, commitments and foreclosed assets purchased in the TeamBank transaction were covered by a loss sharing agreement between the FDIC and Great Southern Bank. This agreement originally was to extend for ten years for 1-4 family real estate loans and for five years for other loans. The five-year period ended March 31, 2014 and the ten-year period was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC. See “Loss Sharing Agreements” below. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. Vantus Bank On September 4, 2009, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Vantus Bank, a full service thrift headquartered in Sioux City, Iowa. The loans, commitments and foreclosed assets purchased in the Vantus Bank transaction were covered by a loss sharing agreement between the FDIC and Great Southern Bank. This agreement originally was to extend for ten years for 1-4 family real estate loans and for five years for other loans. The five year period ended September 30, 2014 and the ten-year period was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC. See “Loss Sharing Agreements” below. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. Sun Security Bank On October 7, 2011, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Sun Security Bank, a full service bank headquartered in Ellington, Missouri. The loans and foreclosed assets purchased in the Sun Security Bank transaction were covered by a loss sharing agreement between the FDIC and Great Southern Bank. This agreement originally was to extend for ten years for 1-4 family real estate loans and for five years for other loans but was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC. See “Loss Sharing Agreements” below. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. InterBank On April 27, 2012, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Inter Savings Bank, FSB (“InterBank”), a full service bank headquartered in Maple Grove, Minnesota. The loans and foreclosed assets purchased in the InterBank transaction were covered by a loss sharing agreement between the FDIC and Great Southern Bank. This agreement originally was to extend for ten years for 1-4 family real estate loans and for five years for other loans but was terminated early, effective June 9, 2017, by mutual agreement of Great Southern Bank and the FDIC. See “Loss Sharing Agreements” below. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. A premium was recorded in conjunction with the fair value of the acquired loans and the amount amortized to yield during 2019, 2018 and 2017 was $99 ,000, $175 ,000 and $269 ,000, respectively. Valley Bank On June 20, 2014, Great Southern Bank entered into a purchase and assumption agreement with the FDIC to purchase a substantial portion of the loans and investment securities, as well as certain other assets, and assume all of the deposits, as well as certain other liabilities, of Valley Bank, a full-service bank headquartered in Moline, Illinois, with significant operations in Iowa. This transaction did not include a loss sharing agreement. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. A premium was recorded in conjunction with the fair value of the acquired loans and the amount amortized to yield during 2019, 2018 and 2017 was $0 , $11 ,000 and $217 ,000, respectively. Loss Sharing Agreements On April 26, 2016, Great Southern Bank executed an agreement with the FDIC to terminate the loss sharing agreements for Team Bank, Vantus Bank and Sun Security Bank, effective immediately. The agreement required the FDIC to pay $4.4 million to settle all outstanding items related to the terminated loss sharing agreements. As a result of entering into the termination agreement, assets that were covered by the terminated loss sharing agreements were reclassified as non-covered assets effective April 26, 2016. All rights and obligations of the Bank and the FDIC under the terminated loss sharing agreements, including the settlement of all existing loss sharing and expense reimbursement claims, have been resolved and terminated. On June 9, 2017, Great Southern Bank executed an agreement with the FDIC to terminate the loss sharing agreements for InterBank, effective immediately. Pursuant to the termination agreement, the FDIC paid $15.0 million to the Bank to settle all outstanding items related to the terminated loss sharing agreements. The Company recorded a pre-tax gain on the termination of $7.7 million . As a result of entering into the termination agreement, assets that were covered by the terminated loss sharing arrangements were reclassified as non-covered assets effective June 9, 2017. All rights and obligations of the Bank and the FDIC under the terminated loss sharing agreements, including the settlement of all existing loss sharing and expense reimbursement claims, have been resolved and terminated. The terminations of the loss sharing agreements for the TeamBank, Vantus Bank, Sun Security Bank and InterBank transactions have had no impact on the yields for the loans that were previously covered under these agreements. All post-termination recoveries, gains, losses and expenses related to these previously covered assets are recognized entirely by Great Southern Bank since the FDIC no longer shares in such gains or losses. Accordingly, the Company’s earnings are positively impacted to the extent the Company recognizes gains on any sales or recoveries in excess of the carrying value of such assets. Similarly, the Company’s future earnings are negatively impacted to the extent the Company recognizes expenses, losses or charge-offs related to such assets. The following table presents the balances of the acquired loans related to the various FDIC-assisted transactions at December 31, 2019 and December 31, 2018. Sun Security TeamBank Vantus Bank Bank InterBank Valley Bank (In Thousands) December 31, 2019 Gross loans receivable $ 7,304 $ 9,899 $ 17,906 $ 60,430 $ 41,032 Balance of accretable discount due to change in expected losses (159) (89) (374) (5,143) (1,803) Net carrying value of loans receivable (7,118) (9,797) (17,392) (54,442) (38,452) Expected loss remaining $ 27 $ 13 $ 140 $ 845 $ 777 December 31, 2018 Gross loans receivable $ 10,602 14,097 $ 21,171 $ 85,205 $ 53,470 Balance of accretable discount due to change in expected losses (399) (58) (342) (1,695) (169) Net carrying value of loans receivable (10,106) (13,809) (20,171) (74,436) (49,124) Expected loss remaining $ 97 $ 230 $ 658 $ 9,074 $ 4,177 Fair Value and Expected Cash Flows At the time of these acquisitions, the Company determined the fair value of the loan portfolios based on several assumptions. Factors considered in the valuations were projected cash flows for the loans, type of loan and related collateral, classification status, fixed or variable interest rate, term of loan, current discount rates and whether or not the loan was amortizing. Loans were grouped together according to similar characteristics and were treated in the aggregate when applying various valuation techniques. Management also estimated the amount of credit losses that were expected to be realized for the loan portfolios. The discounted cash flow approach was used to value each pool of loans. For non-performing loans, fair value was estimated by calculating the present value of the recoverable cash flows using a discount rate based on comparable corporate bond rates. This valuation of the acquired loans is a significant component leading to the valuation of the loss sharing assets recorded. The amount of the estimated cash flows expected to be received from the acquired loan pools in excess of the fair values recorded for the loan pools is referred to as the accretable yield. The accretable yield is recognized as interest income over the estimated lives of the loans. On an ongoing basis, the Company has evaluated the fair value of the loans including cash flows expected to be collected. Increases in the Company’s cash flow expectations are recognized as increases to the accretable yield while decreases are recognized as impairments through the allowance for loan losses. During the years ended December 31, 2019, 2018 and 2017, improvements in expected cash flows related to the acquired loan portfolios resulted in adjustments to the accretable yield to be spread over the estimated remaining lives of the loans on a level-yield basis. The increases in expected cash flows also reduced the amount of expected reimbursements under the loss sharing agreements, when applicable, until they were terminated or expired. This resulted in corresponding adjustments during the year ended December 31, 2017, to the indemnification assets (which during 2017 were reduced to $-0- due to the termination of the loss sharing agreements). The amounts of these adjustments were as follows: Year Ended December 31, 2019 2018 2017 (In Thousands) Increase in accretable yield due to increased cash flow expectations $ 12,323 $ 5,202 $ 1,333 The adjustments, along with those made in previous years, impacted the Company’s Consolidated Statements of Income as follows: Year Ended December 31, 2019 2018 2017 (In Thousands) Interest income $ 7,431 $ 5,134 $ 5,014 Noninterest income — — (634) Net impact to pre-tax income $ 7,431 $ 5,134 $ 4,380 On an on-going basis the Company has estimated the cash flows expected to be collected from the acquired loan pools. For each of the loan portfolios acquired, the cash flow estimates have increased, based on payment histories and reduced credit loss expectations. This resulted in increased income that has been spread, on a level-yield basis, over the remaining expected lives of the loan pools (and, therefore, has decreased over time). Increases in expected cash flows also reduced the amount of expected reimbursements under the loss sharing agreements with the FDIC (when such agreements were in place), which were recorded as indemnification assets. Therefore, the expected indemnification assets had also been reduced, resulting in adjustments to be amortized on a comparable basis over the remainder of the loss sharing agreements or the remaining expected lives of the loan pools, whichever was shorter. Additional estimated cash flows totaling approximately $12.3 million were recorded in the year ended December 31, 2019 related to these loan pools, with no corresponding reduction in expected reimbursement from the FDIC as the remaining loss sharing agreements were terminated in 2017. Because these adjustments to accretable yield will be recognized generally over the remaining lives of the loan pools, they will impact future periods as well. As of December 31, 2019, the remaining accretable yield adjustment that will affect interest income was $7.6 million. Of the remaining adjustments affecting interest income, we expect to recognize $5.6 million of interest income during 2020. As there is no longer, nor will there be in the future, indemnification asset amortization related to TeamBank, Vantus Bank, Sun Security Bank or InterBank due to the termination or expiration of the related loss sharing agreements for those transactions, there is no remaining indemnification asset or related adjustments that will affect non-interest income (expense). During the three months ending March 31, 2020, we will adopt the new accounting standard related to accounting for credit losses. With the adoption of this standard, there will be no more reclassification of discounts from non-accretable to accretable subsequent to December 31, 2019. All adjustments made prior to December 31, 2019 will continue to be accreted to interest income. Changes in the accretable yield for acquired loan pools were as follows for the years ended December 31, 2019, 2018 and 2017: Sun TeamBank Vantus Bank Security Bank InterBank Valley Bank (In Thousands) Balance, January 1, 2017 $ 2,477 $ 2,547 $ 4,277 $ 8,512 $ 4,797 Accretion (1,563) (1,373) (2,251) (7,505) (5,823) Reclassification from nonaccretable difference (1) 1,157 676 875 4,067 3,721 Balance, December 31, 2017 2,071 1,850 2,901 5,074 2,695 Accretion (1,042) (1,196) (1,667) (8,349) (3,892) Reclassification from nonaccretable difference (1) 327 778 1,008 8,269 4,260 Balance, December 31, 2018 1,356 1,432 2,242 4,994 3 ,063 Accretion (955) (1,006) (1,562) (8,798) (4,302) Reclassification from nonaccretable difference (1) 756 697 1,268 12,081 5,817 Balance, December 31, 2019 $ 1,157 $ 1,123 $ 1,948 $ 8,277 $ 4,578 (1) Represents increases in estimated cash flows expected to be received from the acquired loan pools, primarily due to lower estimated credit losses. The numbers also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the year ended December 31, 2019, totaling $667,000, $480,000, $810,000, $3.9 million and $2.5 million, respectively; for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the year ended December 31, 2018, totaling $312,000, $778,000, $756,000, $4.1 million and $3.5 million, respectively; and for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the year ended December 31, 2017, totaling $1.1 million, $663,000, $850,000, $3.5 million and $3.0 million, respectively

Note 5_ Other Real Estate Owned

Note 5: Other Real Estate Owned	12 Months Ended
	Dec. 31, 2019
Notes
Note 5: Other Real Estate Owned	Note 5: Other Real Estate Owned and Repossessions Major classifications of other real estate owned at December 31, 2019 and 2018, were as follows: 2019 2018 (In Thousands) Foreclosed assets held for sale and repossessions One- to four-family construction $ — $ — Subdivision construction 689 1,092 Land development 1,816 3,191 Commercial construction — — One- to four-family residential 601 269 Other residential — — Commercial real estate — — Commercial business — — Consumer 545 928 3,651 5,480 Acquired foreclosed assets no longer covered by FDIC loss sharing agreements, net of discounts — 167 Acquired foreclosed assets not covered by FDIC loss sharing agreements, net of discounts (Valley Bank) 1,003 1,234 Foreclosed assets held for sale and repossessions, net 4,654 6,881 Other real estate owned not acquired through foreclosure 871 1,559 Other real estate owned and repossessions $ 5,525 $ 8,440 At December 31, 2019, other real estate owned not acquired through foreclosure included six properties all of which were branch locations that were closed and held for sale. During the year ended December 31, 2019, one former branch location was both added to this category and sold at a gain of $115,000, which is included in the net gains on sales of other real estate owned and repossessions amount in the table below. At December 31, 2018, other real estate owned not acquired through foreclosure included nine properties, eight of which were branch locations that were closed and held for sale, and one of which is land acquired for a potential branch location. During the year ended December 31, 2018, one former branch location was sold at a loss of $24,000, which is included in the net gains on sales of other real estate owned and repossessions amount in the table below. At December 31, 2019, residential mortgage loans totaling $1.6 million were in the process of foreclosure, $1.4 million of which were acquired loans. Of the $1.4 million of acquired loans, $738,000 were previously covered by loss sharing agreements and $689,000 were acquired in the Valley Bank transaction. At December 31, 2018, residential mortgage loans totaling $1.3 million were in the process of foreclosure, $1.0 million of which were acquired loans. Of the $1.0 million of acquired loans, $873,000 were previously covered by loss sharing agreements and $171,000 were acquired in the Valley Bank transaction. Expenses applicable to other real estate owned and repossessions for the years ended December 31, 2019, 2018 and 2017, included the following: 2019 2018 2017 (In Thousands) Net gains on sales of other real estate owned and repossessions $ (750) $ (2,522) $ (2,212) Valuation write-downs 926 3,897 1,585 Operating expenses, net of rental income 2,008 3,544 4,556 $ 2,184 $ 4,919 $ 3,929

Note 6_ Premises and Equipment

Note 6: Premises and Equipment	12 Months Ended
	Dec. 31, 2019
Notes
Note 6: Premises and Equipment	Note 6: Premises and Equipment Major classifications of premises and equipment at December 31, 2019 and 2018, stated at cost, were as follows: 2019 2018 (In Thousands) Land $ 40,632 $ 40,508 Buildings and improvements 96,959 95,039 Furniture, fixtures and equipment 56,986 54,327 Operating leases right of use asset 8,668 — 203,245 189,874 Less accumulated depreciation 61,337 57,450 $ 141,908 $ 132,424 Leases. Leases (Topic 842) All of our leases are classified as operating leases (as they were prior to January 1, 2019), and therefore were previously not recognized on the Company’s consolidated statements of financial condition. With the adoption of ASU 2016-02, these operating leases are now included as a right of use asset in the premises and equipment line item on the Company’s consolidated statements of financial condition. The corresponding lease liability is included in the accrued expenses and other liabilities line item on the Company’s consolidated statements of financial condition. Because these leases are classified as operating leases, the adoption of the new standard did not have a material effect on lease expense on the Company’s consolidated statements of income. ASU 2016-02 provides a number of optional practical expedients in transition. The Company has elected the “package of practical expedients,” which permits the Company not to reassess under the new standard the prior conclusions about lease identification, lease classification and initial direct costs. The Company also elected the use of the hindsight, a practical expedient which permits the use of information available after lease inception to determine the lease term via the knowledge of renewal options exercised not available as of the lease’s inception. The practical expedient pertaining to land easements is not applicable to the Company. ASU 2016-02 also requires certain other accounting elections. The Company elected the short-term lease recognition exemption for all leases that qualify, meaning those with terms under twelve months. Right of use assets or lease liabilities are not to be recognized for short-term leases. The Company also elected the practical expedient to not separate lease and non-lease components for all leases. The Company’s short-term leases related to offsite ATMs have both fixed and variable lease payment components, based on the number of transactions at the various ATMs. The variable portion of these lease payments is not material and the total lease expense related to ATMs was $286,000 for the year ended December 31, 2019. The calculated amounts of the right of use assets and lease liabilities in the table below are impacted by the length of the lease term and the discount rate used to present value the minimum lease payments. The Company’s lease agreements often include one or more options to renew extended term in the calculation of the right of use asset and lease liability. Regarding the discount rate, the ASU requires the use of the rate implicit in the lease at the Company’s discretion. If at lease inception, the Company considers the exercising of a renewal option to be reasonably certain, the Company will include the extended term in the calculation of the right of use asset and lease liability. Regarding the discount rate, the ASU requires the use of the rate implicit in the lease whenever this rate is readily determinable. As this rate is rarely determinable, the Company utilizes its incremental borrowing rate at lease inception over a similar term. The discount rate utilized was the FHLBank borrowing rate for the term corresponding to the expected term of the lease. The expected lease terms range from 2.3 years to 18.9 years with a weighted-average lease term of 10.6 years. The weighted-average discount rate was 3.40%. At or For the Year Ended December 31, 2019 (In Thousands) Statement of Financial Condition Operating leases right of use asset $ 8,668 Operating leases liability $ 8,747 Statement of Income Operating lease costs classified as occupancy and equipment expense $ 1,460 (includes short-term lease costs and amortization of right of use asset) Supplemental Cash Flow Information Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 1,381 Right of use assets obtained in exchange for lease obligations: Operating leases $ 9,538 For the years ended December 31, 2019 and 2018, lease expense was $1.5 million and $1.2 million, respectively. At December 31, 2019, future expected lease payments for leases with terms exceeding one year were as follows (in thousands): 2020 $ 1,132 2021 1,148 2022 1,131 2023 1,099 2024 999 Thereafter 5,186 Future lease payments expected 10,695 Less interest portion of lease payments (1,948) Lease liability $ 8,747 The Company does not sublease any of its leased facilities; however, it does lease to other third parties portions of facilities that it owns. In terms of being the lessor in these circumstances, all of these lease agreements are classified as operating leases. In the years ended December 31, 2019 and 2018, income recognized from these lessor agreements was $1.1 million and $1.0 million, respectively, and was included in occupancy and equipment expense.

Note 7_ Investments in Limited

Note 7: Investments in Limited Partnerships	12 Months Ended
	Dec. 31, 2019
Notes
Note 7: Investments in Limited Partnerships	Note 7: Investments in Limited Partnerships Investments in Affordable Housing Partnerships The Company has invested in certain limited partnerships that were formed to develop and operate apartments and single-family houses designed as high-quality affordable housing for lower income tenants throughout Missouri and contiguous states. At December 31, 2019 the Company had 15 such investments, with a net carrying value of $22.8 million. At December 31, 2018 the Company had 17 such investments, with a net carrying value of $22.9 million. Due to the Company’s inability to exercise any significant influence over any of the investments in Affordable Housing Partnerships, they all are accounted for using the proportional amortization method. Each of the partnerships must meet the regulatory requirements for affordable housing for a minimum 15-year compliance period to fully utilize the tax credits. If the partnerships cease to qualify during the compliance period, the credits may be denied for any period in which the projects are not in compliance and a portion of the credits previously taken may be subject to recapture with interest. The remaining federal affordable housing tax credits to be utilized through 2029 were $25.2 million as of December 31, 2019, assuming no tax credit recapture events occur and all projects currently under construction are completed as planned. Amortization of the investments in partnerships is expected to be approximately $22.8 million, assuming all projects currently under construction are completed and funded as planned. The Company’s usage of federal affordable housing tax credits approximated $8.0 million, $6.6 million and $6.6 million during 2019, 2018 and 2017, respectively. Investment amortization amounted to $5.8 million, $5.0 million and $5.2 million for the years ended December 31, 2019, 2018 and 2017, respectively. Investments in Community Development Entities The Company has invested in certain limited partnerships that were formed to develop and operate business and real estate projects located in low-income communities. At December 31, 2019, the Company had no such investment. At December 31, 2018, the Company had one such investment, with a net carrying value of $365,000. Due to the Company’s inability to exercise any significant influence over any of the investments in qualified Community Development Entities, they are all accounted for using the cost method. Each of the partnerships provides federal New Market Tax Credits over a seven-year credit allowance period. In each of the first three years, credits totaling five percent of the original investment are allowed on the credit allowance dates and for the final four years, credits totaling six percent of the original investment are allowed on the credit allowance dates. Each of the partnerships must be invested in a qualified Community Development Entity on each of the credit allowance dates during the seven-year period to utilize the tax credits. If the Community Development Entities cease to qualify during the seven-year period, the credits may be denied for any credit allowance date and a portion of the credits previously taken may be subject to recapture with interest. The investments in the Community Development Entities cannot be redeemed before the end of the seven-year period. The Company’s usage of federal New Market Tax Credits approximated $480,000, $480,000 and $1.2 million during 2019, 2018 and 2017, respectively. Investment amortization amounted to $365,000, $575,000 and $930,000 for the years ended December 31, 2019, 2018 and 2017, respectively. Investments in Limited Partnerships for Federal Rehabilitation/Historic Tax Credits From time to time, the Company has invested in certain limited partnerships that were formed to provide certain federal rehabilitation/historic tax credits. Previously, the Company utilized these credits in their entirety in the year the project was placed in service and the impact to the Consolidated Statements of Income has not been material. In future periods, such partnerships provide federal rehabilitation/historic tax credits over a five-year credit allowance period. Investments in Limited Partnerships for State Tax Credits From time to time, the Company has invested in certain limited partnerships that were formed to provide certain state tax credits. The Company has primarily syndicated these tax credits and the impact to the Consolidated Statements of Income has not been material.

Note 8_ Deposits

Note 8: Deposits	12 Months Ended
	Dec. 31, 2019
Notes
Note 8: Deposits	Note 8: Deposits Deposits at December 31, 2019 and 2018, are summarized as follows: Weighted Average Interest Rate 2019 2018 (In Thousands, Except Interest Rates) Noninterest-bearing accounts — $ 687,068 $ 661,061 Interest-bearing checking and savings accounts 0.55% and 0.46% 1,551,929 1,472,535 2,238,997 2,133,596 Certificate accounts 0% - 0.99% 122,649 150,656 1% - 1.99% 523,816 511,873 2% - 2.99% 1,053,914 857,973 3% - 3.99% 19,849 69,793 4% - 4.99% 881 1,116 5% and above — — 1,721,109 1,591,411 $ 3,960,106 $ 3,725,007 The weighted average interest rate on certificates of deposit was 2.09% and 1.98% at December 31, 2019 and 2018, respectively. The aggregate amount of certificates of deposit originated by the Bank in denominations greater than $100,000 was approximately $830.8 million and $733.9 million at December 31, 2019 and 2018, respectively. The Bank utilizes brokered deposits as an additional funding source. The aggregate amount of brokered deposits was approximately $371.7 million and $326.9 million at December 31, 2019 and 2018, respectively. At December 31, 2019, scheduled maturities of certificates of deposit were as follows: Retail Brokered Total (In Thousands) 2020 $ 1,079,690 $ 304,302 $ 1,383,992 2021 185,122 — 185,122 2022 53,841 13,751 67,592 2023 17,762 42,448 60,210 2024 12,164 11,200 23,364 Thereafter 829 — 829 $ 1,349,408 $ 371,701 $ 1,721,109 A summary of interest expense on deposits for the years ended December 31, 2019, 2018 and 2017, is as follows: 2019 2018 2017 (In Thousands) Checking and savings accounts $ 7,971 $ 5,982 $ 4,699 Certificate accounts 37,723 22,149 16,009 Early withdrawal penalties (124) (174) (113) $ 45,570 $ 27,957 $ 20,595

Note 9_ Advances From Federal H

Note 9: Advances From Federal Home Loan Bank	12 Months Ended
	Dec. 31, 2019
Notes
Note 9: Advances From Federal Home Loan Bank	Note 9: Advances From Federal Home Loan Bank At December 31, 2019 and 2018, there were no outstanding term advances from the Federal Home Loan Bank of Des Moines (FHLBank advances). There were overnight funds from the Federal Home Loan Bank of Des Moines, which are included below in Note 10 The Bank has pledged FHLB stock, investment securities and first mortgage loans free of pledges, liens and encumbrances as collateral for outstanding advances. No investment securities were specifically pledged as collateral for advances at December 31, 2019 and 2018. Loans with carrying values of approximately $1.60 billion and $1.36 billion were pledged as collateral for outstanding advances at December 31, 2019 and 2018, respectively. The Bank had potentially available $867.1 million remaining on its line of credit under a borrowing arrangement with the FHLB of Des Moines at December 31, 2019.

Note 10_ Short-Term Borrowings

Note 10: Short-Term Borrowings	12 Months Ended
	Dec. 31, 2019
Notes
Note 10: Short-Term Borrowings	Note 10: Short-Term Borrowings Short-term borrowings at December 31, 2019 and 2018, are summarized as follows: 2019 2018 (In Thousands) Notes payable – Community Development Equity Funds $ 1,267 $ 1,625 Other interest-bearing liabilities 30,890 13,100 Overnight borrowings from the Federal Home Loan Bank 196,000 178,000 Securities sold under reverse repurchase agreements 84,167 105,253 $ 312,324 $ 297,978 The Bank enters into sales of securities under agreements to repurchase (reverse repurchase agreements). Reverse repurchase agreements are treated as financings, and the obligations to repurchase securities sold are reflected as a liability in the statements of financial condition. The dollar amount of securities underlying the agreements remains in the asset accounts. Securities underlying the agreements are being held by the Bank during the agreement period. All agreements are written on a term of one-month or less. At December 31, 2019, other interest-bearing liabilities consist of cash collateral held by the Company to satisfy minimum collateral posting thresholds with its derivative dealer counterparties representing the termination value of derivatives, which at such time were in a net asset position. Under the collateral agreements between the parties, either party may choose to provide cash or securities to satisfy its collateral requirements. Short-term borrowings had weighted average interest rates of 1.25% and 1.68% at December 31, 2019 and 2018, respectively. Short-term borrowings averaged approximately $260.0 million and $137.3 million for the years ended December 31, 2019 and 2018, respectively. The maximum amounts outstanding at any month end were $346.9 million and $298.0 million, respectively, during those same periods. The following table represents the Company’s securities sold under reverse repurchase agreements, by collateral type and remaining contractual maturity at December 31, 2019 and 2018: 2019 2018 Overnight and Overnight and Continuous Continuous (In Thousands) Mortgage-backed securities – GNMA, FNMA, FHLMC $ 84,167 $ 105,253

Note 11_ Federal Reserve Bank B

Note 11: Federal Reserve Bank Borrowings	12 Months Ended
	Dec. 31, 2019
Notes
Note 11: Federal Reserve Bank Borrowings	Note 11: Federal Reserve Bank Borrowings At December 31, 2019 and 2018, the Bank had $367.8 million and $460.7 million, respectively, available under a line-of-credit borrowing arrangement with the Federal Reserve Bank. The line is secured primarily by consumer and commercial loans. There were no amounts borrowed under this arrangement at December 31, 2019 or 2018.

Note 12_ Subordinated Debenture

Note 12: Subordinated Debentures Issued to Capital Trusts	12 Months Ended
	Dec. 31, 2019
Notes
Note 12: Subordinated Debentures Issued to Capital Trusts	Note 12: Subordinated Debentures Issued to Capital Trusts In November 2006, Great Southern Capital Trust II (Trust II), a statutory trust formed by the Company for the purpose of issuing the securities, issued a $25.0 million aggregate liquidation amount of floating rate cumulative trust preferred securities. The Trust II securities bear a floating distribution rate equal to 90-day LIBOR plus 1.60%. The Trust II securities became redeemable at the Company’s option in February 2012, and if not sooner redeemed, mature on February 1, 2037. The Trust II securities were sold in a private transaction exempt from registration under the Securities Act of 1933, as amended. The gross proceeds of the offering were used to purchase Junior Subordinated Debentures from the Company totaling $25.8 million and bearing an interest rate identical to the distribution rate on the Trust II securities. The initial interest rate on the Trust II debentures was 6.98%. The interest rate was 3.51% and 4.14% at December 31, 2019 and 2018, respectively. At December 31, 2019 and 2018, subordinated debentures issued to capital trusts are summarized as follows: 2019 2018 (In Thousands) Subordinated debentures $ 25,774 $ 25,774

Note 13_ Subordinated Notes

Note 13: Subordinated Notes	12 Months Ended
	Dec. 31, 2019
Notes
Note 13: Subordinated Notes	Note 13: Subordinated Notes On August 8, 2016, the Company completed the public offering and sale of $75.0 million of its subordinated notes. The notes are due August 15, 2026 , and have a fixed interest rate of 5.25% until August 15, 2021, at which time the rate becomes floating at a rate equal to three-month LIBOR plus 4.087%. The Company may call the notes at par beginning on August 15, 2021, and on any scheduled interest payment date thereafter. The notes were sold at par, resulting in net proceeds, after underwriting discounts and commissions, legal, accounting and other professional fees, of approximately $73.5 million. Total debt issuance costs totaling approximately $1.5 million, were deferred and are being amortized over the expected life of the notes, which is five years from the issuance date. Amortization of the debt issuance costs during the years ended December 31, 2019 and 2018, totaled $434 ,000 and $154 ,000, respectively, and is included in interest expense on subordinated notes in the consolidated statements of income, resulting in an imputed interest rate of 5.89%. At December 31, 2019 and 2018, subordinated notes are summarized as follows: 2019 2018 (In Thousands) Subordinated notes $ 75,000 $ 75,000 Less: unamortized debt issuance costs 724 1,158 $ 74,276 $ 73,842

Note 14_ Income Taxes

Note 14: Income Taxes	12 Months Ended
	Dec. 31, 2019
Notes
Note 14: Income Taxes	Note 14: Income Taxes The Company files a consolidated federal income tax return. As of December 31, 2019 and 2018, retained earnings included approximately $17.5 million for which no deferred income tax liability had been recognized. This amount represents an allocation of income to bad debt deductions for tax purposes only for tax years prior to 1988. If the Bank were to liquidate, the entire amount would have to be recaptured and would create income for tax purposes only, which would be subject to the then-current corporate income tax rate. The unrecorded deferred income tax liability on the above amount was approximately $3.9 million at both December 31, 2019 and 2018, respectively. During the years ended December 31, 2019, 2018 and 2017, the provision for income taxes included these components: 2019 2018 2017 (In Thousands) Taxes currently payable $ 15,375 $ 19,291 $ 9,335 Deferred income taxes 1,074 (4,450) 11,528 Adjustment of deferred tax asset or liability for enacted changes in tax laws — — (2,105) Income taxes $ 16,449 $ 14,841 $ 18,758 The tax effects of temporary differences related to deferred taxes shown on the statements of financial condition were: December 31, 2019 2018 (In Thousands) Deferred tax assets Allowance for loan losses $ 9,188 $ 8,758 Interest on nonperforming loans 161 320 Accrued expenses 821 726 Write-down of foreclosed assets 185 600 Write-down of fixed assets 50 191 Partnership tax credits 732 — Deferred income 509 — Difference in basis for acquired assets and liabilities 2,540 4,031 14,186 14,626 Deferred tax liabilities Tax depreciation in excess of book depreciation (5,986) (5,409) FHLB stock dividends (817) (798) Partnership tax credits — (404) Prepaid expenses (891) (569) Unrealized gain on available-for-sale securities (2,671) (83) Unrealized gain on cash flow derivatives (6,853) (2,761) Other (233) (113) (17,451) (10,137) Net deferred tax asset (liability) $ (3,265) $ 4,489 Reconciliations of the Company’s effective tax rates from continuing operations to the statutory corporate tax rates were as follows: 2019 2018 2017 Tax at statutory rate 21.0 % 21.0 % 35.0 % Nontaxable interest and dividends (0.5) (0.8) (1.6) Tax credits (3.6) (3.4) (6.1) State taxes 1.3 1.1 1.1 Initial impact of enactment of 2017 Tax Act 0.0 0.0 (0.4) Other 0.1 0.2 (1.3) 18.3 % 18.1 % 26.7 % The Tax Cuts and Jobs Act (“TCJ Act”) was signed into law on December 22, 2017, making several changes to U. S. corporate income tax laws, including reducing the corporate Federal income tax rate from 35% to 21% effective for tax years beginning on or after January 1, 2018. U. S. GAAP requires that the impact of the provisions of the TCJ Act be accounted for in the period of enactment. The Company recognized the income tax effects of the TCJ Act in its 2017 financial statements. The TCJ Act is complex and required significant detailed analysis. During the preparation of the Company’s 2017 income tax returns in 2018, no additional adjustments related to enactment of the TCJ Act were identified. The Company and its consolidated subsidiaries have not been audited recently by the Internal Revenue Service (IRS), except as described here. The Company, through one of its subsidiaries, is a partner in two partnerships which were under IRS examination for 2006 and 2007. As a result, the Company’s 2006 and subsequent tax years remained open for examination. The examinations of these partnerships were completed during 2019. The completion of these examinations did not result in significant changes to the Company’s tax positions. As a result, federal tax years through December 31, 2015 are now closed. The Company is currently under State of Missouri income and franchise tax examinations for its 2014 and 2015 tax years. The Company does not currently expect significant adjustments to its financial statements from this state examination.

Note 15_ Disclosures About Fair

Note 15: Disclosures About Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2019
Notes
Note 15: Disclosures About Fair Value of Financial Instruments	Note 15: Disclosures About Fair Value of Financial Instruments ASC Topic 820, Fair Value Measurements · · · Financial instruments are broken down as follows by recurring or nonrecurring measurement status. Recurring assets are initially measured at fair value and are required to be remeasured at fair value in the financial statements at each reporting date. Assets measured on a nonrecurring basis are assets that, due to an event or circumstance, were required to be remeasured at fair value after initial recognition in the financial statements at some time during the reporting period. The Company considers transfers between the levels of the hierarchy to be recognized at the end of related reporting periods. Recurring Measurements The following table presents the fair value measurements of assets recognized in the accompanying balance sheets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 2019 and 2018: Fair Value Measurements Using Quoted Prices in Active Markets Other Significant for Identical Observable Unobservable Assets Inputs Inputs Fair Value (Level 1) (Level 2) (Level 3) (In Thousands) December 31, 2019 Agency mortgage-backed securities $ 165,042 $ — $ 165,042 $ — Agency collateralized mortgage obligations 151,950 — 151,950 — States and political subdivisions 35,125 — 35,125 — Small Business Administration 22,058 — 22,058 — Interest rate derivative asset 31,476 — 31,476 — Interest rate derivative liability (1,547) — (1,547) — December 31, 2018 Agency mortgage-backed securities $ 153,258 $ — $ 153,258 $ — Agency collateralized mortgage obligations 39,260 — 39,260 — States and political subdivisions 51,450 — 51,450 — Interest rate derivative asset 12,800 — 12,800 — Interest rate derivative liability (716) — (716) — The following is a description of inputs and valuation methodologies used for assets recorded at fair value on a recurring basis and recognized in the accompanying statements of financial condition at December 31, 2019 and 2018, as well as the general classification of such assets pursuant to the valuation hierarchy. There have been no significant changes in the valuation techniques during the year ended December 31, 2019. Available-for-Sale Securities Investment securities available for sale are recorded at fair value on a recurring basis. The fair values used by the Company are obtained from an independent pricing service, which represent either quoted market prices for the identical asset or fair values determined by pricing models, or other model-based valuation techniques, that consider observable market data, such as interest rate volatilities, LIBOR yield curve, credit spreads and prices from market makers and live trading systems. Recurring Level 1 securities include exchange traded equity securities. There were no recurring Level 1 securities at December 31, 2019 or 2018. Recurring Level 2 securities include U.S. government agency securities, mortgage-backed securities, state and municipal bonds and certain other investments. Inputs used for valuing Level 2 securities include observable data that may include dealer quotes, benchmark yields, market spreads, live trading levels and market consensus prepayment speeds, among other things. Additional inputs include indicative values derived from the independent pricing service’s proprietary computerized models. There were no recurring Level 3 securities at December 31, 2019 or 2018. Interest Rate Derivatives The fair value is estimated using forward-looking interest rate curves and is determined using observable market rates and, therefore, are classified within Level 2 of the valuation hierarchy. Nonrecurring Measurements The following tables present the fair value measurement of assets measured at fair value on a nonrecurring basis and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 2019 and 2018: Fair Value Measurements Using Quoted Prices in Active Markets Other Significant for Identical Observable Unobservable Assets Inputs Inputs Fair Value (Level 1) (Level 2) (Level 3) (In Thousands) December 31, 2019 Impaired loans $ 635 $ — $ — $ 635 Foreclosed assets held for sale $ 1,112 $ — $ — $ 1,112 December 31, 2018 Impaired loans $ 2,805 $ — $ — $ 2,805 Foreclosed assets held for sale $ 1,776 $ — $ — $ 1,776 Following is a description of the valuation methodologies used for assets measured at fair value on a nonrecurring basis and recognized in the accompanying statements of financial condition, as well as the general classification of such assets pursuant to the valuation hierarchy. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below. Loans Held for Sale Mortgage loans held for sale are recorded at the lower of carrying value or fair value. The fair value of mortgage loans held for sale is based on what secondary markets are currently offering for portfolios with similar characteristics. As such, the Company classifies mortgage loans held for sale as Nonrecurring Level 2. Write-downs to fair value typically do not occur as the Company generally enters into commitments to sell individual mortgage loans at the time the loan is originated to reduce market risk. The Company typically does not have commercial loans held for sale. At December 31, 2019 and 2018, the aggregate fair value of mortgage loans held for sale exceeded their cost. Accordingly, no mortgage loans held for sale were marked down and reported at fair value. Impaired Loans A loan is considered to be impaired when it is probable that all of the principal and interest due may not be collected according to its contractual terms. Generally, when a loan is considered impaired, the amount of reserve required under FASB ASC 310, Receivables The Company records impaired loans as Nonrecurring Level 3. If a loan’s fair value as estimated by the Company is less than its carrying value, the Company either records a charge-off for the portion of the loan that exceeds the fair value or establishes a reserve within the allowance for loan losses specific to the loan. Loans for which such charge-offs or reserves were recorded during the years ended December 31, 2019 and 2018, are shown in the table above (net of reserves). Foreclosed Assets Held for Sale Foreclosed assets held for sale are initially recorded at fair value less estimated cost to sell at the date of foreclosure. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less estimated cost to sell. Foreclosed assets held for sale are classified within Level 3 of the fair value hierarchy. The foreclosed assets represented in the table above have been re-measured during the years ended December 31, 2019 and 2018, subsequent to their initial transfer to foreclosed assets. Fair Value of Financial Instruments The following methods were used to estimate the fair value of all other financial instruments recognized in the accompanying statements of financial condition at amounts other than fair value. Cash and Cash Equivalents and Federal Home Loan Bank Stock The carrying amount approximates fair value. Loans and Interest Receivable The fair value of loans is estimated on an exit price basis incorporating contractual cash flow, prepayments discount spreads, credit loss and liquidity premiums. Loans with similar characteristics are aggregated for purposes of the calculations. The carrying amount of accrued interest receivable approximates its fair value. Deposits and Accrued Interest Payable The fair value of demand deposits and savings accounts is the amount payable on demand at the reporting date, i.e., their carrying amounts. The fair value of fixed maturity certificates of deposit is estimated using a discounted cash flow calculation using the average advances yield curve from 11 districts of the FHLB for the as of date. Federal Home Loan Bank Advances Rates currently available to the Company for debt with similar terms and remaining maturities are used to estimate fair value of existing advances. Short-Term Borrowings The carrying amount approximates fair value. Subordinated Debentures Issued to Capital Trusts The subordinated debentures have floating rates that reset quarterly. The carrying amount of these debentures approximates their fair value. Subordinated Notes The fair values used by the Company are obtained from independent sources and are derived from quoted market prices of the Company’s subordinated notes and quoted market prices of other subordinated debt instruments with similar characteristics. Commitments to Originate Loans, Letters of Credit and Lines of Credit The fair value of commitments is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair value of letters of credit is based on fees currently charged for similar agreements or on the estimated cost to terminate them or otherwise settle the obligations with the counterparties at the reporting date. The following table presents estimated fair values of the Company’s financial instruments. The fair values of certain of these instruments were calculated by discounting expected cash flows, which method involves significant judgments by management and uncertainties. Fair value is the estimated amount at which financial assets or liabilities could be exchanged in a current transaction between willing parties, other than in a forced or liquidation sale. Because no market exists for certain of these financial instruments and because management does not intend to sell these financial instruments, the Company does not know whether the fair values shown below represent values at which the respective financial instruments could be sold individually or in the aggregate. December 31, 2019 December 31, 2018 Carrying Fair Hierarchy Carrying Fair Hierarchy Amount Value Level Amount Value Level (Dollars in Thousands) Financial assets Cash and cash equivalents $ 220,155 $ 220,155 1 $ 202,742 $ 202,742 1 Mortgage loans held for sale 9,242 9,242 2 1,650 1,650 2 Loans, net of allowance for loan losses 4,153,982 4,129,984 3 3,989,001 3,955,786 3 Accrued interest receivable 13,530 13,530 3 13,448 13,448 3 Investment in FHLB stock 13,473 13,473 3 12,438 12,438 3 Financial liabilities Deposits 3,960,106 3,963,875 3 3,725,007 3,717,899 3 Short-term borrowings 312,324 312,324 3 297,978 297,978 3 Subordinated debentures 25,774 25,774 3 25,774 25,774 3 Subordinated notes 74,276 76,875 2 73,842 75,188 2 Accrued interest payable 4,250 4,250 3 3,570 3,570 3 Unrecognized financial instruments (net of contractual value) Commitments to originate loans — — 3 — — 3 Letters of credit 109 109 3 146 146 3 Lines of credit — — 3 — — 3

Note 16_ Derivatives and Hedgin

Note 16: Derivatives and Hedging Activities	12 Months Ended
	Dec. 31, 2019
Notes
Note 16: Derivatives and Hedging Activities	Note 16: Derivatives and Hedging Activities Risk Management Objective of Using Derivatives The Company is exposed to certain risks arising from both its business operations and economic conditions. The Company principally manages its exposures to a wide variety of business and operational risks through management of its core business activities. The Company manages economic risks, including interest rate, liquidity and credit risk, primarily by managing the amount, sources and duration of its assets and liabilities. In the normal course of business, the Company may use derivative financial instruments (primarily interest rate swaps) from time to time to assist in its interest rate risk management. The Company has interest rate derivatives that result from a service provided to certain qualifying loan customers that are not used to manage interest rate risk in the Company’s assets or liabilities and are not designated in a qualifying hedging relationship. The Company manages a matched book with respect to its derivative instruments in order to minimize its net risk exposure resulting from such transactions. In addition, the Company has interest rate derivatives that are designated in a qualified hedging relationship. Nondesignated Hedges The Company has interest rate swaps that are not designated in a qualifying hedging relationship. Derivatives not designated as hedges are not speculative and result from a service the Company provides to certain loan customers, which the Company began offering during 2011. The Company executes interest rate swaps with commercial banking customers to facilitate their respective risk management strategies. Those interest rate swaps are simultaneously hedged by offsetting interest rate swaps that the Company executes with a third party, such that the Company minimizes its net risk exposure resulting from such transactions. As the interest rate swaps associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. As part of the Valley Bank FDIC-assisted acquisition, the Company acquired seven loans with related interest rate swaps. Valley’s swap program differed from the Company’s in that Valley did not have back to back swaps with the customer and a counterparty. Five of the seven acquired loans with interest rate swaps have paid off. The notional amount of the two remaining Valley swaps was $689,000 at December 31, 2019. At December 31, 2019, excluding the Valley Bank swaps, the Company had 19 interest rate swaps totaling $96.0 million in notional amount with commercial customers, and 19 interest rate swaps with the same notional amount with third parties related to its program. In addition at December 31, 2019, the Company had five participation loans purchased totaling $37.4 million, in which the lead institution has an interest rate swap with their customer and the economics of the counterparty swap are passed along to us through the loan participation. At December 31, 2018, excluding the Valley Bank swaps, the Company had 18 interest rate swaps totaling $78.5 million in notional amount with commercial customers, and 18 interest rate swaps with the same notional amount with third parties related to its program. In addition at December 31, 2018, the Company had three participation loans purchased totaling $31.2 million, in which the lead institution has an interest rate swap with their customer and the economics of the counterparty swap are passed along to us through the loan participation. During the years ended December 31, 2019, 2018 and 2017, the Company recognized net gains (losses) of $(104,000), $25,000 and $28,000, respectively, in noninterest income related to changes in the fair value of these swaps. Cash Flow Hedges Interest Rate Swap. Interest Rate Cap. The table below presents the fair value of the Company’s derivative financial instruments as well as their classification on the Consolidated Statements of Financial Condition: Location in Fair Value Consolidated Statements December 31, December 31, of Financial Condition 2019 2018 (In Thousands) Derivatives designated as hedging instruments Interest rate swap Prepaid expenses and other assets $ 30,056 $ 12,106 Total derivatives designated as hedging instruments $ 30,056 $ 12,106 Derivatives not designated as hedging instruments Derivative Assets Derivatives not designated as hedging instruments Interest rate products Prepaid expenses and other assets $ 1,420 $ 694 Total derivatives not designated as hedging instruments $ 1,420 $ 694 Derivative Liabilities Derivatives not designated as hedging instruments Interest rate products Accrued expenses and other liabilities $ 1,547 $ 716 Total derivatives not designated as hedging instruments $ 1,547 $ 716 The following table presents the effect of cash flow hedge accounting on the statements of comprehensive income: Year Ended December 31 Amount of Gain (Loss) Recognized in AOCI Cash Flow Hedges 2019 2018 2017 (In Thousands) Interest rate swap (2019 and 2018) and interest rate cap (2017), net of income taxes $ 13,857 $ 9,345 $ 161 The following table presents the effect of cash flow hedge accounting on the statements of operations: Year Ended December 31 Cash Flow Hedges 2019 2018 2017 Interest Interest Interest Interest Interest Interest Income Expense Income Expense Income Expense (In Thousands) Interest rate swap (2019 and 2018) and interest rate cap (2017), net of income taxes $ 3,082 $ — $ 673 $ — $ — $ 244 Agreements with Derivative Counterparties The Company has agreements with its derivative counterparties. If the Company defaults on any of its indebtedness, including a default where repayment of the indebtedness has not been accelerated by the lender, then the Company could also be declared in default on its derivative obligations. If the Bank fails to maintain its status as a well-capitalized institution, then the counterparty could terminate the derivative positions and the Company would be required to settle its obligations under the agreements. Similarly, the Company could be required to settle its obligations under certain of its agreements if certain regulatory events occurred, such as the issuance of a formal directive, or if the Company’s credit rating is downgraded below a specified level. At December 31, 2019, the termination value of derivatives with our derivative dealer counterparties (related to loan level swaps with commercial lending customers) in a net liability position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $1.1 million. In addition, as of December 31, 2019, the termination value of derivatives with our derivative dealer counterparty (related to the balance sheet hedge commenced in October 2018) in a net asset position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $30.1 million. The Company has minimum collateral posting thresholds with its derivative dealer counterparties. At December 31, 2019, the Company’s activity with one of its derivative counterparties met the level at which the minimum collateral posting thresholds take effect (collateral to be received by the Company) and the derivative counterparties had posted collateral of $30.9 million to the Company to satisfy the balance sheet hedge agreement. Additionally, the Company’s activity with one of its derivative counterparties met the level at which the minimum collateral posting thresholds take effect (collateral to be given by the Company) and the Company had posted collateral of $1.1 million to the derivative counterparties to satisfy the loan level agreements. If the Company had breached any of these provisions at December 31, 2019 or December 31, 2018, it could have been required to settle its obligations under the agreements at the termination value. At December 31, 2018, the termination value of derivatives with our derivative dealer counterparties (related to loan level swaps with commercial lending customers) in a net asset position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $396,000. In addition, as of December 31, 2018, the termination value of derivatives with our derivative dealer counterparty (related to the balance sheet hedge commenced in October 2018) in a net asset position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $12.3 million. At December 31, 2018, the Company’s activity with certain of its derivative counterparties met the level at which the minimum collateral posting thresholds take effect (collateral to be received by the Company) and the derivative counterparties had posted collateral of $704,000 to the Company to satisfy the loan level agreements and collateral of $12.8 million to the Company to satisfy the balance sheet hedge agreement.

Note 17_ Commitments and Credit

Note 17: Commitments and Credit Risk	12 Months Ended
	Dec. 31, 2019
Notes
Note 17: Commitments and Credit Risk	Note 17: Commitments and Credit Risk Commitments to Originate Loans Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since a significant portion of the commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management’s credit evaluation of the counterparty. Collateral held varies but may include accounts receivable, inventory, property and equipment, commercial real estate and residential real estate. At December 31, 2019 and 2018, the Bank had outstanding commitments to originate loans and fund commercial construction loans aggregating approximately $92.4 million and $105.3 million, respectively. The commitments extend over varying periods of time with the majority being disbursed within a 30- to 180-day period. Mortgage loans in the process of origination represent amounts that the Bank plans to fund within a normal period of 60 to 90 days, many of which are intended for sale to investors in the secondary market. Total mortgage loans in the process of origination amounted to approximately $69.3 million and $24.3 million at December 31, 2019 and 2018, respectively. Letters of Credit Standby letters of credit are irrevocable conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. Financial standby letters of credit are primarily issued to support public and private borrowing arrangements, including commercial paper, bond financing and similar transactions. Performance standby letters of credit are issued to guarantee performance of certain customers under nonfinancial contractual obligations. The credit risk involved in issuing standby letters of credit is essentially the same as that involved in extending loans to customers. Fees for letters of credit issued are initially recorded by the Bank as deferred revenue and are included in earnings at the termination of the respective agreements. Should the Bank be obligated to perform under the standby letters of credit, the Bank may seek recourse from the customer for reimbursement of amounts paid. The Company had total outstanding standby letters of credit amounting to approximately $26.3 million and $28.9 million at December 31, 2019 and 2018, respectively, with $26.3 million and $28.4 million, respectively, of the letters of credit having terms up to five years and $0 and $476,000, respectively, of the letters of credit having terms over five years. Of the amount having terms over five years, $0 and $476,000 at December 31, 2019 and 2018, respectively, consisted of an outstanding letter of credit to guarantee the payment of principal and interest on a Multifamily Housing Refunding Revenue Bond Issue. Purchased Letters of Credit The Company has purchased letters of credit from the Federal Home Loan Bank as security for certain public deposits. The amount of the letters of credit was $0 and $2.1 million at December 31, 2019 and 2018, respectively, and they expire in less than one year from issuance. Lines of Credit Lines of credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Lines of credit generally have fixed expiration dates. Since a portion of the line may expire without being drawn upon, the total unused lines do not necessarily represent future cash requirements. The Bank evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management’s credit evaluation of the counterparty. Collateral held varies but may include accounts receivable, inventory, property and equipment, commercial real estate and residential real estate. The Bank uses the same credit policies in granting lines of credit as it does for on-balance-sheet instruments. At December 31, 2019, the Bank had granted unused lines of credit to borrowers aggregating approximately $1.2 billion and $155.8 million for commercial lines and open-end consumer lines, respectively. At December 31, 2018, the Bank had granted unused lines of credit to borrowers aggregating approximately $1.1 billion and $150.9 million for commercial lines and open-end consumer lines, respectively. Credit Risk The Bank grants collateralized commercial, real estate and consumer loans primarily to customers in its market areas. Although the Bank has a diversified portfolio, loans (excluding those covered by loss sharing agreements) aggregating approximately $725.0 million and $750.3 million at December 31, 2019 and 2018, respectively, are secured primarily by apartments, condominiums, residential and commercial land developments, industrial revenue bonds and other types of commercial properties in the St. Louis, Missouri, area.

Note 18_ Additional Cash Flow I

Note 18: Additional Cash Flow Information	12 Months Ended
	Dec. 31, 2019
Notes
Note 18: Additional Cash Flow Information	Note 18: Additional Cash Flow Information 2019 2018 2017 (In Thousands) Noncash Investing and Financing Activities Real estate acquired in settlement of loans $ 12,729 $ 12,044 $ 23,780 Sale and financing of foreclosed assets 1,340 2,578 603 Conversion of premises and equipment to foreclosed assets 1,135 — — Dividends declared but not paid 4,849 4,528 3,381 Additional Cash Payment Information Interest paid 53,922 37,091 27,724 Income taxes paid 5,719 2,569 17,563

Note 19_ Employee Benefits

Note 19: Employee Benefits	12 Months Ended
	Dec. 31, 2019
Notes
Note 19: Employee Benefits	Note 19: Employee Benefits The Company participates in the Pentegra Defined Benefit Plan for Financial Institutions (Pentegra DB Plan), a multiemployer defined benefit pension plan covering all employees who have met minimum service requirements. Effective July 1, 2006, this plan was closed to new participants. Employees already in the plan continue to accrue benefits. The Pentegra DB Plan’s Employer Identification Number is 13-5645888 and the Plan Number is 333. The Company’s policy is to fund pension cost accrued. Employer contributions charged to expense for this plan for the years ended December 31, 2019, 2018 and 2017, were approximately $1.8 million, $1.3 million and $1.1 million, respectively. The Company’s contributions to the Pentegra DB Plan were not more than 5% of the total contributions to the plan. The funded status of the plan as of July 1, 2019 and 2018, was 93.7% and 96.3%, respectively. The funded status was calculated by taking the market value of plan assets, which reflected contributions received through June 30, 2019 and 2018, respectively, divided by the funding target. No collective bargaining agreements are in place that require contributions to the Pentegra DB Plan. The Company has a defined contribution retirement plan covering substantially all employees. The Company matches 100% of the employee’s contribution on the first 3% of the employee’s compensation and also matches an additional 50% of the employee’s contribution on the next 2% of the employee’s compensation. Employer contributions charged to expense for this plan for the years ended December 31, 2019, 2018 and 2017, were approximately $1.4 million, $1.4 million and $1.3 million, respectively.

Note 20_ Stock Compensation Pla

Note 20: Stock Compensation Plans	12 Months Ended
	Dec. 31, 2019
Notes
Note 20: Stock Compensation Plans	Note 20: Stock Compensation Plans The Company established the 2003 Stock Option and Incentive Plan (the “2003 Plan”) for employees and directors of the Company and its subsidiaries. Under the plan, stock options or other awards could be granted with respect to 598,224 shares of common stock. On May 15, 2013, the Company’s stockholders approved the Great Southern Bancorp, Inc. 2013 Equity Incentive Plan (the “2013 Plan”). Upon the stockholders’ approval of the 2013 Plan, the Company’s 2003 Plan was frozen. As a result, no new stock options or other awards may be granted under the 2003 Plan; however, existing outstanding awards under the 2003 Plan were not affected. At December 31, 2019, 42,941 options were outstanding under the 2003 Plan. The Company established the 2013 Stock Option and Incentive Plan (the “2013 Plan”) for employees and directors of the Company and its subsidiaries. Under the plan, stock options or other awards could be granted with respect to 700,000 shares of common stock. On May 9, 2018, the Company’s stockholders approved the Great Southern Bancorp, Inc. 2018 Omnibus Incentive Plan (the “2018 Plan”). Upon the stockholders’ approval of the 2018 Plan, the Company’s 2013 Plan was frozen. As a result, no new stock options or other awards may be granted under the 2013 Plan; however, existing outstanding awards under the 2013 Plan were not affected. At December 31, 2019, 401,827 options were outstanding under the 2013 Plan. The 2018 Plan provides for the grant from time to time to directors, emeritus directors, officers, employees and advisory directors of stock options, stock appreciation rights, restricted stock, restricted stock units, performance shares and performance units. The number of shares of Common Stock available for awards under the 2018 Plan is 800,000 (the “2018 Plan Limit”). Shares utilized for awards other than stock options and stock appreciation rights will be counted against the 2018 Plan Limit on a 2.5-to-1 basis. At December 31, 2019, 363,100 options were outstanding under the 2018 Plan. Stock options may be either incentive stock options or nonqualified stock options, and the option price must be at least equal to the fair value of the Company’s common stock on the date of grant. Options generally are granted for a 10-year term and generally become exercisable in four cumulative annual installments of 25% commencing two years from the date of grant. The Stock Option Committee may accelerate a participant’s right to purchase shares under the plan. Stock awards may be granted to key officers and employees upon terms and conditions determined solely at the discretion of the Stock Option Committee. The table below summarizes transactions under the Company’s stock compensation plans, all of which related to stock options granted under such plans: Weighted Available to Grant Shares Under Option Average Exercise Price Balance, January 1, 2017 219,475 661,203 $ 33.672 Granted from 2013 Plan (157,800) 157,800 52.118 Exercised — (119,692) 27.352 Forfeited from terminated plan(s) — (675) 24.690 Forfeited from current plan(s) 15,837 (15,837) 41.916 Balance, December 31, 2017 77,512 682,799 38.860 Granted from 2013 Plan (1,000) 1,000 52.500 Exercised — (81,940) 27.597 Forfeited from 2013 Plan 13,773 (13,773) 45.692 Termination of 2013 Plan (90,285) — — 588,086 Available to grant from 2018 Plan 800,000 — Granted from 2018 Plan (185,750) 185,750 55.297 Forfeited from current plan(s) 600 (600) 55.000 Balance, December 31, 2018 614,850 773,236 43.886 Granted from 2018 Plan (186,400) 186,400 60.086 Exercised — (125,894) 33.031 Forfeited from terminated plan(s) — (17,424) 44.163 Forfeited from current plan(s) 8,450 (8,450) 55.000 Balance, December 31, 2019 436,900 807,868 $ 49.139 The Company’s stock option grants contain terms that provide for a graded vesting schedule whereby portions of the options vest in increments over the requisite service period. These options typically vest one-fourth at the end of years two, three, four and five from the grant date. As provided for under FASB ASC 718, the Company has elected to recognize compensation expense for options with graded vesting schedules on a straight-line basis over the requisite service period for the entire option grant. In addition, ASC 718 requires companies to recognize compensation expense based on the estimated number of stock options for which service is expected to be rendered. The Company’s historical forfeitures of its share-based awards have not been material. The fair value of each option award is estimated on the date of the grant using the Black-Scholes option pricing model with the following assumptions for the years ended December 31, 2019, 2018 and 2017: 2019 2018 2017 Expected dividends per share $1.36 $1.27 $0.95 Risk-free interest rate 1.59% 2.86% 2.03% Expected life of options 5 years 5 years 5 years Expected volatility 25.15% 17.61% 23.49% Weighted average fair value of options granted during year $11.20 $8.30 $10.04 Expected volatilities are based on the historical volatility of the Company’s stock, based on the monthly closing stock price. The expected term of options granted is based on actual historical exercise behavior of all employees and directors and approximates the graded vesting period of the options. Expected dividends are based on the annualized dividends declared at the time of the option grant. The risk-free interest rate is based on the five-year treasury rate on the grant date of the options. The following table presents the activity related to options under all plans for the year ended December 31, 2019: Weighted Weighted Average Average Remaining Exercise Contractual Options Price Term Options outstanding, January 1, 2019 773,236 $ 43.886 7.44 years Granted 186,400 60.086 Exercised (125,894) 33.031 Forfeited (25,874) 49.395 Options outstanding, December 31, 2019 807,868 49.139 7.54 years Options exercisable, December 31, 2019 255,491 37.310 5.10 years For the years ended December 31, 2019, 2018 and 2017, options granted were 186,400, 186,750, and 157,800, respectively. The total intrinsic value (amount by which the fair value of the underlying stock exceeds the exercise price of an option on exercise date) of options exercised during the years ended December 31, 2019, 2018 and 2017, was $3.1 million, $2.2 million and $3.0 million, respectively. Cash received from the exercise of options for the years ended December 31, 2019, 2018 and 2017, was $4.2 million, $2.3 million and $3.3 million, respectively. The actual tax benefit realized for the tax deductions from option exercises totaled $2.7 million, $1.6 million and $2.7 million for the years ended December 31, 2019, 2018 and 2017, respectively. The total intrinsic value of options outstanding at December 31, 2019, 2018 and 2017, was $11.5 million, $4.7 million and $8.8 million, respectively. The total intrinsic value of options exercisable at December 31, 2019, 2018 and 2017, was $6.6 million, $3.9 million and $5.7 million, respectively. The following table presents the activity related to nonvested options under all plans for the year ended December 31, 2019. Weighted Weighted Average Average Exercise Grant Date Options Price Fair Value Nonvested options, January 1, 2019 506,494 $ 50.023 $ 8.431 Granted 186,400 60.086 11.195 Vested this period (115,393) 44.327 7.744 Nonvested options forfeited (25,124) 49.998 8.394 Nonvested options, December 31, 2019 552,377 54.610 9.509 At December 31, 2019, there was $4.7 million of total unrecognized compensation cost related to nonvested options granted under the Company’s plans. This compensation cost is expected to be recognized through 2024, with the majority of this expense recognized in 2020 and 2021. The following table further summarizes information about stock options outstanding at December 31, 2019: Options Outstanding Weighted Options Exercisable Average Weighted Weighted Remaining Average Average Range of Number Contractual Exercise Number Exercise Exercise Prices Outstanding Term Price Exercisable Price $16.810 to 29.640 79,493 3.01 years $ 25.408 79,493 $ 25.408 $32.590 to 38.610 66,231 4.89 years 33.043 62,606 32.794 $41.300 to 47.800 90,193 6.81 years 41.323 35,586 41.300 $50.710 to 52.500 208,851 7.18 years 51.656 77,806 51.280 $55.000 to 60.150 363,100 9.39 years 57.763 — — 807,868 7.54 years 49.139 255,491 37.310

Note 21_ Significant Estimates

Note 21: Significant Estimates and Concentrations	12 Months Ended
	Dec. 31, 2019
Notes
Note 21: Significant Estimates and Concentrations	Note 21: Significant Estimates and Concentrations Accounting principles generally accepted in the United States of America require disclosure of certain significant estimates and current vulnerabilities due to certain concentrations. Estimates related to the allowance for loan losses are reflected in Note 3 Note 4 Other significant estimates not discussed in those footnotes include valuations of foreclosed assets held for sale. The carrying value of foreclosed assets reflects management’s best estimate of the amount to be realized from the sales of the assets. While the estimate is generally based on a valuation by an independent appraiser or recent sales of similar properties, the amount that the Company realizes from the sales of the assets could differ materially in the near term from the carrying value reflected in these financial statements.

Note 22_ Accumulated Other Comp

Note 22: Accumulated Other Comprehensive Income	12 Months Ended
	Dec. 31, 2019
Notes
Note 22: Accumulated Other Comprehensive Income	Note 22: Accumulated Other Comprehensive Income The components of accumulated other comprehensive income (AOCI), included in stockholders’ equity, are as follows: 2019 2018 (In Thousands) Net unrealized gain on available-for-sale securities $ 11,715 $ 365 Net unrealized gain on derivatives used for cash flow hedges 30,056 12,106 41,771 12,471 Tax effect (9,525) (2,844) Net-of-tax amount $ 32,246 $ 9,627 Amounts reclassified from AOCI and the affected line items in the statements of income during the years ended December 31, 2019, 2018 and 2017, were as follows: Amounts Reclassified from AOCI Affected Line Item in the 2019 2018 2017 Statements of Income (In Thousands) Unrealized gains (losses) on available- for-sale securities $ (62) $ 2 $ — Net realized gains on available-for-sale securities (total reclassified amount before tax) Income taxes 14 — — Tax (expense) benefit Total reclassifications out of AOCI $ 48 $ 2 $ —

Note 23_ Regulatory Matters

Note 23: Regulatory Matters	12 Months Ended
	Dec. 31, 2019
Notes
Note 23: 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 U.S. 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, 2019) 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, 2019, that the Bank met all capital adequacy requirements to which it was then subject. As of December 31, 2019, 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, 2019, 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, 2019 and 2018, 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 new capital rules include a capital conservation buffer, under which a banking organization must have CET1 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 available-for-sale 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. 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, 2019 Total capital Great Southern Bancorp, Inc. $ 698,085 15.0% $ 372,387 8.0% N/A N/A Great Southern Bank $ 650,280 14.0% $ 372,316 8.0% $ 465,395 10.0% Tier I capital Great Southern Bancorp, Inc. $ 582,791 12.5% $ 279,290 6.0% N/A N/A Great Southern Bank $ 609,986 13.1% $ 279,237 6.0% $ 372,316 8.0% Tier I leverage capital Great Southern Bancorp, Inc. $ 582,791 11.8% $ 198,320 4.0% N/A N/A Great Southern Bank $ 609,986 12.3% $ 198,010 4.0% $ 247,512 5.0% Common equity Tier I capital Great Southern Bancorp, Inc. $ 557,791 12.0% $ 209,468 4.5% N/A N/A Great Southern Bank $ 609,986 13.1% $ 209,428 4.5% $ 302,507 6.5% As of December 31, 2018 Total capital Great Southern Bancorp, Inc. $ 651,469 14.4% $ 360,826 8.0% N/A N/A Great Southern Bank $ 599,509 13.3% $ 360,767 8.0% $ 450,959 10.0% Tier I capital Great Southern Bancorp, Inc. $ 538,060 11.9% $ 270,619 6.0% N/A N/A Great Southern Bank $ 561,100 12.4% $ 270,575 6.0% $ 360,767 8.0% Tier I leverage capital Great Southern Bancorp, Inc. $ 538,060 11.7% $ 184,088 4.0% N/A N/A Great Southern Bank $ 561,100 12.2% $ 184,050 4.0% $ 230,062 5.0% Common equity Tier I capital Great Southern Bancorp, Inc. $ 513,060 11.4% $ 202,965 4.5% N/A N/A Great Southern Bank $ 561,100 12.4% $ 202,931 4.5% $ 293,123 6.5%

Note 24_ Litigation Matters

Note 24: Litigation Matters	12 Months Ended
	Dec. 31, 2019
Notes
Note 24: Litigation Matters	Note 24: Litigation Matters In the normal course of business, the Company and its subsidiaries are subject to pending and threatened legal actions, some of which seek substantial relief or damages. While the ultimate outcome of such legal proceedings cannot be predicted with certainty, after reviewing pending and threatened litigation with counsel, management believes at this time that the outcome of such litigation will not have a material adverse effect on the Company’s business, financial condition or results of operations.

Note 25_ Summary of Unaudited Q

Note 25: Summary of Unaudited Quarterly Operating Results	12 Months Ended
	Dec. 31, 2019
Notes
Note 25: Summary of Unaudited Quarterly Operating Results	Note 25: Summary of Unaudited Quarterly Operating Results Following is a summary of unaudited quarterly operating results for the years 2019, 2018 and 2017: 2019 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $ 57,358 $ 58,723 $ 60,187 $ 58,726 Interest expense 12,753 13,802 14,263 13,784 Provision for loan losses 1,950 1,600 1,950 650 Net realized gains (losses) on available-for-sale securities 10 — — (72) Noninterest income 7,450 7,157 8,655 7,695 Noninterest expense 28,495 28,383 28,725 29,535 Provision for income taxes 3,998 3,720 4,172 4,559 Net income available to common shareholders 17,612 18,375 19,732 17,893 Earnings per common share – diluted 1.23 1.28 1.38 1.24 2018 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $ 46,882 $ 49,943 $ 52,982 $ 56,142 Interest expense 7,444 8,731 9,997 11,585 Provision for loan losses 1,950 1,950 1,300 1,950 Net realized gains on available-for-sale securities — — 2 — Noninterest income 6,935 7,459 14,604 7,220 Noninterest expense 28,312 29,915 28,309 28,774 Provision for income taxes 2,645 2,967 5,464 3,765 Net income available to common shareholders 13,466 13,839 22,516 17,288 Earnings per common share – diluted 0.95 0.97 1.57 1.21 2017 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $ 45,413 $ 44,744 $ 46,368 $ 46,536 Interest expense 6,712 6,843 7,087 7,263 Provision for loan losses 2,250 1,950 2,950 1,950 Net realized gains (losses) on available-for-sale securities — — — — Noninterest income 7,698 15,800 7,655 7,374 Noninterest expense 28,573 28,371 28,034 29,283 Provision (credit) for income taxes 4,058 7,204 4,289 3,207 Net income available to common shareholders 11,518 16,176 11,663 12,207 Earnings per common share – diluted 0.81 1.14 0.82 0.86

Note 26_ Condensed Parent Compa

Note 26: Condensed Parent Company Statements	12 Months Ended
	Dec. 31, 2019
Notes
Note 26: Condensed Parent Company Statements	Note 26: Condensed Parent Company Statements The condensed statements of financial condition at December 31, 2019 and 2018, and statements of income, comprehensive income and cash flows for the years ended December 31, 2019, 2018 and 2017, for the parent company, Great Southern Bancorp, Inc., were as follows: December 31, 2019 2018 (In Thousands) Statements of Financial Condition Assets Cash $ 58,726 $ 56,648 Investment in subsidiary bank 650,329 580,016 Deferred and accrued income taxes 111 411 Prepaid expenses and other assets 868 889 $ 710,034 $ 637,964 Liabilities and Stockholders’ Equity Accounts payable and accrued expenses $ 6,918 $ 6,371 Subordinated debentures issued to capital trust 25,774 25,774 Subordinated notes 74,276 73,842 Common stock 143 142 Additional paid-in capital 33,510 30,121 Retained earnings 537,167 492,087 Accumulated other comprehensive income 32,246 9,627 $ 710,034 $ 637,964 2019 2018 2017 (In Thousands) Statements of Income Income Dividends from subsidiary bank $ 32,000 $ 34,000 $ 17,500 Interest and dividend income — — 48 Loss on other investments (23) — — 31,977 34,000 17,548 Expense Operating expenses 2,044 1,793 1,330 Interest expense 5,397 5,050 5,047 7,441 6,843 6,377 Income before income tax and equity in undistributed earnings of subsidiaries 24,536 27,157 11,171 Credit for income taxes (1,381) (1,204) (1,709) Income before equity in earnings of subsidiaries 25,917 28,361 12,880 Equity in undistributed earnings of subsidiaries 47,695 38,748 38,684 Net income $ 73,612 $ 67,109 $ 51,564 2019 2018 2017 (In Thousands) Statements of Cash Flows Operating Activities Net income $ 73,612 $ 67,109 $ 51,564 Items not requiring (providing) cash Equity in undistributed earnings of subsidiary (47,695) (38,748) (38,684) Compensation expense for stock option grants 922 737 564 Amortization of interest rate derivative and deferred costs on subordinated notes 434 154 441 Loss on other investments 23 — — Changes in Prepaid expenses and other assets (3) 13 132 Accounts payable and accrued expenses 226 182 (115) Income taxes 300 (278) 6 Net cash provided by operating activities 27,819 29,169 13,908 Investing Activities (Investment)/Return of principal - other investments 2 — — Net cash provided by investing activities 2 — — Financing Activities Purchases of the Company’s common stock (849) (903) — Dividends paid (29,052) (15,819) (12,894) Stock options exercised 4,158 2,224 3,247 Net cash used in financing activities (25,743) (14,498) (9,647) Increase in Cash 2,078 14,671 4,261 Cash, Beginning of Year 56,648 41,977 37,716 Cash, End of Year $ 58,726 $ 56,648 $ 41,977 Additional Cash Payment Information Interest paid $ 5,424 $ 5,001 $ 5,059 2019 2018 2017 (In Thousands) Statements of Comprehensive Income Net Income $ 73,612 $ 67,109 $ 51,564 Change in fair value of cash flow hedge, net of taxes of $0, $0 and $93 for 2019, 2018 and 2017, respectively — — 161 Comprehensive income (loss) of subsidiaries 22,619 8,114 (478) Comprehensive Income $ 96,231 $ 75,223 $ 51,247

Note 27_ Sale of Branches and R

Note 27: Sale of Branches and Related Deposits	12 Months Ended
	Dec. 31, 2019
Notes
Note 27: Sale of Branches and Related Deposits	Note 27: Sale of Branches and Related Deposits On July 20, 2018, the Company closed on the sale of four banking centers and related deposits in the Omaha, Neb., metropolitan market to Lincoln, Neb.-based West Gate Bank. Pursuant to the purchase and assumption agreement, the Bank sold branch deposits of approximately $56 million and sold substantially all branch-related real estate, fixed assets and ATMs. The Company recorded a pre-tax gain (excluding transaction expenses of $165,000) of $7.4 million on the sale based on the contractual deposit premium and the sales price of the branch assets.

Note 28_ Subsequent Event - Int

Note 28: Subsequent Event - Interest Rate Swap Termination	12 Months Ended
	Dec. 31, 2019
Notes
Note 28: Subsequent Event - Interest Rate Swap Termination	Note 28: Subsequent Event – Interest Rate Swap Termination As discussed in Note 16 On March 2, 2020, the Company and its swap counterparty mutually agreed to terminate the swap, effective immediately. The Company received a payment of $45.9 million, including accrued but unpaid interest, from its swap counterparty as a result of this termination. This $45.9 million, less the accrued interest portion and net of deferred income taxes, will be reflected in the Company’s equity as Accumulated Other Comprehensive Income and a portion of it will be accreted to interest income monthly through the original contractual termination date of October 6, 2025. This will have the effect of reducing Accumulated Other Comprehensive Income and increasing Net Interest Income and Retained Earnings over the period.

Note 1_ Nature of Operations _2

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Nature of Operations (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Nature of Operations	Great Southern Bancorp, Inc. (“GSBC” or the “Company”) operates as a one-bank holding company. GSBC’s business primarily consists of the operations of Great Southern Bank (the “Bank”), which provides a full range of financial services to customers primarily located in Missouri, Iowa, Kansas, Minnesota, Nebraska and Arkansas. The Bank also originates commercial loans from lending offices in Atlanta, Ga., Chicago, Ill., Dallas, Texas, Denver, Colo., Omaha, Neb. and Tulsa, Okla. The Company and the Bank are subject to regulation by certain federal and state agencies and undergo periodic examinations by those regulatory agencies. The Company’s banking operation is its only reportable segment. The banking operation is principally engaged in the business of originating residential and commercial real estate loans, construction loans, commercial business loans and consumer loans and funding these loans by attracting deposits from the general public, accepting brokered deposits and borrowing from the Federal Home Loan Bank and others. The operating results of this segment are regularly reviewed by management to make decisions about resource allocations and to assess performance. Selected information is not presented separately for the Company’s reportable segment, as there is no material difference between that information and the corresponding information in the consolidated financial statements.

Note 1_ Nature of Operations _3

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Use of Estimates, Policy (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Use of Estimates, Policy	The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses and the valuation of real estate acquired in connection with foreclosures or in satisfaction of loans, the valuation of loans acquired with indication of impairment and other-than-temporary impairments (OTTI) and fair values of financial instruments. In connection with the determination of the allowance for loan losses and the valuation of foreclosed assets held for sale, management obtains independent appraisals for significant properties. In addition, the Company considers that the determination of the carrying value of goodwill and intangible assets involves a high degree of judgment and complexity

Note 1_ Nature of Operations _4

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Consolidation, Policy (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Consolidation, Policy	The consolidated financial statements include the accounts of Great Southern Bancorp, Inc., its wholly owned subsidiary, the Bank, and the Bank’s wholly owned subsidiaries, Great Southern Real Estate Development Corporation, GSB One LLC (including its wholly owned subsidiary, GSB Two LLC), Great Southern Financial Corporation, Great Southern Community Development Company, LLC (including its wholly owned subsidiary, Great Southern CDE, LLC), GS, LLC, GSSC, LLC, GSTC Investments, LLC, GS-RE Holding, LLC (including its wholly owned subsidiary, GS RE Management, LLC), GS-RE Holding II, LLC, GS-RE Holding III, LLC, VFP Conclusion Holding, LLC and VFP Conclusion Holding II, LLC. All significant intercompany accounts and transactions have been eliminated in consolidation.

Note 1_ Nature of Operations _5

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Federal Home Loan Bank Stock Policy (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Federal Home Loan Bank Stock Policy	Federal Home Loan Bank common stock is a required investment for institutions that are members of the Federal Home Loan Bank system. The required investment in common stock is based on a predetermined formula, carried at cost and evaluated for impairment.

Note 1_ Nature of Operations _6

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Marketable Securities, Policy (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Marketable Securities, Policy	Available-for-sale securities, which include any security for which the Company has no immediate plan to sell but which may be sold in the future, are carried at fair value. Unrealized gains and losses are recorded, net of related income tax effects, in other comprehensive income. Held-to-maturity securities, which include any security for which the Company has the positive intent and ability to hold until maturity, are carried at historical cost adjusted for amortization of premiums and accretion of discounts. Amortization of premiums and accretion of discounts are recorded as interest income from securities. Realized gains and losses are recorded as net security gains (losses). Gains and losses on sales of securities are determined on the specific-identification method. For debt securities with fair value below carrying value when the Company does not intend to sell a debt security, and it is more likely than not the Company will not have to sell the security before recovery of its cost basis, it recognizes the credit component of an other-than-temporary impairment (“OTTI”) of a debt security in earnings and the remaining portion in other comprehensive income. For held-to-maturity debt securities, the amount of an OTTI recorded in other comprehensive income for the noncredit portion of a previous OTTI is amortized prospectively over the remaining life of the security on the basis of the timing of future estimated cash flows of the security. The Company’s consolidated statements of income reflect the full impairment (that is, the difference between the security’s amortized cost basis and fair value) on debt securities that the Company intends to sell or would more likely than not be required to sell before the expected recovery of the amortized cost basis. For available-for-sale and held-to-maturity debt securities that management has no intent to sell and believes that it more likely than not will not be required to sell prior to recovery, only the credit loss component of the impairment is recognized in earnings, while the noncredit loss is recognized in accumulated other comprehensive income. The credit loss component recognized in earnings is identified as the amount of principal cash flows not expected to be received over the remaining term of the security based on cash flow projections. For equity securities, if any, when the Company has decided to sell an impaired available-for-sale security and the Company does not expect the fair value of the security to fully recover before the expected time of sale, the security is deemed OTTI in the period in which the decision to sell is made. The Company recognizes an impairment loss when the impairment is deemed other-than-temporary even if a decision to sell has not been made.

Note 1_ Nature of Operations _7

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Mortgage Loans Held for Sale Policy (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Mortgage Loans Held for Sale Policy	Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or fair value in the aggregate. Write-downs to fair value are recognized as a charge to earnings at the time the decline in value occurs. Nonbinding forward commitments to sell individual mortgage loans are generally obtained to reduce market risk on mortgage loans in the process of origination and mortgage loans held for sale. Gains and losses resulting from sales of mortgage loans are recognized when the respective loans are sold to investors. Fees received from borrowers to guarantee the funding of mortgage loans held for sale and fees paid to investors to ensure the ultimate sale of such mortgage loans are recognized as income or expense when the loans are sold or when it becomes evident that the commitment will not be used.

Note 1_ Nature of Operations _8

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Loans Originated by the Company (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Loans Originated by the Company	Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at their outstanding principal balances adjusted for any charge-offs, the allowance for loan losses, any deferred fees or costs on originated loans and unamortized premiums or discounts on purchased loans. Interest income is reported on the interest method and includes amortization of net deferred loan fees and costs over the loan term. Past due status is based on the contractual terms of a loan. Generally, loans are placed on nonaccrual status at 90 days past due and interest is considered a loss, unless the loan is well secured and in the process of collection. Payments received on nonaccrual loans are applied to principal until the loans are returned to accrual status. Loans are returned to accrual status when all payments contractually due are brought current, payment performance is sustained for a period of time, generally six months, and future payments are reasonably assured. With the exception of consumer loans, charge-offs on loans are recorded when available information indicates a loan is not fully collectible and the loss is reasonably quantifiable. Consumer loans are charged-off at specified delinquency dates consistent with regulatory guidelines.

Note 1_ Nature of Operations _9

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Loans and Leases Receivable, Allowance for Loan Losses Policy (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Loans and Leases Receivable, Allowance for Loan Losses Policy	The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired. For loans classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non-classified loans and is based on historical charge-off experience and expected loss given default derived from the Company’s internal risk rating process. Other adjustments may be made to the allowance for certain loan segments after an assessment of internal or external influences on credit quality that are not fully reflected in the historical loss or risk rating data. A loan is considered impaired when, based on current information and events, it is probable that not all of the principal and interest due under the loan agreement will be collected in accordance with contractual terms. For non-homogeneous loans, such as commercial loans, management determines which loans are reviewed for impairment based on information obtained by account officers, weekly past due meetings, various analyses including annual reviews of large loan relationships, calculations of loan debt coverage ratios as financial information is obtained and periodic reviews of all loans over $1.0 million. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length and reasons for the delay, the borrower’s prior payment record and the amount of any collateral shortfall in relation to the principal and interest owed. Large groups of smaller balance homogenous loans, such as consumer and residential loans, are collectively evaluated for impairment. In accordance with regulatory guidelines, impairment in the consumer and mortgage loan portfolio is primarily identified based on past-due status. Consumer and mortgage loans which are over 90 days past due or specifically identified as troubled debt restructurings will generally be individually evaluated for impairment. Impairment is measured on a loan-by-loan basis for both homogeneous and non-homogeneous loans by either the present value of expected future cash flows or the fair value of the collateral if the loan is collateral dependent. Payments made on impaired loans are treated in accordance with the accrual status of the loan. If loans are performing in accordance with their contractual terms but the ultimate collectability of principal and interest is questionable, payments are applied to principal only.

Note 1_ Nature of Operations_10

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Loans Acquired in Business Combination (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Loans Acquired in Business Combination	Loans acquired in business combinations under ASC Topic 805, Business Combinations Fair Value Measurements and Disclosures For acquired loans not acquired in conjunction with an FDIC-assisted transaction that are not considered to be purchased credit-impaired loans, the Company evaluates those loans acquired in accordance with the provisions of ASC Topic 310-20, Nonrefundable Fees and Other Costs Loans and Debt Securities Acquired with Deteriorated Credit Quality The Company evaluates all of its loans acquired in conjunction with its FDIC-assisted transactions in accordance with the provisions of ASC Topic 310-30. For purposes of applying ASC 310-30, loans acquired in FDIC-assisted business combinations are aggregated into pools of loans with common risk characteristics. All loans acquired in the FDIC transactions, both covered and not covered by loss sharing agreements, were deemed to be purchased credit-impaired loans as there is general evidence of credit deterioration since origination in the pools and there is some probability that not all contractually required payments will be collected. As a result, related discounts are recognized subsequently through accretion based on changes in the expected cash flows of these acquired loans. The expected cash flows of the acquired loan pools in excess of the fair values recorded is referred to as the accretable yield and is recognized in interest income over the remaining estimated lives of the loan pools for impaired loans accounted for under ASC Topic 310-30. Subsequent to acquisition date, the Company has estimated cash flows expected to be collected on pools of loans sharing common risk characteristics, which are treated in the aggregate when applying various valuation techniques. Increases in the Company’s cash flow expectations have been recognized as increases to the accretable yield while decreases have been recognized as impairments through the allowance for loan losses.

Note 1_ Nature of Operations_11

Note 1: Nature of Operations and Summary of Significant Accounting Policies: FDIC Indemnification Asset (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
FDIC Indemnification Asset	Through two FDIC-assisted transactions during 2009, one during 2011 and one during 2012, the Bank acquired certain loans and foreclosed assets which were covered under loss sharing agreements with the FDIC. These agreements committed the FDIC to reimburse the Bank for a portion of realized losses on these covered assets. Therefore, as of the dates of acquisitions, the Company calculated the amount of such reimbursements it expected to receive from the FDIC using the present value of anticipated cash flows from the covered assets based on the credit adjustments estimated for each pool of loans and the estimated losses on foreclosed assets. In accordance with FASB ASC 805, each FDIC Indemnification Asset was initially recorded at its fair value, and was measured separately from the loan assets and foreclosed assets because the loss sharing agreements were not contractually embedded in them or transferrable with them in the event of disposal. The balance of the FDIC Indemnification Asset increased and decreased as the expected and actual cash flows from the covered assets fluctuated, as loans were paid off or impaired and as loans and foreclosed assets were sold. There were no contractual interest rates on the contractual receivables from the FDIC; however, a discount was recorded against the initial balance of the FDIC Indemnification Asset in conjunction with the fair value measurement as the receivable was to be collected over the terms of the loss sharing agreements. This discount was accreted to income up until the termination of the loss sharing agreements. During 2016 and 2017, the Company and the FDIC mutually agreed to terminate all of these loss sharing agreements prior to their contractual termination dates. These acquisitions and agreements are more fully discussed in Note 4

Note 1_ Nature of Operations_12

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Other Real Estate Owned and Repossessions (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Other Real Estate Owned and Repossessions	Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less estimated cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less estimated cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in net expense on foreclosed assets. Other real estate owned also includes bank premises formerly, but no longer, used for banking, as well as property originally acquired for future expansion but no longer intended to be used for that purpose.

Note 1_ Nature of Operations_13

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Property, Plant and Equipment, Policy (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Property, Plant and Equipment, Policy	Premises and equipment are stated at cost less accumulated depreciation. Depreciation is charged to expense using the straight-line and accelerated methods over the estimated useful lives of the assets. Leasehold improvements are capitalized and amortized using the straight-line and accelerated methods over the terms of the respective leases or the estimated useful lives of the improvements, whichever is shorter. Material lease obligations consist of leases for various loan offices and banking centers, all of which are categorized as “operating leases.” Under current accounting guidance, lessees are required to recognize a lease liability and a right-of-use asset for these leases. This right-of-use asset is included in Premises and Equipment.

Note 1_ Nature of Operations_14

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Impairment or Disposal of Long-Lived Assets, Policy (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Impairment or Disposal of Long-Lived Assets, Policy	The Company evaluates the recoverability of the carrying value of long-lived assets whenever events or circumstances indicate the carrying amount may not be recoverable. If a long-lived asset is tested for recoverability and the undiscounted estimated future cash flows expected to result from the use and eventual disposition of the asset is less than the carrying amount of the asset, the asset cost is adjusted to fair value and an impairment loss is recognized as the amount by which the carrying amount of a long-lived asset exceeds its fair value. No asset impairment was recognized during the years ended December 31, 2019, 2018 and 2017. At December 31, 2019, the remaining valuation allowance related to various properties was $220,000.

Note 1_ Nature of Operations_15

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Goodwill and Intangible Assets, Goodwill, Policy (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Goodwill and Intangible Assets, Goodwill, Policy	Goodwill is evaluated annually for impairment or more frequently if impairment indicators are present. A qualitative assessment is performed to determine whether the existence of events or circumstances leads to a determination that it is more likely than not the fair value is less than the carrying amount, including goodwill. If, based on the evaluation, it is determined to be more likely than not that the fair value is less than the carrying value, then goodwill is tested further for impairment. If the implied fair value of goodwill is lower than its carrying amount, a goodwill impairment is indicated and goodwill is written down to its implied fair value. Subsequent increases in goodwill fair value are not recognized in the financial statements. Intangible assets are being amortized on the straight-line basis generally over a period of seven years. Such assets are periodically evaluated as to the recoverability of their carrying value.

Note 1_ Nature of Operations_16

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Schedule of Intangible Assets and Goodwill (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Schedule of Intangible Assets and Goodwill	A summary of goodwill and intangible assets is as follows: December 31, 2019 2018 (In Thousands) Goodwill – Branch acquisitions $ 5,396 $ 5,396 Deposit intangibles InterBank — 36 Boulevard Bank 153 275 Valley Bank 600 1,000 Fifth Third Bank 1,949 2,581 2,702 3,892 $ 8,098 $ 9,288

Note 1_ Nature of Operations_17

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Loan Servicing and Origination Fee Income (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Loan Servicing and Origination Fee Income	Loan servicing income represents fees earned for servicing real estate mortgage loans owned by various investors. The fees are generally calculated on the outstanding principal balances of the loans serviced and are recorded as income when earned. Loan origination fees, net of direct loan origination costs, are recognized as income using the level-yield method over the contractual life of the loan.

Note 1_ Nature of Operations_18

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Stockholders' Equity, Policy (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Stockholders' Equity, Policy	The Company is incorporated in the State of Maryland. Under Maryland law, there is no concept of “Treasury Shares.” Instead, shares purchased by the Company constitute authorized but unissued shares under Maryland law. Accounting principles generally accepted in the United States of America state that accounting for treasury stock shall conform to state law. The cost of shares purchased by the Company has been allocated to common stock and retained earnings balances.

Note 1_ Nature of Operations_19

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Earnings Per Share, Policy (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Earnings Per Share, Policy	Basic earnings per common share are computed based on the weighted average number of common shares outstanding during each year. Diluted earnings per common share are computed using the weighted average common shares and all potential dilutive common shares outstanding during the period. Earnings per common share (EPS) were computed as follows: 2019 2018 2017 (In Thousands, Except Per Share Data) Net income and net income available to common shareholders $ 73,612 $ 67,109 $ 51,564 Average common shares outstanding 14,201 14,132 14,032 Average common share stock options outstanding 129 128 148 Average diluted common shares 14,330 14,260 14,180 Earnings per common share – basic $ 5.18 $ 4.75 $ 3.67 Earnings per common share – diluted $ 5.14 $ 4.71 $ 3.64 Options outstanding at December 31, 2019, 2018 and 2017, to purchase 201,400, 424,833 and 253,711 shares of common stock, respectively, were not included in the computation of diluted earnings per common share for each of the years because the exercise prices of such options were greater than the average market prices of the common stock for the years ended December 31, 2019, 2018 and 2017, respectively.

Note 1_ Nature of Operations_20

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Stock Compensation Plans (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Stock Compensation Plans	The Company has stock-based employee compensation plans, which are described more fully in Note 20

Note 1_ Nature of Operations_21

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Cash and Cash Equivalents, Policy (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Cash and Cash Equivalents, Policy	The Company considers all liquid investments with original maturities of three months or less to be cash equivalents. At December 31, 2019 and 2018, cash equivalents consisted of interest-bearing deposits in other financial institutions. At December 31, 2019, nearly all of the interest-bearing deposits were uninsured with nearly all of these balances held at the Federal Home Loan Bank or the Federal Reserve Bank.

Note 1_ Nature of Operations_22

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Income Tax, Policy (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Income Tax, Policy	The Company accounts for income taxes in accordance with income tax accounting guidance (FASB ASC 740, Income Taxes Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term “more likely than not” means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances and information available at the reporting date and is subject to management’s judgment. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized. At December 31, 2019 and 2018, no valuation allowance was established. The Company recognizes interest and penalties on income taxes as a component of income tax expense. The Company files consolidated income tax returns with its subsidiaries.

Note 1_ Nature of Operations_23

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Derivatives, Policy (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Derivatives, Policy	FASB ASC 815, Derivatives and Hedging instruments Note 16 As required by FASB ASC 815, the Company records all derivatives in the statement of financial condition at fair value. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Company has elected to designate a derivative in a hedging relationship

Note 1_ Nature of Operations_24

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Restrictions on Cash and Due From Banks (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Restrictions on Cash and Due From Banks	The Bank is required to maintain reserve funds in cash and/or on deposit with the Federal Reserve Bank. The reserve required at December 31, 2019 and 2018, respectively, was $69.4 million and $62.6 million .

Note 1_ Nature of Operations_25

Note 1: Nature of Operations and Summary of Significant Accounting Policies: New Accounting Pronouncements, Policy (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
New Accounting Pronouncements, Policy	In February 2016, the FASB issued ASU No. 2016-02, Leases (Topic 842) Codification Improvements to Topic 842, Leases Note 6 In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments – Credit Losses (Topic 326) In January 2017, the FASB issued ASU No. 2017-04, Intangibles: Goodwill and Other: Simplifying the Test for Goodwill Impairment (Topic 350) In August 2018, the FASB issued ASU 2018-13 , Fair Value Measurement (Topic 820) - Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement

Note 2_ Investments in Securi_2

Note 2: Investments in Securities: Mortgage-backed securities portfolio (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Mortgage-backed securities portfolio	At December 31, 2019, the Company’s agency mortgage-backed securities portfolio consisted of FNMA securities totaling $147.6 million, FHLMC securities totaling $13.3 million and GNMA securities totaling $4.1 million. At December 31, 2019, agency collateralized mortgage obligations consisted of GNMA securities totaling $122.7 million, FNMA securities totaling $23.9 million, and FHLMC securities totaling $5.4 million. At December 31, 2019, $144.3 million of the Company’s agency mortgage-backed securities had fixed rates of interest and $20.7 million had variable rates of interest. At December 31, 2019, $149.9 million of the Company’s agency collateralized mortgage obligations had fixed rates of interest and $2.1 million had variable rates of interest.

Note 2_ Investments in Securi_3

Note 2: Investments in Securities: Certain investments in debt securities reported at less than historical cost (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Certain investments in debt securities reported at less than historical cost	Certain investments in debt securities are reported in the financial statements at an amount less than their historical cost. Total fair value of these investments at December 31, 2019 and 2018, was approximately $116.2 million and $95.7 million, respectively, which is approximately 31.1% and 39.2% of the Company’s available-for-sale and held-to-maturity investment portfolio, respectively.

Note 2_ Investments in Securi_4

Note 2: Investments in Securities: Other-than-temporary Impairment (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Other-than-temporary Impairment	Upon acquisition of a security, the Company decides whether it is within the scope of the accounting guidance for beneficial interests in securitized financial assets or will be evaluated for impairment under the accounting guidance for investments in debt and equity securities. The accounting guidance for beneficial interests in securitized financial assets provides incremental impairment guidance for a subset of the debt securities within the scope of the guidance for investments in debt and equity securities. For securities where the security is a beneficial interest in securitized financial assets, the Company uses the beneficial interests in securitized financial asset impairment model. For securities where the security is not a beneficial interest in securitized financial assets, the Company uses the debt and equity securities impairment model. The Company does not currently have securities within the scope of this guidance for beneficial interests in securitized financial assets. The Company routinely conducts periodic reviews to identify and evaluate each investment security to determine whether an other-than-temporary impairment has occurred. The Company considers the length of time a security has been in an unrealized loss position, the relative amount of the unrealized loss compared to the carrying value of the security, the type of security and other factors. If certain criteria are met, the Company performs additional review and evaluation using observable market values or various inputs in economic models to determine if an unrealized loss is other than temporary. The Company uses quoted market prices for marketable equity securities and uses broker pricing quotes based on observable inputs for equity investments that are not traded on a stock exchange. For non-agency collateralized mortgage obligations, to determine if the unrealized loss is other than temporary, the Company projects total estimated defaults of the underlying assets (mortgages) and multiplies that calculated amount by an estimate of realizable value upon sale in the marketplace (severity) in order to determine the projected collateral loss. The Company also evaluates any current credit enhancement underlying these securities to determine the impact on cash flows. If the Company determines that a given security position will be subject to a write-down or loss, the Company records the expected credit loss as a charge to earnings. During 2019, 2018 and 2017, no securities were determined to have impairment that had become other-than-temporary.

Note 4_ Acquired Loans, Loss _2

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Combinations Policy (Policies)	12 Months Ended
	Dec. 31, 2019
TeamBank
Business Combinations Policy	TeamBank On March 20, 2009, Great Southern Bank entered into a purchase and assumption agreement with loss share with the Federal Deposit Insurance Corporation (FDIC) to assume all of the deposits (excluding brokered deposits) and acquire certain assets of TeamBank, N.A., a full service commercial bank headquartered in Paola, Kansas. The loans, commitments and foreclosed assets purchased in the TeamBank transaction were covered by a loss sharing agreement between the FDIC and Great Southern Bank. This agreement originally was to extend for ten years for 1-4 family real estate loans and for five years for other loans. The five-year period ended March 31, 2014 and the ten-year period was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC. See “Loss Sharing Agreements” below. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.
Vantus Bank
Business Combinations Policy	Vantus Bank On September 4, 2009, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Vantus Bank, a full service thrift headquartered in Sioux City, Iowa. The loans, commitments and foreclosed assets purchased in the Vantus Bank transaction were covered by a loss sharing agreement between the FDIC and Great Southern Bank. This agreement originally was to extend for ten years for 1-4 family real estate loans and for five years for other loans. The five year period ended September 30, 2014 and the ten-year period was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC. See “Loss Sharing Agreements” below. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.
Sun Security Bank
Business Combinations Policy	Sun Security Bank On October 7, 2011, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Sun Security Bank, a full service bank headquartered in Ellington, Missouri. The loans and foreclosed assets purchased in the Sun Security Bank transaction were covered by a loss sharing agreement between the FDIC and Great Southern Bank. This agreement originally was to extend for ten years for 1-4 family real estate loans and for five years for other loans but was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC. See “Loss Sharing Agreements” below. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.
InterBank
Business Combinations Policy	InterBank On April 27, 2012, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Inter Savings Bank, FSB (“InterBank”), a full service bank headquartered in Maple Grove, Minnesota. The loans and foreclosed assets purchased in the InterBank transaction were covered by a loss sharing agreement between the FDIC and Great Southern Bank. This agreement originally was to extend for ten years for 1-4 family real estate loans and for five years for other loans but was terminated early, effective June 9, 2017, by mutual agreement of Great Southern Bank and the FDIC. See “Loss Sharing Agreements” below. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. A premium was recorded in conjunction with the fair value of the acquired loans and the amount amortized to yield during 2019, 2018 and 2017 was $99 ,000, $175 ,000 and $269 ,000, respectively.
Valley Bank
Business Combinations Policy	Valley Bank On June 20, 2014, Great Southern Bank entered into a purchase and assumption agreement with the FDIC to purchase a substantial portion of the loans and investment securities, as well as certain other assets, and assume all of the deposits, as well as certain other liabilities, of Valley Bank, a full-service bank headquartered in Moline, Illinois, with significant operations in Iowa. This transaction did not include a loss sharing agreement. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. A premium was recorded in conjunction with the fair value of the acquired loans and the amount amortized to yield during 2019, 2018 and 2017 was $0 , $11 ,000 and $217 ,000, respectively.

Note 4_ Acquired Loans, Loss _3

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Loss Sharing Agreements (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Loss Sharing Agreements	Loss Sharing Agreements On April 26, 2016, Great Southern Bank executed an agreement with the FDIC to terminate the loss sharing agreements for Team Bank, Vantus Bank and Sun Security Bank, effective immediately. The agreement required the FDIC to pay $4.4 million to settle all outstanding items related to the terminated loss sharing agreements. As a result of entering into the termination agreement, assets that were covered by the terminated loss sharing agreements were reclassified as non-covered assets effective April 26, 2016. All rights and obligations of the Bank and the FDIC under the terminated loss sharing agreements, including the settlement of all existing loss sharing and expense reimbursement claims, have been resolved and terminated. On June 9, 2017, Great Southern Bank executed an agreement with the FDIC to terminate the loss sharing agreements for InterBank, effective immediately. Pursuant to the termination agreement, the FDIC paid $15.0 million to the Bank to settle all outstanding items related to the terminated loss sharing agreements. The Company recorded a pre-tax gain on the termination of $7.7 million . As a result of entering into the termination agreement, assets that were covered by the terminated loss sharing arrangements were reclassified as non-covered assets effective June 9, 2017. All rights and obligations of the Bank and the FDIC under the terminated loss sharing agreements, including the settlement of all existing loss sharing and expense reimbursement claims, have been resolved and terminated. The terminations of the loss sharing agreements for the TeamBank, Vantus Bank, Sun Security Bank and InterBank transactions have had no impact on the yields for the loans that were previously covered under these agreements. All post-termination recoveries, gains, losses and expenses related to these previously covered assets are recognized entirely by Great Southern Bank since the FDIC no longer shares in such gains or losses. Accordingly, the Company’s earnings are positively impacted to the extent the Company recognizes gains on any sales or recoveries in excess of the carrying value of such assets. Similarly, the Company’s future earnings are negatively impacted to the extent the Company recognizes expenses, losses or charge-offs related to such assets.

Note 4_ Acquired Loans, Loss _4

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Acquisition Fair Value and Expected Cash Flows Policy (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Business Acquisition Fair Value and Expected Cash Flows Policy	Fair Value and Expected Cash Flows At the time of these acquisitions, the Company determined the fair value of the loan portfolios based on several assumptions. Factors considered in the valuations were projected cash flows for the loans, type of loan and related collateral, classification status, fixed or variable interest rate, term of loan, current discount rates and whether or not the loan was amortizing. Loans were grouped together according to similar characteristics and were treated in the aggregate when applying various valuation techniques. Management also estimated the amount of credit losses that were expected to be realized for the loan portfolios. The discounted cash flow approach was used to value each pool of loans. For non-performing loans, fair value was estimated by calculating the present value of the recoverable cash flows using a discount rate based on comparable corporate bond rates. This valuation of the acquired loans is a significant component leading to the valuation of the loss sharing assets recorded. The amount of the estimated cash flows expected to be received from the acquired loan pools in excess of the fair values recorded for the loan pools is referred to as the accretable yield. The accretable yield is recognized as interest income over the estimated lives of the loans. On an ongoing basis, the Company has evaluated the fair value of the loans including cash flows expected to be collected. Increases in the Company’s cash flow expectations are recognized as increases to the accretable yield while decreases are recognized as impairments through the allowance for loan losses. During the years ended December 31, 2019, 2018 and 2017, improvements in expected cash flows related to the acquired loan portfolios resulted in adjustments to the accretable yield to be spread over the estimated remaining lives of the loans on a level-yield basis. The increases in expected cash flows also reduced the amount of expected reimbursements under the loss sharing agreements, when applicable, until they were terminated or expired. This resulted in corresponding adjustments during the year ended December 31, 2017, to the indemnification assets (which during 2017 were reduced to $-0- due to the termination of the loss sharing agreements). The amounts of these adjustments were as follows: Year Ended December 31, 2019 2018 2017 (In Thousands) Increase in accretable yield due to increased cash flow expectations $ 12,323 $ 5,202 $ 1,333 The adjustments, along with those made in previous years, impacted the Company’s Consolidated Statements of Income as follows: Year Ended December 31, 2019 2018 2017 (In Thousands) Interest income $ 7,431 $ 5,134 $ 5,014 Noninterest income — — (634) Net impact to pre-tax income $ 7,431 $ 5,134 $ 4,380 On an on-going basis the Company has estimated the cash flows expected to be collected from the acquired loan pools. For each of the loan portfolios acquired, the cash flow estimates have increased, based on payment histories and reduced credit loss expectations. This resulted in increased income that has been spread, on a level-yield basis, over the remaining expected lives of the loan pools (and, therefore, has decreased over time). Increases in expected cash flows also reduced the amount of expected reimbursements under the loss sharing agreements with the FDIC (when such agreements were in place), which were recorded as indemnification assets. Therefore, the expected indemnification assets had also been reduced, resulting in adjustments to be amortized on a comparable basis over the remainder of the loss sharing agreements or the remaining expected lives of the loan pools, whichever was shorter. Additional estimated cash flows totaling approximately $12.3 million were recorded in the year ended December 31, 2019 related to these loan pools, with no corresponding reduction in expected reimbursement from the FDIC as the remaining loss sharing agreements were terminated in 2017. Because these adjustments to accretable yield will be recognized generally over the remaining lives of the loan pools, they will impact future periods as well. As of December 31, 2019, the remaining accretable yield adjustment that will affect interest income was $7.6 million. Of the remaining adjustments affecting interest income, we expect to recognize $5.6 million of interest income during 2020. As there is no longer, nor will there be in the future, indemnification asset amortization related to TeamBank, Vantus Bank, Sun Security Bank or InterBank due to the termination or expiration of the related loss sharing agreements for those transactions, there is no remaining indemnification asset or related adjustments that will affect non-interest income (expense). During the three months ending March 31, 2020, we will adopt the new accounting standard related to accounting for credit losses. With the adoption of this standard, there will be no more reclassification of discounts from non-accretable to accretable subsequent to December 31, 2019. All adjustments made prior to December 31, 2019 will continue to be accreted to interest income. Changes in the accretable yield for acquired loan pools were as follows for the years ended December 31, 2019, 2018 and 2017: Sun TeamBank Vantus Bank Security Bank InterBank Valley Bank (In Thousands) Balance, January 1, 2017 $ 2,477 $ 2,547 $ 4,277 $ 8,512 $ 4,797 Accretion (1,563) (1,373) (2,251) (7,505) (5,823) Reclassification from nonaccretable difference (1) 1,157 676 875 4,067 3,721 Balance, December 31, 2017 2,071 1,850 2,901 5,074 2,695 Accretion (1,042) (1,196) (1,667) (8,349) (3,892) Reclassification from nonaccretable difference (1) 327 778 1,008 8,269 4,260 Balance, December 31, 2018 1,356 1,432 2,242 4,994 3 ,063 Accretion (955) (1,006) (1,562) (8,798) (4,302) Reclassification from nonaccretable difference (1) 756 697 1,268 12,081 5,817 Balance, December 31, 2019 $ 1,157 $ 1,123 $ 1,948 $ 8,277 $ 4,578 (1) Represents increases in estimated cash flows expected to be received from the acquired loan pools, primarily due to lower estimated credit losses. The numbers also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the year ended December 31, 2019, totaling $667,000, $480,000, $810,000, $3.9 million and $2.5 million, respectively; for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the year ended December 31, 2018, totaling $312,000, $778,000, $756,000, $4.1 million and $3.5 million, respectively; and for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the year ended December 31, 2017, totaling $1.1 million, $663,000, $850,000, $3.5 million and $3.0 million, respectively

Note 6_ Premises and Equipment_

Note 6: Premises and Equipment: Lessee, Operating Lease, Disclosure (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Lessee, Operating Lease, Disclosure	Leases. Leases (Topic 842) All of our leases are classified as operating leases (as they were prior to January 1, 2019), and therefore were previously not recognized on the Company’s consolidated statements of financial condition. With the adoption of ASU 2016-02, these operating leases are now included as a right of use asset in the premises and equipment line item on the Company’s consolidated statements of financial condition. The corresponding lease liability is included in the accrued expenses and other liabilities line item on the Company’s consolidated statements of financial condition. Because these leases are classified as operating leases, the adoption of the new standard did not have a material effect on lease expense on the Company’s consolidated statements of income. ASU 2016-02 provides a number of optional practical expedients in transition. The Company has elected the “package of practical expedients,” which permits the Company not to reassess under the new standard the prior conclusions about lease identification, lease classification and initial direct costs. The Company also elected the use of the hindsight, a practical expedient which permits the use of information available after lease inception to determine the lease term via the knowledge of renewal options exercised not available as of the lease’s inception. The practical expedient pertaining to land easements is not applicable to the Company. ASU 2016-02 also requires certain other accounting elections. The Company elected the short-term lease recognition exemption for all leases that qualify, meaning those with terms under twelve months. Right of use assets or lease liabilities are not to be recognized for short-term leases. The Company also elected the practical expedient to not separate lease and non-lease components for all leases. The Company’s short-term leases related to offsite ATMs have both fixed and variable lease payment components, based on the number of transactions at the various ATMs. The variable portion of these lease payments is not material and the total lease expense related to ATMs was $286,000 for the year ended December 31, 2019. The calculated amounts of the right of use assets and lease liabilities in the table below are impacted by the length of the lease term and the discount rate used to present value the minimum lease payments. The Company’s lease agreements often include one or more options to renew extended term in the calculation of the right of use asset and lease liability. Regarding the discount rate, the ASU requires the use of the rate implicit in the lease at the Company’s discretion. If at lease inception, the Company considers the exercising of a renewal option to be reasonably certain, the Company will include the extended term in the calculation of the right of use asset and lease liability. Regarding the discount rate, the ASU requires the use of the rate implicit in the lease whenever this rate is readily determinable. As this rate is rarely determinable, the Company utilizes its incremental borrowing rate at lease inception over a similar term. The discount rate utilized was the FHLBank borrowing rate for the term corresponding to the expected term of the lease. The expected lease terms range from 2.3 years to 18.9 years with a weighted-average lease term of 10.6 years. The weighted-average discount rate was 3.40%.

Note 7_ Investments in Limite_2

Note 7: Investments in Limited Partnerships: Investments in Affordable Housing Partnerships Policy (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Investments in Affordable Housing Partnerships Policy	Investments in Affordable Housing Partnerships The Company has invested in certain limited partnerships that were formed to develop and operate apartments and single-family houses designed as high-quality affordable housing for lower income tenants throughout Missouri and contiguous states. At December 31, 2019 the Company had 15 such investments, with a net carrying value of $22.8 million. At December 31, 2018 the Company had 17 such investments, with a net carrying value of $22.9 million. Due to the Company’s inability to exercise any significant influence over any of the investments in Affordable Housing Partnerships, they all are accounted for using the proportional amortization method. Each of the partnerships must meet the regulatory requirements for affordable housing for a minimum 15-year compliance period to fully utilize the tax credits. If the partnerships cease to qualify during the compliance period, the credits may be denied for any period in which the projects are not in compliance and a portion of the credits previously taken may be subject to recapture with interest. The remaining federal affordable housing tax credits to be utilized through 2029 were $25.2 million as of December 31, 2019, assuming no tax credit recapture events occur and all projects currently under construction are completed as planned. Amortization of the investments in partnerships is expected to be approximately $22.8 million, assuming all projects currently under construction are completed and funded as planned. The Company’s usage of federal affordable housing tax credits approximated $8.0 million, $6.6 million and $6.6 million during 2019, 2018 and 2017, respectively. Investment amortization amounted to $5.8 million, $5.0 million and $5.2 million for the years ended December 31, 2019, 2018 and 2017, respectively.

Note 7_ Investments in Limite_3

Note 7: Investments in Limited Partnerships: Investments in Community Development Entities Policy (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Investments in Community Development Entities Policy	Investments in Community Development Entities The Company has invested in certain limited partnerships that were formed to develop and operate business and real estate projects located in low-income communities. At December 31, 2019, the Company had no such investment. At December 31, 2018, the Company had one such investment, with a net carrying value of $365,000. Due to the Company’s inability to exercise any significant influence over any of the investments in qualified Community Development Entities, they are all accounted for using the cost method. Each of the partnerships provides federal New Market Tax Credits over a seven-year credit allowance period. In each of the first three years, credits totaling five percent of the original investment are allowed on the credit allowance dates and for the final four years, credits totaling six percent of the original investment are allowed on the credit allowance dates. Each of the partnerships must be invested in a qualified Community Development Entity on each of the credit allowance dates during the seven-year period to utilize the tax credits. If the Community Development Entities cease to qualify during the seven-year period, the credits may be denied for any credit allowance date and a portion of the credits previously taken may be subject to recapture with interest. The investments in the Community Development Entities cannot be redeemed before the end of the seven-year period. The Company’s usage of federal New Market Tax Credits approximated $480,000, $480,000 and $1.2 million during 2019, 2018 and 2017, respectively. Investment amortization amounted to $365,000, $575,000 and $930,000 for the years ended December 31, 2019, 2018 and 2017, respectively.

Note 7_ Investments in Limite_4

Note 7: Investments in Limited Partnerships: Investments in Limited Partnerships for Federal Rehabilitation/Historic Tax Credits (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Investments in Limited Partnerships for Federal Rehabilitation/Historic Tax Credits	Investments in Limited Partnerships for Federal Rehabilitation/Historic Tax Credits From time to time, the Company has invested in certain limited partnerships that were formed to provide certain federal rehabilitation/historic tax credits. Previously, the Company utilized these credits in their entirety in the year the project was placed in service and the impact to the Consolidated Statements of Income has not been material. In future periods, such partnerships provide federal rehabilitation/historic tax credits over a five-year credit allowance period.

Note 7_ Investments in Limite_5

Note 7: Investments in Limited Partnerships: Investments in Limited Partnerships for State Tax Credits (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Investments in Limited Partnerships for State Tax Credits	Investments in Limited Partnerships for State Tax Credits From time to time, the Company has invested in certain limited partnerships that were formed to provide certain state tax credits. The Company has primarily syndicated these tax credits and the impact to the Consolidated Statements of Income has not been material.

Note 15_ Disclosures About Fa_2

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Measurement, Policy (Policies)	12 Months Ended
	Dec. 31, 2019
Policies
Fair Value Measurement, Policy	ASC Topic 820, Fair Value Measurements · · · Financial instruments are broken down as follows by recurring or nonrecurring measurement status. Recurring assets are initially measured at fair value and are required to be remeasured at fair value in the financial statements at each reporting date. Assets measured on a nonrecurring basis are assets that, due to an event or circumstance, were required to be remeasured at fair value after initial recognition in the financial statements at some time during the reporting period. The Company considers transfers between the levels of the hierarchy to be recognized at the end of related reporting periods.

Note 1_ Nature of Operations_26

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Earnings Per Share, Policy: Schedule of Earnings Per Share, Basic and Diluted (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Earnings Per Share, Basic and Diluted	Earnings per common share (EPS) were computed as follows: 2019 2018 2017 (In Thousands, Except Per Share Data) Net income and net income available to common shareholders $ 73,612 $ 67,109 $ 51,564 Average common shares outstanding 14,201 14,132 14,032 Average common share stock options outstanding 129 128 148 Average diluted common shares 14,330 14,260 14,180 Earnings per common share – basic $ 5.18 $ 4.75 $ 3.67 Earnings per common share – diluted $ 5.14 $ 4.71 $ 3.64

Note 2_ Investments in Securi_5

Note 2: Investments in Securities: Schedule of Available-for-sale Securities Reconciliation (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Available-for-sale Securities Reconciliation	December 31, 2019 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) Agency mortgage-backed securities $ 156,591 $ 8,716 $ 265 $ 165,042 Agency collateralized mortgage obligations 149,980 2,891 921 151,950 States and political subdivisions 33,757 1,368 — 35,125 Small Business Administration securities 22,132 — 74 22,058 $ 362,460 $ 12,975 $ 1,260 $ 374,175 December 31, 2018 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) Agency mortgage-backed securities $ 154,557 $ 1,272 $ 2,571 $ 153,258 Agency collateralized mortgage obligations 39,024 250 14 39,260 States and political subdivisions 50,022 1,428 — 51,450 $ 243,603 $ 2,950 $ 2,585 $ 243,968

Note 2_ Investments in Securi_6

Note 2: Investments in Securities: Investments Classified by Contractual Maturity Date (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Investments Classified by Contractual Maturity Date	Amortized Fair Cost Value (In Thousands) After one through five years $ — $ — After five through ten years 9,253 9,547 After ten years 24,504 25,578 Securities not due on a single maturity date 328,703 339,050 $ 362,460 $ 374,175

Note 2_ Investments in Securi_7

Note 2: Investments in Securities: Schedule of Financial Instruments Owned and Pledged as Collateral (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Financial Instruments Owned and Pledged as Collateral	2019 2018 Amortized Fair Amortized Fair Cost Value Cost Value (In Thousands) Public deposits $ 8,578 $ 8,913 $ 9,482 $ 9,802 Collateralized borrowing accounts 122,771 129,643 148,050 146,337 Other 7,021 7,107 763 761 $ 138,370 $ 145,663 $ 158,295 $ 156,900

Note 2_ Investments in Securi_8

Note 2: Investments in Securities: Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	2019 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Losses Value Losses Value Losses (In Thousands) Agency mortgage-backed securities $ — $ — $ 24,762 $ (265) $ 24,762 $ (265) Agency collateralized mortgage obligations 69,372 (921) — — 69,372 (921) Small Business Administration securities 22,058 (74) — — 22,058 (74) States and political subdivisions — — — — — — $ 91,430 $ (995) $ 24,762 $ (265) $ 116,192 $ (1,260) 2018 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Losses Value Losses Value Losses (In Thousands) Agency mortgage-backed securities $ 11,255 $ (82) $ 74,186 $ (2,489) $ 85,441 $ (2,571) Agency collateralized mortgage obligations 9,725 (14) — — 9,725 (14) States and political subdivisions 511 — — — 511 — $ 21,491 $ (96) $ 74,186 $ (2,489) $ 95,677 $ (2,585)

Note 3_ Loans and Allowance f_2

Note 3: Loans and Allowance for Loan Losses: Schedule of Accounts, Notes, Loans and Financing Receivable (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Accounts, Notes, Loans and Financing Receivable	2019 2018 (In Thousands) One- to four-family residential construction $ 33,963 $ 26,177 Subdivision construction 16,088 13,844 Land development 40,431 44,492 Commercial construction 1,322,861 1,417,166 Owner occupied one- to four-family residential 387,016 276,866 Non-owner occupied one- to four-family residential 120,343 122,438 Commercial real estate 1,494,172 1,371,435 Other residential 866,006 784,894 Commercial business 313,209 322,118 Industrial revenue bonds 13,189 13,940 Consumer auto 151,854 253,528 Consumer other 46,720 57,350 Home equity lines of credit 118,988 121,352 Loans acquired and accounted for under ASC 310-30, net of discounts 127,206 167,651 5,052,046 4,993,251 Undisbursed portion of loans in process (850,666) (958,441) Allowance for loan losses (40,294) (38,409) Deferred loan fees and gains, net (7,104) (7,400) $ 4,153,982 $ 3,989,001

Note 3_ Loans and Allowance f_3

Note 3: Loans and Allowance for Loan Losses: Schedule of Loans Classified by Aging Analysis (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Loans Classified by Aging Analysis	December 31, 2019 Total Loans Over 90 Total > 90 Days Past 30-59 Days 60-89 Days Days Total Past Loans Due and Past Due Past Due Past Due Due Current Receivable Still Accruing (In Thousands) One- to four-family residential construction $ — $ — $ — $ — $ 33,963 $ 33,963 $ — Subdivision construction — — — — 16,088 16,088 — Land development — 27 — 27 40,404 40,431 — Commercial construction 15,085 — — 15,085 1,307,776 1,322,861 — Owner occupied one- to four- family residential 1,453 1,631 1,198 4,282 382,734 387,016 — Non-owner occupied one- to four-family residential 152 — 181 333 120,010 120,343 — Commercial real estate 549 119 632 1,300 1,492,872 1,494,172 — Other residential 376 — — 376 865,630 866,006 — Commercial business 60 — 1,235 1,295 311,914 313,209 — Industrial revenue bonds — — — — 13,189 13,189 — Consumer auto 1,101 259 558 1,918 149,936 151,854 — Consumer other 278 233 198 709 46,011 46,720 — Home equity lines of credit 296 — 517 813 118,175 118,988 — Loans acquired and accounted for under ASC 310-30, net of discounts 2,177 709 6,191 9,077 118,129 127,206 — 21,527 2,978 10,710 35,215 5,016,831 5,052,046 — Less: Loans acquired and accounted for under ASC 310-30, net of discounts 2,177 709 6,191 9,077 118,129 127,206 — Total $ 19,350 $ 2,269 $ 4,519 $ 26,138 $ 4,898,702 $ 4,924,840 $ — December 31, 2018 Total Loans Over 90 Total > 90 Days Past 30-59 Days 60-89 Days Days Total Past Loans Due and Past Due Past Due Past Due Due Current Receivable Still Accruing (In Thousands) One- to four-family residential construction $ — $ — $ — $ — $ 26,177 $ 26,177 $ — Subdivision construction — — — — 13,844 13,844 — Land development 13 — 49 62 44,430 44,492 — Commercial construction — — — — 1,417,166 1,417,166 — Owner occupied one- to four- family residential 1,431 806 1,206 3,443 273,423 276,866 — Non-owner occupied one- to four-family residential 1,142 144 1,458 2,744 119,694 122,438 — Commercial real estate 3,940 53 334 4,327 1,367,108 1,371,435 — Other residential — — — — 784,894 784,894 — Commercial business 72 54 1,437 1,563 320,555 322,118 — Industrial revenue bonds 3 — — 3 13,937 13,940 — Consumer auto 2,596 722 1,490 4,808 248,720 253,528 — Consumer other 691 181 240 1,112 56,238 57,350 — Home equity lines of credit 229 — 86 315 121,037 121,352 — Loans acquired and accounted for under ASC 310-30, net of discounts 2,195 1,416 6,827 10,438 157,213 167,651 — 12,312 3,376 13,127 28,815 4,964,436 4,993,251 — Less: Loans acquired and accounted for under ASC 310-30, net of discounts 2,195 1,416 6,827 10,438 157,213 167,651 — Total $ 10,117 $ 1,960 $ 6,300 $ 18,377 $ 4,807,223 $ 4,825,600 $ —

Note 3_ Loans and Allowance f_4

Note 3: Loans and Allowance for Loan Losses: Financing Receivable, Nonaccrual (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Financing Receivable, Nonaccrual	December 31, 2019 2018 (In Thousands) One- to four-family residential construction $ — $ — Subdivision construction — 49 Land development — — Commercial construction — — Owner occupied one- to four-family residential 1,198 1,206 Non-owner occupied one- to four-family residential 181 1,458 Commercial real estate 632 334 Other residential — — Commercial business 1,235 1,437 Industrial revenue bonds — — Consumer auto 558 1,490 Consumer other 198 240 Home equity lines of credit 517 86 Total $ 4,519 $ 6,300

Note 3_ Loans and Allowance f_5

Note 3: Loans and Allowance for Loan Losses: Schedule of Loans and Leases Receivable Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Loans and Leases Receivable Allowance for Loan Losses	December 31, 2019 One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for Loan Losses Balance, January 1, 2019 $ 3,122 $ 4,713 $ 19,803 $ 3,105 $ 1,568 $ 6,098 $ 38,409 Provision (benefit) charged to expense 1,625 603 4,651 22 (309) (442) 6,150 Losses charged off (534) (189) (144) (101) (371) (6,723) (8,062) Recoveries 126 26 24 50 467 3,104 3,797 Balance, December 31, 2019 $ 4,339 $ 5,153 $ 24,334 $ 3,076 $ 1,355 $ 2,037 $ 40,294 Ending balance: Individually evaluated for impairment $ 198 $ — $ 517 $ — $ 13 $ 201 $ 929 Collectively evaluated for impairment $ 3,973 $ 5,101 $ 23,570 $ 2,940 $ 1,306 $ 1,814 $ 38,704 Loans acquired and accounted for under ASC 310-30 $ 168 $ 52 $ 247 $ 136 $ 36 $ 22 $ 661 Loans Individually evaluated for impairment $ 2,960 $ — $ 4,020 $ — $ 1,286 $ 2,001 $ 10,267 Collectively evaluated for impairment $ 554,450 $ 866,006 $ 1,490,152 $ 1,363,292 $ 325,112 $ 315,561 $ 4,914,573 Loans acquired and accounted for under ASC 310-30 $ 74,562 $ 5,334 $ 29,158 $ 3,606 $ 3,356 $ 11,190 $ 127,206 December 31, 2018 One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for Loan Losses Balance, January 1, 2018 $ 2,108 $ 2,839 $ 18,639 $ 1,767 $ 3,581 $ 7,558 $ 36,492 Provision (benefit) charged to expense 742 1,982 1,094 1,031 (1,613) 3,914 7,150 Losses charged off (62) (525) (102) (87) (1,155) (9,425) (11,356) Recoveries 334 417 172 394 755 4,051 6,123 Balance, December 31, 2018 $ 3,122 $ 4,713 $ 19,803 $ 3,105 $ 1,568 $ 6,098 $ 38,409 Ending balance: Individually evaluated for impairment $ 694 $ — $ 613 $ — $ 309 $ 425 $ 2,041 Collectively evaluated for impairment $ 2,392 $ 4,681 $ 18,958 $ 3,029 $ 1,247 $ 5,640 $ 35,947 Loans acquired and accounted for under ASC 310-30 $ 36 $ 32 $ 232 $ 76 $ 12 $ 33 $ 421 Loans Individually evaluated for impairment $ 6,116 $ — $ 3,501 $ 14 $ 1,844 $ 2,464 $ 13,939 Collectively evaluated for impairment $ 433,209 $ 784,894 $ 1,367,934 $ 1,461,644 $ 334,214 $ 429,766 $ 4,811,661 Loans acquired and accounted for under ASC 310-30 $ 93,841 $ 12,790 $ 33,620 $ 4,093 $ 4,347 $ 18,960 $ 167,651 December 31, 2017 One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for Loan Losses Balance, January 1, 2017 $ 2,322 $ 5,486 $ 15,938 $ 2,284 $ 3,015 $ 8,355 $ 37,400 Provision (benefit) charged to expense (158) (2,356) 4,234 (643) 1,475 6,548 9,100 Losses charged off (165) (488) (1,656) (420) (1,489) (11,859) (16,077) Recoveries 109 197 123 546 580 4,514 6,069 Balance, December 31, 2017 $ 2,108 $ 2,839 $ 18,639 $ 1,767 $ 3,581 $ 7,558 $ 36,492 Ending balance: Individually evaluated for impairment $ 513 $ — $ 599 $ — $ 2,140 $ 699 $ 3,951 Collectively evaluated for impairment $ 1,564 $ 2,813 $ 17,843 $ 1,690 $ 1,369 $ 6,802 $ 32,081 Loans acquired and accounted for under ASC 310-30 $ 31 $ 26 $ 197 $ 77 $ 72 $ 57 $ 460 Loans Individually evaluated for impairment $ 6,950 $ 2,907 $ 8,315 $ 15 $ 3,018 $ 4,129 $ 25,334 Collectively evaluated for impairment $ 341,888 $ 742,738 $ 1,227,014 $ 1,112,308 $ 372,192 $ 531,820 $ 4,327,960 Loans acquired and accounted for under ASC 310-30 $ 120,295 $ 14,877 $ 39,210 $ 3,806 $ 5,275 $ 26,206 $ 209,669

Note 3_ Loans and Allowance f_6

Note 3: Loans and Allowance for Loan Losses: Impaired Financing Receivables (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Impaired Financing Receivables	Year Ended December 31, 2019 December 31, 2019 Average Unpaid Investment Interest Recorded Principal Specific in Impaired Income Balance Balance Allowance Loans Recognized (In Thousands) One- to four-family residential construction $ — $ — $ — $ — $ — Subdivision construction 251 251 96 277 9 Land development — — — 328 101 Commercial construction — — — — — Owner occupied one- to four-family residential 2,300 2,423 82 2,598 131 Non-owner occupied one- to four-family residential 409 574 20 954 43 Commercial real estate 4,020 4,049 517 4,940 264 Other residential — — — — — Commercial business 1,286 1,771 13 1,517 81 Industrial revenue bonds — — — — — Consumer auto 1,117 1,334 181 1,128 125 Consumer other 356 485 16 383 48 Home equity lines of credit 528 548 4 362 37 Total $ 10,267 $ 11,435 $ 929 $ 12,487 $ 839 Year Ended December 31, 2018 December 31, 2018 Average Unpaid Investment Interest Recorded Principal Specific in Impaired Income Balance Balance Allowance Loans Recognized (In Thousands) One- to four-family residential construction $ — $ — $ — $ — $ — Subdivision construction 318 318 105 321 17 Land development 14 18 — 14 1 Commercial construction — — — — — Owner occupied one- to four-family residential 3,576 3,926 285 3,406 197 Non-owner occupied one- to four-family residential 2,222 2,519 304 2,870 158 Commercial real estate 3,501 3,665 613 6,216 337 Other residential — — — 1,026 20 Commercial business 1,844 2,207 309 2,932 362 Industrial revenue bonds — — — — — Consumer auto 1,874 2,114 336 2,069 167 Consumer other 479 684 72 738 59 Home equity lines of credit 111 128 17 412 28 Total $ 13,939 $ 15,579 $ 2,041 $ 20,004 $ 1,346 Year Ended December 31, 2017 December 31, 2017 Average Unpaid Investment Interest Recorded Principal Specific in Impaired Income Balance Balance Allowance Loans Recognized (In Thousands) One- to four-family residential construction $ — $ — $ — $ 193 $ — Subdivision construction 349 367 114 584 22 Land development 15 18 — 1,793 24 Commercial construction — — — — — Owner occupied one- to four-family residential 3,405 3,723 331 3,405 166 Non-owner occupied one- to four-family residential 3,196 3,465 68 2,419 165 Commercial real estate 8,315 8,490 599 9,075 567 Other residential 2,907 2,907 — 3,553 147 Commercial business 3,018 4,222 2,140 5,384 173 Industrial revenue bonds — — — — — Consumer auto 2,713 2,898 484 2,383 222 Consumer other 825 917 124 906 69 Home equity lines of credit 591 648 91 498 33 Total $ 25,334 $ 27,655 $ 3,951 $ 30,193 $ 1,588

Note 3_ Loans and Allowance f_7

Note 3: Loans and Allowance for Loan Losses: Financing Receivable, Troubled Debt Restructuring (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Financing Receivable, Troubled Debt Restructuring	2019 Total Interest Only Term Combination Modification (In Thousands) Consumer $ — $ 136 $ — $ 136 $ — $ 136 $ — $ 136 2018 Total Interest Only Term Combination Modification (In Thousands) Mortgage loans on real estate: Residential one-to-four family $ 1,348 $ — $ — $ 1,348 Construction and land development — 31 — 31 Commercial — — 106 106 Consumer — 535 — 535 $ 1,348 $ 566 $ 106 $ 2,020 2017 Total Interest Only Term Combination Modification (In Thousands) Mortgage loans on real estate: Commercial $ — $ — $ 5,759 $ 5,759 Commercial business — 16 274 290 Consumer — 245 — 245 $ — $ 261 $ 6,033 $ 6,294

Note 3_ Loans and Allowance f_8

Note 3: Loans and Allowance for Loan Losses: Financing Receivable Credit Quality Indicators (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Financing Receivable Credit Quality Indicators	December 31, 2019 Special Satisfactory Watch Mention Substandard Doubtful Total (In Thousands) One- to four-family residential construction $ 33,963 $ — $ — $ — $ — $ 33,963 Subdivision construction 16,061 27 — — — 16,088 Land development 40,431 — — — — 40,431 Commercial construction 1,322,861 — — — — 1,322,861 Owner occupied one- to-four- family residential 385,001 26 — 1,989 — 387,016 Non-owner occupied one- to- four-family residential 119,743 419 — 181 — 120,343 Commercial real estate 1,458,400 32,063 — 3,709 — 1,494,172 Other residential 866,006 — — — — 866,006 Commercial business 307,322 4,651 — 1,236 — 313,209 Industrial revenue bonds 13,189 — — — — 13,189 Consumer auto 150,874 47 — 933 — 151,854 Consumer other 46,294 92 — 334 — 46,720 Home equity lines of credit 118,428 43 — 517 — 118,988 Loans acquired and accounted for under ASC 310-30, net of discounts 127,192 — — 14 — 127,206 Total $ 5,005,765 $ 37,368 $ — $ 8,913 $ — $ 5,052,046 December 31, 2018 Special Satisfactory Watch Mention Substandard Doubtful Total (In Thousands) One- to four-family residential construction $ 25,803 $ 374 $ — $ — $ — $ 26,177 Subdivision construction 12,077 1,718 — 49 — 13,844 Land development 39,892 4,600 — — — 44,492 Commercial construction 1,417,166 — — — — 1,417,166 Owner occupied one- to-four- family residential 274,661 43 — 2,162 — 276,866 Non-owner occupied one- to- four-family residential 119,951 941 — 1,546 — 122,438 Commercial real estate 1,357,987 11,061 — 2,387 — 1,371,435 Other residential 784,393 501 — — — 784,894 Commercial business 315,518 5,163 — 1,437 — 322,118 Industrial revenue bonds 13,940 — — — — 13,940 Consumer auto 251,824 116 — 1,588 — 253,528 Consumer other 56,859 157 — 334 — 57,350 Home equity lines of credit 121,134 118 — 100 — 121,352 Loans acquired and accounted for under ASC 310-30, net of discounts 167,632 — — 19 — 167,651 Total $ 4,958,837 $ 24,792 $ — $ 9,622 $ — $ 4,993,251

Note 3_ Loans and Allowance f_9

Note 3: Loans and Allowance for Loan Losses: Schedule of Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Related Party Transactions	2019 2018 (In Thousands) Balance, beginning of year $ 29,017 $ 40,041 New loans 15,062 17,141 Payments (28,839) (28,165) Balance, end of year $ 15,240 $ 29,017

Note 4_ Acquired Loans, Loss _5

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: FDIC Indemnification Asset Roll Forward (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
FDIC Indemnification Asset Roll Forward	Sun Security TeamBank Vantus Bank Bank InterBank Valley Bank (In Thousands) December 31, 2019 Gross loans receivable $ 7,304 $ 9,899 $ 17,906 $ 60,430 $ 41,032 Balance of accretable discount due to change in expected losses (159) (89) (374) (5,143) (1,803) Net carrying value of loans receivable (7,118) (9,797) (17,392) (54,442) (38,452) Expected loss remaining $ 27 $ 13 $ 140 $ 845 $ 777 December 31, 2018 Gross loans receivable $ 10,602 14,097 $ 21,171 $ 85,205 $ 53,470 Balance of accretable discount due to change in expected losses (399) (58) (342) (1,695) (169) Net carrying value of loans receivable (10,106) (13,809) (20,171) (74,436) (49,124) Expected loss remaining $ 97 $ 230 $ 658 $ 9,074 $ 4,177

Note 4_ Acquired Loans, Loss _6

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Acquisition Fair Value and Expected Cash Flows Policy: Schedule of Impact of Adjustments of Acquired Loans on Financial Results (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Impact of Adjustments of Acquired Loans on Financial Results	Year Ended December 31, 2019 2018 2017 (In Thousands) Increase in accretable yield due to increased cash flow expectations $ 12,323 $ 5,202 $ 1,333

Note 4_ Acquired Loans, Loss _7

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Acquisition Fair Value and Expected Cash Flows Policy: Schedule of Impact of Acquired Loans on Financial Results (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Impact of Acquired Loans on Financial Results	Year Ended December 31, 2019 2018 2017 (In Thousands) Interest income $ 7,431 $ 5,134 $ 5,014 Noninterest income — — (634) Net impact to pre-tax income $ 7,431 $ 5,134 $ 4,380

Note 4_ Acquired Loans, Loss _8

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Acquisition Fair Value and Expected Cash Flows Policy: Schedule of Accretable Yield Changes for Acquired Loans (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Accretable Yield Changes for Acquired Loans	Sun TeamBank Vantus Bank Security Bank InterBank Valley Bank (In Thousands) Balance, January 1, 2017 $ 2,477 $ 2,547 $ 4,277 $ 8,512 $ 4,797 Accretion (1,563) (1,373) (2,251) (7,505) (5,823) Reclassification from nonaccretable difference (1) 1,157 676 875 4,067 3,721 Balance, December 31, 2017 2,071 1,850 2,901 5,074 2,695 Accretion (1,042) (1,196) (1,667) (8,349) (3,892) Reclassification from nonaccretable difference (1) 327 778 1,008 8,269 4,260 Balance, December 31, 2018 1,356 1,432 2,242 4,994 3 ,063 Accretion (955) (1,006) (1,562) (8,798) (4,302) Reclassification from nonaccretable difference (1) 756 697 1,268 12,081 5,817 Balance, December 31, 2019 $ 1,157 $ 1,123 $ 1,948 $ 8,277 $ 4,578 (1) Represents increases in estimated cash flows expected to be received from the acquired loan pools, primarily due to lower estimated credit losses. The numbers also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the year ended December 31, 2019, totaling $667,000, $480,000, $810,000, $3.9 million and $2.5 million, respectively; for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the year ended December 31, 2018, totaling $312,000, $778,000, $756,000, $4.1 million and $3.5 million, respectively; and for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the year ended December 31, 2017, totaling $1.1 million, $663,000, $850,000, $3.5 million and $3.0 million, respectively

Note 5_ Other Real Estate Own_2

Note 5: Other Real Estate Owned: Schedule of Major Classifications of Foreclosed Assets (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Major Classifications of Foreclosed Assets	2019 2018 (In Thousands) Foreclosed assets held for sale and repossessions One- to four-family construction $ — $ — Subdivision construction 689 1,092 Land development 1,816 3,191 Commercial construction — — One- to four-family residential 601 269 Other residential — — Commercial real estate — — Commercial business — — Consumer 545 928 3,651 5,480 Acquired foreclosed assets no longer covered by FDIC loss sharing agreements, net of discounts — 167 Acquired foreclosed assets not covered by FDIC loss sharing agreements, net of discounts (Valley Bank) 1,003 1,234 Foreclosed assets held for sale and repossessions, net 4,654 6,881 Other real estate owned not acquired through foreclosure 871 1,559 Other real estate owned and repossessions $ 5,525 $ 8,440

Note 5_ Other Real Estate Own_3

Note 5: Other Real Estate Owned: Schedule of Expenses Applicable to Foreclosed Assets (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Expenses Applicable to Foreclosed Assets	2019 2018 2017 (In Thousands) Net gains on sales of other real estate owned and repossessions $ (750) $ (2,522) $ (2,212) Valuation write-downs 926 3,897 1,585 Operating expenses, net of rental income 2,008 3,544 4,556 $ 2,184 $ 4,919 $ 3,929

Note 6_ Premises and Equipmen_2

Note 6: Premises and Equipment: Property, Plant and Equipment (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Property, Plant and Equipment	2019 2018 (In Thousands) Land $ 40,632 $ 40,508 Buildings and improvements 96,959 95,039 Furniture, fixtures and equipment 56,986 54,327 Operating leases right of use asset 8,668 — 203,245 189,874 Less accumulated depreciation 61,337 57,450 $ 141,908 $ 132,424

Note 6_ Premises and Equipmen_3

Note 6: Premises and Equipment: Calculated Amount of Right of Use Assets and Lease Liabilities (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Calculated Amount of Right of Use Assets and Lease Liabilities	At or For the Year Ended December 31, 2019 (In Thousands) Statement of Financial Condition Operating leases right of use asset $ 8,668 Operating leases liability $ 8,747 Statement of Income Operating lease costs classified as occupancy and equipment expense $ 1,460 (includes short-term lease costs and amortization of right of use asset) Supplemental Cash Flow Information Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 1,381 Right of use assets obtained in exchange for lease obligations: Operating leases $ 9,538

Note 6_ Premises and Equipmen_4

Note 6: Premises and Equipment: Schedule of Future Minimum Rental Payments for Operating Leases (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Future Minimum Rental Payments for Operating Leases	2020 $ 1,132 2021 1,148 2022 1,131 2023 1,099 2024 999 Thereafter 5,186 Future lease payments expected 10,695 Less interest portion of lease payments (1,948) Lease liability $ 8,747

Note 8_ Deposits_ Deposit Liabi

Note 8: Deposits: Deposit Liabilities, Type (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Deposit Liabilities, Type	Weighted Average Interest Rate 2019 2018 (In Thousands, Except Interest Rates) Noninterest-bearing accounts — $ 687,068 $ 661,061 Interest-bearing checking and savings accounts 0.55% and 0.46% 1,551,929 1,472,535 2,238,997 2,133,596 Certificate accounts 0% - 0.99% 122,649 150,656 1% - 1.99% 523,816 511,873 2% - 2.99% 1,053,914 857,973 3% - 3.99% 19,849 69,793 4% - 4.99% 881 1,116 5% and above — — 1,721,109 1,591,411 $ 3,960,106 $ 3,725,007

Note 8_ Deposits_ Maturities of

Note 8: Deposits: Maturities of certificates of deposit (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Maturities of certificates of deposit	Retail Brokered Total (In Thousands) 2020 $ 1,079,690 $ 304,302 $ 1,383,992 2021 185,122 — 185,122 2022 53,841 13,751 67,592 2023 17,762 42,448 60,210 2024 12,164 11,200 23,364 Thereafter 829 — 829 $ 1,349,408 $ 371,701 $ 1,721,109

Note 8_ Deposits_ Schedule of I

Note 8: Deposits: Schedule of Interest Expense on Deposit Liabilities (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Interest Expense on Deposit Liabilities	2019 2018 2017 (In Thousands) Checking and savings accounts $ 7,971 $ 5,982 $ 4,699 Certificate accounts 37,723 22,149 16,009 Early withdrawal penalties (124) (174) (113) $ 45,570 $ 27,957 $ 20,595

Note 10_ Short-Term Borrowings_

Note 10: Short-Term Borrowings: Schedule of Short-term Debt (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Short-term Debt	2019 2018 (In Thousands) Notes payable – Community Development Equity Funds $ 1,267 $ 1,625 Other interest-bearing liabilities 30,890 13,100 Overnight borrowings from the Federal Home Loan Bank 196,000 178,000 Securities sold under reverse repurchase agreements 84,167 105,253 $ 312,324 $ 297,978

Note 10_ Short-Term Borrowing_2

Note 10: Short-Term Borrowings: Schedule of Repurchase Agreements (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Repurchase Agreements	2019 2018 Overnight and Overnight and Continuous Continuous (In Thousands) Mortgage-backed securities – GNMA, FNMA, FHLMC $ 84,167 $ 105,253

Note 12_ Subordinated Debentu_2

Note 12: Subordinated Debentures Issued to Capital Trusts: Schedule of Subordinated Debentures Issued to Capital Trusts (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Subordinated Debentures Issued to Capital Trusts	2019 2018 (In Thousands) Subordinated debentures $ 25,774 $ 25,774

Note 13_ Subordinated Notes_ Sc

Note 13: Subordinated Notes: Schedule of Subordinated Borrowing (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Subordinated Borrowing	2019 2018 (In Thousands) Subordinated notes $ 75,000 $ 75,000 Less: unamortized debt issuance costs 724 1,158 $ 74,276 $ 73,842

Note 14_ Income Taxes_ Schedule

Note 14: Income Taxes: Schedule of Components of Income Tax Expense (Benefit) (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Components of Income Tax Expense (Benefit)	2019 2018 2017 (In Thousands) Taxes currently payable $ 15,375 $ 19,291 $ 9,335 Deferred income taxes 1,074 (4,450) 11,528 Adjustment of deferred tax asset or liability for enacted changes in tax laws — — (2,105) Income taxes $ 16,449 $ 14,841 $ 18,758

Note 14_ Income Taxes_ Schedu_2

Note 14: Income Taxes: Schedule of Deferred Tax Assets and Liabilities (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Deferred Tax Assets and Liabilities	December 31, 2019 2018 (In Thousands) Deferred tax assets Allowance for loan losses $ 9,188 $ 8,758 Interest on nonperforming loans 161 320 Accrued expenses 821 726 Write-down of foreclosed assets 185 600 Write-down of fixed assets 50 191 Partnership tax credits 732 — Deferred income 509 — Difference in basis for acquired assets and liabilities 2,540 4,031 14,186 14,626 Deferred tax liabilities Tax depreciation in excess of book depreciation (5,986) (5,409) FHLB stock dividends (817) (798) Partnership tax credits — (404) Prepaid expenses (891) (569) Unrealized gain on available-for-sale securities (2,671) (83) Unrealized gain on cash flow derivatives (6,853) (2,761) Other (233) (113) (17,451) (10,137) Net deferred tax asset (liability) $ (3,265) $ 4,489

Note 14_ Income Taxes_ Schedu_3

Note 14: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Effective Income Tax Rate Reconciliation	2019 2018 2017 Tax at statutory rate 21.0 % 21.0 % 35.0 % Nontaxable interest and dividends (0.5) (0.8) (1.6) Tax credits (3.6) (3.4) (6.1) State taxes 1.3 1.1 1.1 Initial impact of enactment of 2017 Tax Act 0.0 0.0 (0.4) Other 0.1 0.2 (1.3) 18.3 % 18.1 % 26.7 %

Note 15_ Disclosures About Fa_3

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets Measured on Recurring Basis (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Fair Value, Assets Measured on Recurring Basis	Fair Value Measurements Using Quoted Prices in Active Markets Other Significant for Identical Observable Unobservable Assets Inputs Inputs Fair Value (Level 1) (Level 2) (Level 3) (In Thousands) December 31, 2019 Agency mortgage-backed securities $ 165,042 $ — $ 165,042 $ — Agency collateralized mortgage obligations 151,950 — 151,950 — States and political subdivisions 35,125 — 35,125 — Small Business Administration 22,058 — 22,058 — Interest rate derivative asset 31,476 — 31,476 — Interest rate derivative liability (1,547) — (1,547) — December 31, 2018 Agency mortgage-backed securities $ 153,258 $ — $ 153,258 $ — Agency collateralized mortgage obligations 39,260 — 39,260 — States and political subdivisions 51,450 — 51,450 — Interest rate derivative asset 12,800 — 12,800 — Interest rate derivative liability (716) — (716) —

Note 15_ Disclosures About Fa_4

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets and Liabilities Measured on Nonrecurring Basis (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Fair Value, Assets and Liabilities Measured on Nonrecurring Basis	Fair Value Measurements Using Quoted Prices in Active Markets Other Significant for Identical Observable Unobservable Assets Inputs Inputs Fair Value (Level 1) (Level 2) (Level 3) (In Thousands) December 31, 2019 Impaired loans $ 635 $ — $ — $ 635 Foreclosed assets held for sale $ 1,112 $ — $ — $ 1,112 December 31, 2018 Impaired loans $ 2,805 $ — $ — $ 2,805 Foreclosed assets held for sale $ 1,776 $ — $ — $ 1,776

Note 15_ Disclosures About Fa_5

Note 15: Disclosures About Fair Value of Financial Instruments: Schedule Of Financial Instruments Fair Value (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule Of Financial Instruments Fair Value	December 31, 2019 December 31, 2018 Carrying Fair Hierarchy Carrying Fair Hierarchy Amount Value Level Amount Value Level (Dollars in Thousands) Financial assets Cash and cash equivalents $ 220,155 $ 220,155 1 $ 202,742 $ 202,742 1 Mortgage loans held for sale 9,242 9,242 2 1,650 1,650 2 Loans, net of allowance for loan losses 4,153,982 4,129,984 3 3,989,001 3,955,786 3 Accrued interest receivable 13,530 13,530 3 13,448 13,448 3 Investment in FHLB stock 13,473 13,473 3 12,438 12,438 3 Financial liabilities Deposits 3,960,106 3,963,875 3 3,725,007 3,717,899 3 Short-term borrowings 312,324 312,324 3 297,978 297,978 3 Subordinated debentures 25,774 25,774 3 25,774 25,774 3 Subordinated notes 74,276 76,875 2 73,842 75,188 2 Accrued interest payable 4,250 4,250 3 3,570 3,570 3 Unrecognized financial instruments (net of contractual value) Commitments to originate loans — — 3 — — 3 Letters of credit 109 109 3 146 146 3 Lines of credit — — 3 — — 3

Note 16_ Derivatives and Hedg_2

Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments in Statement of Financial Position, Fair Value (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Derivative Instruments in Statement of Financial Position, Fair Value	Location in Fair Value Consolidated Statements December 31, December 31, of Financial Condition 2019 2018 (In Thousands) Derivatives designated as hedging instruments Interest rate swap Prepaid expenses and other assets $ 30,056 $ 12,106 Total derivatives designated as hedging instruments $ 30,056 $ 12,106 Derivatives not designated as hedging instruments Derivative Assets Derivatives not designated as hedging instruments Interest rate products Prepaid expenses and other assets $ 1,420 $ 694 Total derivatives not designated as hedging instruments $ 1,420 $ 694 Derivative Liabilities Derivatives not designated as hedging instruments Interest rate products Accrued expenses and other liabilities $ 1,547 $ 716 Total derivatives not designated as hedging instruments $ 1,547 $ 716

Note 16_ Derivatives and Hedg_3

Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss)	Year Ended December 31 Amount of Gain (Loss) Recognized in AOCI Cash Flow Hedges 2019 2018 2017 (In Thousands) Interest rate swap (2019 and 2018) and interest rate cap (2017), net of income taxes $ 13,857 $ 9,345 $ 161

Note 16_ Derivatives and Hedg_4

Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Statements of Operations (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Derivative Instruments, Effect on Statements of Operations	Year Ended December 31 Cash Flow Hedges 2019 2018 2017 Interest Interest Interest Interest Interest Interest Income Expense Income Expense Income Expense (In Thousands) Interest rate swap (2019 and 2018) and interest rate cap (2017), net of income taxes $ 3,082 $ — $ 673 $ — $ — $ 244

Note 18_ Additional Cash Flow_2

Note 18: Additional Cash Flow Information: Schedule of Cash Flow, Supplemental Disclosures (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Cash Flow, Supplemental Disclosures	2019 2018 2017 (In Thousands) Noncash Investing and Financing Activities Real estate acquired in settlement of loans $ 12,729 $ 12,044 $ 23,780 Sale and financing of foreclosed assets 1,340 2,578 603 Conversion of premises and equipment to foreclosed assets 1,135 — — Dividends declared but not paid 4,849 4,528 3,381 Additional Cash Payment Information Interest paid 53,922 37,091 27,724 Income taxes paid 5,719 2,569 17,563

Note 20_ Stock Compensation P_2

Note 20: Stock Compensation Plans: Schedule of Share-based Compensation, Stock Options, Activity (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Share-based Compensation, Stock Options, Activity	Weighted Available to Grant Shares Under Option Average Exercise Price Balance, January 1, 2017 219,475 661,203 $ 33.672 Granted from 2013 Plan (157,800) 157,800 52.118 Exercised — (119,692) 27.352 Forfeited from terminated plan(s) — (675) 24.690 Forfeited from current plan(s) 15,837 (15,837) 41.916 Balance, December 31, 2017 77,512 682,799 38.860 Granted from 2013 Plan (1,000) 1,000 52.500 Exercised — (81,940) 27.597 Forfeited from 2013 Plan 13,773 (13,773) 45.692 Termination of 2013 Plan (90,285) — — 588,086 Available to grant from 2018 Plan 800,000 — Granted from 2018 Plan (185,750) 185,750 55.297 Forfeited from current plan(s) 600 (600) 55.000 Balance, December 31, 2018 614,850 773,236 43.886 Granted from 2018 Plan (186,400) 186,400 60.086 Exercised — (125,894) 33.031 Forfeited from terminated plan(s) — (17,424) 44.163 Forfeited from current plan(s) 8,450 (8,450) 55.000 Balance, December 31, 2019 436,900 807,868 $ 49.139

Note 20_ Stock Compensation P_3

Note 20: Stock Compensation Plans: Schedule of Fair Value Option Pricing Model Assumptions (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Fair Value Option Pricing Model Assumptions	The fair value of each option award is estimated on the date of the grant using the Black-Scholes option pricing model with the following assumptions for the years ended December 31, 2019, 2018 and 2017: 2019 2018 2017 Expected dividends per share $1.36 $1.27 $0.95 Risk-free interest rate 1.59% 2.86% 2.03% Expected life of options 5 years 5 years 5 years Expected volatility 25.15% 17.61% 23.49% Weighted average fair value of options granted during year $11.20 $8.30 $10.04

Note 20_ Stock Compensation P_4

Note 20: Stock Compensation Plans: Schedule of Share-based Compensation, Activity (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Share-based Compensation, Activity	Weighted Weighted Average Average Remaining Exercise Contractual Options Price Term Options outstanding, January 1, 2019 773,236 $ 43.886 7.44 years Granted 186,400 60.086 Exercised (125,894) 33.031 Forfeited (25,874) 49.395 Options outstanding, December 31, 2019 807,868 49.139 7.54 years Options exercisable, December 31, 2019 255,491 37.310 5.10 years

Note 20_ Stock Compensation P_5

Note 20: Stock Compensation Plans: Schedule of Nonvested Share Activity (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Nonvested Share Activity	Weighted Weighted Average Average Exercise Grant Date Options Price Fair Value Nonvested options, January 1, 2019 506,494 $ 50.023 $ 8.431 Granted 186,400 60.086 11.195 Vested this period (115,393) 44.327 7.744 Nonvested options forfeited (25,124) 49.998 8.394 Nonvested options, December 31, 2019 552,377 54.610 9.509

Note 20_ Stock Compensation P_6

Note 20: Stock Compensation Plans: Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable	Options Outstanding Weighted Options Exercisable Average Weighted Weighted Remaining Average Average Range of Number Contractual Exercise Number Exercise Exercise Prices Outstanding Term Price Exercisable Price $16.810 to 29.640 79,493 3.01 years $ 25.408 79,493 $ 25.408 $32.590 to 38.610 66,231 4.89 years 33.043 62,606 32.794 $41.300 to 47.800 90,193 6.81 years 41.323 35,586 41.300 $50.710 to 52.500 208,851 7.18 years 51.656 77,806 51.280 $55.000 to 60.150 363,100 9.39 years 57.763 — — 807,868 7.54 years 49.139 255,491 37.310

Note 22_ Accumulated Other Co_2

Note 22: Accumulated Other Comprehensive Income: Schedule of Amounts in Accumulated Other Comprehensive Income (Loss) to be Recognized over Next Fiscal Year (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Amounts in Accumulated Other Comprehensive Income (Loss) to be Recognized over Next Fiscal Year	2019 2018 (In Thousands) Net unrealized gain on available-for-sale securities $ 11,715 $ 365 Net unrealized gain on derivatives used for cash flow hedges 30,056 12,106 41,771 12,471 Tax effect (9,525) (2,844) Net-of-tax amount $ 32,246 $ 9,627

Note 22_ Accumulated Other Co_3

Note 22: Accumulated Other Comprehensive Income: Schedule of Amounts Reclassified from Accumulated Other Comprehensive Income (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Amounts Reclassified from Accumulated Other Comprehensive Income	Amounts Reclassified from AOCI Affected Line Item in the 2019 2018 2017 Statements of Income (In Thousands) Unrealized gains (losses) on available- for-sale securities $ (62) $ 2 $ — Net realized gains on available-for-sale securities (total reclassified amount before tax) Income taxes 14 — — Tax (expense) benefit Total reclassifications out of AOCI $ 48 $ 2 $ —

Note 23_ Regulatory Matters_ Sc

Note 23: Regulatory Matters: Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations	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, 2019 Total capital Great Southern Bancorp, Inc. $ 698,085 15.0% $ 372,387 8.0% N/A N/A Great Southern Bank $ 650,280 14.0% $ 372,316 8.0% $ 465,395 10.0% Tier I capital Great Southern Bancorp, Inc. $ 582,791 12.5% $ 279,290 6.0% N/A N/A Great Southern Bank $ 609,986 13.1% $ 279,237 6.0% $ 372,316 8.0% Tier I leverage capital Great Southern Bancorp, Inc. $ 582,791 11.8% $ 198,320 4.0% N/A N/A Great Southern Bank $ 609,986 12.3% $ 198,010 4.0% $ 247,512 5.0% Common equity Tier I capital Great Southern Bancorp, Inc. $ 557,791 12.0% $ 209,468 4.5% N/A N/A Great Southern Bank $ 609,986 13.1% $ 209,428 4.5% $ 302,507 6.5% As of December 31, 2018 Total capital Great Southern Bancorp, Inc. $ 651,469 14.4% $ 360,826 8.0% N/A N/A Great Southern Bank $ 599,509 13.3% $ 360,767 8.0% $ 450,959 10.0% Tier I capital Great Southern Bancorp, Inc. $ 538,060 11.9% $ 270,619 6.0% N/A N/A Great Southern Bank $ 561,100 12.4% $ 270,575 6.0% $ 360,767 8.0% Tier I leverage capital Great Southern Bancorp, Inc. $ 538,060 11.7% $ 184,088 4.0% N/A N/A Great Southern Bank $ 561,100 12.2% $ 184,050 4.0% $ 230,062 5.0% Common equity Tier I capital Great Southern Bancorp, Inc. $ 513,060 11.4% $ 202,965 4.5% N/A N/A Great Southern Bank $ 561,100 12.4% $ 202,931 4.5% $ 293,123 6.5%

Note 25_ Summary of Unaudited_2

Note 25: Summary of Unaudited Quarterly Operating Results: Schedule of Quarterly Financial Information (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Schedule of Quarterly Financial Information	2019 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $ 57,358 $ 58,723 $ 60,187 $ 58,726 Interest expense 12,753 13,802 14,263 13,784 Provision for loan losses 1,950 1,600 1,950 650 Net realized gains (losses) on available-for-sale securities 10 — — (72) Noninterest income 7,450 7,157 8,655 7,695 Noninterest expense 28,495 28,383 28,725 29,535 Provision for income taxes 3,998 3,720 4,172 4,559 Net income available to common shareholders 17,612 18,375 19,732 17,893 Earnings per common share – diluted 1.23 1.28 1.38 1.24 2018 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $ 46,882 $ 49,943 $ 52,982 $ 56,142 Interest expense 7,444 8,731 9,997 11,585 Provision for loan losses 1,950 1,950 1,300 1,950 Net realized gains on available-for-sale securities — — 2 — Noninterest income 6,935 7,459 14,604 7,220 Noninterest expense 28,312 29,915 28,309 28,774 Provision for income taxes 2,645 2,967 5,464 3,765 Net income available to common shareholders 13,466 13,839 22,516 17,288 Earnings per common share – diluted 0.95 0.97 1.57 1.21 2017 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $ 45,413 $ 44,744 $ 46,368 $ 46,536 Interest expense 6,712 6,843 7,087 7,263 Provision for loan losses 2,250 1,950 2,950 1,950 Net realized gains (losses) on available-for-sale securities — — — — Noninterest income 7,698 15,800 7,655 7,374 Noninterest expense 28,573 28,371 28,034 29,283 Provision (credit) for income taxes 4,058 7,204 4,289 3,207 Net income available to common shareholders 11,518 16,176 11,663 12,207 Earnings per common share – diluted 0.81 1.14 0.82 0.86

Note 26_ Condensed Parent Com_2

Note 26: Condensed Parent Company Statements: Condensed Balance Sheet -- Great Southern Bancorp, Inc. (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Condensed Balance Sheet -- Great Southern Bancorp, Inc.	December 31, 2019 2018 (In Thousands) Statements of Financial Condition Assets Cash $ 58,726 $ 56,648 Investment in subsidiary bank 650,329 580,016 Deferred and accrued income taxes 111 411 Prepaid expenses and other assets 868 889 $ 710,034 $ 637,964 Liabilities and Stockholders’ Equity Accounts payable and accrued expenses $ 6,918 $ 6,371 Subordinated debentures issued to capital trust 25,774 25,774 Subordinated notes 74,276 73,842 Common stock 143 142 Additional paid-in capital 33,510 30,121 Retained earnings 537,167 492,087 Accumulated other comprehensive income 32,246 9,627 $ 710,034 $ 637,964

Note 26_ Condensed Parent Com_3

Note 26: Condensed Parent Company Statements: Condensed Income Statement -- Great Southern Bancorp, Inc. (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Condensed Income Statement -- Great Southern Bancorp, Inc.	2019 2018 2017 (In Thousands) Statements of Income Income Dividends from subsidiary bank $ 32,000 $ 34,000 $ 17,500 Interest and dividend income — — 48 Loss on other investments (23) — — 31,977 34,000 17,548 Expense Operating expenses 2,044 1,793 1,330 Interest expense 5,397 5,050 5,047 7,441 6,843 6,377 Income before income tax and equity in undistributed earnings of subsidiaries 24,536 27,157 11,171 Credit for income taxes (1,381) (1,204) (1,709) Income before equity in earnings of subsidiaries 25,917 28,361 12,880 Equity in undistributed earnings of subsidiaries 47,695 38,748 38,684 Net income $ 73,612 $ 67,109 $ 51,564

Note 26_ Condensed Parent Com_4

Note 26: Condensed Parent Company Statements: Condensed Cash Flow Statement -- Great Southern Bancorp, Inc. (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Condensed Cash Flow Statement -- Great Southern Bancorp, Inc.	2019 2018 2017 (In Thousands) Statements of Cash Flows Operating Activities Net income $ 73,612 $ 67,109 $ 51,564 Items not requiring (providing) cash Equity in undistributed earnings of subsidiary (47,695) (38,748) (38,684) Compensation expense for stock option grants 922 737 564 Amortization of interest rate derivative and deferred costs on subordinated notes 434 154 441 Loss on other investments 23 — — Changes in Prepaid expenses and other assets (3) 13 132 Accounts payable and accrued expenses 226 182 (115) Income taxes 300 (278) 6 Net cash provided by operating activities 27,819 29,169 13,908 Investing Activities (Investment)/Return of principal - other investments 2 — — Net cash provided by investing activities 2 — — Financing Activities Purchases of the Company’s common stock (849) (903) — Dividends paid (29,052) (15,819) (12,894) Stock options exercised 4,158 2,224 3,247 Net cash used in financing activities (25,743) (14,498) (9,647) Increase in Cash 2,078 14,671 4,261 Cash, Beginning of Year 56,648 41,977 37,716 Cash, End of Year $ 58,726 $ 56,648 $ 41,977 Additional Cash Payment Information Interest paid $ 5,424 $ 5,001 $ 5,059

Note 26_ Condensed Parent Com_5

Note 26: Condensed Parent Company Statements: Condensed Statement of Comprehensive Income -- Great Southern Bancorp, Inc. (Tables)	12 Months Ended
	Dec. 31, 2019
Tables/Schedules
Condensed Statement of Comprehensive Income -- Great Southern Bancorp, Inc.	2019 2018 2017 (In Thousands) Statements of Comprehensive Income Net Income $ 73,612 $ 67,109 $ 51,564 Change in fair value of cash flow hedge, net of taxes of $0, $0 and $93 for 2019, 2018 and 2017, respectively — — 161 Comprehensive income (loss) of subsidiaries 22,619 8,114 (478) Comprehensive Income $ 96,231 $ 75,223 $ 51,247

Note 1_ Nature of Operations_27

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Impairment or Disposal of Long-Lived Assets, Policy (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Details
Asset Impairment Charges	$ 0	$ 0	$ 0
Remaining valuation allowance related to various properties	$ 220

Note 1_ Nature of Operations_28

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Schedule of Intangible Assets and Goodwill (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Goodwill -- Branch acquisition	$ 5,396	$ 5,396
Finite-Lived Core Deposits, Gross	2,702	3,892
Intangible Assets, Net (Including Goodwill)	8,098	9,288
InterBank
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles	0	36
Boulevard Bank
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles	153	275
Valley Bank
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles	600	1,000
Fifth Third Bank
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles	$ 1,949	$ 2,581

Note 1_ Nature of Operations_29

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Earnings Per Share, Policy: Schedule of Earnings Per Share, Basic and Diluted (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Details
Net income and net income available to common shareholders	$ 73,612	$ 67,109	$ 51,564
Weighted Average Number of Shares Outstanding, Basic	14,201	14,132	14,032
Average common share stock options outstanding	129	128	148
Weighted Average Number of Shares Outstanding, Diluted	14,330	14,260	14,180
Basic	$ 5.18	$ 4.75	$ 3.67
Diluted	$ 5.14	$ 4.71	$ 3.64

Note 1_ Nature of Operations_30

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Earnings Per Share, Policy: Options to Purchase Shares of Common Stock (Details) - shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Details
Options to Purchase Shares of Common Stock Outstanding, Not Included in Computation of Diluted Earnings Per Share Because Exercise Price Greater than Average Market Price	201,400	424,833	253,711

Note 1_ Nature of Operations_31

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Stock Compensation Plans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Details
Share-based Payment Arrangement, Expense	$ 922	$ 737	$ 564

Note 1_ Nature of Operations_32

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Restrictions on Cash and Due From Banks (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Details
Federal Reserve Bank Reserve Fund	$ 69,400	$ 62,600

Note 1_ Nature of Operations_33

Note 1: Nature of Operations and Summary of Significant Accounting Policies: New Accounting Pronouncements, Policy (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2019
Accounting Standards Update 2016-02 | Lease liability and corresponding right-of-use asset for all leases
New Accounting Pronouncement or Change in Accounting Principle, Effect of Adoption, Quantification	$ 9,500
Accounting Standards Update 2016-13 | SEC Schedule, 12-09, Allowance, Credit Loss | Minimum
New Accounting Pronouncement or Change in Accounting Principle, Effect of Adoption, Quantification		$ 11,000
Accounting Standards Update 2016-13 | SEC Schedule, 12-09, Allowance, Credit Loss | Maximum
New Accounting Pronouncement or Change in Accounting Principle, Effect of Adoption, Quantification		14,000
Accounting Standards Update 2016-13 | Liability for potential losses related to unfunded portion of loans and commitments | Minimum
New Accounting Pronouncement or Change in Accounting Principle, Effect of Adoption, Quantification		7,000
Accounting Standards Update 2016-13 | Liability for potential losses related to unfunded portion of loans and commitments | Maximum
New Accounting Pronouncement or Change in Accounting Principle, Effect of Adoption, Quantification		10,000
Accounting Standards Update 2016-13 | After-tax effect on retained earnings | Minimum
New Accounting Pronouncement or Change in Accounting Principle, Effect of Adoption, Quantification		14,000
Accounting Standards Update 2016-13 | After-tax effect on retained earnings | Maximum
New Accounting Pronouncement or Change in Accounting Principle, Effect of Adoption, Quantification		$ 18,000

Note 2_ Investments in Securi_9

Note 2: Investments in Securities: Schedule of Available-for-sale Securities Reconciliation (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Available-for-sale Securities, Amortized Cost Basis	$ 362,460
Available for Sale Securities Fair Value	374,175
Available-for-sale Securities
Available-for-sale Securities, Amortized Cost Basis	362,460	$ 243,603
Available for Sale Securities Gross Unrealized Gain	12,975	2,950
Available for Sale Securities Gross Unrealized Losses	1,260	2,585
Available for Sale Securities Fair Value	374,175	243,968
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Available-for-sale Securities, Amortized Cost Basis	156,591	154,557
Available for Sale Securities Gross Unrealized Gain	8,716	1,272
Available for Sale Securities Gross Unrealized Losses	265	2,571
Available for Sale Securities Fair Value	165,042	153,258
Collateralized Mortgage Obligations
Available-for-sale Securities, Amortized Cost Basis	149,980	39,024
Available for Sale Securities Gross Unrealized Gain	2,891	250
Available for Sale Securities Gross Unrealized Losses	921	14
Available for Sale Securities Fair Value	151,950	39,260
US States and Political Subdivisions Debt Securities
Available-for-sale Securities, Amortized Cost Basis	33,757	50,022
Available for Sale Securities Gross Unrealized Gain	1,368	1,428
Available for Sale Securities Gross Unrealized Losses	0	0
Available for Sale Securities Fair Value	35,125	$ 51,450
Small Business Administration securities
Available-for-sale Securities, Amortized Cost Basis	22,132
Available for Sale Securities Gross Unrealized Gain	0
Available for Sale Securities Gross Unrealized Losses	74
Available for Sale Securities Fair Value	$ 22,058

Note 2_ Investments in Secur_10

Note 2: Investments in Securities: Mortgage-backed securities portfolio (Details) $ in Thousands	Dec. 31, 2019USD ($)
Fixed rates of interest
Agency collateralized mortgage obligations	$ 149,900
Mortgage-backed securities	144,300
Variable rates of interest
Agency collateralized mortgage obligations	2,100
Mortgage-backed securities	20,700
Federal National Mortgage Association Certificates and Obligations (FNMA)
Agency mortgage-backed securities	147,600
Agency collateralized mortgage obligations	23,900
Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC)
Agency mortgage-backed securities	13,300
Agency collateralized mortgage obligations	5,400
Government National Mortgage Association Certificates and Obligations (GNMA)
Agency mortgage-backed securities	4,100
Agency collateralized mortgage obligations	$ 122,700

Note 2_ Investments in Secur_11

Note 2: Investments in Securities: Investments Classified by Contractual Maturity Date (Details) $ in Thousands	Dec. 31, 2019USD ($)
Details
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after One Through Five Years, Amortized Cost	$ 0
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after One Through Five Years, Fair Value	0
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after Five Through Ten Years, Amortized Cost	9,253
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after Five Through Ten Years, Fair Value	9,547
Debt Securities, Available-for-sale, Allocated and Single Maturity Date, Maturity, after 10 Years, Amortized Cost	24,504
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after 10 Years, Fair Value	25,578
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Amortized Cost	328,703
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	339,050
Available-for-sale Securities, Amortized Cost Basis	362,460
Available for Sale Securities Fair Value	$ 374,175

Note 2_ Investments in Secur_12

Note 2: Investments in Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Details
Debt Securities, Held-to-maturity, Fair Value	$ 0	$ 0

Note 2_ Investments in Secur_13

Note 2: Investments in Securities: Schedule of Financial Instruments Owned and Pledged as Collateral (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Public Deposit
Securities Owned and Pledged As Collateral Amortized Cost	$ 8,578	$ 9,482
Security Owned and Pledged as Collateral, Fair Value	8,913	9,802
Collateralized Borrowing Accounts
Securities Owned and Pledged As Collateral Amortized Cost	122,771	148,050
Security Owned and Pledged as Collateral, Fair Value	129,643	146,337
Other Pledged Securities
Securities Owned and Pledged As Collateral Amortized Cost	7,021	763
Security Owned and Pledged as Collateral, Fair Value	7,107	761
Securities Pledged as Collateral
Securities Owned and Pledged As Collateral Amortized Cost	138,370	158,295
Security Owned and Pledged as Collateral, Fair Value	$ 145,663	$ 156,900

Note 2_ Investments in Secur_14

Note 2: Investments in Securities: Certain investments in debt securities reported at less than historical cost (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Details
Fair value investments reported less than historical cost	$ 116,200	$ 95,700
Fair value investments reported less than historical cost percentage of investment portfolio	31.10%	39.20%

Note 2_ Investments in Secur_15

Note 2: Investments in Securities: Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	$ 0	$ 11,255
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0	(82)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	24,762	74,186
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(265)	(2,489)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	24,762	85,441
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	(265)	(2,571)
Collateralized Mortgage Obligations
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	69,372	9,725
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(921)	(14)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	69,372	9,725
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	(921)	(14)
Small Business Administration securities
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	22,058
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(74)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	22,058
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	(74)
US States and Political Subdivisions Debt Securities
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	0	511
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	0	511
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	0	0
Unrealized Losses, Fair Value, Time in Continuous Unrealized Loss Position
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	91,430	21,491
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(995)	(96)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	24,762	74,186
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(265)	(2,489)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	116,192	95,677
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	$ (1,260)	$ (2,585)

Note 2_ Investments in Secur_16

Note 2: Investments in Securities: Other-than-temporary Impairment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Details
Other-than-temporary Impairment Loss, Debt Securities, Portion Recognized in Earnings	$ 0	$ 0	$ 0

Note 2_ Investments in Secur_17

Note 2: Investments in Securities: Other than Temporary Impairment of Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Details
Other than Temporary Impairment Losses, Investments, Available-for-sale Securities	$ 0	$ 0	$ 0

Note 3_ Loans and Allowance _10

Note 3: Loans and Allowance for Loan Losses: Schedule of Accounts, Notes, Loans and Financing Receivable (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Loans Receivable
Financing Receivable, before Allowance for Credit Loss, Current	$ 4,153,982	$ 3,989,001
SEC Schedule, 12-09, Allowance, Loss on Finance Receivable
Financing Receivable, before Allowance for Credit Loss, Current	(40,294)	(38,409)
Land and Land Improvements
Financing Receivable, before Allowance for Credit Loss, Current	40,431	44,492
One- to four-family residential construction
Financing Receivable, before Allowance for Credit Loss, Current	33,963	26,177
Subdivision construction
Financing Receivable, before Allowance for Credit Loss, Current	16,088	13,844
Commercial construction
Financing Receivable, before Allowance for Credit Loss, Current	1,322,861	1,417,166
Owner occupied one- to four-family residential
Financing Receivable, before Allowance for Credit Loss, Current	387,016	276,866
Non-owner occupied one- to four-family residential
Financing Receivable, before Allowance for Credit Loss, Current	120,343	122,438
Commercial Real Estate
Financing Receivable, before Allowance for Credit Loss, Current	1,494,172	1,371,435
Other residential
Financing Receivable, before Allowance for Credit Loss, Current	866,006	784,894
Commercial business
Financing Receivable, before Allowance for Credit Loss, Current	313,209	322,118
Industrial revenue bonds
Financing Receivable, before Allowance for Credit Loss, Current	13,189	13,940
Automobile Loan
Financing Receivable, before Allowance for Credit Loss, Current	151,854	253,528
Consumer Loan
Financing Receivable, before Allowance for Credit Loss, Current	46,720	57,350
Home Equity Line of Credit
Financing Receivable, before Allowance for Credit Loss, Current	118,988	121,352
Acquired loans, net of discount
Financing Receivable, before Allowance for Credit Loss, Current	127,206	167,651
Loans receivable, gross
Financing Receivable, before Allowance for Credit Loss, Current	5,052,046	4,993,251
Undisbursed portion of loans in process
Financing Receivable, before Allowance for Credit Loss, Current	(850,666)	(958,441)
Deferred loan fees and gains, net
Financing Receivable, before Allowance for Credit Loss, Current	$ (7,104)	$ (7,400)

Note 3_ Loans and Allowance _11

Note 3: Loans and Allowance for Loan Losses: Schedule of Loans Classified by Aging Analysis (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Loans Receivable
Financing Receivables, By Class	$ 4,924,840	$ 4,825,600
Loans Receivable | Land and Land Improvements
Financing Receivables, By Class	40,431	44,492
Loans Receivable | One- to four-family residential construction
Financing Receivables, By Class	33,963	26,177
Loans Receivable | Subdivision construction
Financing Receivables, By Class	16,088	13,844
Loans Receivable | Commercial construction
Financing Receivables, By Class	1,322,861	1,417,166
Loans Receivable | Owner occupied one- to four-family residential
Financing Receivables, By Class	387,016	276,866
Loans Receivable | Non-owner occupied one- to four-family residential
Financing Receivables, By Class	120,343	122,438
Loans Receivable | Commercial Real Estate
Financing Receivables, By Class	1,494,172	1,371,435
Loans Receivable | Other residential
Financing Receivables, By Class	866,006	784,894
Loans Receivable | Commercial business
Financing Receivables, By Class	313,209	322,118
Loans Receivable | Industrial revenue bonds
Financing Receivables, By Class	13,189	13,940
Loans Receivable | Automobile Loan
Financing Receivables, By Class	151,854	253,528
Loans Receivable | Consumer Loan
Financing Receivables, By Class	46,720	57,350
Loans Receivable | Home Equity Line of Credit
Financing Receivables, By Class	118,988	121,352
Loans Receivable | Acquired loans, net of discount
Financing Receivables, By Class	127,206	167,651
Loans Receivable | Loans receivable, gross
Financing Receivables, By Class	5,052,046	4,993,251
Loans Receivable | Less: Acquired loans, net of discount
Financing Receivables, By Class	127,206	167,651
Financial Asset, 30 to 59 Days Past Due | Land and Land Improvements
Financing Receivables, By Class	0	13
Financial Asset, 30 to 59 Days Past Due | One- to four-family residential construction
Financing Receivables, By Class	0	0
Financial Asset, 30 to 59 Days Past Due | Subdivision construction
Financing Receivables, By Class	0	0
Financial Asset, 30 to 59 Days Past Due | Commercial construction
Financing Receivables, By Class	15,085	0
Financial Asset, 30 to 59 Days Past Due | Owner occupied one- to four-family residential
Financing Receivables, By Class	1,453	1,431
Financial Asset, 30 to 59 Days Past Due | Non-owner occupied one- to four-family residential
Financing Receivables, By Class	152	1,142
Financial Asset, 30 to 59 Days Past Due | Commercial Real Estate
Financing Receivables, By Class	549	3,940
Financial Asset, 30 to 59 Days Past Due | Other residential
Financing Receivables, By Class	376	0
Financial Asset, 30 to 59 Days Past Due | Commercial business
Financing Receivables, By Class	60	72
Financial Asset, 30 to 59 Days Past Due | Industrial revenue bonds
Financing Receivables, By Class	0	3
Financial Asset, 30 to 59 Days Past Due | Automobile Loan
Financing Receivables, By Class	1,101	2,596
Financial Asset, 30 to 59 Days Past Due | Consumer Loan
Financing Receivables, By Class	278	691
Financial Asset, 30 to 59 Days Past Due | Home Equity Line of Credit
Financing Receivables, By Class	296	229
Financial Asset, 30 to 59 Days Past Due | Acquired loans, net of discount
Financing Receivables, By Class	2,177	2,195
Financial Asset, 30 to 59 Days Past Due | Loans receivable, gross
Financing Receivables, By Class	21,527	12,312
Financial Asset, 30 to 59 Days Past Due | Less: Acquired loans, net of discount
Financing Receivables, By Class	2,177	2,195
Financial Asset, 30 to 59 Days Past Due | Loans Receivable
Financing Receivables, By Class	19,350	10,117
Financial Asset, 60 to 89 Days Past Due | Land and Land Improvements
Financing Receivables, By Class	27	0
Financial Asset, 60 to 89 Days Past Due | One- to four-family residential construction
Financing Receivables, By Class	0	0
Financial Asset, 60 to 89 Days Past Due | Subdivision construction
Financing Receivables, By Class	0	0
Financial Asset, 60 to 89 Days Past Due | Commercial construction
Financing Receivables, By Class	0	0
Financial Asset, 60 to 89 Days Past Due | Owner occupied one- to four-family residential
Financing Receivables, By Class	1,631	806
Financial Asset, 60 to 89 Days Past Due | Non-owner occupied one- to four-family residential
Financing Receivables, By Class	0	144
Financial Asset, 60 to 89 Days Past Due | Commercial Real Estate
Financing Receivables, By Class	119	53
Financial Asset, 60 to 89 Days Past Due | Other residential
Financing Receivables, By Class	0	0
Financial Asset, 60 to 89 Days Past Due | Commercial business
Financing Receivables, By Class	0	54
Financial Asset, 60 to 89 Days Past Due | Industrial revenue bonds
Financing Receivables, By Class	0	0
Financial Asset, 60 to 89 Days Past Due | Automobile Loan
Financing Receivables, By Class	259	722
Financial Asset, 60 to 89 Days Past Due | Consumer Loan
Financing Receivables, By Class	233	181
Financial Asset, 60 to 89 Days Past Due | Home Equity Line of Credit
Financing Receivables, By Class	0	0
Financial Asset, 60 to 89 Days Past Due | Acquired loans, net of discount
Financing Receivables, By Class	709	1,416
Financial Asset, 60 to 89 Days Past Due | Loans receivable, gross
Financing Receivables, By Class	2,978	3,376
Financial Asset, 60 to 89 Days Past Due | Less: Acquired loans, net of discount
Financing Receivables, By Class	709	1,416
Financial Asset, 60 to 89 Days Past Due | Loans Receivable
Financing Receivables, By Class	2,269	1,960
Financing Receivables Over 90 Days Past Due | Land and Land Improvements
Financing Receivables, By Class	0	49
Financing Receivables Over 90 Days Past Due | One- to four-family residential construction
Financing Receivables, By Class	0	0
Financing Receivables Over 90 Days Past Due | Subdivision construction
Financing Receivables, By Class	0	0
Financing Receivables Over 90 Days Past Due | Commercial construction
Financing Receivables, By Class	0	0
Financing Receivables Over 90 Days Past Due | Owner occupied one- to four-family residential
Financing Receivables, By Class	1,198	1,206
Financing Receivables Over 90 Days Past Due | Non-owner occupied one- to four-family residential
Financing Receivables, By Class	181	1,458
Financing Receivables Over 90 Days Past Due | Commercial Real Estate
Financing Receivables, By Class	632	334
Financing Receivables Over 90 Days Past Due | Other residential
Financing Receivables, By Class	0	0
Financing Receivables Over 90 Days Past Due | Commercial business
Financing Receivables, By Class	1,235	1,437
Financing Receivables Over 90 Days Past Due | Industrial revenue bonds
Financing Receivables, By Class	0	0
Financing Receivables Over 90 Days Past Due | Automobile Loan
Financing Receivables, By Class	558	1,490
Financing Receivables Over 90 Days Past Due | Consumer Loan
Financing Receivables, By Class	198	240
Financing Receivables Over 90 Days Past Due | Home Equity Line of Credit
Financing Receivables, By Class	517	86
Financing Receivables Over 90 Days Past Due | Acquired loans, net of discount
Financing Receivables, By Class	6,191	6,827
Financing Receivables Over 90 Days Past Due | Loans receivable, gross
Financing Receivables, By Class	10,710	13,127
Financing Receivables Over 90 Days Past Due | Less: Acquired loans, net of discount
Financing Receivables, By Class	6,191	6,827
Financing Receivables Over 90 Days Past Due | Loans Receivable
Financing Receivables, By Class	4,519	6,300
Financing Receivables Past Due | Land and Land Improvements
Financing Receivables, By Class	27	62
Financing Receivables Past Due | One- to four-family residential construction
Financing Receivables, By Class	0	0
Financing Receivables Past Due | Subdivision construction
Financing Receivables, By Class	0	0
Financing Receivables Past Due | Commercial construction
Financing Receivables, By Class	15,085	0
Financing Receivables Past Due | Owner occupied one- to four-family residential
Financing Receivables, By Class	4,282	3,443
Financing Receivables Past Due | Non-owner occupied one- to four-family residential
Financing Receivables, By Class	333	2,744
Financing Receivables Past Due | Commercial Real Estate
Financing Receivables, By Class	1,300	4,327
Financing Receivables Past Due | Other residential
Financing Receivables, By Class	376	0
Financing Receivables Past Due | Commercial business
Financing Receivables, By Class	1,295	1,563
Financing Receivables Past Due | Industrial revenue bonds
Financing Receivables, By Class	0	3
Financing Receivables Past Due | Automobile Loan
Financing Receivables, By Class	1,918	4,808
Financing Receivables Past Due | Consumer Loan
Financing Receivables, By Class	709	1,112
Financing Receivables Past Due | Home Equity Line of Credit
Financing Receivables, By Class	813	315
Financing Receivables Past Due | Acquired loans, net of discount
Financing Receivables, By Class	9,077	10,438
Financing Receivables Past Due | Loans receivable, gross
Financing Receivables, By Class	35,215	28,815
Financing Receivables Past Due | Less: Acquired loans, net of discount
Financing Receivables, By Class	9,077	10,438
Financing Receivables Past Due | Loans Receivable
Financing Receivables, By Class	26,138	18,377
Financing Receivables Current | Land and Land Improvements
Financing Receivables, By Class	40,404	44,430
Financing Receivables Current | One- to four-family residential construction
Financing Receivables, By Class	33,963	26,177
Financing Receivables Current | Subdivision construction
Financing Receivables, By Class	16,088	13,844
Financing Receivables Current | Commercial construction
Financing Receivables, By Class	1,307,776	1,417,166
Financing Receivables Current | Owner occupied one- to four-family residential
Financing Receivables, By Class	382,734	273,423
Financing Receivables Current | Non-owner occupied one- to four-family residential
Financing Receivables, By Class	120,010	119,694
Financing Receivables Current | Commercial Real Estate
Financing Receivables, By Class	1,492,872	1,367,108
Financing Receivables Current | Other residential
Financing Receivables, By Class	865,630	784,894
Financing Receivables Current | Commercial business
Financing Receivables, By Class	311,914	320,555
Financing Receivables Current | Industrial revenue bonds
Financing Receivables, By Class	13,189	13,937
Financing Receivables Current | Automobile Loan
Financing Receivables, By Class	149,936	248,720
Financing Receivables Current | Consumer Loan
Financing Receivables, By Class	46,011	56,238
Financing Receivables Current | Home Equity Line of Credit
Financing Receivables, By Class	118,175	121,037
Financing Receivables Current | Acquired loans, net of discount
Financing Receivables, By Class	118,129	157,213
Financing Receivables Current | Loans receivable, gross
Financing Receivables, By Class	5,016,831	4,964,436
Financing Receivables Current | Less: Acquired loans, net of discount
Financing Receivables, By Class	118,129	157,213
Financing Receivables Current | Loans Receivable
Financing Receivables, By Class	4,898,702	4,807,223
Financial Asset, Equal to or Greater than 90 Days Past Due | Land and Land Improvements
Financing Receivables, By Class	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due | One- to four-family residential construction
Financing Receivables, By Class	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due | Subdivision construction
Financing Receivables, By Class	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due | Commercial construction
Financing Receivables, By Class	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due | Owner occupied one- to four-family residential
Financing Receivables, By Class	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due | Non-owner occupied one- to four-family residential
Financing Receivables, By Class	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due | Commercial Real Estate
Financing Receivables, By Class	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due | Other residential
Financing Receivables, By Class	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due | Commercial business
Financing Receivables, By Class	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due | Industrial revenue bonds
Financing Receivables, By Class	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due | Automobile Loan
Financing Receivables, By Class	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due | Consumer Loan
Financing Receivables, By Class	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due | Home Equity Line of Credit
Financing Receivables, By Class	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due | Acquired loans, net of discount
Financing Receivables, By Class	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due | Loans receivable, gross
Financing Receivables, By Class	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due | Less: Acquired loans, net of discount
Financing Receivables, By Class	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due | Loans Receivable
Financing Receivables, By Class	$ 0	$ 0

Note 3_ Loans and Allowance _12

Note 3: Loans and Allowance for Loan Losses: Financing Receivable, Nonaccrual (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Loans Receivable
Financing Receivable, Nonaccrual	$ 4,519	$ 6,300
Land and Land Improvements
Financing Receivable, Nonaccrual	0	0
One- to four-family residential construction
Financing Receivable, Nonaccrual	0	0
Subdivision construction
Financing Receivable, Nonaccrual	0	49
Commercial construction
Financing Receivable, Nonaccrual	0	0
Owner occupied one- to four-family residential
Financing Receivable, Nonaccrual	1,198	1,206
Non-owner occupied one- to four-family residential
Financing Receivable, Nonaccrual	181	1,458
Commercial Real Estate
Financing Receivable, Nonaccrual	632	334
Other residential
Financing Receivable, Nonaccrual	0	0
Commercial business
Financing Receivable, Nonaccrual	1,235	1,437
Industrial revenue bonds
Financing Receivable, Nonaccrual	0	0
Automobile Loan
Financing Receivable, Nonaccrual	558	1,490
Consumer Loan
Financing Receivable, Nonaccrual	198	240
Home Equity Line of Credit
Financing Receivable, Nonaccrual	$ 517	$ 86

Note 3_ Loans and Allowance _13

Note 3: Loans and Allowance for Loan Losses: Schedule of Loans and Leases Receivable Allowance for Loan Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Loans Receivable
Balance	$ 38,409	$ 36,492	$ 37,400
Provision (benefit) charged to expense	6,150	7,150	9,100
Losses charged off	(8,062)	(11,356)	(16,077)
Recoveries	3,797	6,123	6,069
Balance	40,294	38,409	36,492
Individually evaluated for impairment	929	2,041	3,951
Collectively evaluated for impairment	38,704	35,947	32,081
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	661	421	460
Individually evaluated for impairment	10,267	13,939	25,334
Collectively evaluated for impairment	4,914,573	4,811,661	4,327,960
Financing Receivables Acquired and Evaluated for Impairment	127,206	167,651	209,669
One- to four-family residential construction
Balance	3,122	2,108	2,322
Provision (benefit) charged to expense	1,625	742	(158)
Losses charged off	(534)	(62)	(165)
Recoveries	126	334	109
Balance	4,339	3,122	2,108
Individually evaluated for impairment	198	694	513
Collectively evaluated for impairment	3,973	2,392	1,564
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	168	36	31
Individually evaluated for impairment	2,960	6,116	6,950
Collectively evaluated for impairment	554,450	433,209	341,888
Financing Receivables Acquired and Evaluated for Impairment	74,562	93,841	120,295
Other residential
Balance	4,713	2,839	5,486
Provision (benefit) charged to expense	603	1,982	(2,356)
Losses charged off	(189)	(525)	(488)
Recoveries	26	417	197
Balance	5,153	4,713	2,839
Individually evaluated for impairment	0	0	0
Collectively evaluated for impairment	5,101	4,681	2,813
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	52	32	26
Individually evaluated for impairment	0	0	2,907
Collectively evaluated for impairment	866,006	784,894	742,738
Financing Receivables Acquired and Evaluated for Impairment	5,334	12,790	14,877
Commercial Real Estate
Balance	19,803	18,639	15,938
Provision (benefit) charged to expense	4,651	1,094	4,234
Losses charged off	(144)	(102)	(1,656)
Recoveries	24	172	123
Balance	24,334	19,803	18,639
Individually evaluated for impairment	517	613	599
Collectively evaluated for impairment	23,570	18,958	17,843
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	247	232	197
Individually evaluated for impairment	4,020	3,501	8,315
Collectively evaluated for impairment	1,490,152	1,367,934	1,227,014
Financing Receivables Acquired and Evaluated for Impairment	29,158	33,620	39,210
Commercial construction
Balance	3,105	1,767	2,284
Provision (benefit) charged to expense	22	1,031	(643)
Losses charged off	(101)	(87)	(420)
Recoveries	50	394	546
Balance	3,076	3,105	1,767
Individually evaluated for impairment	0	0	0
Collectively evaluated for impairment	2,940	3,029	1,690
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	136	76	77
Individually evaluated for impairment	0	14	15
Collectively evaluated for impairment	1,363,292	1,461,644	1,112,308
Financing Receivables Acquired and Evaluated for Impairment	3,606	4,093	3,806
Commercial business
Balance	1,568	3,581	3,015
Provision (benefit) charged to expense	(309)	(1,613)	1,475
Losses charged off	(371)	(1,155)	(1,489)
Recoveries	467	755	580
Balance	1,355	1,568	3,581
Individually evaluated for impairment	13	309	2,140
Collectively evaluated for impairment	1,306	1,247	1,369
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	36	12	72
Individually evaluated for impairment	1,286	1,844	3,018
Collectively evaluated for impairment	325,112	334,214	372,192
Financing Receivables Acquired and Evaluated for Impairment	3,356	4,347	5,275
Consumer Loan
Balance	6,098	7,558	8,355
Provision (benefit) charged to expense	(442)	3,914	6,548
Losses charged off	(6,723)	(9,425)	(11,859)
Recoveries	3,104	4,051	4,514
Balance	2,037	6,098	7,558
Individually evaluated for impairment	201	425	699
Collectively evaluated for impairment	1,814	5,640	6,802
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	22	33	57
Individually evaluated for impairment	2,001	2,464	4,129
Collectively evaluated for impairment	315,561	429,766	531,820
Financing Receivables Acquired and Evaluated for Impairment	$ 11,190	$ 18,960	$ 26,206

Note 3_ Loans and Allowance _14

Note 3: Loans and Allowance for Loan Losses: Weighted Average Interest Rate on Loans Receivable (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Loans Receivable, Weighted Average Interest Rate	4.97%	5.16%
Commercial loan participations sold to other financial institutions	$ 283,000	$ 181,500
Residential mortgage loans sold	66,900	78,700
Unpaid principal balances
Loans serviced for others	349,900	260,200
Unused lines of Credit
Loans serviced for others	$ 102,100	$ 121,000

Note 3_ Loans and Allowance _15

Note 3: Loans and Allowance for Loan Losses: Impaired Financing Receivables (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Loans Receivable
Impaired Financing Receivable, Recorded Investment	$ 10,267	$ 13,939	$ 25,334
Impaired Financing Receivable, Unpaid Principal Balance	11,435	15,579	27,655
Impaired Financing Receivable, Related Allowance	929	2,041	3,951
Impaired Financing Receivable, Average Recorded Investment	12,487	20,004	30,193
Impaired Financing Receivable Interest Income Recognized	839	1,346	1,588
Land and Land Improvements
Impaired Financing Receivable, Recorded Investment	0	14	15
Impaired Financing Receivable, Unpaid Principal Balance	0	18	18
Impaired Financing Receivable, Related Allowance	0	0	0
Impaired Financing Receivable, Average Recorded Investment	328	14	1,793
Impaired Financing Receivable Interest Income Recognized	101	1	24
One- to four-family residential construction
Impaired Financing Receivable, Recorded Investment	0	0	0
Impaired Financing Receivable, Unpaid Principal Balance	0	0	0
Impaired Financing Receivable, Related Allowance	0	0	0
Impaired Financing Receivable, Average Recorded Investment	0	0	193
Impaired Financing Receivable Interest Income Recognized	0	0	0
Subdivision construction
Impaired Financing Receivable, Recorded Investment	251	318	349
Impaired Financing Receivable, Unpaid Principal Balance	251	318	367
Impaired Financing Receivable, Related Allowance	96	105	114
Impaired Financing Receivable, Average Recorded Investment	277	321	584
Impaired Financing Receivable Interest Income Recognized	9	17	22
Commercial construction
Impaired Financing Receivable, Recorded Investment	0	0	0
Impaired Financing Receivable, Unpaid Principal Balance	0	0	0
Impaired Financing Receivable, Related Allowance	0	0	0
Impaired Financing Receivable, Average Recorded Investment	0	0	0
Impaired Financing Receivable Interest Income Recognized	0	0	0
Owner occupied one- to four-family residential
Impaired Financing Receivable, Recorded Investment	2,300	3,576	3,405
Impaired Financing Receivable, Unpaid Principal Balance	2,423	3,926	3,723
Impaired Financing Receivable, Related Allowance	82	285	331
Impaired Financing Receivable, Average Recorded Investment	2,598	3,406	3,405
Impaired Financing Receivable Interest Income Recognized	131	197	166
Non-owner occupied one- to four-family residential
Impaired Financing Receivable, Recorded Investment	409	2,222	3,196
Impaired Financing Receivable, Unpaid Principal Balance	574	2,519	3,465
Impaired Financing Receivable, Related Allowance	20	304	68
Impaired Financing Receivable, Average Recorded Investment	954	2,870	2,419
Impaired Financing Receivable Interest Income Recognized	43	158	165
Commercial Real Estate
Impaired Financing Receivable, Recorded Investment	4,020	3,501	8,315
Impaired Financing Receivable, Unpaid Principal Balance	4,049	3,665	8,490
Impaired Financing Receivable, Related Allowance	517	613	599
Impaired Financing Receivable, Average Recorded Investment	4,940	6,216	9,075
Impaired Financing Receivable Interest Income Recognized	264	337	567
Other residential
Impaired Financing Receivable, Recorded Investment	0	0	2,907
Impaired Financing Receivable, Unpaid Principal Balance	0	0	2,907
Impaired Financing Receivable, Related Allowance	0	0	0
Impaired Financing Receivable, Average Recorded Investment	0	1,026	3,553
Impaired Financing Receivable Interest Income Recognized	0	20	147
Commercial business
Impaired Financing Receivable, Recorded Investment	1,286	1,844	3,018
Impaired Financing Receivable, Unpaid Principal Balance	1,771	2,207	4,222
Impaired Financing Receivable, Related Allowance	13	309	2,140
Impaired Financing Receivable, Average Recorded Investment	1,517	2,932	5,384
Impaired Financing Receivable Interest Income Recognized	81	362	173
Industrial revenue bonds
Impaired Financing Receivable, Recorded Investment	0	0	0
Impaired Financing Receivable, Unpaid Principal Balance	0	0	0
Impaired Financing Receivable, Related Allowance	0	0	0
Impaired Financing Receivable, Average Recorded Investment	0	0	0
Impaired Financing Receivable Interest Income Recognized	0	0	0
Automobile Loan
Impaired Financing Receivable, Recorded Investment	1,117	1,874	2,713
Impaired Financing Receivable, Unpaid Principal Balance	1,334	2,114	2,898
Impaired Financing Receivable, Related Allowance	181	336	484
Impaired Financing Receivable, Average Recorded Investment	1,128	2,069	2,383
Impaired Financing Receivable Interest Income Recognized	125	167	222
Consumer Loan
Impaired Financing Receivable, Recorded Investment	356	479	825
Impaired Financing Receivable, Unpaid Principal Balance	485	684	917
Impaired Financing Receivable, Related Allowance	16	72	124
Impaired Financing Receivable, Average Recorded Investment	383	738	906
Impaired Financing Receivable Interest Income Recognized	48	59	69
Home Equity Line of Credit
Impaired Financing Receivable, Recorded Investment	528	111	591
Impaired Financing Receivable, Unpaid Principal Balance	548	128	648
Impaired Financing Receivable, Related Allowance	4	17	91
Impaired Financing Receivable, Average Recorded Investment	362	412	498
Impaired Financing Receivable Interest Income Recognized	$ 37	$ 28	$ 33

Note 3_ Loans and Allowance _16

Note 3: Loans and Allowance for Loan Losses: Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Details
Impaired Loans With Specific Valuation Allowance	$ 5,200	$ 8,400	$ 12,700
Impaired Loans Valuation Allowance	929	2,000	4,000
Loans and Leases Receivable, Impaired, Interest Lost on Nonaccrual Loans	$ 761	$ 1,000	$ 1,200

Note 3_ Loans and Allowance _17

Note 3: Loans and Allowance for Loan Losses: Financing Receivable, Troubled Debt Restructuring (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Contractual Interest Rate Reduction | Land and Land Improvements
Loan Restructuring, Trial Modifications, Amount		$ 0
Contractual Interest Rate Reduction | Consumer Loan
Loan Restructuring, Trial Modifications, Amount	$ 0	0	$ 0
Contractual Interest Rate Reduction | Modifications
Loan Restructuring, Trial Modifications, Amount	0	1,348	0
Contractual Interest Rate Reduction | Residential one-to-four family
Loan Restructuring, Trial Modifications, Amount		1,348
Contractual Interest Rate Reduction | Commercial Real Estate
Loan Restructuring, Trial Modifications, Amount		0	0
Contractual Interest Rate Reduction | Commercial business
Loan Restructuring, Trial Modifications, Amount			0
Extended Maturity | Land and Land Improvements
Loan Restructuring, Trial Modifications, Amount		31
Extended Maturity | Consumer Loan
Loan Restructuring, Trial Modifications, Amount	136	535	245
Extended Maturity | Modifications
Loan Restructuring, Trial Modifications, Amount	136	566	261
Extended Maturity | Residential one-to-four family
Loan Restructuring, Trial Modifications, Amount		0
Extended Maturity | Commercial Real Estate
Loan Restructuring, Trial Modifications, Amount		0	0
Extended Maturity | Commercial business
Loan Restructuring, Trial Modifications, Amount			16
Combination of Interest and Term | Land and Land Improvements
Loan Restructuring, Trial Modifications, Amount		0
Combination of Interest and Term | Consumer Loan
Loan Restructuring, Trial Modifications, Amount	0	0	0
Combination of Interest and Term | Modifications
Loan Restructuring, Trial Modifications, Amount	0	106	6,033
Combination of Interest and Term | Residential one-to-four family
Loan Restructuring, Trial Modifications, Amount		0
Combination of Interest and Term | Commercial Real Estate
Loan Restructuring, Trial Modifications, Amount		106	5,759
Combination of Interest and Term | Commercial business
Loan Restructuring, Trial Modifications, Amount			274
Loan Restructuring Modification | Land and Land Improvements
Loan Restructuring, Trial Modifications, Amount		31
Loan Restructuring Modification | Consumer Loan
Loan Restructuring, Trial Modifications, Amount	136	535	245
Loan Restructuring Modification | Modifications
Loan Restructuring, Trial Modifications, Amount	$ 136	2,020	6,294
Loan Restructuring Modification | Residential one-to-four family
Loan Restructuring, Trial Modifications, Amount		1,348
Loan Restructuring Modification | Commercial Real Estate
Loan Restructuring, Trial Modifications, Amount		$ 106	5,759
Loan Restructuring Modification | Commercial business
Loan Restructuring, Trial Modifications, Amount			$ 290

Note 3_ Loans and Allowance _18

Note 3: Loans and Allowance for Loan Losses: Loans Modified in Troubled Debt Restructurings by Segment (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Troubled Debt Restructurings Total Modifications	$ 1,900	$ 6,900
Total Troubled Debt Restructurings Accruing Interest	$ 1,400	4,700
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	0
Substandard
Troubled Debt Restructurings	$ 562	2,500
Construction and land development
Troubled Debt Restructured Loans and Impaired	251	283
Single family residential
Troubled Debt Restructured Loans and Impaired	768	3,900
Commercial Real Estate
Troubled Debt Restructured Loans and Impaired	412	1,300
Commercial business
Troubled Debt Restructured Loans and Impaired	156	548
Consumer Loan
Troubled Debt Restructured Loans and Impaired	343	$ 803
Troubled Debt Restructurings Returned to Accrual Status	$ 63

Note 3_ Loans and Allowance _19

Note 3: Loans and Allowance for Loan Losses: Financing Receivable Credit Quality Indicators (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Satisfactory | Loans Receivable
Loan Portfolio Internal Grading System Classification	$ 5,005,765	$ 4,958,837
Satisfactory | Land and Land Improvements
Loan Portfolio Internal Grading System Classification	40,431	39,892
Satisfactory | One- to four-family residential construction
Loan Portfolio Internal Grading System Classification	33,963	25,803
Satisfactory | Subdivision construction
Loan Portfolio Internal Grading System Classification	16,061	12,077
Satisfactory | Commercial construction
Loan Portfolio Internal Grading System Classification	1,322,861	1,417,166
Satisfactory | Owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	385,001	274,661
Satisfactory | Non-owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	119,743	119,951
Satisfactory | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	1,458,400	1,357,987
Satisfactory | Other residential
Loan Portfolio Internal Grading System Classification	866,006	784,393
Satisfactory | Commercial business
Loan Portfolio Internal Grading System Classification	307,322	315,518
Satisfactory | Industrial revenue bonds
Loan Portfolio Internal Grading System Classification	13,189	13,940
Satisfactory | Automobile Loan
Loan Portfolio Internal Grading System Classification	150,874	251,824
Satisfactory | Consumer Loan
Loan Portfolio Internal Grading System Classification	46,294	56,859
Satisfactory | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	118,428	121,134
Satisfactory | Acquired loans, net of discount
Loan Portfolio Internal Grading System Classification	127,192	167,632
Watch | Loans Receivable
Loan Portfolio Internal Grading System Classification	37,368	24,792
Watch | Land and Land Improvements
Loan Portfolio Internal Grading System Classification	0	4,600
Watch | One- to four-family residential construction
Loan Portfolio Internal Grading System Classification	0	374
Watch | Subdivision construction
Loan Portfolio Internal Grading System Classification	27	1,718
Watch | Commercial construction
Loan Portfolio Internal Grading System Classification	0	0
Watch | Owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	26	43
Watch | Non-owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	419	941
Watch | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	32,063	11,061
Watch | Other residential
Loan Portfolio Internal Grading System Classification	0	501
Watch | Commercial business
Loan Portfolio Internal Grading System Classification	4,651	5,163
Watch | Industrial revenue bonds
Loan Portfolio Internal Grading System Classification	0	0
Watch | Automobile Loan
Loan Portfolio Internal Grading System Classification	47	116
Watch | Consumer Loan
Loan Portfolio Internal Grading System Classification	92	157
Watch | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	43	118
Watch | Acquired loans, net of discount
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Loans Receivable
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Land and Land Improvements
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | One- to four-family residential construction
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Subdivision construction
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Commercial construction
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Non-owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Other residential
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Commercial business
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Industrial revenue bonds
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Automobile Loan
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Consumer Loan
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Acquired loans, net of discount
Loan Portfolio Internal Grading System Classification	0	0
Substandard | Loans Receivable
Loan Portfolio Internal Grading System Classification	8,913	9,622
Substandard | Land and Land Improvements
Loan Portfolio Internal Grading System Classification	0	0
Substandard | One- to four-family residential construction
Loan Portfolio Internal Grading System Classification	0	0
Substandard | Subdivision construction
Loan Portfolio Internal Grading System Classification	0	49
Substandard | Commercial construction
Loan Portfolio Internal Grading System Classification	0	0
Substandard | Owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	1,989	2,162
Substandard | Non-owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	181	1,546
Substandard | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	3,709	2,387
Substandard | Other residential
Loan Portfolio Internal Grading System Classification	0	0
Substandard | Commercial business
Loan Portfolio Internal Grading System Classification	1,236	1,437
Substandard | Industrial revenue bonds
Loan Portfolio Internal Grading System Classification	0	0
Substandard | Automobile Loan
Loan Portfolio Internal Grading System Classification	933	1,588
Substandard | Consumer Loan
Loan Portfolio Internal Grading System Classification	334	334
Substandard | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	517	100
Substandard | Acquired loans, net of discount
Loan Portfolio Internal Grading System Classification	14	19
Doubtful | Loans Receivable
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Land and Land Improvements
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | One- to four-family residential construction
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Subdivision construction
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Commercial construction
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Non-owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Other residential
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Commercial business
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Industrial revenue bonds
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Automobile Loan
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Consumer Loan
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Acquired loans, net of discount
Loan Portfolio Internal Grading System Classification	0	0
Loan grading system, total | Loans Receivable
Loan Portfolio Internal Grading System Classification	5,052,046	4,993,251
Loan grading system, total | Land and Land Improvements
Loan Portfolio Internal Grading System Classification	40,431	44,492
Loan grading system, total | One- to four-family residential construction
Loan Portfolio Internal Grading System Classification	33,963	26,177
Loan grading system, total | Subdivision construction
Loan Portfolio Internal Grading System Classification	16,088	13,844
Loan grading system, total | Commercial construction
Loan Portfolio Internal Grading System Classification	1,322,861	1,417,166
Loan grading system, total | Owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	387,016	276,866
Loan grading system, total | Non-owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	120,343	122,438
Loan grading system, total | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	1,494,172	1,371,435
Loan grading system, total | Other residential
Loan Portfolio Internal Grading System Classification	866,006	784,894
Loan grading system, total | Commercial business
Loan Portfolio Internal Grading System Classification	313,209	322,118
Loan grading system, total | Industrial revenue bonds
Loan Portfolio Internal Grading System Classification	13,189	13,940
Loan grading system, total | Automobile Loan
Loan Portfolio Internal Grading System Classification	151,854	253,528
Loan grading system, total | Consumer Loan
Loan Portfolio Internal Grading System Classification	46,720	57,350
Loan grading system, total | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	118,988	121,352
Loan grading system, total | Acquired loans, net of discount
Loan Portfolio Internal Grading System Classification	$ 127,206	$ 167,651

Note 3_ Loans and Allowance _20

Note 3: Loans and Allowance for Loan Losses: Schedule of Related Party Transactions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
New loans for related parties during the period	$ 15,062	$ 17,141
Payments	(28,839)	(28,165)
Balance, Beginning of Period
Related Party Transaction, Amounts of Transaction	29,017	40,041
Balance, End of Period
Related Party Transaction, Amounts of Transaction	$ 15,240	$ 29,017

Note 4_ Acquired Loans, Loss _9

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Combinations Policy: Business Acquisition, InterBank Assets Acquired and Liabilities Assumed (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
InterBank
Premium Recorded in Conjunction with Fair Value of Acquired Loans and Amount Amortized to Yield	$ 99	$ 175	$ 269

Note 4_ Acquired Loans, Loss_10

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Combinations Policy (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Valley Bank
Premium Recorded in Conjunction with Fair Value of Acquired Loans and Amount Amortized to Yield	$ 0	$ 11	$ 217

Note 4_ Acquired Loans, Loss_11

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Loss Sharing Agreements (Details) - USD ($) $ in Thousands	Jun. 09, 2017	Apr. 26, 2016
TeamBank
Cash Received from FDIC Loss Sharing Reimbursements		$ 4,400
InterBank
Cash Received from FDIC Loss Sharing Reimbursements	$ 15,000
Gain Realized on Termination of Loss Sharing Agreements	$ 7,700

Note 4_ Acquired Loans, Loss_12

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: FDIC Indemnification Asset Roll Forward (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
TeamBank
Gross loans receivable	$ 7,304	$ 10,602
Business combination balance of accretable discount due to change in expected losses	(159)	(399)
Business combination net carrying value to loans receivable	(7,118)	(10,106)
Business combination expected loss remaining	27	97
Vantus Bank
Gross loans receivable	9,899	14,097
Business combination balance of accretable discount due to change in expected losses	(89)	(58)
Business combination net carrying value to loans receivable	(9,797)	(13,809)
Business combination expected loss remaining	13	230
Sun Security Bank
Gross loans receivable	17,906	21,171
Business combination balance of accretable discount due to change in expected losses	(374)	(342)
Business combination net carrying value to loans receivable	(17,392)	(20,171)
Business combination expected loss remaining	140	658
InterBank
Gross loans receivable	60,430	85,205
Business combination balance of accretable discount due to change in expected losses	(5,143)	(1,695)
Business combination net carrying value to loans receivable	(54,442)	(74,436)
Business combination expected loss remaining	845	9,074
Valley Bank
Gross loans receivable	41,032	53,470
Business combination balance of accretable discount due to change in expected losses	(1,803)	(169)
Business combination net carrying value to loans receivable	(38,452)	(49,124)
Business combination expected loss remaining	$ 777	$ 4,177

Note 4_ Acquired Loans, Loss_13

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Acquisition Fair Value and Expected Cash Flows Policy: Schedule of Impact of Adjustments of Acquired Loans on Financial Results (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Details
Increase in accretable yield due to increased cash flow expectations	$ 12,323	$ 5,202	$ 1,333

Note 4_ Acquired Loans, Loss_14

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Acquisition Fair Value and Expected Cash Flows Policy: Schedule of Impact of Acquired Loans on Financial Results (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Details
Impact of Acquired Loan Pools on Interest Income	$ 7,431	$ 5,134	$ 5,014
Impact of acquired loan pools on non-interest income	0	0	(634)
Net impact of acquired loan pools to pre-tax income	$ 7,431	$ 5,134	$ 4,380

Note 4_ Acquired Loans, Loss_15

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Acquisition Fair Value and Expected Cash Flows Policy: Schedule of Accretable Yield Changes for Acquired Loans (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
TeamBank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion		$ (955)	$ (1,042)	$ (1,563)
Certain Loans Acquired in Transfer Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference	[1]	756	327	1,157
TeamBank | Balance, Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)				2,477
TeamBank | Balance, End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)		1,157	1,356	2,071
Vantus Bank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion		(1,006)	(1,196)	(1,373)
Certain Loans Acquired in Transfer Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference	[1]	697	778	676
Vantus Bank | Balance, Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)				2,547
Vantus Bank | Balance, End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)		1,123	1,432	1,850
Sun Security Bank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion		(1,562)	(1,667)	(2,251)
Certain Loans Acquired in Transfer Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference	[1]	1,268	1,008	875
Sun Security Bank | Balance, Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)				4,277
Sun Security Bank | Balance, End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)		1,948	2,242	2,901
InterBank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion		(8,798)	(8,349)	(7,505)
Certain Loans Acquired in Transfer Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference	[1]	12,081	8,269	4,067
InterBank | Balance, Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)				8,512
InterBank | Balance, End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)		8,277	4,994	5,074
Valley Bank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion		(4,302)	(3,892)	(5,823)
Certain Loans Acquired in Transfer Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference	[1]	5,817	4,260	3,721
Valley Bank | Balance, Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)				4,797
Valley Bank | Balance, End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)		$ 4,578	$ 3,063	$ 2,695
[1]	Represents increases in estimated cash flows expected to be received from the acquired loan pools, primarily due to lower estimated credit losses. The numbers also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the year ended December 31, 2019, totaling $667,000, $480,000, $810,000, $3.9 million and $2.5 million, respectively; for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the year ended December 31, 2018, totaling $312,000, $778,000, $756,000, $4.1 million and $3.5 million, respectively; and for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the year ended December 31, 2017, totaling $1.1 million, $663,000, $850,000, $3.5 million and $3.0 million, respectively

Note 5_ Other Real Estate Own_4

Note 5: Other Real Estate Owned: Schedule of Major Classifications of Foreclosed Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Foreclosed Assets	$ 3,651	$ 5,480
Foreclosed assets held for sale and repossessions | Other real estate owned not acquired through foreclosure
Foreclosed Assets	871	1,559
Foreclosed assets held for sale and repossessions | Other real estate owned and repossessions
Foreclosed Assets	5,525	8,440
Foreclosed assets held for sale and repossessions | Acquired foreclosed assets no longer covered by FDIC loss sharing agreements, net of discounts
Foreclosed Assets	0	167
Foreclosed assets held for sale and repossessions | Acquired foreclosed assets no longer covered by FDIC loss sharing agreements, net of discounts | Valley Bank
Foreclosed Assets	1,003	1,234
Foreclosed assets held for sale and repossessions | Foreclosed assets held for sale and repossessions, net
Foreclosed Assets	4,654	6,881
Foreclosed assets held for sale and repossessions | Land and Land Improvements
Foreclosed Assets	1,816	3,191
Foreclosed assets held for sale and repossessions | One- to four-family residential construction
Foreclosed Assets	0	0
Foreclosed assets held for sale and repossessions | Subdivision construction
Foreclosed Assets	689	1,092
Foreclosed assets held for sale and repossessions | Commercial construction
Foreclosed Assets	0	0
Foreclosed assets held for sale and repossessions | One- to four-family residential
Foreclosed Assets	601	269
Foreclosed assets held for sale and repossessions | Other residential
Foreclosed Assets	0	0
Foreclosed assets held for sale and repossessions | Commercial Real Estate
Foreclosed Assets	0	0
Foreclosed assets held for sale and repossessions | Commercial business
Foreclosed Assets	0	0
Foreclosed assets held for sale and repossessions | Consumer Loan
Foreclosed Assets	$ 545	$ 928

Note 5_ Other Real Estate Own_5

Note 5: Other Real Estate Owned (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Number of Branch Locations Closed and Held for Sale	6	9
Gain on Sale of Branch Location	$ 115
Loss on Sale of Branch Location		$ 24
Acquired loans | Previously covered by loss sharing agreements
Mortgage Loans in Process of Foreclosure, Amount	738	873
Acquired loans | Previously covered by loss sharing agreements | Valley Bank
Mortgage Loans in Process of Foreclosure, Amount	689	171
Residential Mortgage
Mortgage Loans in Process of Foreclosure, Amount	1,600	1,300
Residential Mortgage | Acquired loans
Mortgage Loans in Process of Foreclosure, Amount	$ 1,400	$ 1,000

Note 5_ Other Real Estate Own_6

Note 5: Other Real Estate Owned: Schedule of Expenses Applicable to Foreclosed Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Details
Net (gain) loss on sales of other real estate owned	$ (750)	$ (2,522)	$ (2,212)
Valuation write-downs on foreclosed assets	926	3,897	1,585
Operating expenses, net of rental income	2,008	3,544	4,556
Expense on other real estate and repossessions	$ 2,184	$ 4,919	$ 3,929

Note 6_ Premises and Equipmen_5

Note 6: Premises and Equipment: Property, Plant and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Details
Land	$ 40,632	$ 40,508
Buildings and improvements	96,959	95,039
Furniture, fixtures and equipment	56,986	54,327
Operating leases right of use asset	8,668	0
Less accumulated depreciation	61,337	57,450
Premises and equipment, net	$ 141,908	$ 132,424

Note 6_ Premises and Equipmen_6

Note 6: Premises and Equipment: Lessee, Operating Lease, Disclosure: Lease Agreements (Details) $ in Thousands	Dec. 31, 2019USD ($)
Details
Number of Lessee Lease Agreements	17
Initial Leases and Lease Modifications and Renewals	$ 9,500
Finance Lease, Right-of-Use Asset	8,700
Finance Lease, Liability	$ 8,700

Note 6_ Premises and Equipmen_7

Note 6: Premises and Equipment: Lessee, Operating Lease, Disclosure: Lease Expense Related to ATMs (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)
Details
Lease expense related to ATMs	$ 286

Note 6_ Premises and Equipmen_8

Note 6: Premises and Equipment: Lessee, Operating Lease, Disclosure: Expected Lease Terms (Details)	12 Months Ended
	Dec. 31, 2019
Weighted-average lease term	10.6 years
Operating Lease, Weighted Average Discount Rate, Percent	3.40%
Minimum
Lessee Expected Lease Terms	2.3 years
Maximum
Lessee Expected Lease Terms	18.9 years

Note 6_ Premises and Equipmen_9

Note 6: Premises and Equipment: Calculated Amount of Right of Use Assets and Lease Liabilities (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)
Statement of Financial Condition
Right of Use Asset, Operating Leases	$ 8,668
Liability, Operating Leases	8,747
Statement of Income
Operating Lease Costs Classified as Occupancy and Equipment Expense	1,460	[1]
Supplemental Cash Flow Information | Cash paid for amounts included in the measurement of lease liabilities
Operating Cash Flows from Operating Leases	1,381
Supplemental Cash Flow Information | Right of use assets obtained in exchange for lease obligations
Operating leases	$ 9,538
[1]	Includes short-term lease costs and amortization of right of use asset.

Note 6_ Premises and Equipme_10

Note 6: Premises and Equipment: Operating Lease Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Details
Operating Lease, Expense	$ 1,500	$ 1,200

Note 6_ Premises and Equipme_11

Note 6: Premises and Equipment: Schedule of Future Minimum Rental Payments for Operating Leases (Details) $ in Thousands	Dec. 31, 2019USD ($)
Details
Operating Leases, Future Minimum Payments, Remainder of Fiscal Year	$ 1,132
Operating Leases, Future Minimum Payments, Due in Two Years	1,148
Operating Leases, Future Minimum Payments, Due in Three Years	1,131
Operating Leases, Future Minimum Payments, Due in Four Years	1,099
Operating Leases, Future Minimum Payments, Due in Five Years	999
Operating Leases, Future Minimum Payments, Due Thereafter	5,186
Operating Lease, Payments	10,695
Interest portion of lease payments	(1,948)
Operating Lease, Liability	$ 8,747

Note 6_ Premises and Equipme_12

Note 6: Premises and Equipment: Lessor Agreements (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Details
Income Recognized From Lessor Agreements	$ 1,100	$ 1,000

Note 7_ Investments in Limite_6

Note 7: Investments in Limited Partnerships: Investments in Affordable Housing Partnerships Policy (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)
Details
Number of Investments in Affordable Housing Partnerships	15	17
Investments in Affordable Housing Partnerships Carrying Value, Net	$ 22,800	$ 22,900
Federal Affordable Housing Tax Credits	25,200
Expected Amortization of Investments in Affordable Housing Partnerships	22,800
Usage of Federal Affordable Housing Tax Credits	8,000	6,600	$ 6,600
Actual Amortization of Investments in Affordable Housing Partnerships	$ 5,800	$ 5,000	$ 5,200

Note 7_ Investments in Limite_7

Note 7: Investments in Limited Partnerships: Investments in Community Development Entities Policy (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Details
Investments in Community Development Entities Net Carrying Amount		$ 365
Usage of Investment in Community Development Entities Federal New Market Tax Credits	$ 480	480	$ 1,200
Actual Amortization of Investment in Community Development Entities	$ 365	$ 575	$ 930

Note 8_ Deposits_ Deposit Lia_2

Note 8: Deposits: Deposit Liabilities, Type (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Noninterest-bearing Deposit Liabilities	$ 687,068	$ 661,061
Demand Deposit Accounts	2,238,997	2,133,596
Time Deposits	1,721,109	1,591,411
Deposits, Domestic	3,960,106	3,725,007
Weighted Average Interest Rate | 0.46% - 0.32%
Interest-bearing Domestic Deposit, Demand	1,551,929	1,472,535
Weighted Average Interest Rate | 0% - 0.99%
Time Deposits	122,649	150,656
Weighted Average Interest Rate | 1% - 1.99%
Time Deposits	523,816	511,873
Weighted Average Interest Rate | 2% - 2.99%
Time Deposits	1,053,914	857,973
Weighted Average Interest Rate | 3% - 3.99%
Time Deposits	19,849	69,793
Weighted Average Interest Rate | 4% - 4.99%
Time Deposits	881	1,116
Weighted Average Interest Rate | 5% and above
Time Deposits	$ 0	$ 0

Note 8_ Deposits_ Weighted Aver

Note 8: Deposits: Weighted Average Interest Rate on Certificates of Deposit (Details)	Dec. 31, 2019	Dec. 31, 2018
Details
Weighted average interest rate on certificates of deposit	2.09%	1.98%

Note 8_ Deposits_ Originated Ce

Note 8: Deposits: Originated Certificates of Deposit and Brokered Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Details
Amount of certificates of deposit greater than $100,000 originated	$ 830,800	$ 733,900
Interest-bearing Domestic Deposit, Brokered	$ 371,700	$ 326,900

Note 8_ Deposits_ Maturities _2

Note 8: Deposits: Maturities of certificates of deposit (Details) - Certificates of Deposit $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)
2020	$ 1,383,992
2021	185,122
2022	67,592
2023	60,210
2024	23,364
Thereafter	829
Time Deposits by Category	1,721,109
Retail
2020	1,079,690
2021	185,122
2022	53,841
2023	17,762
2024	12,164
Thereafter	829
Time Deposits by Category	1,349,408
Brokered
2020	304,302
2021	0
2022	13,751
2023	42,448
2024	11,200
Thereafter	0
Time Deposits by Category	$ 371,701

Note 8_ Deposits_ Schedule of_2

Note 8: Deposits: Schedule of Interest Expense on Deposit Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Details
Checking and savings accounts	$ 7,971	$ 5,982	$ 4,699
Certificate accounts	37,723	22,149	16,009
Early withdrawal penalties	(124)	(174)	(113)
Interest Expense, Customer Deposits	$ 45,570	$ 27,957	$ 20,595

Note 9_ Advances From Federal_2

Note 9: Advances From Federal Home Loan Bank: Collateral for Federal Home Loan Bank Advances (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	$ 1,600,000	$ 1,360,000
Federal Home Loan Bank of Des Moines
Long-term Line of Credit	$ 867,100

Note 10_ Short-Term Borrowing_3

Note 10: Short-Term Borrowings: Schedule of Short-term Debt (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Details
Notes payable (Community Development) - Equity Funds	$ 1,267	$ 1,625
Other interest-bearing liabilities	30,890	13,100
Other Short-term Borrowings	196,000	178,000
Securities for Reverse Repurchase Agreements	84,167	105,253
Short-term Debt, Fair Value	$ 312,324	$ 297,978

Note 10_ Short-Term Borrowing_4

Note 10: Short-Term Borrowings: Short-term borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Details
Short-term Debt, Weighted Average Interest Rate, at Point in Time	1.25%	1.68%
Short-term borrowings average	$ 260,000	$ 137,300
Short term borrowing maximum amounts outstanding at any month end	$ 346,900	$ 298,000

Note 10_ Short-Term Borrowing_5

Note 10: Short-Term Borrowings: Schedule of Repurchase Agreements (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Securities sold under reverse repurchase agreements with customers	$ 84,167	$ 105,253
Financial Assets Sold under Agreement to Repurchase | Maturity Overnight | Mortgage Backed Securities, Other
Securities sold under reverse repurchase agreements with customers	$ 84,167	$ 105,253

Note 11_ Federal Reserve Bank_2

Note 11: Federal Reserve Bank Borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Federal Reserve Bank Advances
Long-term Line of Credit	$ 367,800	$ 460,700

Note 12_ Subordinated Debentu_3

Note 12: Subordinated Debentures Issued to Capital Trusts: Schedule of Subordinated Debentures Issued to Capital Trusts (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Details
Subordinated debentures	$ 25,774	$ 25,774

Note 13_ Subordinated Notes (De

Note 13: Subordinated Notes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Aug. 08, 2016
Details
Public offering and sale of subordinated notes			$ 75,000
Subordinated Note Due Date	Aug. 15, 2026
Subordinated Note Interest Rate	5.25%
Amortization of Debt Issuance Costs and Discounts	$ 434	$ 154

Note 13_ Subordinated Notes_ _2

Note 13: Subordinated Notes: Schedule of Subordinated Borrowing (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Details
Subordinated Debt	$ 75,000	$ 75,000
Unamortized Debt Issuance Expense	724	1,158
Subordinated Notes Proceeds, Net	$ 74,276	$ 73,842

Note 14_ Income Taxes_ Schedu_4

Note 14: Income Taxes: Schedule of Components of Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Details
Income Taxes Payable, Current	$ 15,375	$ 19,291	$ 9,335
Deferred Income Taxes and Tax Credits	1,074	(4,450)	11,528
Income Tax Expense (Benefit), Continuing Operations, Adjustment of Deferred Tax (Asset) Liability	0	0	(2,105)
Income Taxes Paid	$ 16,449	$ 14,841	$ 18,758

Note 14_ Income Taxes_ Schedu_5

Note 14: Income Taxes: Schedule of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Details
Allowance for loan losses	$ 9,188	$ 8,758
Deferred Tax Asset Interest on Nonperforming Loans	161	320
Deferred Tax Assets Accrued Expenses	821	726
Deferred Tax Assets Write-down of Foreclosed Assets	185	600
Deferred Tax Assets Write-down of Fixed Assets	50	191
Deferred tax assets partnership tax credits	732	0
Deferred income	509	0
Deferred tax assets difference in basis for acquired assets and liabilities	2,540	4,031
Deferred Tax Assets, Gross, Current	14,186	14,626
Deferred Tax Liabilities Tax Depreciation in Excess of Book Depreciation	(5,986)	(5,409)
Deferred Tax Liabilities Federal Home Loan Bank Stock Dividends	(817)	(798)
Deferred Tax Liabilities Partnership Tax Credits	0	(404)
Prepaid expenses	(891)	(569)
Unrealized gain on available-for-sale securities	(2,671)	(83)
Deferred tax liability unrealized gain on cash flow derivatives	(6,853)	(2,761)
Other	(233)	(113)
Deferred Tax Liabilities, Gross, Current	(17,451)	(10,137)
Net deferred tax asset (liability)	$ (3,265)	$ 4,489

Note 14_ Income Taxes_ Schedu_6

Note 14: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Details)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Details
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	21.00%	21.00%	35.00%
Nontaxable interest and dividends	(0.50%)	(0.80%)	(1.60%)
Effective Income Tax Rate Reconciliation, Tax Credit, Percent	(3.60%)	(3.40%)	(6.10%)
Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Percent	1.30%	1.10%	1.10%
Initial impact of enactment of 2017 Tax Act	0.00%	0.00%	(0.40%)
Effective Income Tax Rate Reconciliation, Other Adjustments, Percent	0.10%	0.20%	(1.30%)
Effective Income Tax Rate Reconciliation, Percent	18.30%	18.10%	26.70%

Note 15_ Disclosures About Fa_6

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets Measured on Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Recurring Assets, Fair Value Disclosure	$ 165,042	$ 153,258
Collateralized Mortgage Obligations
Recurring Assets, Fair Value Disclosure	151,950	39,260
US States and Political Subdivisions Debt Securities
Recurring Assets, Fair Value Disclosure	35,125	51,450
Small Business Administration
Recurring Assets, Fair Value Disclosure	22,058
Interest rate derivative asset
Recurring Assets, Fair Value Disclosure	31,476	12,800
Interest rate derivative liability
Recurring Assets, Fair Value Disclosure	(1,547)	(716)
Fair Value, Inputs, Level 1 | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 | Collateralized Mortgage Obligations
Recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 | US States and Political Subdivisions Debt Securities
Recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 | Small Business Administration
Recurring Assets, Fair Value Disclosure	0
Fair Value, Inputs, Level 1 | Interest rate derivative asset
Recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 | Interest rate derivative liability
Recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 2 | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Recurring Assets, Fair Value Disclosure	165,042	153,258
Fair Value, Inputs, Level 2 | Collateralized Mortgage Obligations
Recurring Assets, Fair Value Disclosure	151,950	39,260
Fair Value, Inputs, Level 2 | US States and Political Subdivisions Debt Securities
Recurring Assets, Fair Value Disclosure	35,125	51,450
Fair Value, Inputs, Level 2 | Small Business Administration
Recurring Assets, Fair Value Disclosure	22,058
Fair Value, Inputs, Level 2 | Interest rate derivative asset
Recurring Assets, Fair Value Disclosure	31,476	12,800
Fair Value, Inputs, Level 2 | Interest rate derivative liability
Recurring Assets, Fair Value Disclosure	(1,547)	(716)
Fair Value, Inputs, Level 3 | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 3 | Collateralized Mortgage Obligations
Recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 3 | US States and Political Subdivisions Debt Securities
Recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 3 | Small Business Administration
Recurring Assets, Fair Value Disclosure	0
Fair Value, Inputs, Level 3 | Interest rate derivative asset
Recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 3 | Interest rate derivative liability
Recurring Assets, Fair Value Disclosure	$ 0	$ 0

Note 15_ Disclosures About Fa_7

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets and Liabilities Measured on Nonrecurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Impaired Loans
Non-recurring Assets, Fair Value Disclosure	$ 635	$ 2,805
Foreclosed assets held for sale
Non-recurring Assets, Fair Value Disclosure	1,112	1,776
Fair Value, Inputs, Level 1 | Impaired Loans
Non-recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 | Foreclosed assets held for sale
Non-recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 2 | Impaired Loans
Non-recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 2 | Foreclosed assets held for sale
Non-recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 3 | Impaired Loans
Non-recurring Assets, Fair Value Disclosure	635	2,805
Fair Value, Inputs, Level 3 | Foreclosed assets held for sale
Non-recurring Assets, Fair Value Disclosure	$ 1,112	$ 1,776

Note 15_ Disclosures About Fa_8

Note 15: Disclosures About Fair Value of Financial Instruments: Schedule Of Financial Instruments Fair Value (Details) $ in Thousands	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Letter of Credit
Financial Instruments Owned Carrying Amount	$ 109	$ 146
Financial Instruments, Owned, at Fair Value	$ 109	$ 146
Fair Value Hierarchy Level	3	3
Line of Credit
Financial Instruments Owned Carrying Amount	$ 0	$ 0
Financial Instruments, Owned, at Fair Value	$ 0	$ 0
Fair Value Hierarchy Level	3	3
Commitments to Extend Credit
Financial Instruments Owned Carrying Amount	$ 0	$ 0
Financial Instruments, Owned, at Fair Value	$ 0	$ 0
Fair Value Hierarchy Level	3	3
Financial assets | Mortgage loans held for sale
Financial Instruments Owned Carrying Amount	$ 9,242	$ 1,650
Financial Instruments, Owned, at Fair Value	$ 9,242	$ 1,650
Fair Value Hierarchy Level	2	2
Financial assets | Accrued interest receivable
Financial Instruments Owned Carrying Amount	$ 13,530	$ 13,448
Financial Instruments, Owned, at Fair Value	$ 13,530	$ 13,448
Fair Value Hierarchy Level	3	3
Financial assets | Cash and Cash Equivalents
Financial Instruments Owned Carrying Amount	$ 220,155	$ 202,742
Financial Instruments, Owned, at Fair Value	$ 220,155	$ 202,742
Fair Value Hierarchy Level	1	1
Financial assets | Loans Receivable
Financial Instruments Owned Carrying Amount	$ 4,153,982	$ 3,989,001
Financial Instruments, Owned, at Fair Value	$ 4,129,984	$ 3,955,786
Fair Value Hierarchy Level	3	3
Financial assets | Investment in Federal Home Loan Bank Stock
Financial Instruments Owned Carrying Amount	$ 13,473	$ 12,438
Financial Instruments, Owned, at Fair Value	$ 13,473	$ 12,438
Fair Value Hierarchy Level	3	3
Financial liabilities | Junior Subordinated Debt
Financial Instruments Owned Carrying Amount	$ 25,774	$ 25,774
Financial Instruments, Owned, at Fair Value	$ 25,774	$ 25,774
Fair Value Hierarchy Level	3	3
Financial liabilities | Subordinated Debt
Financial Instruments Owned Carrying Amount	$ 74,276	$ 73,842
Financial Instruments, Owned, at Fair Value	$ 76,875	$ 75,188
Fair Value Hierarchy Level	2	2
Financial liabilities | Deposits
Financial Instruments Owned Carrying Amount	$ 3,960,106	$ 3,725,007
Financial Instruments, Owned, at Fair Value	$ 3,963,875	$ 3,717,899
Fair Value Hierarchy Level	3	3
Financial liabilities | Short-term Debt
Financial Instruments Owned Carrying Amount	$ 312,324	$ 297,978
Financial Instruments, Owned, at Fair Value	$ 312,324	$ 297,978
Fair Value Hierarchy Level	3	3
Financial liabilities | Accrued interest payable
Financial Instruments Owned Carrying Amount	$ 4,250	$ 3,570
Financial Instruments, Owned, at Fair Value	$ 4,250	$ 3,570
Fair Value Hierarchy Level	3	3

Note 16_ Derivatives and Hedg_5

Note 16: Derivatives and Hedging Activities: Loans With Interest Rate Swap (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Gain (Loss) on Fair Value Hedges Recognized in Earnings	$ (104)	$ 25	$ 28
Interest Rate Swap | Not Designated as Hedging Instrument | Third Parties
Derivative, Notional Amount	$ 96,000	$ 78,500

Note 16_ Derivatives and Hedg_6

Note 16: Derivatives and Hedging Activities: Cash Flow Hedges - Interest Rate Swap (Details) - Cash Flow Hedges - Interest Rate Swap - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Derivative, Notional Amount	$ 400,000	$ 400,000
Interest Income, Other	$ 3,100	$ 673

Note 16_ Derivatives and Hedg_7

Note 16: Derivatives and Hedging Activities: Cash Flow Hedges - Interest Rate Cap (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2017USD ($)
Cash Flow Hedges | Interest Rate Cap
Interest Expense, Other	$ 244

Note 16_ Derivatives and Hedg_8

Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments in Statement of Financial Position, Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Derivatives Designated as Hedging Instruments, Total	$ 30,056	$ 12,106
Derivatives Not Designated as Hedging Instruments Assets, Total	1,420	694
Derivatives Not Designated as Hedging Instruments Liabilities, Total	1,547	716
Prepaid Expenses and Other Current Assets | Interest Rate Swap
Derivatives Designated as Hedging Instruments	30,056	12,106
Interest rate products	1,420	694
Interest rate products	$ 1,547	$ 716

Note 16_ Derivatives and Hedg_9

Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Interest Rate Swap
Cash Flow Hedges Gain (Loss) Recognized in Accumulated Other Comprehensive Income, Net	$ 13,857	$ 9,345
Interest Rate Cap
Cash Flow Hedges Gain (Loss) Recognized in Accumulated Other Comprehensive Income, Net			$ 161

Note 16_ Derivatives and Hed_10

Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Statements of Operations (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Interest Income | Interest Rate Swap
Effect of cash flow hedge accounting on the statements of operations	$ 3,082	$ 673
Interest Income | Interest Rate Cap
Effect of cash flow hedge accounting on the statements of operations			$ 0
Interest Expense | Interest Rate Swap
Effect of cash flow hedge accounting on the statements of operations	$ 0	$ 0
Interest Expense | Interest Rate Cap
Effect of cash flow hedge accounting on the statements of operations			$ 244

Note 17_ Commitments and Cred_2

Note 17: Commitments and Credit Risk: Outstanding Commitments to Originate Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Details
Outstanding commitments to originate loans	$ 92,400	$ 105,300

Note 17_ Commitments and Cred_3

Note 17: Commitments and Credit Risk: Mortgage Loans in Process of Origination (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Details
Mortgage loans in the process of origination	$ 69,300	$ 24,300

Note 17_ Commitments and Cred_4

Note 17: Commitments and Credit Risk: Letters of Credit (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Letters of Credit Outstanding, Amount	$ 26,300	$ 28,900
Letters of Credit Terms Up to Five Years	26,300	28,400
Letters of credit having terms over five years	0	476
Guarantee the payment of principal and interest on a Multifamily Housing Refunding Revenue Bond Issue
Letters of credit having terms over five years	$ 0	$ 476

Note 17_ Commitments and Cred_5

Note 17: Commitments and Credit Risk: Purchased Letters of Credit (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Details
Purchased Letters of Credit From Federal Home Loan Bank	$ 0	$ 2,100

Note 17_ Commitments and Cred_6

Note 17: Commitments and Credit Risk: Lines of Credit (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Letters of Credit Outstanding, Amount	$ 26,300	$ 28,900
Commercial Lines of Credit
Letters of Credit Outstanding, Amount	1,200,000	1,100,000
Openend Consumer Lines of Credit
Letters of Credit Outstanding, Amount	$ 155,800	$ 150,900

Note 17_ Commitments and Cred_7

Note 17: Commitments and Credit Risk: Credit Risk -- Secured Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Details
Loans and Leases Receivable, Collateral for Secured Borrowings	$ 725,000	$ 750,300

Note 18_ Additional Cash Flow_3

Note 18: Additional Cash Flow Information: Schedule of Cash Flow, Supplemental Disclosures (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Provision for Income Taxes	$ 16,449	$ 14,841	$ 18,758
Noncash Investing and Financing Activities
Real Estate Acquired Through Foreclosure	12,729	12,044	23,780
Proceeds from Sale of Wholly Owned Real Estate and Real Estate Acquired in Settlement of Loans	1,340	2,578	603
Conversion of premises and equipment to foreclosed assets	1,135	0	0
Dividends declared but not paid	4,849	4,528	3,381
Additional Cash Payment Information
Interest Paid, Including Capitalized Interest, Operating and Investing Activities	53,922	37,091	27,724
Provision for Income Taxes	$ 5,719	$ 2,569	$ 17,563

Note 20_ Stock Compensation P_7

Note 20: Stock Compensation Plans: Schedule of Share-based Compensation, Stock Options, Activity (Details) - $ / shares	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Granted from 2013 Plan
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant		(1,000)	(157,800)
Share-based Payment Arrangement, Option, Exercise Price Range, Shares Exercisable		1,000	157,800
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price		$ 52.500	$ 52.118
Exercised
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	0	0	0
Share-based Payment Arrangement, Option, Exercise Price Range, Shares Exercisable	(125,894)	(81,940)	(119,692)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 33.031	$ 27.597	$ 27.352
Forfeited from terminated plan(s)
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	0		0
Share-based Payment Arrangement, Option, Exercise Price Range, Shares Exercisable	(17,424)		(675)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 44.163		$ 24.690
Forfeited from current plan(s)
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	8,450	600	15,837
Share-based Payment Arrangement, Option, Exercise Price Range, Shares Exercisable	(8,450)	(600)	(15,837)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 55	$ 55	$ 41.916
Forfeited from 2013 Plan
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant		13,773
Share-based Payment Arrangement, Option, Exercise Price Range, Shares Exercisable		(13,773)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price		$ 45.692
Termination of 2013 Plan
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant		(90,285)
Share-based Payment Arrangement, Option, Exercise Price Range, Shares Exercisable		0
Available to grant from 2018 Plan
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant		800,000
Share-based Payment Arrangement, Option, Exercise Price Range, Shares Exercisable		0
Granted from 2018 Plan
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	(186,400)	(185,750)
Share-based Payment Arrangement, Option, Exercise Price Range, Shares Exercisable	186,400	185,750
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 60.086	$ 55.297
Share-based Payment Arrangement, Option | Balance, Beginning of Period
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant			219,475
Share-based Payment Arrangement, Option, Exercise Price Range, Shares Exercisable			661,203
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price			$ 33.672
Share-based Payment Arrangement, Option | Balance, End of Period
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	436,900	614,850	77,512
Share-based Payment Arrangement, Option, Exercise Price Range, Shares Exercisable	807,868	773,236	682,799
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 49.139	$ 43.886	$ 38.860

Note 20_ Stock Compensation P_8

Note 20: Stock Compensation Plans: Schedule of Fair Value Option Pricing Model Assumptions (Details) - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Details
Expected dividends per share	$ 1.36	$ 1.27	$ 0.95
Risk-free interest rate	1.59%	2.86%	2.03%
Expected life of options	5 years	5 years	5 years
Expected volatility	25.15%	17.61%	23.49%
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value	$ 11.20	$ 8.30	$ 10.04

Note 20_ Stock Compensation P_9

Note 20: Stock Compensation Plans: Schedule of Share-based Compensation, Activity (Details) - Share-based Payment Arrangement, Option	12 Months Ended
	Dec. 31, 2019$ / sharesshares
Granted
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	186,400
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price | $ / shares	$ 60.086
Exercised
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	(125,894)
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price | $ / shares	$ 33.031
Forfeited
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	(25,874)
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price | $ / shares	$ 49.395
Options exercisable
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	255,491
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price | $ / shares	$ 37.310
Share based compensation stock option weighted average remaining contractual term	5.10 years
Balance, Beginning of Period
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	773,236
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price | $ / shares	$ 43.886
Share based compensation stock option weighted average remaining contractual term	7.44 years
Balance, End of Period
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	807,868
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price | $ / shares	$ 49.139
Share based compensation stock option weighted average remaining contractual term	7.54 years

Note 20_ Stock Compensation _10

Note 20: Stock Compensation Plans: Options Granted and Intrinsic Value (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Details
Share Based Compensation Arrangement By Share Based Payment Award Options Granted Number	186,400	186,750	157,800
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Intrinsic Value	$ 3,100	$ 2,200	$ 3,000
Proceeds from Stock Options Exercised	4,200	2,300	3,300
Share-based Payment Arrangement, Exercise of Option, Tax Benefit	2,700	1,600	2,700
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Intrinsic Value	11,500	4,700	8,800
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Intrinsic Value	$ 6,600	$ 3,900	$ 5,700

Note 20_ Stock Compensation _11

Note 20: Stock Compensation Plans: Schedule of Nonvested Share Activity (Details) - Share-based Payment Arrangement, Option	12 Months Ended
	Dec. 31, 2019$ / sharesshares
Nonvested options | Balance, Beginning of Period
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number | shares	506,494
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Exercise Price	$ 50.023
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Grant Date Fair Value	$ 8.431
Nonvested options | Balance, End of Period
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number | shares	552,377
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Exercise Price	$ 54.610
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Grant Date Fair Value	$ 9.509
Granted
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number | shares	186,400
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Exercise Price	$ 60.086
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Grant Date Fair Value	$ 11.195
Vested this period
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number | shares	(115,393)
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Exercise Price	$ 44.327
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Grant Date Fair Value	$ 7.744
Nonvested options forfeited
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number | shares	(25,124)
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Exercise Price	$ 49.998
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Grant Date Fair Value	$ 8.394

Note 20_ Stock Compensation _12

Note 20: Stock Compensation Plans: Nonvested Options Granted Unrecognized Compensation Cost (Details) $ in Thousands	Dec. 31, 2019USD ($)
Details
Nonvested Options Granted Unrecognized Compensation Costs	$ 4,700

Note 20_ Stock Compensation _13

Note 20: Stock Compensation Plans: Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable (Details)	12 Months Ended
	Dec. 31, 2019$ / sharesshares
Outstanding
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	807,868
Share based compensation stock option weighted average remaining contractual term	7.54 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price | $ / shares	$ 49.139
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number | shares	255,491
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price | $ / shares	$ 37.310
Range of Exercise Prices | $16.810 to 29.640
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	79,493
Share based compensation stock option weighted average remaining contractual term	3.01 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price | $ / shares	$ 25.408
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number | shares	79,493
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price | $ / shares	$ 25.408
Range of Exercise Prices | $32.590 to 38.610
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	66,231
Share based compensation stock option weighted average remaining contractual term	4.89 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price | $ / shares	$ 33.043
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number | shares	62,606
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price | $ / shares	$ 32.794
Range of Exercise Prices | $41.300 to 47.800
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	90,193
Share based compensation stock option weighted average remaining contractual term	6.81 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price | $ / shares	$ 41.323
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number | shares	35,586
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price | $ / shares	$ 41.300
Range of Exercise Prices | $50.710 to 52.500
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	208,851
Share based compensation stock option weighted average remaining contractual term	7.18 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price | $ / shares	$ 51.656
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number | shares	77,806
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price | $ / shares	$ 51.280
Range of Exercise Prices | $55.000 to 59.750
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	363,100
Share based compensation stock option weighted average remaining contractual term	9.39 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price | $ / shares	$ 57.763
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number | shares	0
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price | $ / shares	$ 0

Note 22_ Accumulated Other Co_4

Note 22: Accumulated Other Comprehensive Income: Schedule of Amounts in Accumulated Other Comprehensive Income (Loss) to be Recognized over Next Fiscal Year (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Details
Net unrealized gain on available-for-sale securities	$ 11,715	$ 365
Net unrealized gain on derivatives used for cash flow hedges	30,056	12,106
Accumulated other comprehensive income tax effect	(9,525)	(2,844)
Net-of-tax amount	$ 32,246	$ 9,627

Note 22_ Accumulated Other Co_5

Note 22: Accumulated Other Comprehensive Income: Schedule of Amounts Reclassified from Accumulated Other Comprehensive Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	$ 48	$ 2	$ 0
Affected Line Item in the Statements of Income | Net realized gains on available-for-sale securities (total reclassified amount before tax)
Unrealized gains on available-for-sale securities reclassified out of AOCI	(62)	2	0
Affected Line Item in the Statements of Income | Tax (expense) benefit
Income taxes on unrealized gains on available-for-sale securities reclassified out of AOCI	$ 14	$ 0	$ 0

Note 23_ Regulatory Matters_ _2

Note 23: Regulatory Matters: Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Total capital | Great Southern Bancorp, Inc.
Actual Capital Amount	$ 698,085	$ 651,469
Actual Capital Ratio	15.00%	14.40%
Capital Required for Capital Adequacy	$ 372,387	$ 360,826
Capital Required for Capital Adequacy to Risk Weighted Assets	8.00%	8.00%
Total capital | Great Southern Bank
Actual Capital Amount	$ 650,280	$ 599,509
Actual Capital Ratio	14.00%	13.30%
Capital Required for Capital Adequacy	$ 372,316	$ 360,767
Capital Required for Capital Adequacy to Risk Weighted Assets	8.00%	8.00%
Capital Required to be Well Capitalized	$ 465,395	$ 450,959
Capital Required to be Well Capitalized to Risk Weighted Assets	10.00%	10.00%
Tier I capital | Great Southern Bancorp, Inc.
Actual Capital Amount	$ 582,791	$ 538,060
Actual Capital Ratio	12.50%	11.90%
Capital Required for Capital Adequacy	$ 279,290	$ 270,619
Capital Required for Capital Adequacy to Risk Weighted Assets	6.00%	6.00%
Tier I capital | Great Southern Bank
Actual Capital Amount	$ 609,986	$ 561,100
Actual Capital Ratio	13.10%	12.40%
Capital Required for Capital Adequacy	$ 279,237	$ 270,575
Capital Required for Capital Adequacy to Risk Weighted Assets	6.00%	6.00%
Capital Required to be Well Capitalized	$ 372,316	$ 360,767
Capital Required to be Well Capitalized to Risk Weighted Assets	8.00%	8.00%
Tier I leverage capital | Great Southern Bancorp, Inc.
Actual Capital Amount	$ 582,791	$ 538,060
Actual Capital Ratio	11.80%	11.70%
Capital Required for Capital Adequacy	$ 198,320	$ 184,088
Capital Required for Capital Adequacy to Risk Weighted Assets	4.00%	4.00%
Tier I leverage capital | Great Southern Bank
Actual Capital Amount	$ 609,986	$ 561,100
Actual Capital Ratio	12.30%	12.20%
Capital Required for Capital Adequacy	$ 198,010	$ 184,050
Capital Required for Capital Adequacy to Risk Weighted Assets	4.00%	4.00%
Capital Required to be Well Capitalized	$ 247,512	$ 230,062
Capital Required to be Well Capitalized to Risk Weighted Assets	5.00%	5.00%
Common equity Tier I capital | Great Southern Bancorp, Inc.
Actual Capital Amount	$ 557,791	$ 513,060
Actual Capital Ratio	12.00%	11.40%
Capital Required for Capital Adequacy	$ 209,468	$ 202,965
Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%	4.50%
Common equity Tier I capital | Great Southern Bank
Actual Capital Amount	$ 609,986	$ 561,100
Actual Capital Ratio	13.10%	12.40%
Capital Required for Capital Adequacy	$ 209,428	$ 202,931
Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%	4.50%
Capital Required to be Well Capitalized	$ 302,507	$ 293,123
Capital Required to be Well Capitalized to Risk Weighted Assets	6.50%	6.50%

Note 25_ Summary of Unaudited_3

Note 25: Summary of Unaudited Quarterly Operating Results: Schedule of Quarterly Financial Information (Details) - Quarterly operating results - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017
Interest Income, Operating	$ 58,726	$ 60,187	$ 58,723	$ 57,358	$ 56,142	$ 52,982	$ 49,943	$ 46,882	$ 46,536	$ 46,368	$ 44,744	$ 45,413
Interest Expense Operating	13,784	14,263	13,802	12,753	11,585	9,997	8,731	7,444	7,263	7,087	6,843	6,712
Provision for Other Losses	650	1,950	1,600	1,950	1,950	1,300	1,950	1,950	1,950	2,950	1,950	2,250
Debt Securities, Available-for-sale, Realized Gain (Loss)	(72)	0	0	10	0	2	0	0	0	0	0	0
Noninterest Income, Other Operating Income	7,695	8,655	7,157	7,450	7,220	14,604	7,459	6,935	7,374	7,655	15,800	7,698
Other Noninterest Expense	29,535	28,725	28,383	28,495	28,774	28,309	29,915	28,312	29,283	28,034	28,371	28,573
Provision for income taxes	4,559	4,172	3,720	3,998	3,765	5,464	2,967	2,645	3,207	4,289	7,204	4,058
Net Income Available to Common Shareholders	$ 17,893	$ 19,732	$ 18,375	$ 17,612	$ 17,288	$ 22,516	$ 13,839	$ 13,466	$ 12,207	$ 11,663	$ 16,176	$ 11,518
Earnings per share operating results diluted	$ 1.24	$ 1.38	$ 1.28	$ 1.23	$ 1.21	$ 1.57	$ 0.97	$ 0.95	$ 0.86	$ 0.82	$ 1.14	$ 0.81

Note 26_ Condensed Parent Com_6

Note 26: Condensed Parent Company Statements: Condensed Balance Sheet -- Great Southern Bancorp, Inc. (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Cash	$ 99,299	$ 110,108
Prepaid expenses and other assets	74,984	55,336
Total assets	5,015,072	4,676,200
Subordinated notes	74,276	73,842
Subordinated Debt	75,000	75,000
Additional paid-in capital	33,510	30,121
Retained earnings	537,167	492,087
Parent Company
Cash	58,726	56,648
Investment in subsidiary bank	650,329	580,016
Deferred and accrued income taxes	111	411
Prepaid expenses and other assets	868	889
Total assets	710,034	637,964
Accounts Payable and Accrued Liabilities, Fair Value Disclosure	6,918	6,371
Subordinated notes	25,774	25,774
Subordinated Debt	74,276	73,842
Common Stock Value Parent	143	142
Additional paid-in capital	33,510	30,121
Retained earnings	537,167	492,087
Unrealized gain on available-for-sale securities, parent net	32,246	9,627
Total Assets and Liabilities	$ 710,034	$ 637,964

Note 26_ Condensed Parent Com_7

Note 26: Condensed Parent Company Statements: Condensed Income Statement -- Great Southern Bancorp, Inc. (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Interest Expense	$ 54,602	$ 37,757	$ 27,905
Parent Company
Dividends from subsidiary bank	32,000	34,000	17,500
Other Interest and Dividend Income	0	0	48
Gain on Redemption of Trust Preferred Securities	(23)	0	0
Total income	31,977	34,000	17,548
Operating Expenses	2,044	1,793	1,330
Interest Expense	5,397	5,050	5,047
Total expense	7,441	6,843	6,377
Income before income tax and equity in undistributed earnings of subsidiaries	24,536	27,157	11,171
Income Tax Credits and Adjustments	(1,381)	(1,204)	(1,709)
Income before equity in earnings of subsidiaries	25,917	28,361	12,880
Equity in undistributed earnings of subsidiaries	47,695	38,748	38,684
Net income parent company	$ 73,612	$ 67,109	$ 51,564

Note 26_ Condensed Parent Com_8

Note 26: Condensed Parent Company Statements: Condensed Cash Flow Statement -- Great Southern Bancorp, Inc. (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Prepaid expenses and other assets	$ (1,336)	$ 3,002	$ (5,227)
Net cash provided by operating activities	86,419	94,195	62,817
Net cash provided by investing activities	(295,149)	(381,323)	81,379
Net cash used in financing activities	226,143	247,617	(181,712)
Parent Company
Operating Activity Net Income Parent Company	73,612	67,109	51,564
Increase (Decrease) Equity in Undistributed Earnings of Subsidiaries	(47,695)	(38,748)	(38,684)
Compensation expense for stock option grants	922	737	564
Amortization of interest rate derivative	434	154	441
Gain (Loss) on Sale of Other Investments	23	0	0
Prepaid expenses and other assets	(3)	13	132
Accounts Payable and Other Accrued Liabilities	226	182	(115)
Income taxes parent	300	(278)	6
Net cash provided by operating activities	27,819	29,169	13,908
Investment/Return of principal - other investments	2	0	0
Net cash provided by investing activities	2	0	0
Payments for Repurchase of Warrants	(849)	(903)	0
Dividends, Paid-in-kind	(29,052)	(15,819)	(12,894)
Stock options excercised	4,158	2,224	3,247
Net cash used in financing activities	(25,743)	(14,498)	(9,647)
Cash, Period Increase (Decrease)	2,078	14,671	4,261
Cash beginning of period	56,648	41,977	37,716
Cash end of period	58,726	56,648	41,977
Interest Paid, Including Capitalized Interest, Operating and Investing Activities	$ 5,424	$ 5,001	$ 5,059

Note 26_ Condensed Parent Com_9

Note 26: Condensed Parent Company Statements: Condensed Statement of Comprehensive Income -- Great Southern Bancorp, Inc. (Details) - Parent Company - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Net Comprehensive Income Parent Company	$ 73,612	$ 67,109	$ 51,564
Change in Fair Value of Cash Flow Hedge, Net	0	0	161
Comprehensive Income of subsidiaries	22,619	8,114	(478)
Comprehensive Income parent	$ 96,231	$ 75,223	$ 51,247

Note 27_ Sale of Branches and_2

Note 27: Sale of Branches and Related Deposits (Details) - West Gate Bank $ in Thousands	3 Months Ended
	Dec. 31, 2019USD ($)
Deposits
Proceeds from Sale of Other Productive Assets	$ 56,000
Transaction expense
Proceeds from Sale of Other Productive Assets	165
Pre-tax gain
Proceeds from Sale of Other Productive Assets	$ 7,400

Note 28_ Subsequent Event - I_2

Note 28: Subsequent Event - Interest Rate Swap Termination (Details) - USD ($) $ in Thousands	Oct. 06, 2025	Mar. 02, 2020	Oct. 31, 2018
Details
Interest rate swap transaction			$ 400,000
Interest rate swap transaction termination date	$ 400,000
Interest rate swap termination with counterparty description		On March 2, 2020, the Company and its swap counterparty mutually agreed to terminate the swap, effective immediately. The Company received a payment of $45.9 million, including accrued but unpaid interest, from its swap counterparty as a result of this termination. This $45.9 million, less the accrued interest portion and net of deferred income taxes, will be reflected in the Company’s equity as Accumulated Other Comprehensive Income and a portion of it will be accreted to interest income monthly through the original contractual termination date of October 6, 2025. This will have the effect of reducing Accumulated Other Comprehensive Income and increasing Net Interest Income and Retained Earnings over the period.