Great Southern Bancorp (GSBC) 10-K11 Mar 242023 FY Annual reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
Document and Entity Information - USD ($)	Dec. 31, 2023	Mar. 08, 2024	Jun. 30, 2023
Document and Entity Information
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2023
Document Transition Report	false
Entity File Number	0-18082
Entity Registrant Name	GREAT SOUTHERN BANCORP, INC.
Entity Incorporation, State or Country Code	MD
Entity Tax Identification Number	43-1524856
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
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	GSBC
Security Exchange Name	NASDAQ
Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Document Financial Statement Error Correction [Flag]	true
Document Financial Statement Restatement Recovery Analysis [Flag]	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		11,732,357
Entity Public Float			$ 444,322,155
Entity Central Index Key	0000854560
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	FY
Amendment Flag	false
Auditor Name	FORVIS, LLP
Auditor Firm ID	686
Auditor Location	Springfield, Missouri

Consolidated Statements of Fina

Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Assets
Cash	$ 102,529	$ 105,262
Interest-bearing deposits in other financial institutions	108,804	63,258
Cash and cash equivalents	211,333	168,520
Available-for-sale securities	478,207	490,592
Held-to-maturity securities	195,023	202,495
Mortgage loans held for sale	5,849	4,811
Loans receivable, net of allowance for credit losses of $64,670 and $63,480 at December 31, 2023 and 2022, respectively	4,589,620	4,506,836
Interest receivable	21,206	19,107
Prepaid expenses and other assets	106,225	69,461
Other real estate owned and repossessions, net	23	233
Premises and equipment, net	138,591	141,070
Goodwill and other intangible assets	10,527	10,813
Federal Home Loan Bank stock and other interest-earning assets	26,313	30,814
Current and deferred income taxes	29,485	35,950
Total assets	5,812,402	5,680,702
Liabilities
Deposits	4,721,708	4,684,910
Securities sold under reverse repurchase agreements with customers	70,843	176,843
Short-term borrowings and other interest-bearing liabilities	252,610	89,583
Subordinated debentures issued to capital trust	25,774	25,774
Subordinated notes	74,579	74,281
Accrued interest payable	6,225	3,010
Advances from borrowers for taxes and insurance	4,946	6,590
Accrued expenses and other liabilities	76,401	73,808
Liability for unfunded commitments	7,487	12,816
Total liabilities	5,240,573	5,147,615
Commitments and Contingencies
Stockholders' Equity
Serial preferred stock, $.01 par value; authorized 1,000,000 shares; issued and outstanding 2023 and 2022 - -0- shares	0	0
Common stock, $.01 par value; authorized 20,000,000 shares; issued and outstanding 2023 - 11,804,430 shares, 2022 -12,231,290 shares	118	122
Additional paid-in capital	44,320	42,445
Retained earnings	569,872	543,875
Accumulated other comprehensive income (loss), net of income taxes of $(14,211) and $(17,948) at December 31, 2023 and 2022, respectively	(42,481)	(53,355)
Total stockholders' equity	571,829	533,087
Total liabilities and stockholders' equity	$ 5,812,402	$ 5,680,702

Consolidated Statements of Fi_2

Consolidated Statements of Financial Condition (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Consolidated Statements of Financial Condition
Loans receivable, net of allowance for credit losses	$ 64,670	$ 63,480
Preferred stock, par value (in dollars 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 value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized	20,000,000	20,000,000
Common stock, shares issued	11,804,430	12,231,290
Common stock, shares outstanding	11,804,430	12,231,290
Accumulated other comprehensive income, net of income taxes	$ (14,211)	$ (17,948)

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
Consolidated Statements of Income - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Interest Income
Loans	$ 271,952	$ 205,751	$ 186,269
Investment securities and other	24,883	21,226	12,404
Total Interest Income	296,835	226,977	198,673
Interest Expense
Deposits	88,757	20,676	13,102
Securities sold under reverse repurchase agreements	1,205	324	37
Short-term borrowings, overnight FHLBank borrowings and other interest-bearing liabilities	7,500	1,066
Subordinated debentures issued to capital trust	1,736	875	448
Subordinated notes	4,422	4,422	7,165
Total Interest Expense	103,620	27,363	20,752
Net Interest Income	193,215	199,614	177,921
Provision (Credit) for Credit Losses on Loans	2,250	3,000	(6,700)
Provision (Credit) for Unfunded Commitments	(5,329)	3,187	939
Net Interest Income After Provision (Credit) for Credit Losses and Provision (Credit) for Unfunded Commitments	196,294	193,427	183,682
Non-interest Income
Commissions	1,153	1,208	1,263
Overdraft and insufficient funds fees	7,617	7,872	6,686
Point-of-sale and ATM fee income and service charges	14,346	15,705	15,029
Net gain on loan sales	2,354	2,584	9,463
Net realized loss on sales of available-for-sale securities		(130)
Late charges and fees on loans	786	1,182	1,434
Gain (loss) on derivative interest rate products	(337)	321	312
Other income	4,154	5,399	4,130
Total Noninterest Income	30,073	34,141	38,317
Non-interest Expense
Salaries and employee benefits	78,521	75,300	70,290
Net occupancy and equipment expense	30,834	28,471	29,163
Postage	3,590	3,379	3,164
Insurance	4,542	3,197	3,061
Advertising	3,396	3,261	3,072
Office supplies and printing	1,057	867	848
Telephone	2,730	3,170	3,458
Legal, audit and other professional fees	7,086	6,330	6,555
Expense on other real estate and repossessions	311	359	627
Acquired intangible asset amortization	286	768	863
Other operating expenses	8,670	8,264	6,534
Total Noninterest Expense	141,023	133,366	127,635
Income Before Income Taxes	85,344	94,202	94,364
Provision for Income Taxes	17,544	18,254	19,737
Net Income	$ 67,800	$ 75,948	$ 74,627
Earnings Per Common Share
Basic Earnings Per Common Share	$ 5.65	$ 6.07	$ 5.50
Diluted Earnings Per Common Share	$ 5.61	$ 6.02	$ 5.46

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Consolidated Statements of Comprehensive Income
Net Income	$ 67,800	$ 75,948	$ 74,627
Unrealized appreciation (depreciation) on available-for-sale securities, net of taxes (credit) of $2,198, $(18,106) and $(4,171) for 2023, 2022 and 2021, respectively	6,738	(56,448)	(14,121)
Unrealized loss (gain) on securities transferred to held-to-maturity, net of taxes (credit) of $(45), $29 and $-0- for 2023, 2022 and 2021, respectively	(138)	89
Less: reclassification adjustment for loss included in net income, net of taxes (credit) of $0, $32 and $0 for 2023, 2022 and 2021, respectively		98
Amortization of realized gain on termination of cash flow hedge, net of taxes (credit) of $(1,855), $(1,852) and $(1,852), for 2023, 2022, and 2021, respectively	(6,267)	(6,271)	(6,271)
Change in value of active cash flow hedges, net of taxes (credit) of $3,441, $(7,695) and $0 for 2023, 2022 and 2021, respectively	10,541	(23,582)
Other comprehensive income (loss)	10,874	(86,114)	(20,392)
Comprehensive Income (Loss)	$ 78,674	$ (10,166)	$ 54,235

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive Income (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Consolidated Statements of Comprehensive Income
Unrealized appreciation (depreciation) on available-for-sale securities, net of taxes (credit)	$ 2,199	$ (18,106)	$ (4,171)
Unrealized loss (gain) on securities transferred to held-to-maturity, net of taxes (credit)	(45)	29	0
Reclassification adjustment for loss included in net income, net of taxes (credit)	0	32	0
Amortization of realized gain on termination of cash flow hedge, net of taxes (credit)	(1,855)	(1,852)	(1,852)
Change in value of active cash flow hedges, net of taxes (credit)	$ 3,441	$ (7,695)	$ 0

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity - USD ($) $ in Thousands		Common Stock	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Treasury Stock	Total
Balance at beginning of period at Dec. 31, 2020		$ 138	$ 35,004	$ 541,448	$ 53,151		$ 629,741
Net income				74,627			74,627
Stock issued under Stock Option Plan			3,310			$ 1,615	4,925
Common cash dividends declared	[1]			(18,851)			(18,851)
Purchase of the Company's common stock						(39,123)	(39,123)
Other comprehensive income (loss)					(20,392)		(20,392)
Reclassification of treasury stock per Maryland law		(7)		(37,501)		37,508
Balance at ending of period (CECL adoption) at Dec. 31, 2021				(14,175)			(14,175)
Balance at ending of period at Dec. 31, 2021		131	38,314	545,548	32,759		616,752
Net income				75,948			75,948
Stock issued under Stock Option Plan			4,131			3,564	7,695
Common cash dividends declared	[2]			(19,347)			(19,347)
Purchase of the Company's common stock						(61,847)	(61,847)
Other comprehensive income (loss)					(86,114)		(86,114)
Reclassification of treasury stock per Maryland law		(9)		(58,274)		58,283
Balance at ending of period at Dec. 31, 2022		122	42,445	543,875	(53,355)		533,087
Net income				67,800			67,800
Stock issued under Stock Option Plan			1,875			630	2,505
Common cash dividends declared	[3]			(19,111)			(19,111)
Purchase of the Company's common stock						(23,326)	(23,326)
Other comprehensive income (loss)					10,874		10,874
Reclassification of treasury stock per Maryland law		(4)		(22,692)		$ 22,696
Balance at ending of period at Dec. 31, 2023		$ 118	$ 44,320	$ 569,872	$ (42,481)		$ 571,829

[1]$1.40 per share total dividends.[2]$1.56 per share total dividends.[3]$1.60 per share total dividends.

Consolidated Statements of St_2

Consolidated Statements of Stockholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Consolidated Statements of Stockholders' Equity
Per share total dividends	$ 1.60	$ 1.56	$ 1.40

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Operating Activities
Net income	$ 67,800	$ 75,948	$ 74,627
Proceeds from sales of loans held for sale	157,213	103,347	351,391
Originations of loans held for sale	(155,995)	(95,007)	(332,289)
Items not requiring (providing) cash
Depreciation	8,723	8,498	9,555
Amortization	589	1,179	1,583
Compensation expense for stock option grants	1,621	1,437	1,225
Provision (credit) for credit losses	2,250	3,000	(6,700)
Provision (credit) for unfunded commitments	(5,329)	3,187	939
Net gain on loan sales	(2,354)	(2,584)	(9,463)
Net realized (gain) loss on available-for-sale securities	0	130	0
Loss (gain) on sale of premises and equipment	26	(1,023)	(1)
Loss (gain) on sale/write-down of other real estate and repossessions	39	(126)	(71)
Accretion of deferred income, premiums, discounts and other	(13,774)	(15,842)	(18,385)
Loss (gain) on derivative interest rate products	337	(321)	(312)
Deferred income taxes	2,985	2,485	3,712
Changes in
Interest receivable	(2,099)	(8,402)	2,088
Prepaid expenses and other assets	(4,543)	2,141	20,146
Accrued expenses and other liabilities	23,470	5,637	(2,495)
Income taxes refundable/payable	(259)	1,162	(1,808)
Net cash provided by operating activities	80,700	84,846	93,742
Investing Activities
Net change in loans	(79,096)	(134,344)	448,599
Purchase of loans	(400)	(361,817)	(152,797)
Purchase of premises and equipment	(7,300)	(20,110)	(5,739)
Proceeds from sale of premises and equipment	254	3,980	586
Proceeds from sale of other real estate and repossessions	313	2,351	2,230
Proceeds from sale of available-for-sale securities	0	18,375	0
Proceeds from repayments of held-to-maturity securities	7,228	23,821	0
Proceeds from maturities, calls and repayments of available-for-sale securities	26,888	51,348	72,149
Purchase of available-for-sale securities	(5,436)	(360,725)	(177,466)
Investment in tax credit partnerships	(35,160)	(18,266)	(8,766)
Redemption (purchase) of Federal Home Loan Bank stock and other interest-earning assets	4,501	(24,159)	3,151
Net cash provided by (used in) investing activities	(88,208)	(819,546)	181,947
Financing Activities
Net increase (decrease) in certificates of deposit	26,806	321,718	(429,723)
Net increase (decrease) in checking and savings accounts	9,856	(188,909)	464,921
Net increase (decrease) in shortterm borrowings and other interest-bearing liabilities	57,027	127,471	(26,737)
Advances from (to) borrowers for taxes and insurance	(1,644)	443	(1,389)
Redemption of subordinated notes	0	0	(75,000)
Purchase of the company's common stock	(23,326)	(61,847)	(39,123)
Dividends paid	(19,282)	(19,181)	(18,800)
Stock options exercised	884	6,258	3,700
Net cash provided by (used in) financing activities	50,321	185,953	(122,151)
Increase (Decrease) in Cash and Cash Equivalents	42,813	(548,747)	153,538
Cash and Cash Equivalents, Beginning of Year	168,520	717,267	563,729
Cash and Cash Equivalents, End of Year	$ 211,333	$ 168,520	$ 717,267

Nature of Operations and Summar

Nature of Operations and Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2023
Nature of Operations and Summary of Significant Accounting Policies
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; Charlotte, North Carolina; Chicago; Dallas; Denver; Omaha, Nebraska; Phoenix; and Tulsa, Oklahoma. 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 credit losses and the valuation of real estate acquired in connection with foreclosures or in satisfaction of loans and fair values of financial instruments. In connection with the determination of the allowance for credit 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. The Company evaluates all securities quarterly to determine if any securities in a loss position require a provision for credit losses in accordance with ASC 326, Measurement of Credit Losses on Financial Instruments 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 credit 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 Credit Losses The allowance for credit losses is measured using an average historical loss model that incorporates relevant information about past events (including historical credit loss experience on loans with similar risk characteristics), current conditions, and reasonable and supportable forecasts that affect the collectability of the remaining cash flows over the contractual term of the loans. The allowance for credit losses is measured on a collective (pool) basis. Loans are aggregated into pools based on similar risk characteristics, including borrower type, collateral and repayment types and expected credit loss patterns. Loans that do not share similar risk characteristics, primarily classified loans with a balance greater than or equal to $100,000, are evaluated on an individual basis. For loans evaluated for credit losses on a collective basis, average historical loss rates are calculated for each pool using the Company’s historical net charge-offs (combined charge-offs and recoveries by observable historical reporting period) and outstanding loan balances during a lookback period. Lookback periods can be different based on the individual pool and represent management’s credit expectations for the pool of loans over the remaining contractual life. In certain loan pools, if the Company’s own historical loss rate is not reflective of the loss expectations, the historical loss rate is augmented by industry and peer data. The calculated average net charge-off rate is then adjusted for current conditions and reasonable and supportable forecasts. These adjustments increase or decrease the average historical loss rate to reflect expectations of future losses given economic forecasts of key macroeconomic variables including, but not limited to, unemployment rate, gross domestic product (“GDP”), commercial real estate price index, consumer sentiment and construction spending. The adjustments are based on results from various regression models projecting the impact of the macroeconomic variables to loss rates. The forecast is used for a reasonable and supportable period before reverting to historical averages. The forecast-adjusted loss rate is applied to the principal balance over the remaining contractual lives, adjusted for expected prepayments. The contractual term excludes expected extensions, renewals and modifications. Additionally, the allowance for credit losses considers other qualitative factors not included in historical loss rates or macroeconomic forecasts such as changes in portfolio composition, underwriting practices, or significant unique events or conditions. In addition, ASU 2016-13 requires an allowance for off balance sheet credit exposures: unfunded lines of credit, undisbursed portions of loans, written residential and commercial commitments, and letters of credit. To determine the amount needed for allowance purposes, a utilization rate is determined either by the model or internally for each pool. Our loss model calculates the reserve on unfunded commitments based upon the utilization rate multiplied by the average loss rate factors in each pool with unfunded and committed balances. The liability for unfunded lending commitments utilizes the same model as the allowance for credit losses on loans; however, the liability for unfunded lending commitments incorporates assumptions for the portion of unfunded commitments that are expected to be funded. 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 were not considered to be purchased credit-impaired loans, the Company evaluated 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 evaluated 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. Prior to the adoption of ASU 2016-13, the expected cash flows of the acquired loan pools in excess of the fair values recorded, referred to as the accretable yield, was 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 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 credit losses. 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 activities, 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 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. The calculated amounts of the right of use assets and lease liabilities 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 for an extended term in the calculation of the right of use asset and lease liability. 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 Company uses 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 is the FHLBank borrowing rate for the term corresponding to the expected term of the lease. 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 material asset impairment was recognized during the years ended December 31, 2023, 2022 and 2021. Goodwill and Intangible Assets Goodwill is evaluated annually for impairment or more frequently if impairment indicators are present. The annual, or interim, goodwill impairment test is performed by comparing the fair value of a reporting unit with its carrying amount and an impairment charge is recognized for the amount by which the carrying amount exceeds the reporting unit’s fair value. The Company still may perform a qualitative assessment for a reporting unit to determine if the quantitative impairment test is necessary. Deposit intangible assets are amortized on the straight-line basis generally over a period of seven years. Arena naming rights intangible assets are being amortized on the straight-line basis generally over a period of fifteen 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, 2023 2022 (In Thousands) Goodwill – Branch acquisitions $ 5,396 $ 5,396 Deposit intangibles Fifth Third Bank (January 2016) — 53 Arena Naming Rights (April 2022) 5,131 5,364 5,131 5,417 $ 10,527 $ 10,813 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 year. Earnings per common share (EPS) were computed as follows: 2023 2022 2021 (In Thousands, Except Per Share Data) Net income and net income available to common shareholders $ 67,800 $ 75,948 $ 74,627 Average common shares outstanding 11,992 12,516 13,558 Average common share stock options outstanding 88 91 116 Average diluted common shares 12,080 12,607 13,674 Earnings per common share – basic $ 5.65 $ 6.07 $ 5.50 Earnings per common share – diluted $ 5.61 $ 6.02 $ 5.46 Options outstanding at December 31, 2023, 2022 and 2021, to purchase 749,833, 559,484 and 383,338 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, 2023, 2022 and 2021, respectively. Stock Compensation Plans The Company has stock-based employee compensation plans, which are described more fully in Note 20 Compensation – Stock Compensation Cash Equivalents The Company considers all liquid investments with original maturities of three months or less to be cash equivalents. At December 31, 2023 and 2022, cash equivalents consisted of interest-bearing deposits in other financial institutions. At December 31, 2023, nearly all of the interest-bearing deposits were uninsured and 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, 2023 and 2022, 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 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 and apply hedge accounting and whether the hedging relationship has satisfied the criteria necessary to apply hedge accounting. Recent Accounting Pronouncements In March 2020, the FASB issued ASU 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting In January 2021, the FASB issued ASU 2021-01, Reference Rate Reform (Topic 848): Scope In March 2022, the FASB issued ASU 2022-01, Derivatives and Hedging (Topic 815): Fair Value Hedging – Portfolio Layer Method In March 2022, the FASB issued ASU 2022-02, Financial Instruments – Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures In December 2022, the FASB issued ASU 2022-06, Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848 In March 2023, the FASB issued ASU 2023-02, Investments – Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method In November 2023, the FASB issued ASU No. 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures. In December 2023, the FASB issued ASU No. 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures. Correction of an Immaterial Error in Prior Period Financial Statements Certain prior period amounts in the Consolidated Statements of Cash Flows have been corrected as discussed below. No other financial statements or notes thereto were impacted by these corrections. The Company has corrected its 2022 and 2021 Consolidated Statements of Cash Flows presentation within this Annual Report on Form 10-K for an error in classification within the operating activities section of the statements of cash flows regarding amortization of terminated hedging transactions and for an error in classification regarding investments in tax credit partnerships between the operating activities and investing activities sections of the statements of cash flows. For the item related to the terminated hedging transactions, the Company is now including the amortization from accumulated other comprehensive income and related deferred taxes recognized in interest income as an item not providing cash in accretion of deferred income, premiums, discounts and other. This was previously included in net changes in prepaid expenses and other assets. For the item related to investments in tax credit partnerships, the Company is now including the amounts invested as an item using cash in the investing activities section. This was previously included in net changes in prepaid expenses and other assets in the operating activities section. The Company assessed the materiality of this change in presentation on prior period consolidated financial statements in accordance with SEC Staff Accounting Bulletin No. 99, “Materiality,” (ASC Topic 250, Accounting Changes and Error Corrections A summary of corrections reflecting the prior period impacts to the Company’s Consolidated Statements of Cash Flows are shown below (in thousands of dollars): For the Year Ended December 31, 2022 As Previously Presented Net Change As Corrected Operating Activities Accretion of deferred income, premiums, discounts and other $ (7,719) $ (8,123) $ (15,842) Prepaid expenses and other assets (24,248) 26,389 2,141 Net cash provided by operating activities 66,580 18,266 84,846 Investing Activities Investment in tax credit partnerships — (18,266) (18,266) Net cash used in investing activities (801,280) (18,266) (819,546) For the Year Ended December 31, 2021 As Previously Presented Net Change As Corrected Operating Activities Accretion of deferred income, premiums, discounts and other $ (10,262) $ (8,123) $ (18,385) Prepaid expenses and other assets 3,257 16,889 20,146 Net cash provided by operating activities 84,976 8,766 93,742 Investing Activities Investment in tax credit partnerships — (8,766) (8,766) Net cash provided by investing activities 190,713 (8,766) 181,947 Reclassifications Prior period consolidated financial statements are reclassified whenever necessary to conform to the current period presentation.

Investments in Securities

Investments in Securities	12 Months Ended
Investments in Securities	Dec. 31, 2023
Investments in Securities
Investments in Securities	Note 2: Investments in Securities Held-to-maturity securities (“HTM”), which include any security for which the Company has both the positive intent and ability to hold until maturity, are carried at historical cost adjusted for amortization of premiums and accretion of discounts. Premiums and discounts are amortized and accreted, respectively, to interest income over the security’s estimated life. Prepayments are anticipated for certain mortgage-backed securities. Premiums on callable securities are amortized to their earliest call date. Available-for-sale securities (“AFS”), 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. Realized gains and losses, based on specifically identified amortized cost of the individual security, are included in non-interest income. Unrealized gains and losses are recorded, net of related income tax effects, in stockholders’ equity. Premiums and discounts are amortized and accreted, respectively, to interest income over the estimated life of the security. Prepayments are anticipated for certain mortgage-backed and Small Business Administration (SBA) securities. Premiums on callable securities are amortized to their earliest call date. During the three months ended March 31, 2022, the Company transferred, at fair value, $226.5 million of securities from the available-for-sale portfolio to the held-to-maturity portfolio. The related net unrealized gross gains were $1.0 million; $775,000 (net of income taxes) remained in accumulated other comprehensive income are being amortized over the remaining life of the securities. No gains or losses on these securities were recognized at the time of transfer. As of December 31, 2023, the net unrealized gross losses remaining were $65,000; net of income taxes, these unrealized losses were $49,000. The amortized cost and fair values of securities were as follows: December 31, 2023 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) AVAILABLE-FOR-SALE SECURITIES: Agency mortgage-backed securities $ 316,114 $ 7 $ 35,890 $ 280,231 Agency collateralized mortgage obligations 85,989 — 10,043 75,946 States and political subdivisions securities 59,141 527 1,531 58,137 Small Business Administration securities 70,648 — 6,755 63,893 $ 531,892 $ 534 $ 54,219 $ 478,207 December 31, 2023 Amortized Gross Gross Amortized Fair Value Carrying Unrealized Unrealized Fair Cost Adjustment Value Gains Losses Value (In Thousands) HELD-TO-MATURITY SECURITIES: Agency mortgage-backed securities $ 72,495 $ 2,436 $ 74,931 $ — $ 8,686 $ 66,245 Agency collateralized mortgage obligations 116,405 (2,502) 113,903 — 14,662 99,241 States and political subdivisions 6,188 1 6,189 — 482 5,707 $ 195,088 $ (65) $ 195,023 $ — $ 23,830 $ 171,193 December 31, 2022 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) AVAILABLE-FOR-SALE SECURITIES: Agency mortgage-backed securities $ 327,266 $ — $ 40,784 $ 286,482 Agency collateralized mortgage obligations 90,205 — 11,731 78,474 States and political subdivisions securities 60,667 119 3,291 57,495 Small Business Administration securities 75,076 — 6,935 68,141 $ 553,214 $ 119 $ 62,741 $ 490,592 December 31, 2022 Amortized Gross Gross Amortized Fair Value Carrying Unrealized Unrealized Fair Cost Adjustment Value Gains Losses Value (In Thousands) HELD-TO-MATURITY SECURITIES: Agency mortgage-backed securities $ 73,891 $ 3,015 $ 76,906 $ — $ 9,820 $ 67,086 Agency collateralized mortgage obligations 122,247 (2,885) 119,362 — 14,129 105,233 States and political subdivisions 6,239 (12) 6,227 — 781 5,446 $ 202,377 $ 118 $ 202,495 $ — $ 24,730 $ 177,765 At December 31, 2023, the Company’s available-for-sale agency mortgage-backed securities portfolio consisted of FNMA securities totaling $190.9 million, FHLMC securities totaling $86.4 million and GNMA securities totaling $2.9 million. At December 31, 2022, available-for-sale agency mortgage-backed securities portfolio consisted of FNMA securities totaling $196.4 million, FHLMC securities totaling $90.1 million and GNMA securities totaling $78.5 million. At December 31, 2023 and 2022, all of the Company’s agency mortgage-backed securities totaled $280.2 million and $286.5 million, respectively, and had fixed rates of interest. At December 31, 2023, the Company’s available-for-sale agency collateralized mortgage-backed securities portfolio consisted of FNMA securities totaling $4.1 million, FHLMC securities totaling $66.5 million and GNMA securities totaling $5.3 million. At December 31, 2022, available-for-sale agency collateralized mortgage-backed securities portfolio consisted of FNMA securities totaling $3.9 million, FHLMC securities totaling $67.8 million and GNMA securities totaling $6.7 million. At December 31, 2023 and 2022, all of the Company’s agency collateralized mortgage-backed securities totaled $75.9 $78.4 The amortized cost and fair value of available-for-sale and held-to-maturity securities at December 31, 2023, 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. Available-for-Sale Held-to-Maturity Amortized Fair Amortized Fair Cost Value Carrying Value Value (In Thousands) One year or less $ — $ — $ — $ — After one through two years — — — — After two through three years — — — — After three through four years 245 245 — — After four through five years 952 981 — — After five through fifteen years 9,682 9,634 3,247 2,986 After fifteen years 48,262 47,277 2,942 2,721 Securities not due on a single maturity date 472,751 420,070 188,834 165,486 $ 531,892 $ 478,207 $ 195,023 $ 171,193 The amortized cost and fair values of securities pledged as collateral were as follows at December 31, 2023 and 2022: 2023 2022 Amortized Fair Amortized Fair Cost Value Cost Value (In Thousands) Public deposits $ 17,412 $ 15,225 $ 15,402 $ 13,489 Collateralized borrowing accounts 123,220 109,660 210,330 186,170 Other 3,815 3,507 4,018 3,764 $ 144,447 $ 128,392 $ 229,750 $ 203,423 Available-for-sale investments in debt securities are reported in the financial statements at their fair value, which was $478.2 million and $490.6 million at December 31, 2023 and 2022, respectively. Total fair value of these investments for which the amortized cost exceeded the fair value at December 31, 2023 and 2022, was $456.9 million and $472.0 million, respectively, which is approximately 95.5% and 96.2%, respectively, of the Company’s available-for-sale investment portfolio. A high percentage of the unrealized losses were related to the Company’s mortgage-backed securities, collateralized mortgage obligations and Small Business Administration (SBA) securities, which are issued and guaranteed by U.S. government-sponsored entities and agencies. The Company’s state and political subdivisions securities are investments in insured fixed rate municipal bonds for which the issuers continue to make timely principal and interest payments under the contractual terms of the securities. Held-to-maturity investments in debt securities are reported in the financial statements at their amortized cost, which was $195.0 million and $202.5 million at December 31, 2023 and 2022, respectively. Total fair value of these investments at December 31, 2023 and 2022 was approximately $171.2 million and $177.8 million, respectively. Total fair value of these investments for which the amortized cost exceeded the fair value at December 31, 2023 and 2022, was $171.2 million and $177.8 million, which is 100.0% of the Company’s held-to-maturity investment portfolio. Held -to-maturity investment securities are evaluated for potential losses under ASU 2016-13. 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 available-for-sale debt securities are not credit related. 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, 2023 and 2022: 2023 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) AVAILABLE-FOR-SALE SECURITIES: Agency mortgage-backed securities $ 4,318 $ (9) $ 274,801 $ (35,881) $ 279,119 $ (35,890) Agency collateralized mortgage obligations 9,080 (216) 66,866 (9,827) 75,946 (10,043) Small Business Administration securities 7,782 (133) 56,111 (6,622) 63,893 (6,755) States and political subdivisions securities — — 37,969 (1,531) 37,969 (1,531) $ 21,180 $ (358) $ 435,747 $ (53,861) $ 456,927 $ (54,219) HELD-TO-MATURITY SECURITIES: Agency mortgage-backed securities $ — $ — $ 66,245 $ (8,686) $ 66,245 $ (8,686) Agency collateralized mortgage obligations — — 99,241 (14,662) 99,241 (14,662) States and political subdivisions securities — — 5,707 (482) 5,707 (482) $ — $ — $ 171,193 $ (23,830) $ 171,193 $ (23,830) 2022 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) AVAILABLE-FOR-SALE SECURITIES: Agency mortgage-backed securities $ 221,562 $ (27,597) $ 64,918 $ (13,187) $ 286,480 $ (40,784) Agency collateralized mortgage obligations 28,537 (3,262) 40,642 (8,469) 69,179 (11,731) Small Business Administration securities 60,473 (5,224) 7,667 (1,711) 68,140 (6,935) States and political subdivisions securities 44,455 (2,913) 3,753 (378) 48,208 (3,291) $ 355,027 $ (38,996) $ 116,980 $ (23,745) $ 472,007 $ (62,741) HELD-TO-MATURITY SECURITIES: Agency mortgage-backed securities $ 59,218 $ (7,766) $ 7,868 $ (2,054) $ 67,086 $ (9,820) Agency collateralized mortgage obligations 61,055 (6,411) 44,178 (7,718) 105,233 (14,129) States and political subdivisions securities 900 (101) 4,546 (680) 5,446 (781) $ 121,173 $ (14,278) $ 56,592 $ (10,452) $ 177,765 $ (24,730) Allowance for Credit Losses Measurement of Credit Losses on Financial Instruments Regarding securities issued by state and political subdivisions, management considers the following when evaluating these securities: (i) current issuer bond ratings, (ii) historical loss rates for given bond ratings, (iii) whether issuers continue to make timely principal and interest payments under the contractual terms of the securities, (iv) updated financial information of the issuer, (v) internal forecasts and (vi) whether such securities provide insurance or other credit enhancement or are pre-refunded by the issuers. These securities are highly rated by major rating agencies and have a long history of no credit losses. Likewise, the Company has not experienced historical losses on these types of securities. Accordingly, no allowance for credit losses has been recorded for these securities.

Loans and Allowance for Credit

Loans and Allowance for Credit Losses	12 Months Ended
Loans and Allowance for Credit Losses	Dec. 31, 2023
Loans and Allowance for Credit Losses
Loans and Allowance for Credit Losses	Note 3: Loans and Allowance for Credit Losses The Company adopted ASU 2016-13, Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments Classes of loans at December 31, 2023 and 2022, included: December 31, December 31, 2023 2022 (In Thousands) One- to four-family residential construction $ 29,628 $ 33,849 Subdivision construction 23,359 32,067 Land development 48,015 41,613 Commercial construction 703,407 757,690 Owner occupied one- to four-family residential 769,260 778,533 Non-owner occupied one- to four-family residential 121,275 124,870 Commercial real estate 1,521,032 1,530,663 Other residential 942,071 781,761 Commercial business 318,050 293,228 Industrial revenue bonds 12,047 12,852 Consumer auto 28,343 37,281 Consumer other 28,978 33,732 Home equity lines of credit 115,883 123,242 4,661,348 4,581,381 Allowance for credit losses (64,670) (63,480) Deferred loan fees and gains, net (7,058) (11,065) $ 4,589,620 $ 4,506,836 Classes of loans by aging were as follows as of the dates indicated: December 31, 2023 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 $ — $ — $ — $ — $ 29,628 $ 29,628 $ — Subdivision construction — — — — 23,359 23,359 — Land development — — 384 384 47,631 48,015 — Commercial construction — — — — 703,407 703,407 — Owner occupied one- to four- family residential 2,778 125 722 3,625 765,635 769,260 — Non-owner occupied one- to four-family residential — — — — 121,275 121,275 — Commercial real estate 187 92 10,552 10,831 1,510,201 1,521,032 — Other residential 9,572 — — 9,572 932,499 942,071 — Commercial business — — 31 31 318,019 318,050 — Industrial revenue bonds — — — — 12,047 12,047 — Consumer auto 116 65 8 189 28,154 28,343 — Consumer other 137 — 42 179 28,799 28,978 — Home equity lines of credit 335 26 9 370 115,513 115,883 — Total $ 13,125 $ 308 $ 11,748 $ 25,181 $ 4,636,167 $ 4,661,348 $ — December 31, 2022 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 $ — $ — $ — $ — $ 33,849 $ 33,849 $ — Subdivision construction — — — — 32,067 32,067 — Land development — — 384 384 41,229 41,613 — Commercial construction — — — — 757,690 757,690 — Owner occupied one- to four- family residential 2,568 462 722 3,752 774,781 778,533 — Non-owner occupied one- to four-family residential — 63 — 63 124,807 124,870 — Commercial real estate 196 — 1,579 1,775 1,528,888 1,530,663 — Other residential — — — — 781,761 781,761 — Commercial business 8 — 586 594 292,634 293,228 — Industrial revenue bonds — — — — 12,852 12,852 — Consumer auto 100 34 14 148 37,133 37,281 — Consumer other 288 114 111 513 33,219 33,732 — Home equity lines of credit 234 38 274 546 122,696 123,242 — Total $ 3,394 $ 711 $ 3,670 $ 7,775 $ 4,573,606 $ 4,581,381 $ — 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. Non-accruing loans are summarized as follows: December 31, December 31, 2023 2022 (In Thousands) One- to four-family residential construction $ — $ — Subdivision construction — — Land development 384 384 Commercial construction — — Owner occupied one- to four-family residential 722 722 Non-owner occupied one- to four-family residential — — Commercial real estate 10,552 1,579 Other residential — — Commercial business 31 586 Industrial revenue bonds — — Consumer auto 8 14 Consumer other 42 111 Home equity lines of credit 9 274 Total non-accruing loans $ 11,748 $ 3,670 No interest income was recorded on these loans for the years ended December 31, 2023 and 2022, respectively. Nonaccrual loans for which there is no related allowance for credit losses as of December 31, 2023 had an amortized cost of $792,000. These loans are individually assessed and do not require an allowance due to being adequately collateralized under the collateral-dependent valuation method. A collateral-dependent loan is a financial asset for which the repayment is expected to be provided substantially through the operation or sale of the collateral when the borrower is experiencing financial difficulty based on the Company’s assessment as of the reporting date. Collateral-dependent loans are identified primarily by a classified risk rating with a loan balance equal to or greater than $100,000, including, but not limited to, any loan in process of foreclosure or repossession. The following table presents the activity in the allowance for credit losses by portfolio segment for the years ended December 31, 2023, 2022 and 2021. On January 1, 2021, the Company adopted the CECL methodology, which added $11.6 million to the total Allowance for Credit Loss, including $1.9 million of remaining discount on loans that were previously accounted for as PCI. One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for credit losses Balance, January 1, 2023 $ 11,171 $ 12,110 $ 27,096 $ 2,865 $ 5,822 $ 4,416 $ 63,480 Provision (credit) charged to expense (1,390) 1,260 930 (27) 1,909 (432) 2,250 Losses charged off (31) — — — (1,037) (1,754) (2,822) Recoveries 70 — 145 6 241 1,300 1,762 Balance, December 31, 2023 $ 9,820 $ 13,370 $ 28,171 $ 2,844 $ 6,935 $ 3,530 $ 64,670 Allowance for credit losses Balance, December 31, 2021 $ 9,364 $ 10,502 $ 28,604 $ 2,797 $ 4,142 $ 5,345 $ 60,754 Provision (credit) charged to expense 1,652 1,498 (1,465) 152 1,491 (328) 3,000 Losses charged off (40) — (44) (84) (51) (1,950) (2,169) Recoveries 195 110 1 — 240 1,349 1,895 Balance, December 31, 2022 $ 11,171 $ 12,110 $ 27,096 $ 2,865 $ 5,822 $ 4,416 $ 63,480 Allowance for credit losses Balance, December 31, 2020 $ 4,536 $ 9,375 $ 33,707 $ 3,521 $ 2,390 $ 2,214 $ 55,743 CECL adoption 4,533 5,832 (2,531) (1,165) 1,499 3,427 11,595 Balance, January 1, 2021 9,069 15,207 31,176 2,356 3,889 5,641 67,338 Provision (credit) charged to expense — (4,797) (2,478) 575 — — (6,700) Losses charged off (190) — (142) (154) (81) (2,054) (2,621) Recoveries 485 92 48 20 334 1,758 2,737 Balance, December 31, 2021 $ 9,364 $ 10,502 $ 28,604 $ 2,797 $ 4,142 $ 5,345 $ 60,754 The following table presents the activity in the allowance for unfunded commitments by portfolio segment for the years ended December 31, 2023, 2022 and 2021. On January 1, 2021, the Company adopted the CECL methodology, which created an $8.7 million allowance for unfunded commitments. One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for unfunded commitments Balance, January 1, 2023 $ 736 $ 8,624 $ 416 $ 802 $ 1,734 $ 504 $ 12,816 Provision (credit) charged to expense (30) (4,618) 203 (61) (775) (48) (5,329) Balance, December 31, 2023 $ 706 $ 4,006 $ 619 $ 741 $ 959 $ 456 $ 7,487 Allowance for unfunded commitments Balance, December 31, 2021 $ 687 $ 5,703 $ 367 $ 908 $ 1,582 $ 382 $ 9,629 Provision (credit) charged to expense 49 2,921 49 (106) 152 122 3,187 Balance, December 31, 2022 $ 736 $ 8,624 $ 416 $ 802 $ 1,734 $ 504 $ 12,816 Allowance for unfunded commitments Balance, December 31, 2020 $ — $ — $ — $ — $ — $ — $ — CECL adoption 917 5,227 354 910 935 347 8,690 Balance, January 1, 2021 917 5,227 354 910 935 347 8,690 Provision (credit) charged to expense (230) 476 13 (2) 647 35 939 Balance, December 31, 2021 $ 687 $ 5,703 $ 367 $ 908 $ 1,582 $ 382 $ 9,629 The portfolio segments used in the preceding tables correspond to the loan classes used in all other tables in Note 3 ● The one- to four-family residential and construction segment includes the one- to four-family residential construction, subdivision construction, owner occupied one- to four-family residential and non-owner occupied one- to four-family residential classes. ● The other residential (multi-family) segment corresponds to the other residential (multi-family) class. ● The commercial real estate segment includes the commercial real estate and industrial revenue bonds classes. ● The commercial construction segment includes the land development and commercial construction classes. ● The commercial business segment corresponds to the commercial business class. ● The consumer segment includes the consumer auto, consumer other and home equity lines of credit classes. The weighted average interest rate on loans receivable at December 31, 2023 and 2022, was 6.25% and 5.54%, 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, 2023, was The following tables present the amortized cost basis of collateral-dependent loans by class of loans at the dates indicated: December 31, 2023 Principal Specific Balance Allowance (In Thousands) One- to four-family residential construction $ — $ — Subdivision construction — — Land development 384 — Commercial construction — — Owner occupied one- to four-family residential 691 29 Non-owner occupied one- to four-family residential — — Commercial real estate 10,548 1,200 Other residential 7,162 — Commercial business — — Industrial revenue bonds — — Consumer auto — — Consumer other — — Home equity lines of credit — — Total $ 18,785 $ 1,229 December 31, 2022 Principal Specific Balance Allowance (In Thousands) One- to four-family residential construction $ — $ — Subdivision construction — — Land development 384 — Commercial construction — — Owner occupied one- to four-family residential 1,637 40 Non-owner occupied one- to four-family residential — — Commercial real estate 1,571 — Other residential — — Commercial business 586 125 Industrial revenue bonds — — Consumer auto — — Consumer other 160 80 Home equity lines of credit 135 — Total $ 4,473 $ 245 For loans that were non-accruing, interest of approximately $509,000, $292,000 and $432,000 would have been recognized on an accrual basis during the years ended December 31, 2023, 2022 and 2021, respectively. Modified Loans. Note 1 Financial Instruments – Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures Adoption of this ASU did not have a material impact on the Company’s results of operations, financial position or liquidity, but resulted in additional disclosure requirements related to gross charge offs by vintage year and the removal of TDR disclosures, replaced by additional disclosures on the types of modifications of loans to borrowers experiencing financial difficulties. The Company has adopted this update prospectively. Under ASU 2022-02, loan modifications are reported if concessions have been granted to borrowers that are experiencing financial difficulty. Information on these loan modifications originated after the effective date is presented according to the new accounting guidance. Reporting periods prior to the adoption of ASU 2022-02 present information on TDRs under the previous disclosure requirements. The estimate of lifetime expected losses utilized in the allowance for credit losses model is developed using average historical loss on loans with similar risk characteristics, which includes losses from modifications of loans to borrowers experiencing financial difficulty. As a result, a change to the allowance for credit losses is generally not recorded upon modification. For modifications to loans made to borrowers experiencing financial difficulty that are adversely classified, the Company determines the allowance for credit losses on an individual basis, using the same process that it utilizes for other adversely classified loans. If collection efforts have begun and the modified loan is subsequently deemed collateral-dependent, the loan is placed on non-accrual status and the allowance for credit losses is determined based on an individual evaluation. If necessary, the loan is charged down to fair market value less estimated sales costs. The following table shows the composition of loan modifications made to borrowers experiencing financial difficulty by the loan portfolio and type of concessions granted during the year ended December 31, 2023. Each of the types of concessions granted comprised 2% or less of their respective classes of loan portfolios at December 31, 2023. During the year ended December 31, 2023, principal forgiveness of $563,000 was completed on commercial business loans and consumer loans Year Ended December 31, 2023 Interest Rate Term Total Reduction Extension Combination Modifications (In Thousands) Construction and land development $ — $ — $ 1,553 $ 1,553 One- to four-family residential — — — — Other residential — 2,750 — 2,750 Commercial real estate — 77 20,365 20,442 Commercial business — — — — Consumer 5 7 — 12 $ 5 $ 2,834 $ 21,918 $ 24,757 The Company closely monitors the performance of loans to borrowers experiencing financial difficulty that are modified to understand the effectiveness of its modification efforts. The following table depicts the performance (under modified terms) at December 31, 2023 of loans that were modified during the year ended December 31, 2023: December 31, 2023 30-89 Days Over 90 Days Current Past Due Past Due Total (In Thousands) Construction and land development $ 1,553 $ — $ — $ 1,553 One- to four-family residential — — — — Other residential 2,750 — — 2,750 Commercial real estate 12,384 — 8,058 20,442 Commercial business — — — — Consumer 12 — — 12 $ 16,699 $ — $ 8,058 $ 24,757 TDRs by class are presented below as of December 31, 2022. December 31, 2022 Accruing TDR Loans Non-accruing TDR Loans Total TDR Loans Number Balance Number Balance Number Balance (In Thousands) Construction and land development — $ — — $ — — $ — One- to four-family residential 13 1,028 3 98 16 1,126 Other residential — — — — — — Commercial real estate — — 2 1,571 2 1,571 Commercial business — — — — — — Consumer 13 210 5 42 18 252 26 $ 1,238 10 $ 1,711 36 $ 2,949 The following tables present newly restructured loans during the years ended December 31, 2022 and 2021 by type of modification: 2022 Total Interest Only Term Combination Modification (In Thousands) Residential one-to-four family $ — $ — $ 32 $ 32 Commercial real estate — — 247 247 Commercial business — — — — Consumer — 4 3 7 $ — $ 4 $ 282 $ 286 2021 Total Interest Only Term Combination Modification (In Thousands) Residential one-to-four family $ 31 $ 202 $ 134 $ 367 Commercial real estate 1,768 — — 1,768 Commercial business — — — — Consumer — 259 11 270 $ 1,799 $ 461 $ 145 $ 2,405 At December 31, 2022, of the $2.9 million in TDRs, $1.7 million were classified as substandard using the Company’s internal grading system. The Company had no TDRs that were modified in the previous 12 months and subsequently defaulted during the year ended December 31, 2022. Loan Risk Ratings Satisfactory loans range from Excellent to Moderate Risk, but generally are loans supported by strong recent financial statements. The character and capacity of the borrower are strong, including reasonable project performance, good industry experience, liquidity and/or net worth. The probability of financial deterioration seems unlikely. Repayment is expected from approved sources over a reasonable period of time. Watch loans are identified when the borrower has capacity to perform according to terms; however, elements of uncertainty exist. Margins of debt service coverage may be narrow, historical patterns of financial performance may be erratic, collateral margins may be diminished and the borrower may be a new and/or thinly capitalized company. Some management weakness may also exist, the borrower may have somewhat limited access to other financial institutions, and that access may diminish in difficult economic times. Special Mention loans have weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of repayment prospects or the Bank’s credit position at some future date. It is a transitional grade that is closely monitored for improvement or deterioration. The Substandard rating is applied to loans where the borrower exhibits well-defined weaknesses that jeopardize its continued performance and are of a severity that the distinct possibility of default exists. Loans are placed on “non-accrual” when management does not expect to collect payments consistent with acceptable and agreed upon terms of repayment. Doubtful loans have all the weaknesses inherent to those classified Substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, highly questionable and improbable. The Loss category is used when loans are considered uncollectable and no longer included as an asset. All loans are analyzed for risk rating updates regularly. For larger loans, rating assessments may be more frequent if relevant information is obtained earlier through debt covenant monitoring or overall relationship management. Smaller loans are monitored as identified by the loan officer based on the risk profile of the individual borrower or if the loan becomes past due related to credit issues. Loans rated Watch, Special Mention, Substandard or Doubtful are subject to quarterly review and monitoring processes. In addition to the regular monitoring performed by the lending personnel and credit committees, loans are subject to review by the credit review department, which verifies the appropriateness of the risk ratings for the loans chosen as part of its risk-based review plan. The following tables present a summary of loans by category and risk rating separated by origination and loan class as of December 31, 2023 and 2022. Term Loans by Origination Year Revolving 2023 2022 2021 2020 2019 Prior Loans Total (In Thousands) One- to four-family residential construction Satisfactory (1-4) $ 12,528 $ 9,878 $ 41 $ — $ — $ — $ 7,181 $ 29,628 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — — — Total 12,528 9,878 41 — — — 7,181 29,628 Current Period Gross Charge Offs — — — — — — — — Subdivision construction Satisfactory (1-4) 532 1,022 21,333 43 64 365 — 23,359 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — — — Total 532 1,022 21,333 43 64 365 — 23,359 Current Period Gross Charge Offs — — — — — — — — Construction and land development Satisfactory (1-4) 14,860 12,564 5,658 3,682 5,458 4,531 878 47,631 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — 384 384 Total 14,860 12,564 5,658 3,682 5,458 4,531 1,262 48,015 Current Period Gross Charge Offs — — — — — — — — Other construction Satisfactory (1-4) 60,895 422,727 203,918 15,867 — — — 703,407 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — — — Total 60,895 422,727 203,918 15,867 — — — 703,407 Current Period Gross Charge Offs — — — — — — — — One- to four-family residential Satisfactory (1-4) 66,733 330,489 203,781 108,232 60,288 118,570 483 888,576 Watch (5) — — — — 171 862 46 1,079 Special Mention (6) — — — — — — — — Classified (7-9) — — 543 148 — 189 — 880 Total 66,733 330,489 204,324 108,380 60,459 119,621 529 890,535 Current Period Gross Charge Offs — — — — — 11 20 31 Other residential Satisfactory (1-4) 18,795 108,389 391,516 180,916 108,173 111,462 3,335 922,586 Watch (5) — — — — — — — — Special Mention (6) — — — — — 12,322 — 12,322 Classified (7-9) — — — — — 7,163 — 7,163 Total 18,795 108,389 391,516 180,916 108,173 130,947 3,335 942,071 Current Period Gross Charge Offs — — — — — — — — Commercial real estate Satisfactory (1-4) 53,158 284,738 237,822 103,393 161,680 624,515 35,276 1,500,582 Watch (5) — — — — 154 5,348 — 5,502 Special Mention (6) — — — — — 4,396 — 4,396 Classified (7-9) — — — — — 10,552 — 10,552 Total 53,158 284,738 237,822 103,393 161,834 644,811 35,276 1,521,032 Current Period Gross Charge Offs — — — — — — — — Commercial business Satisfactory (1-4) 58,551 92,224 30,361 15,371 10,043 55,044 57,177 318,771 Watch (5) — — — — — 1,369 — 1,369 Special Mention (6) — 1,186 3,840 — — — 4,900 9,926 Classified (7-9) — — 4 27 — — — 31 Total 58,551 93,410 34,205 15,398 10,043 56,413 62,077 330,097 Current Period Gross Charge Offs — 7 — — — 1,030 — 1,037 Consumer Satisfactory (1-4) 16,629 12,010 6,163 2,811 828 12,089 122,166 172,696 Watch (5) — 3 21 6 3 201 154 388 Special Mention (6) — — — — — — 8 8 Classified (7-9) — 42 12 — — 49 9 112 Total 16,629 12,055 6,196 2,817 831 12,339 122,337 173,204 Current Period Gross Charge Offs 4 135 24 3 18 1,493 97 1,754 Combined Satisfactory (1-4) 302,681 1,274,041 1,100,593 430,315 346,534 926,576 226,496 4,607,236 Watch (5) — 3 21 6 328 7,780 200 8,338 Special Mention (6) — 1,186 3,840 — — 16,718 4,908 26,652 Classified (7-9) — 42 559 175 — 17,953 393 19,122 Total $ 302,681 $ 1,275,272 $ 1,105,013 $ 430,496 $ 346,862 $ 969,027 $ 231,997 $ 4,661,348 Current Period Gross Charge Offs $ 4 $ 142 $ 24 $ 3 $ 18 $ 2,534 $ 97 $ 2,822 Term Loans by Origination Year Revolving 2022 2021 2020 2019 2018 Prior Loans Total (In Thousands) One- to four-family residential construction Satisfactory (1-4) $ 21,885 $ 7,265 $ 1,391 $ — $ — $ — $ 3,308 $ 33,849 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — — — Total 21,885 7,265 1,391 — — — 3,308 33,849 Current Period Gross Charge Offs — — — — — — — — Subdivision construction Satisfactory (1-4) 4,478 25,864 800 203 134 588 — 32,067 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — — — Total 4,478 25,864 800 203 134 588 — 32,067 Current Period Gross Charge Offs — — — — — — — — Construction and land development Satisfactory (1-4) 16,746 6,914 4,866 7,338 762 3,990 613 41,229 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — 384 384 Total 16,746 6,914 4,866 7,338 762 3,990 997 41,613 Current Period Gross Charge Offs — — — — — — 84 84 Other construction Satisfactory (1-4) 113,512 446,125 176,340 21,713 — — — 757,690 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — — — Total 113,512 446,125 176,340 21,713 — — — 757,690 Current Period Gross Charge Offs — — — — — — — — One- to four-family residential Satisfactory (1-4) 340,886 219,504 128,509 73,162 39,685 97,236 687 899,669 Watch (5) — — — 179 88 1,341 57 1,665 Special Mention (6) — — — — — — — — Classified (7-9) — — 158 — — 1,832 79 2,069 Total 340,886 219,504 128,667 73,341 39,773 100,409 823 903,403 Current Period Gross Charge Offs — — — — — 39 1 40 Other residential Satisfactory (1-4) 83,822 133,648 168,232 142,630 122,614 123,538 3,939 778,423 Watch (5) — — — — — 3,338 — 3,338 Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — — — Total 83,822 133,648 168,232 142,630 122,614 126,876 3,939 781,761 Current Period Gross Charge Offs — — — — — — — — Commercial real estate Satisfactory (1-4) 221,341 171,484 109,939 203,426 185,682 577,216 36,658 1,505,746 Watch (5) — — — — — 23,338 — 23,338 Special Mention (6) — — — — — — — — Classified (7-9) — — — — — 1,579 — 1,579 Total 221,341 171,484 109,939

FDIC-Assisted Acquired Loans

FDIC-Assisted Acquired Loans	12 Months Ended
FDIC-Assisted Acquired Loans	Dec. 31, 2023
FDIC-Assisted Acquired Loans
FDIC-Assisted Acquired Loans	Note 4: FDIC-Assisted Acquired Loans 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 related loss sharing agreement was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. 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 related loss sharing agreement was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. 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 related loss sharing agreement was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. 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 related loss sharing agreement was terminated early, effective June 9, 2017, by mutual agreement of Great Southern Bank and the FDIC. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. 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. The following table presents the balances of the acquired loans related to the various FDIC-assisted transactions at December 31, 2023 and 2022. Sun Security TeamBank Vantus Bank Bank InterBank Valley Bank (In Thousands) December 31, 2023 Carrying value of loans receivable $ 2,191 $ 3,052 $ 6,263 $ 19,727 $ 10,323 December 31, 2022 Carrying value of loans receivable $ 2,703 $ 3,983 $ 7,221 $ 24,402 $ 12,750

Other Real Estate Owned and Rep

Other Real Estate Owned and Repossessions	12 Months Ended
Other Real Estate Owned and Repossessions	Dec. 31, 2023
Other Real Estate Owned and Repossessions
Other Real Estate Owned and Repossessions	Note 5: Other Real Estate Owned and Repossessions Major classifications of other real estate owned at December 31, 2023 and 2022, were as follows: 2023 2022 (In Thousands) Foreclosed assets held for sale and repossessions One- to four-family construction $ — $ — Subdivision construction — — Land development — — Commercial construction — — One- to four-family residential — — Other residential — — Commercial real estate — — Commercial business — — Consumer 23 50 Foreclosed assets held for sale and repossessions 23 50 Other real estate owned not acquired through foreclosure — 183 Other real estate owned and repossessions $ 23 $ 233 At December 31, 2023, there was no other real estate owned not acquired through foreclosure, as two former branch locations were sold during the year. At December 31, 2022, other real estate owned not acquired through foreclosure included two properties, both of which were branch locations that were closed and held for sale; these were sold during the year ended December 31, 2023, as indicated above. During the year ended December 31, 2022, two former branch location were sold. During the year ended December 31, 2022, no additional valuation write-downs were recorded on branch locations that were closed and held for sale. At December 31, 2023 and 2022, residential mortgage loans totaling $-0- and $173,000, respectively, were in the process of foreclosure. Expenses applicable to other real estate owned and repossessions for the years ended December 31, 2023, 2022 and 2021, included the following: 2023 2022 2021 (In Thousands) Net gains on sales of other real estate owned and repossessions $ (42) $ (149) $ (282) Valuation write-downs 81 23 211 Operating expenses, net of rental income 272 485 698 $ 311 $ 359 $ 627

Premises and Equipment

Premises and Equipment	12 Months Ended
Premises and Equipment	Dec. 31, 2023
Premises and Equipment
Premises and Equipment	Note 6: Premises and Equipment Major classifications of premises and equipment at December 31, 2023 and 2022, stated at cost, were as follows: 2023 2022 (In Thousands) Land $ 39,617 $ 39,622 Buildings and improvements 107,602 105,096 Furniture, fixtures and equipment 70,162 67,505 Operating leases right of use asset 6,621 7,397 224,002 219,620 Less accumulated depreciation 85,411 78,550 $ 138,591 $ 141,070 Leases. Leases (Topic 842). For the years ended December 31, 2023, 2022 and 2021, lease expense was $1.7 million, $1.6 million and $1.5 million, respectively. 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 $ 317,000, $ 307,000 and $ 307,000 for the years ended December 31, 2023, 2022 and 2021, respectively. 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, 2023, 2022 and 2021, income recognized from these lease agreements was $1.3 million, $1.2 million, and $1.2 million respectively, and was included in occupancy and equipment expense. At or For the Year Ended December 31, 2023 December 31, 2022 (In Thousands) Statement of Financial Condition Operating leases right of use asset $ 6,621 $ 7,397 Operating leases liability $ 6,870 $ 7,599 Statement of Income Operating lease costs classified as occupancy and equipment expense $ 1,740 $ 1,579 (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 $ 1,681 $ 1,547 Right of use assets obtained in exchange for lease obligations: Operating leases $ 296 $ 618 At December 31, 2023, future expected lease payments for leases with terms exceeding one year were as follows (in thousands): 2024 $ 1,313 2025 1,297 2026 1,241 2027 1,172 2028 900 Thereafter 1,899 Future lease payments expected 7,822 Less interest portion of lease payments (952) Lease liability $ 6,870

Investments in Limited Partners

Investments in Limited Partnerships	12 Months Ended
Investments in Limited Partnerships	Dec. 31, 2023
Investments in Limited Partnerships
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, 2023, the Company had 22 such investments, with a net carrying value of $66.3 million. At December 31, 2022, the Company had 19 such investments, with a net carrying value of $38.4 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 2034 were $75.9 million as of December 31, 2023, 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 completed and funded as planned. The Company’s usage of federal affordable housing tax credits approximated $ 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, 2023 the Company had one such investment, with a net carrying value of . 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 credit allowance period. In each of the first three years, credits totaling 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 The Company’s usage of federal New Market Tax Credits approximated $100,000, $100,000 and $100,000 during 2023, 2022 and 2021, respectively. Investment amortization amounted to $ 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. At December 31, 2023 the Company had one such investment, with a net carrying value of $415,000. At December 31, 2022 the Company had one such investment, with a net carrying value of $629,000. Under prior tax law, 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. Currently, 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.

Deposits

Deposits	12 Months Ended
Deposits	Dec. 31, 2023
Deposits.
Deposits	Note 8: Deposits Deposits at December 31, 2023 and 2022, are summarized as follows: Weighted Average Interest Rate 2023 2022 (In Thousands, Except Interest Rates) Non-interest-bearing accounts — $ 895,496 $ 1,063,588 Interest-bearing checking and savings accounts 1.67% and 0.65% 2,216,482 2,188,535 3,111,978 3,252,123 Certificate accounts 0.00% - 0.99% 86,831 280,784 1.00% - 1.99% 22,485 125,951 2.00% - 2.99% 44,354 381,547 3.00% - 3.99% 46,304 228,131 4.00% - 4.99% 739,645 4,883 5.00% and above 8,583 — 948,202 1,021,296 Brokered deposits 5.20% and 4.03% 661,528 411,491 661,528 411,491 $ 4,721,708 $ 4,684,910 The weighted average interest rate on certificates of deposit was 3.79% and 1.93% at December 31, 2023 and 2022, respectively. The Bank utilizes brokered deposits as an additional funding source. The aggregate amount of brokered deposits was approximately $ At December 31, 2023, scheduled maturities of certificates of deposit and brokered deposits were as follows: Retail Brokered Total (In Thousands) 2024 $ 921,485 $ 266,781 $ 1,188,266 2025 19,250 296,552 315,802 2026 3,067 98,195 101,262 2027 2,394 — 2,394 2028 948 — 948 Thereafter 1,058 — 1,058 $ 948,202 $ 661,528 $ 1,609,730 A summary of interest expense on deposits for the years ended December 31, 2023, 2022 and 2021, is as follows: 2023 2022 2021 (In Thousands) Checking and savings accounts $ 28,579 $ 5,968 $ 4,023 Certificate accounts 29,796 8,788 8,150 Brokered deposits 30,719 6,162 989 Early withdrawal penalties (337) (242) (60) $ 88,757 $ 20,676 $ 13,102

Advances From Federal Home Loan

Advances From Federal Home Loan Bank	12 Months Ended
Advances From Federal Home Loan Bank	Dec. 31, 2023
Advances From Federal Home Loan Bank
Advances From Federal Home Loan Bank	Note 9: Advances From Federal Home Loan Bank At December 31, 2023 and 2022, there were no outstanding term advances from the Federal Home Loan Bank of Des Moines. At December 31, 2023, there were outstanding overnight borrowings from the Federal Home Loan Bank of Des Moines, which are included in Short-Term Borrowings. The Bank has pledged FHLB stock, investment securities and first mortgage loans free of other pledges, liens and encumbrances as collateral for outstanding advances. No investment securities were specifically pledged as collateral for FHLB borrowings at December 31, 2023 and 2022. Loans with carrying values of approximately $1.74 billion and $1.62 billion were pledged as collateral for outstanding advances at December 31, 2023 and 2022, respectively. The Bank had

Short-Term Borrowings

Short-Term Borrowings	12 Months Ended
Short-Term Borrowings	Dec. 31, 2023
Short-Term Borrowings.
Short-Term Borrowings	Note 10: Short-Term Borrowings Short-term borrowings at December 31, 2023 and 2022, are summarized as follows: 2023 2022 (In Thousands) Notes payable – Community Development Equity Funds $ 1,610 $ 1,083 Securities sold under reverse repurchase agreements 70,843 176,843 Overnight borrowings from the Federal Home Loan Bank 251,000 88,500 $ 323,453 $ 266,426 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. Short-term borrowings had weighted average interest rates of 4.76% at December 31, 2023, compared to 2.16% at December 31, 2022. Short-term borrowings averaged approximately $225.1 million and $181.1 million for the years ended December 31, 2023 and 2022, respectively. The maximum amounts outstanding at any month end were The following table represents the Company’s securities sold under reverse repurchase agreements, which contractually mature daily, at December 31, 2023 and 2022: 2023 2022 (In Thousands) Mortgage-backed securities – GNMA, FNMA, FHLMC $ 70,843 $ 176,843

Federal Reserve Bank Borrowings

Federal Reserve Bank Borrowings	12 Months Ended
Federal Reserve Bank Borrowings	Dec. 31, 2023
Federal Reserve Bank Borrowings
Federal Reserve Bank Borrowings	Note 11: Federal Reserve Bank Borrowings At December 31, 2023 and 2022, the Bank had $452.0 million and $397.0 million, respectively, available under a primary line-of-credit borrowing arrangement with the Federal Reserve Bank. The line is secured primarily by consumer and commercial loans. There were Subsequent to December 31, 2023, in January 2024 the Bank borrowed $180.0 million under the Federal Reserve Bank’s Bank Term Funding Program (BTFP). The borrowing, which matures in January 2025 and has a fixed interest rate of 4.83%, may be repaid in full or in part without penalty prior to its stated maturity date. The line is secured primarily by the Bank’s held-to-maturity investment securities, with total amount of assets pledged totaling approximately $191 million. These funds were primarily used to repay a portion of the Bank’s overnight borrowings from the FHLB.

Subordinated Debentures Issued

Subordinated Debentures Issued to Capital Trusts	12 Months Ended
Subordinated Debentures Issued to Capital Trusts	Dec. 31, 2023
Subordinated Debentures Issued to Capital Trusts
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 bore a floating distribution rate equal to 90-day LIBOR plus . 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 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 . The interest rate was At December 31, 2023 and 2022, subordinated debentures issued to capital trusts were as follows: 2023 2022 (In Thousands) Subordinated debentures $ 25,774 $ 25,774

Subordinated Notes

Subordinated Notes	12 Months Ended
Subordinated Notes	Dec. 31, 2023
Subordinated Notes
Subordinated Notes	Note 13: Subordinated Notes On June 10, 2020, the Company completed the public offering and sale of $75.0 million of its subordinated notes. The notes are due June 15, 2030, and have a fixed interest rate of . The Company may call the notes at par beginning on June 15, 2025, 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 million. Total debt issuance costs of approximately Amortization of the debt issuance costs during the years ended December 31, 2023 and 2022, totaled $297,000 and $293,000, respectively, and is included in interest expense on subordinated notes in the consolidated statements of income, resulting in an imputed interest rate of 5.92 % and 5.95%, respectively. At December 31, 2023 and 2022, subordinated notes are summarized as follows: 2023 2022 (In Thousands) Subordinated notes $ 75,000 $ 75,000 Less: unamortized debt issuance costs 421 719 $ 74,579 $ 74,281

Income Taxes

Income Taxes	12 Months Ended
Income Taxes	Dec. 31, 2023
Income Taxes
Income Taxes	Note 14: Income Taxes The Company files a consolidated federal income tax return. As of December 31, 2023 and 2022, retained earnings included approximately 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 During the years ended December 31, 2023, 2022 and 2021, the provision for income taxes included these components: 2023 2022 2021 (In Thousands) Taxes currently payable $ 14,559 $ 15,769 $ 16,025 Deferred income taxes 2,985 2,485 3,712 Income taxes $ 17,544 $ 18,254 $ 19,737 The tax effects of temporary differences related to deferred taxes shown on the statements of financial condition were: December 31, 2023 2022 (In Thousands) Deferred tax assets Allowance for credit losses $ 15,911 $ 15,618 Liability for unfunded commitments 1,842 3,153 Interest on nonperforming loans 71 66 Accrued expenses and other 1,676 1,341 Capital loss carryforward 150 67 Unrealized loss on available-for-sale securities 13,208 15,407 Unrealized loss on securities transferred to held-to-maturity securities 16 — Unrealized loss on active cash flow derivatives 4,255 7,695 Income recognized for tax in excess of book related to terminated cash flow derivatives 3,532 5,530 Deferred income 124 290 Difference in basis for acquired assets and liabilities 353 686 41,138 49,853 Deferred tax liabilities Tax depreciation in excess of book depreciation (7,697) (8,210) FHLB stock dividends (337) (337) Partnership tax credits (998) (668) Prepaid expenses (1,373) (1,196) Unrealized gain on securities transferred to held-to-maturity securities — (29) Unrealized gain on terminated cash flow derivatives (3,532) (5,530) Other (277) (235) (14,214) (16,205) Net deferred tax asset $ 26,924 $ 33,648 Reconciliations of the Company’s effective tax rates, for the years indicated, from continuing operations to the statutory corporate tax rates were as follows: 2023 2022 2021 Tax at statutory rate 21.0 % 21.0 % 21.0 % Nontaxable interest and dividends (0.5) (0.5) (0.3) Tax credits (2.7) (1.6) (1.8) State taxes 1.7 1.8 1.3 Deferred tax rate change benefit — (0.6) — Other 1.1 (0.7) 0.7 20.6 % 19.4 % 20.9 % The Company and its consolidated subsidiaries have not been audited recently by the Internal Revenue Service (IRS). As a result, federal tax years through December 31, 2019 are now closed. The Company was previously under State of Missouri income and franchise tax examinations for its 2014 and 2015 tax years. The examinations concluded with one unresolved issue related to the exclusion of certain income in the calculation of Missouri income tax. The Missouri Department of Revenue denied the Company’s administrative protest regarding the 2014 and 2015 tax years’ examinations. In June 2021, the Company filed a formal protest with the Missouri Administrative Hearing Commission (MAHC), which has special jurisdiction to hear tax matters and is similar to a trial court, to continue defending the Company’s rights and associated tax position. The Company previously filed a motion for summary decision with the MAHC and, on January 26, 2024, the MAHC granted the motion in favor of the Company, upholding its position related to the exclusion of certain income in the calculation of Missouri income tax. In February 2024, the Missouri Department of Revenue confirmed to the Company in writing that it would not exercise its right to appeal the decision to the Missouri State Supreme Court.

Disclosures About Fair Value of

Disclosures About Fair Value of Financial Instruments	12 Months Ended
Disclosures About Fair Value of Financial Instruments	Dec. 31, 2023
Disclosures About Fair Value of Financial Instruments
Disclosures About Fair Value of Financial Instruments	Note 15: Disclosures About Fair Value of Financial Instruments ASC Topic 820, Fair Value Measurements ● Quoted prices in active markets for identical assets or liabilities (Level 1): Inputs that are quoted unadjusted prices in active markets for identical assets that the Company has the ability to access at the measurement date. An active market for the asset is a market in which transactions for the asset or liability occur with sufficient frequency and volume to provide pricing information on an ongoing basis. ● Other observable inputs (Level 2): Inputs that reflect the assumptions market participants would use in pricing the asset or liability developed based on market data obtained from sources independent of the reporting entity including quoted prices for similar assets, quoted prices for securities in inactive markets and inputs derived principally from or corroborated by observable market data by correlation or other means. ● Significant unobservable inputs (Level 3): Inputs that reflect assumptions of a source independent of the reporting entity or the reporting entity’s own assumptions that are supported by little or no market activity or observable inputs. Financial instruments are broken down 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, 2023 and 2022: 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, 2023 Available-for-sale securities Agency mortgage-backed securities $ 280,231 $ — $ 280,231 $ — Agency collateralized mortgage obligations 75,946 — 75,946 — States and political subdivisions securities 58,137 — 58,137 — Small Business Administration securities 63,893 — 63,893 — Interest rate derivative asset 8,205 — 8,205 — Interest rate derivative liability (25,336) — (25,336) — December 31, 2022 Available-for-sale securities Agency mortgage-backed securities $ 286,482 $ — $ 286,482 $ — Agency collateralized mortgage obligations 78,474 — 78,474 — States and political subdivisions securities 57,495 — 57,495 — Small Business Administration securities 68,141 — 68,141 — Interest rate derivative asset 11,061 — 11,061 — Interest rate derivative liability (42,097) — (42,097) — 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, 2023 and 2022, as well as the general classification of such assets pursuant to the valuation hierarchy. There were no significant changes in the valuation techniques during the year ended December 31, 2023. 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, SOFR yield curve, credit spreads and prices from market makers and live trading systems. 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, 2023 or December 31, 2022. 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, 2023 and 2022: 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, 2023 Collateral-dependent loans $ 7,372 $ — $ — $ 7,372 December 31, 2022 Collateral-dependent loans $ 785 $ — $ — $ 785 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, 2023 and 2022, the aggregate fair value of mortgage loans held for sale was not materially different than their cost. Accordingly, no mortgage loans held for sale were marked down and reported at fair value. Collateral-Dependent Loans The Company records collateral-dependent 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 of the portion of the loan that exceeds the fair value or establishes a reserve within the allowance for credit losses specific to the loan. Loans for which such charge-offs or reserves were recorded during the years ended December 31, 2023 and December 31, 2022, 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. There were no foreclosed assets held for sale at December 31, 2023 or 2022. 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. Held-to-Maturity Securities Fair values for held-to-maturity securities are estimated based on quoted market prices of similar securities. For these securities, the Company obtains fair value measurements 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, SOFR yield curve, credit spreads and prices from market makers and live trading systems. These securities include U.S. government agency securities, mortgage-backed securities, state and municipal bonds and certain other investments. Loans and Interest Receivable The fair value of loans is estimated on an exit price basis incorporating contractual cash flows, prepayment 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 based on a discounted cash flow calculation using the average advances yield curve from 11 districts of the FHLB for the as of date. The carrying amount of accrued interest payable approximates its fair value. 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 not recorded at fair value in the financial statements. 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, 2023 December 31, 2022 Carrying Fair Hierarchy Carrying Fair Hierarchy Amount Value Level Amount Value Level (Dollars in Thousands) Financial assets Cash and cash equivalents $ 211,333 $ 211,333 1 $ 168,520 $ 168,520 1 Held-to-maturity securities 195,023 171,193 2 202,495 177,765 2 Mortgage loans held for sale 5,849 5,849 2 4,811 4,811 2 Loans, net of allowance for credit losses 4,589,620 4,402,314 3 4,506,836 4,391,084 3 Interest receivable 21,206 21,206 3 19,107 19,107 3 Investment in FHLB stock and other assets 26,313 26,313 3 30,814 30,814 3 Financial liabilities Deposits 4,721,708 4,714,624 3 4,684,910 4,672,913 3 Short-term borrowings 323,453 323,453 3 266,426 266,426 3 Subordinated debentures 25,774 25,774 3 25,774 25,774 3 Subordinated notes 74,579 71,625 2 74,281 72,000 2 Interest payable 6,225 6,225 3 3,010 3,010 3 Unrecognized financial instruments (net of contractual value) Commitments to originate loans — — 3 — — 3 Letters of credit 78 78 3 73 73 3 Lines of credit — — 3 — — 3

Derivatives and Hedging Activit

Derivatives and Hedging Activities	12 Months Ended
Derivatives and Hedging Activities	Dec. 31, 2023
Derivatives and Hedging Activities
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 were 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. 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. At December 31, 2023, the Company had six interest rate swaps, totaling $82.2 million in notional amount, with commercial customers, and six interest rate swaps with the same notional amount with third parties related to its program. In addition, at December 31, 2023, the Company had 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 the Company through the loan participation. At December 31, 2022, the Company had interest rate cap with the same notional amount with third parties related to its program. In addition, at December 31, 2022, the Company had Fair Value Hedges Interest Rate Swaps Subsequent to December 31, 2023, the Company elected to terminate these swaps prior to their contractual termination date in 2025. The Company received a net settlement payment from the swap counterparty totaling $26,500 upon termination. At the time of the early termination, the Company had recorded a market value adjustment to the brokered deposit of $163,000, which will now be amortized as a reduction of interest expense beginning in January 2024 through February 2025. Cash Flow Hedges Interest Rate Swap. In March 2020, the Company and its swap counterparty mutually agreed to terminate the $400 million interest rate swap prior to its contractual maturity. The Company was paid $45.9 million from its swap counterparty as a result of this termination. This million, less the accrued interest portion and net of deferred income taxes, was reflected in the Company’s stockholders’ equity as part of Accumulated Other Comprehensive Income (AOCI) and a portion of it is being accreted to interest income on loans monthly through the original contractual termination date of October 6, 2025. This has the effect of reducing Accumulated Other Comprehensive Income and increasing Net Interest Income and Retained Earnings over the period. The Company recorded interest income of In March 2022, the Company entered into an interest rate swap transaction as part of its ongoing interest rate management strategies to hedge the risk of its floating rate loans. The notional amount of the swap was $300 million, with a termination date of March 1, 2024. Under the terms of the swap, the Company received a fixed rate of interest of 1.6725% and paid a floating rate of interest equal to one-month USD-LIBOR (or the equivalent replacement rate if USD-LIBOR rate is not available). The floating rate reset monthly and net settlements of interest due to/from the counterparty also occurred monthly. The floating rate of interest was 5.456% as of December 31, 2023. To the extent the floating rate of interest exceeded the fixed rate of interest, the Company was required to pay net settlements to the counterparty and record those net payments as a reduction of interest income on loans. If the fixed rate of interest exceeded the floating rate of interest, the Company received net interest settlements, which were recorded as loan interest income. The Company recorded a reduction of loan interest income related to this swap transaction of $10.4 million and $941,000 for the years ended December 31, 2023 and December 31, 2022, respectively. In July 2022, the Company entered into two additional interest rate swap transactions as part of its ongoing interest rate management strategies to hedge the risk of its floating rate loans. The notional amount of each swap is $200 million with an effective date of May 1, 2023 The effective portion of the gain or loss on the derivative is reported as a component of other comprehensive income and reclassified into earnings in the same period or periods during which the hedged transaction affected earnings. Gains and losses on the derivative representing either hedge ineffectiveness or hedge components excluded from the assessment of effectiveness are recognized in current earnings. During each of the three months and year ended December 31, 2023 and 2022, the Company recognized no non-interest income related to changes in the fair value of these derivatives. 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 2023 2022 (In Thousands) Derivatives designated as hedging instruments Derivative Liabilities Active interest rate swaps Accrued expenses and other liabilities $ 17,296 $ 31,277 Total derivatives designated as hedging instruments $ 17,296 $ 31,277 Derivatives not designated as hedging instruments Derivative Assets Interest rate products Prepaid expenses and other assets $ 8,205 $ 11,061 Total derivatives not designated as hedging instruments $ 8,205 $ 11,061 Derivative Liabilities Interest rate products Accrued expenses and other liabilities $ 8,040 $ 10,820 Total derivatives not designated as hedging instruments $ 8,040 $ 10,820 The following table presents the effect of cash flow hedge accounting on the statements of comprehensive income: Amount of Gain (Loss) Recognized in AOCI Year Ended December 31, Cash Flow Hedges 2023 2022 2021 (In Thousands) Terminated interest rate swaps, net of income taxes $ (6,267) $ (6,271) $ (6,271) Active interest rate swaps, net of income taxes 10,541 (23,582) — $ 4,274 $ (29,853) $ (6,271) The following table presents the effect of cash flow hedge accounting on the statements of income: Year Ended December 31, Cash Flow Hedges 2023 2022 2021 Interest Interest Interest Interest Interest Interest Income Expense Income Expense Income Expense (In Thousands) Terminated interest rate swaps $ 8,122 $ — $ 8,123 $ — $ 8,123 $ — Active interest rate swaps (17,618) — (941) — — — $ (9,496) $ — $ 7,182 $ — $ 8,123 $ — 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 occur, such as the issuance of a formal directive, or if the Company’s credit rating is downgraded below a specified level. At December 31, 2023, the termination value of derivatives with our derivative dealer counterparties (related to loan level swaps with commercial lending customers and an active interest rate swap to hedge risk related to the Company’s variable rate loans) in an overall net asset position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $137,000. The Company has minimum collateral posting thresholds with its derivative dealer counterparties. At December 31, 2023, the Company had given cash collateral to one derivative counterparty of $11.6 million to cover its net fair value position. This counterparty position included collateral from the counterparty of $8.2 million for commercial lending swaps, collateral from the Company of $19.2 million for interest rate swaps related to variable rate loans and collateral from the Company of $44,000 for swaps related to brokered deposits. At December 31, 2022, 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 $242,000. 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 $20.7 million to the derivative counterparty. If the Company had breached any of these provisions at December 31, 2023 or December 31, 2022, it could have been required to settle its obligations under the agreements at the termination value. Under the collateral agreements between the parties, either party may choose to provide cash or securities to satisfy its collateral requirements.

Commitments and Credit Risk

Commitments and Credit Risk	12 Months Ended
Commitments and Credit Risk	Dec. 31, 2023
Commitments and Credit Risk
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, 2023 and 2022, the Bank had outstanding commitments to originate loans and fund commercial construction loans aggregating approximately $1.6 million and $97.1 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 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 $16.5 million and $16.7 million at December 31, 2023 and 2022, respectively, with no letters of credit having terms over five years. 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, 2023, the Bank had granted unused lines of credit to borrowers aggregating approximately $1.0 billion and $204.0 million for commercial lines and open-end consumer lines, respectively. At December 31, 2022, the Bank had granted unused lines of credit to borrowers aggregating approximately $1.8 billion and $199.2 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 (including FDIC-assisted acquired loans) aggregating approximately

Additional Cash Flow Informatio

Additional Cash Flow Information	12 Months Ended
Additional Cash Flow Information	Dec. 31, 2023
Additional Cash Flow Information
Additional Cash Flow Information	Note 18: Additional Cash Flow Information Year Ended December 31, 2023 2022 2021 (In Thousands) Noncash Investing and Financing Activities Real estate acquired in settlement of loans $ 142 $ 371 $ 1,154 Transfer of available-for-sale securities to held-to-maturity — 226,500 — Conversion of premises and equipment to foreclosed assets — — 1,215 Dividends declared but not paid 4,722 4,893 4,727 Additional Cash Payment Information Interest paid 100,405 24,999 22,700 Income taxes paid 7,888 10,258 12,959

Employee Benefits

Employee Benefits	12 Months Ended
Employee Benefits	Dec. 31, 2023
Employee Benefits
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, 2023, 2022 and 2021, were approximately million, respectively. The Company’s contributions to the Pentegra DB Plan were not more than of the total contributions to the plan. The funded status of the plan as of July 1, 2023 and 2022, was , respectively. The funded status was calculated by taking the market value of plan assets, which reflected contributions received through June 30, 2023 and 2022, 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 of the employee’s compensation. Employer contributions charged to expense for this plan for the years ended December 31, 2023, 2022 and 2021, were approximately

Stock Compensation Plans

Stock Compensation Plans	12 Months Ended
Stock Compensation Plans	Dec. 31, 2023
Stock Compensation Plans
Stock Compensation Plans	Note 20: Stock Compensation Plans The Company established the 2013 Equity 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 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 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, 2023, The Company established the 2018 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 shares of common stock. On May 11, 2022, the Company’s stockholders approved the Great Southern Bancorp, Inc. 2022 Omnibus Incentive Plan (the “2022 Plan”). Upon the stockholders’ approval of the 2022 Plan, the 2018 Plan was frozen. As a result, no new stock options or other awards may be granted under the 2018 Plan; however, existing outstanding awards under the 2018 Plan were not affected. At December 31, 2023, The 2022 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 2022 Plan is (the “2022 Plan Limit”). Shares utilized for awards other than stock options and stock appreciation rights will be counted against the 2022 Plan Limit on a -to-1 basis. At December 31, 2023, 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 commencing two years from the date of grant. The Compensation Committee has discretion to accelerate a participant’s right to exercise an option. Stock awards may be granted upon terms and conditions determined solely at the discretion of the Compensation Committee. The table below summarizes transactions under the Company’s stock compensation plans, all of which related to stock options granted under such plans: Shares Weighted Available Under Average to Grant Option Exercise Price Balance, January 1, 2021 245,350 971,107 $ 48.079 Granted from 2018 Plan (202,700) 202,700 57.980 Exercised — (91,285) 40.532 Forfeited from terminated plan(s) — (5,197) 44.563 Forfeited from current plan(s) 44,022 (44,022) 52.256 Balance, December 31, 2021 86,672 1,033,303 50.528 Granted from 2018 Plan (2,500) 2,500 61.550 Forfeited from terminated plan(s) 39,235 (39,235) 52.523 Termination of 2018 Plan (123,407) — — Available to Grant from 2022 Plan 900,000 — — Granted from 2022 Plan (205,900) 205,900 61.505 Exercised — (136,801) 42.149 Forfeited from current plan(s) 750 (750) 61.550 Balance, December 31, 2022 694,850 1,064,917 53.671 Forfeited from terminated plan(s) — (9,100) 51.123 Granted from 2022 Plan (210,300) 210,300 53.166 Exercised — (22,762) 38.830 Forfeited from current plan(s) 3,050 (3,050) 61.550 Balance, December 31, 2023 487,600 1,240,305 $ 53.857 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 each 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 significant. Forfeitures are estimated annually based on historical information. 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, 2023, 2022 and 2021: 2023 2022 2021 Expected dividends per share $ 1.60 $ 1.60 $ 1.44 Risk-free interest rate 4.51 % 3.77 % 1.24 % Expected life of options 6 years 6 years 5 years Expected volatility 23.69 % 23.70 % 28.33 % Weighted average fair value of options granted during year $ 11.69 $ 13.46 $ 11.56 Expected volatilities are based on the historical volatility of the Company’s stock price over the measured period. The expected life 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. For 2023 and 2022, the risk-free interest rate is based on the average of the five-year treasury rate and the seven-year treasury rate on the grant date of the options. For 2021, 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, 2023: Weighted Weighted Average Average Remaining Exercise Contractual Options Price Term Options outstanding, January 1, 2023 1,064,917 $ 53.671 7.13 years Granted 210,300 53.166 Exercised (22,762) 38.830 Forfeited (12,150) 53.741 Options outstanding, December 31, 2023 1,240,305 53.857 6.74 years Options exercisable, December 31, 2023 571,490 $ 51.688 4.64 years For the years ended December 31, 2023, 2022 and 2021, options granted were 210,300, 208,400, and 202,700 , 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, 2023, 2022 and 2021, was million, respectively. Cash received from the exercise of options for the years ended December 31, 2023, 2022 and 2021, was million, respectively. The actual tax benefit realized for the tax deductions from option exercises totaled $ million for the years ended December 31, 2023, 2022 and 2021, respectively. The total intrinsic value of options outstanding at December 31, 2023, 2022 and 2021, was The following table presents the activity related to nonvested options under all plans for the year ended December 31, 2023. Weighted Weighted Average Average Exercise Grant Date Options Price Fair Value Nonvested options, January 1, 2023 636,844 $ 56.073 $ 11.117 Granted 210,300 53.166 11.681 Vested this period (169,592) 53.882 9.755 Nonvested options forfeited (8,737) 56.347 11.299 Nonvested options, December 31, 2023 668,815 $ 55.711 $ 11.640 For the years ended December 31, 2023, 2022 and 2021, compensation expense for stock option grants was $1.6 million, $1.4 million and $1.2 million, respectively. At December 31, 2023, there was $7.0 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 2029, with the majority of this expense recognized in 2024 and 2025. The following table further summarizes information about stock options outstanding at December 31, 2023: Options Outstanding Weighted Options Exercisable Average Weighted Weighted Remaining Average Average Number Contractual Exercise Number Exercise Range of Exercise Prices Outstanding Term Price Exercisable Price $32.590 to 38.610 26,906 0.96 years $ 33.317 26,906 $ 33.317 $41.300 to 41.740 200,538 5.71 years 41.628 119,930 41.552 $50.250 to 59.750 668,327 6.87 years 54.686 316,725 54.194 $60.150 to 62.010 344,534 7.55 years 60.971 107,929 60.176 1,240,305 6.74 years $ 53.857 571,490 $ 51.688

Significant Estimates and Conce

Significant Estimates and Concentrations	12 Months Ended
Significant Estimates and Concentrations	Dec. 31, 2023
Significant Estimates and Concentration
Significant Estimates and Concentration	Note 21: Significant Estimates and Concentrations GAAP requires disclosure of certain significant estimates and current vulnerabilities due to certain concentrations. Estimates related to the allowance for credit losses are reflected in Note 3

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income	12 Months Ended
Accumulated Other Comprehensive Income	Dec. 31, 2023
Accumulated Other Comprehensive Income
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: 2023 2022 (In Thousands) Net unrealized gain (loss) on available-for-sale securities $ (53,685) $ (62,622) Net unrealized gain (loss) on held-to-maturity securities (65) 118 Net unrealized gain (loss) on active derivatives used for cash flow hedges (17,296) (31,277) Net unrealized gain on terminated derivatives used for cash flow hedges 14,354 22,478 (56,692) (71,303) Tax effect 14,211 17,948 Net-of-tax amount $ (42,481) $ (53,355) Amounts reclassified from AOCI and the affected line items in the statements of income during the years ended December 31, 2023, 2022 and 2021, were as follows: Amounts Reclassified from AOCI Affected Line Item in the 2023 2022 2021 Statements of Income (In Thousands) Unrealized loss on available-for-sale securities $ — $ (130) $ — Net realized gains (losses) on Change in fair value of cash flow hedge 8,122 8,123 8,123 Amortization of realized gain on Income taxes (1,855) (1,820) (1,852) Tax (expense) benefit Total reclassifications out of AOCI $ 6,267 $ 6,173 $ 6,271

Regulatory Matters

Regulatory Matters	12 Months Ended
Regulatory Matters	Dec. 31, 2023
Regulatory Matters
Regulatory Matters	Note 23: Regulatory Matters The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can result in certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct and material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of the Company’s and the Bank’s assets, liabilities and certain off-balance-sheet items as calculated under GAAP, regulatory reporting practices, and regulatory capital standards. The Company’s and the Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Quantitative measures established by regulatory reporting standards to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below as of December 31, 2023) 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, 2023, that the Bank met all capital adequacy requirements to which it was then subject. As of December 31, 2023, 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, 2023, 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, 2023 and 2022, 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 below. In addition to the minimum capital ratios, the capital rules include a capital conservation buffer, under which a banking organization must have Common Equity Tier 1 capital more than 2.5% above each of its minimum risk-based capital ratios in order to avoid restrictions on paying dividends, repurchasing shares, and paying certain discretionary bonuses. The net unrealized gain or loss on securities is not included in computing regulatory capital. The Company’s and the Bank’s actual capital amounts and ratios are presented in the following table. No amount was deducted from capital for interest-rate risk. 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, 2023 Total capital Great Southern Bancorp, Inc. $ 770,885 15.2 % $ 406,994 8.0 % N/A N/A Great Southern Bank $ 728,113 14.3 % $ 406,744 8.0 % $ 508,430 10.0 % Tier I capital Great Southern Bancorp, Inc. $ 632,279 12.4 % $ 305,246 6.0 % N/A N/A Great Southern Bank $ 664,545 13.1 % $ 305,058 6.0 % $ 406,744 8.0 % Tier I leverage capital Great Southern Bancorp, Inc. $ 632,279 11.0 % $ 229,992 4.0 % N/A N/A Great Southern Bank $ 664,545 11.6 % $ 229,692 4.0 % $ 287,115 5.0 % Common equity Tier I capital Great Southern Bancorp, Inc. $ 607,279 11.9 % $ 228,934 4.5 % N/A N/A Great Southern Bank $ 664,545 13.1 % $ 228,794 4.5 % $ 330,480 6.5 % As of December 31, 2022 Total capital Great Southern Bancorp, Inc. $ 746,287 13.5 % $ 440,767 8.0 % N/A N/A Great Southern Bank $ 721,616 13.1 % $ 440,683 8.0 % $ 550,854 10.0 % Tier I capital Great Southern Bancorp, Inc. $ 607,807 11.0 % $ 330,575 6.0 % N/A N/A Great Southern Bank $ 658,136 11.9 % $ 330,512 6.0 % $ 440,683 8.0 % Tier I leverage capital Great Southern Bancorp, Inc. $ 607,807 10.6 % $ 228,673 4.0 % N/A N/A Great Southern Bank $ 658,136 11.5 % $ 228,511 4.0 % $ 285,638 5.0 % Common equity Tier I capital Great Southern Bancorp, Inc. $ 582,807 10.6 % $ 247,932 4.5 % N/A N/A Great Southern Bank $ 658,136 11.9 % $ 247,884 4.5 % $ 358,055 6.5 %

Litigation Matters

Litigation Matters	12 Months Ended
Litigation Matters	Dec. 31, 2023
Litigation Matters
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.

Summary of Unaudited Quarterly

Summary of Unaudited Quarterly Operating Results	12 Months Ended
Summary of Unaudited Quarterly Operating Results	Dec. 31, 2023
Summary of Unaudited Quarterly Operating Results
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 2023, 2022 and 2021: 2023 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $ 71,463 $ 73,618 $ 75,272 $ 76,482 Interest expense 18,271 25,480 28,534 31,335 Provision for credit losses on loans 1,500 — — 750 Provision (credit) for unfunded commitments (826) (1,619) (1,195) (1,689) Net realized gain (loss) on available-for-sale securities — — — — Non-interest income 7,889 7,769 7,852 6,563 Non-interest expense 34,463 34,718 35,557 36,285 Provision for income taxes 5,488 4,488 4,349 3,219 Net income available to common shareholders 20,456 18,320 15,879 13,145 Earnings per common share – diluted 1.67 1.52 1.33 1.11 2022 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $ 46,673 $ 52,698 $ 59,657 $ 67,949 Interest expense 3,407 3,867 6,759 13,330 Provision for credit losses on loans — — 2,000 1,000 Provision (credit) for unfunded commitments (193) 2,223 1,315 (159) Net realized gain (loss) on available-for-sale securities 7 — 31 (168) Non-interest income 9,176 9,319 7,984 7,661 Non-interest expense 31,268 33,004 34,758 34,336 Provision for income taxes 4,380 4,699 4,676 4,499 Net income available to common shareholders 16,987 18,224 18,133 22,604 Earnings per common share – diluted 1.30 1.44 1.46 1.84 2021 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $ 50,633 $ 50,452 $ 49,640 $ 47,948 Interest expense 6,544 5,768 4,717 3,723 Provision (credit) for credit losses on loans 300 (1,000) (3,000) (3,000) Provision (credit) for unfunded commitments — — — — Net realized gain (loss) on available-for-sale securities (674) (307) 643 1,277 Non-interest income 9,736 9,585 9,798 9,198 Non-interest expense 30,321 30,191 31,339 35,784 Provision for income taxes 5,010 5,271 5,375 4,081 Net income available to common shareholders 18,868 20,114 20,364 15,281 Earnings per common share – diluted 1.36 1.46 1.49 1.14

Condensed Parent Company Statem

Condensed Parent Company Statements	12 Months Ended
Condensed Parent Company Statements	Dec. 31, 2023
Condensed Parent Company Statements
Condensed Parent Company Statements	Note 26: Condensed Parent Company Statements The condensed statements of financial condition at December 31, 2023 and 2022, and statements of income, comprehensive income and cash flows for the years ended December 31, 2023, 2022 and 2021, for the parent company, Great Southern Bancorp, Inc., were as follows: December 31, 2023 2022 (In Thousands) Statements of Financial Condition Assets Cash $ 47,048 $ 29,097 Investment in subsidiary bank 629,096 608,416 Deferred and accrued income taxes 641 148 Prepaid expenses and other assets 877 882 $ 677,662 $ 638,543 Liabilities and Stockholders’ Equity Accounts payable and accrued expenses $ 5,480 $ 5,401 Subordinated debentures issued to capital trust 25,774 25,774 Subordinated notes 74,579 74,281 Common stock 118 122 Additional paid-in capital 44,320 42,445 Retained earnings 569,872 543,875 Accumulated other comprehensive income (loss) (42,481) (53,355) $ 677,662 $ 638,543 2023 2022 2021 (In Thousands) Statements of Income Income Dividends from subsidiary bank $ 65,000 $ 60,000 $ 74,000 Other income — — — 65,000 60,000 74,000 Expense Operating expenses 2,780 2,550 2,121 Interest expense 6,158 5,298 7,613 8,938 7,848 9,734 Income before income tax and equity in undistributed earnings of subsidiaries 56,062 52,152 64,266 Credit for income taxes (1,932) (1,608) (1,850) Income before equity in earnings of subsidiaries 57,994 53,760 66,116 Equity in undistributed earnings of subsidiaries 9,806 22,188 8,511 Net income $ 67,800 $ 75,948 $ 74,627 2023 2022 2021 (In Thousands) Statements of Cash Flows Operating Activities Net income $ 67,800 $ 75,948 $ 74,627 Items not requiring (providing) cash Equity in undistributed earnings of subsidiary (9,806) (22,188) (8,511) Compensation expense for stock option grants 1,621 1,437 1,225 Amortization of interest rate derivative and deferred costs on subordinated notes 298 297 587 Changes in Prepaid expenses and other assets 5 (14) 15 Accounts payable and accrued expenses 250 69 (1,661) Income taxes (493) (54) 63 Net cash provided by operating activities 59,675 55,495 66,345 Investing Activities Net cash provided by investing activities — — — Financing Activities Purchases of the Company’s common stock (23,326) (61,847) (39,123) Redemption of subordinated notes — — (75,000) Dividends paid (19,282) (19,181) (18,800) Stock options exercised 884 6,258 3,700 Net cash used in financing activities (41,724) (74,770) (129,223) Increase (Decrease) in Cash 17,951 (19,275) (62,878) Cash, Beginning of Year 29,097 48,372 111,250 Cash, End of Year $ 47,048 $ 29,097 $ 48,372 Additional Cash Payment Information Interest paid $ 6,107 $ 5,115 $ 9,103 2023 2022 2021 (In Thousands) Statements of Comprehensive Income Net Income $ 67,800 $ 75,948 $ 74,627 Comprehensive income (loss) of subsidiaries 10,874 (86,114) (20,392) Comprehensive Income $ 78,674 $ (10,166) $ 54,235

Nature of Operations and Summ_2

Nature of Operations and Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2023
Nature of Operations and Summary of Significant Accounting Policies
Nature of Operations and Operating Segments	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; Charlotte, North Carolina; Chicago; Dallas; Denver; Omaha, Nebraska; Phoenix; and Tulsa, Oklahoma. 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	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 credit losses and the valuation of real estate acquired in connection with foreclosures or in satisfaction of loans and fair values of financial instruments. In connection with the determination of the allowance for credit 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	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 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	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. The Company evaluates all securities quarterly to determine if any securities in a loss position require a provision for credit losses in accordance with ASC 326, Measurement of Credit Losses on Financial Instruments
Mortgage Loans Held for Sale	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 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 credit 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 Credit Losses	Allowance for Credit Losses The allowance for credit losses is measured using an average historical loss model that incorporates relevant information about past events (including historical credit loss experience on loans with similar risk characteristics), current conditions, and reasonable and supportable forecasts that affect the collectability of the remaining cash flows over the contractual term of the loans. The allowance for credit losses is measured on a collective (pool) basis. Loans are aggregated into pools based on similar risk characteristics, including borrower type, collateral and repayment types and expected credit loss patterns. Loans that do not share similar risk characteristics, primarily classified loans with a balance greater than or equal to $100,000, are evaluated on an individual basis. For loans evaluated for credit losses on a collective basis, average historical loss rates are calculated for each pool using the Company’s historical net charge-offs (combined charge-offs and recoveries by observable historical reporting period) and outstanding loan balances during a lookback period. Lookback periods can be different based on the individual pool and represent management’s credit expectations for the pool of loans over the remaining contractual life. In certain loan pools, if the Company’s own historical loss rate is not reflective of the loss expectations, the historical loss rate is augmented by industry and peer data. The calculated average net charge-off rate is then adjusted for current conditions and reasonable and supportable forecasts. These adjustments increase or decrease the average historical loss rate to reflect expectations of future losses given economic forecasts of key macroeconomic variables including, but not limited to, unemployment rate, gross domestic product (“GDP”), commercial real estate price index, consumer sentiment and construction spending. The adjustments are based on results from various regression models projecting the impact of the macroeconomic variables to loss rates. The forecast is used for a reasonable and supportable period before reverting to historical averages. The forecast-adjusted loss rate is applied to the principal balance over the remaining contractual lives, adjusted for expected prepayments. The contractual term excludes expected extensions, renewals and modifications. Additionally, the allowance for credit losses considers other qualitative factors not included in historical loss rates or macroeconomic forecasts such as changes in portfolio composition, underwriting practices, or significant unique events or conditions. In addition, ASU 2016-13 requires an allowance for off balance sheet credit exposures: unfunded lines of credit, undisbursed portions of loans, written residential and commercial commitments, and letters of credit. To determine the amount needed for allowance purposes, a utilization rate is determined either by the model or internally for each pool. Our loss model calculates the reserve on unfunded commitments based upon the utilization rate multiplied by the average loss rate factors in each pool with unfunded and committed balances. The liability for unfunded lending commitments utilizes the same model as the allowance for credit losses on loans; however, the liability for unfunded lending commitments incorporates assumptions for the portion of unfunded commitments that are expected to be funded.
Loans Acquired in Business Combinations	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 were not considered to be purchased credit-impaired loans, the Company evaluated 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 evaluated 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. Prior to the adoption of ASU 2016-13, the expected cash flows of the acquired loan pools in excess of the fair values recorded, referred to as the accretable yield, was 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 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 credit losses.
Other Real Estate Owned and Repossessions	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 activities, 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 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 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. The calculated amounts of the right of use assets and lease liabilities 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 for an extended term in the calculation of the right of use asset and lease liability. 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 Company uses 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 is the FHLBank borrowing rate for the term corresponding to the expected term of the lease.
Long-Lived Asset Impairment	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 material asset impairment was recognized during the years ended December 31, 2023, 2022 and 2021.
Goodwill and Intangible Assets	Goodwill and Intangible Assets Goodwill is evaluated annually for impairment or more frequently if impairment indicators are present. The annual, or interim, goodwill impairment test is performed by comparing the fair value of a reporting unit with its carrying amount and an impairment charge is recognized for the amount by which the carrying amount exceeds the reporting unit’s fair value. The Company still may perform a qualitative assessment for a reporting unit to determine if the quantitative impairment test is necessary. Deposit intangible assets are amortized on the straight-line basis generally over a period of seven years. Arena naming rights intangible assets are being amortized on the straight-line basis generally over a period of fifteen 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, 2023 2022 (In Thousands) Goodwill – Branch acquisitions $ 5,396 $ 5,396 Deposit intangibles Fifth Third Bank (January 2016) — 53 Arena Naming Rights (April 2022) 5,131 5,364 5,131 5,417 $ 10,527 $ 10,813
Loan Servicing and Origination Fee Income	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	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	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 year. Earnings per common share (EPS) were computed as follows: 2023 2022 2021 (In Thousands, Except Per Share Data) Net income and net income available to common shareholders $ 67,800 $ 75,948 $ 74,627 Average common shares outstanding 11,992 12,516 13,558 Average common share stock options outstanding 88 91 116 Average diluted common shares 12,080 12,607 13,674 Earnings per common share – basic $ 5.65 $ 6.07 $ 5.50 Earnings per common share – diluted $ 5.61 $ 6.02 $ 5.46 Options outstanding at December 31, 2023, 2022 and 2021, to purchase 749,833, 559,484 and 383,338 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, 2023, 2022 and 2021, respectively.
Stock Compensation Plans	Stock Compensation Plans The Company has stock-based employee compensation plans, which are described more fully in Note 20 Compensation – Stock Compensation
Cash Equivalents	Cash Equivalents The Company considers all liquid investments with original maturities of three months or less to be cash equivalents. At December 31, 2023 and 2022, cash equivalents consisted of interest-bearing deposits in other financial institutions. At December 31, 2023, nearly all of the interest-bearing deposits were uninsured and held at the Federal Home Loan Bank or the Federal Reserve Bank.
Income Taxes	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, 2023 and 2022, 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	Derivatives and Hedging Activities FASB ASC 815, Derivatives and Hedging 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 and apply hedge accounting and whether the hedging relationship has satisfied the criteria necessary to apply hedge accounting.
Recent Accounting Pronouncements	Recent Accounting Pronouncements In March 2020, the FASB issued ASU 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting In January 2021, the FASB issued ASU 2021-01, Reference Rate Reform (Topic 848): Scope In March 2022, the FASB issued ASU 2022-01, Derivatives and Hedging (Topic 815): Fair Value Hedging – Portfolio Layer Method In March 2022, the FASB issued ASU 2022-02, Financial Instruments – Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures In December 2022, the FASB issued ASU 2022-06, Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848 In March 2023, the FASB issued ASU 2023-02, Investments – Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method In November 2023, the FASB issued ASU No. 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures. In December 2023, the FASB issued ASU No. 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures.
Correction of an Immaterial Error in Prior Period Financial Statements	Correction of an Immaterial Error in Prior Period Financial Statements Certain prior period amounts in the Consolidated Statements of Cash Flows have been corrected as discussed below. No other financial statements or notes thereto were impacted by these corrections. The Company has corrected its 2022 and 2021 Consolidated Statements of Cash Flows presentation within this Annual Report on Form 10-K for an error in classification within the operating activities section of the statements of cash flows regarding amortization of terminated hedging transactions and for an error in classification regarding investments in tax credit partnerships between the operating activities and investing activities sections of the statements of cash flows. For the item related to the terminated hedging transactions, the Company is now including the amortization from accumulated other comprehensive income and related deferred taxes recognized in interest income as an item not providing cash in accretion of deferred income, premiums, discounts and other. This was previously included in net changes in prepaid expenses and other assets. For the item related to investments in tax credit partnerships, the Company is now including the amounts invested as an item using cash in the investing activities section. This was previously included in net changes in prepaid expenses and other assets in the operating activities section. The Company assessed the materiality of this change in presentation on prior period consolidated financial statements in accordance with SEC Staff Accounting Bulletin No. 99, “Materiality,” (ASC Topic 250, Accounting Changes and Error Corrections A summary of corrections reflecting the prior period impacts to the Company’s Consolidated Statements of Cash Flows are shown below (in thousands of dollars): For the Year Ended December 31, 2022 As Previously Presented Net Change As Corrected Operating Activities Accretion of deferred income, premiums, discounts and other $ (7,719) $ (8,123) $ (15,842) Prepaid expenses and other assets (24,248) 26,389 2,141 Net cash provided by operating activities 66,580 18,266 84,846 Investing Activities Investment in tax credit partnerships — (18,266) (18,266) Net cash used in investing activities (801,280) (18,266) (819,546) For the Year Ended December 31, 2021 As Previously Presented Net Change As Corrected Operating Activities Accretion of deferred income, premiums, discounts and other $ (10,262) $ (8,123) $ (18,385) Prepaid expenses and other assets 3,257 16,889 20,146 Net cash provided by operating activities 84,976 8,766 93,742 Investing Activities Investment in tax credit partnerships — (8,766) (8,766) Net cash provided by investing activities 190,713 (8,766) 181,947
Reclassifications	Reclassifications Prior period consolidated financial statements are reclassified whenever necessary to conform to the current period presentation.
Investments in Affordable Housing 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, 2023, the Company had 22 such investments, with a net carrying value of $66.3 million. At December 31, 2022, the Company had 19 such investments, with a net carrying value of $38.4 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 2034 were $75.9 million as of December 31, 2023, 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 completed and funded as planned. The Company’s usage of federal affordable housing tax credits approximated $
Investments in Community Development Entities	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, 2023 the Company had one such investment, with a net carrying value of . 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 credit allowance period. In each of the first three years, credits totaling 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 The Company’s usage of federal New Market Tax Credits approximated $100,000, $100,000 and $100,000 during 2023, 2022 and 2021, respectively. Investment amortization amounted to $
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. At December 31, 2023 the Company had one such investment, with a net carrying value of $415,000. At December 31, 2022 the Company had one such investment, with a net carrying value of $629,000. Under prior tax law, 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. Currently, such partnerships provide federal rehabilitation/historic tax credits over a five-year credit allowance period.
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.

Nature of Operations and Summ_3

Nature of Operations and Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2023
Nature of Operations and Summary of Significant Accounting Policies
Schedule of goodwill and intangible assets	December 31, 2023 2022 (In Thousands) Goodwill – Branch acquisitions $ 5,396 $ 5,396 Deposit intangibles Fifth Third Bank (January 2016) — 53 Arena Naming Rights (April 2022) 5,131 5,364 5,131 5,417 $ 10,527 $ 10,813
Schedule of earnings per common share	2023 2022 2021 (In Thousands, Except Per Share Data) Net income and net income available to common shareholders $ 67,800 $ 75,948 $ 74,627 Average common shares outstanding 11,992 12,516 13,558 Average common share stock options outstanding 88 91 116 Average diluted common shares 12,080 12,607 13,674 Earnings per common share – basic $ 5.65 $ 6.07 $ 5.50 Earnings per common share – diluted $ 5.61 $ 6.02 $ 5.46
Schedule of Company's Consolidated Statements of Cash Flows	A summary of corrections reflecting the prior period impacts to the Company’s Consolidated Statements of Cash Flows are shown below (in thousands of dollars): For the Year Ended December 31, 2022 As Previously Presented Net Change As Corrected Operating Activities Accretion of deferred income, premiums, discounts and other $ (7,719) $ (8,123) $ (15,842) Prepaid expenses and other assets (24,248) 26,389 2,141 Net cash provided by operating activities 66,580 18,266 84,846 Investing Activities Investment in tax credit partnerships — (18,266) (18,266) Net cash used in investing activities (801,280) (18,266) (819,546) For the Year Ended December 31, 2021 As Previously Presented Net Change As Corrected Operating Activities Accretion of deferred income, premiums, discounts and other $ (10,262) $ (8,123) $ (18,385) Prepaid expenses and other assets 3,257 16,889 20,146 Net cash provided by operating activities 84,976 8,766 93,742 Investing Activities Investment in tax credit partnerships — (8,766) (8,766) Net cash provided by investing activities 190,713 (8,766) 181,947

Investments in Securities (Tabl

Investments in Securities (Tables)	12 Months Ended
Investments in Securities (Tables)	Dec. 31, 2023
Investments in Securities
Schedule of amortized cost and fair values of securities	December 31, 2023 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) AVAILABLE-FOR-SALE SECURITIES: Agency mortgage-backed securities $ 316,114 $ 7 $ 35,890 $ 280,231 Agency collateralized mortgage obligations 85,989 — 10,043 75,946 States and political subdivisions securities 59,141 527 1,531 58,137 Small Business Administration securities 70,648 — 6,755 63,893 $ 531,892 $ 534 $ 54,219 $ 478,207 December 31, 2023 Amortized Gross Gross Amortized Fair Value Carrying Unrealized Unrealized Fair Cost Adjustment Value Gains Losses Value (In Thousands) HELD-TO-MATURITY SECURITIES: Agency mortgage-backed securities $ 72,495 $ 2,436 $ 74,931 $ — $ 8,686 $ 66,245 Agency collateralized mortgage obligations 116,405 (2,502) 113,903 — 14,662 99,241 States and political subdivisions 6,188 1 6,189 — 482 5,707 $ 195,088 $ (65) $ 195,023 $ — $ 23,830 $ 171,193 December 31, 2022 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) AVAILABLE-FOR-SALE SECURITIES: Agency mortgage-backed securities $ 327,266 $ — $ 40,784 $ 286,482 Agency collateralized mortgage obligations 90,205 — 11,731 78,474 States and political subdivisions securities 60,667 119 3,291 57,495 Small Business Administration securities 75,076 — 6,935 68,141 $ 553,214 $ 119 $ 62,741 $ 490,592 December 31, 2022 Amortized Gross Gross Amortized Fair Value Carrying Unrealized Unrealized Fair Cost Adjustment Value Gains Losses Value (In Thousands) HELD-TO-MATURITY SECURITIES: Agency mortgage-backed securities $ 73,891 $ 3,015 $ 76,906 $ — $ 9,820 $ 67,086 Agency collateralized mortgage obligations 122,247 (2,885) 119,362 — 14,129 105,233 States and political subdivisions 6,239 (12) 6,227 — 781 5,446 $ 202,377 $ 118 $ 202,495 $ — $ 24,730 $ 177,765
Schedule of amortized cost and fair value of available-for-sale and held-to-maturity securities by contractual maturity	Available-for-Sale Held-to-Maturity Amortized Fair Amortized Fair Cost Value Carrying Value Value (In Thousands) One year or less $ — $ — $ — $ — After one through two years — — — — After two through three years — — — — After three through four years 245 245 — — After four through five years 952 981 — — After five through fifteen years 9,682 9,634 3,247 2,986 After fifteen years 48,262 47,277 2,942 2,721 Securities not due on a single maturity date 472,751 420,070 188,834 165,486 $ 531,892 $ 478,207 $ 195,023 $ 171,193
Schedule of amortized cost and fair values of securities pledged as collateral	2023 2022 Amortized Fair Amortized Fair Cost Value Cost Value (In Thousands) Public deposits $ 17,412 $ 15,225 $ 15,402 $ 13,489 Collateralized borrowing accounts 123,220 109,660 210,330 186,170 Other 3,815 3,507 4,018 3,764 $ 144,447 $ 128,392 $ 229,750 $ 203,423
Schedule of 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	2023 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) AVAILABLE-FOR-SALE SECURITIES: Agency mortgage-backed securities $ 4,318 $ (9) $ 274,801 $ (35,881) $ 279,119 $ (35,890) Agency collateralized mortgage obligations 9,080 (216) 66,866 (9,827) 75,946 (10,043) Small Business Administration securities 7,782 (133) 56,111 (6,622) 63,893 (6,755) States and political subdivisions securities — — 37,969 (1,531) 37,969 (1,531) $ 21,180 $ (358) $ 435,747 $ (53,861) $ 456,927 $ (54,219) HELD-TO-MATURITY SECURITIES: Agency mortgage-backed securities $ — $ — $ 66,245 $ (8,686) $ 66,245 $ (8,686) Agency collateralized mortgage obligations — — 99,241 (14,662) 99,241 (14,662) States and political subdivisions securities — — 5,707 (482) 5,707 (482) $ — $ — $ 171,193 $ (23,830) $ 171,193 $ (23,830) 2022 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) AVAILABLE-FOR-SALE SECURITIES: Agency mortgage-backed securities $ 221,562 $ (27,597) $ 64,918 $ (13,187) $ 286,480 $ (40,784) Agency collateralized mortgage obligations 28,537 (3,262) 40,642 (8,469) 69,179 (11,731) Small Business Administration securities 60,473 (5,224) 7,667 (1,711) 68,140 (6,935) States and political subdivisions securities 44,455 (2,913) 3,753 (378) 48,208 (3,291) $ 355,027 $ (38,996) $ 116,980 $ (23,745) $ 472,007 $ (62,741) HELD-TO-MATURITY SECURITIES: Agency mortgage-backed securities $ 59,218 $ (7,766) $ 7,868 $ (2,054) $ 67,086 $ (9,820) Agency collateralized mortgage obligations 61,055 (6,411) 44,178 (7,718) 105,233 (14,129) States and political subdivisions securities 900 (101) 4,546 (680) 5,446 (781) $ 121,173 $ (14,278) $ 56,592 $ (10,452) $ 177,765 $ (24,730)

Loans and Allowance for Credi_2

Loans and Allowance for Credit Losses (Tables)	12 Months Ended
Loans and Allowance for Credit Losses (Tables)	Dec. 31, 2023
Loans and Allowance for Credit Losses
Schedule of classes of loans	December 31, December 31, 2023 2022 (In Thousands) One- to four-family residential construction $ 29,628 $ 33,849 Subdivision construction 23,359 32,067 Land development 48,015 41,613 Commercial construction 703,407 757,690 Owner occupied one- to four-family residential 769,260 778,533 Non-owner occupied one- to four-family residential 121,275 124,870 Commercial real estate 1,521,032 1,530,663 Other residential 942,071 781,761 Commercial business 318,050 293,228 Industrial revenue bonds 12,047 12,852 Consumer auto 28,343 37,281 Consumer other 28,978 33,732 Home equity lines of credit 115,883 123,242 4,661,348 4,581,381 Allowance for credit losses (64,670) (63,480) Deferred loan fees and gains, net (7,058) (11,065) $ 4,589,620 $ 4,506,836
Schedule of classes of loans by aging as of the dates indicated	December 31, 2023 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 $ — $ — $ — $ — $ 29,628 $ 29,628 $ — Subdivision construction — — — — 23,359 23,359 — Land development — — 384 384 47,631 48,015 — Commercial construction — — — — 703,407 703,407 — Owner occupied one- to four- family residential 2,778 125 722 3,625 765,635 769,260 — Non-owner occupied one- to four-family residential — — — — 121,275 121,275 — Commercial real estate 187 92 10,552 10,831 1,510,201 1,521,032 — Other residential 9,572 — — 9,572 932,499 942,071 — Commercial business — — 31 31 318,019 318,050 — Industrial revenue bonds — — — — 12,047 12,047 — Consumer auto 116 65 8 189 28,154 28,343 — Consumer other 137 — 42 179 28,799 28,978 — Home equity lines of credit 335 26 9 370 115,513 115,883 — Total $ 13,125 $ 308 $ 11,748 $ 25,181 $ 4,636,167 $ 4,661,348 $ — December 31, 2022 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 $ — $ — $ — $ — $ 33,849 $ 33,849 $ — Subdivision construction — — — — 32,067 32,067 — Land development — — 384 384 41,229 41,613 — Commercial construction — — — — 757,690 757,690 — Owner occupied one- to four- family residential 2,568 462 722 3,752 774,781 778,533 — Non-owner occupied one- to four-family residential — 63 — 63 124,807 124,870 — Commercial real estate 196 — 1,579 1,775 1,528,888 1,530,663 — Other residential — — — — 781,761 781,761 — Commercial business 8 — 586 594 292,634 293,228 — Industrial revenue bonds — — — — 12,852 12,852 — Consumer auto 100 34 14 148 37,133 37,281 — Consumer other 288 114 111 513 33,219 33,732 — Home equity lines of credit 234 38 274 546 122,696 123,242 — Total $ 3,394 $ 711 $ 3,670 $ 7,775 $ 4,573,606 $ 4,581,381 $ —
Schedule of non-accruing loans	December 31, December 31, 2023 2022 (In Thousands) One- to four-family residential construction $ — $ — Subdivision construction — — Land development 384 384 Commercial construction — — Owner occupied one- to four-family residential 722 722 Non-owner occupied one- to four-family residential — — Commercial real estate 10,552 1,579 Other residential — — Commercial business 31 586 Industrial revenue bonds — — Consumer auto 8 14 Consumer other 42 111 Home equity lines of credit 9 274 Total non-accruing loans $ 11,748 $ 3,670
Schedule of activity in the allowance for credit losses and unfunded commitments by portfolio segment	One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for credit losses Balance, January 1, 2023 $ 11,171 $ 12,110 $ 27,096 $ 2,865 $ 5,822 $ 4,416 $ 63,480 Provision (credit) charged to expense (1,390) 1,260 930 (27) 1,909 (432) 2,250 Losses charged off (31) — — — (1,037) (1,754) (2,822) Recoveries 70 — 145 6 241 1,300 1,762 Balance, December 31, 2023 $ 9,820 $ 13,370 $ 28,171 $ 2,844 $ 6,935 $ 3,530 $ 64,670 Allowance for credit losses Balance, December 31, 2021 $ 9,364 $ 10,502 $ 28,604 $ 2,797 $ 4,142 $ 5,345 $ 60,754 Provision (credit) charged to expense 1,652 1,498 (1,465) 152 1,491 (328) 3,000 Losses charged off (40) — (44) (84) (51) (1,950) (2,169) Recoveries 195 110 1 — 240 1,349 1,895 Balance, December 31, 2022 $ 11,171 $ 12,110 $ 27,096 $ 2,865 $ 5,822 $ 4,416 $ 63,480 Allowance for credit losses Balance, December 31, 2020 $ 4,536 $ 9,375 $ 33,707 $ 3,521 $ 2,390 $ 2,214 $ 55,743 CECL adoption 4,533 5,832 (2,531) (1,165) 1,499 3,427 11,595 Balance, January 1, 2021 9,069 15,207 31,176 2,356 3,889 5,641 67,338 Provision (credit) charged to expense — (4,797) (2,478) 575 — — (6,700) Losses charged off (190) — (142) (154) (81) (2,054) (2,621) Recoveries 485 92 48 20 334 1,758 2,737 Balance, December 31, 2021 $ 9,364 $ 10,502 $ 28,604 $ 2,797 $ 4,142 $ 5,345 $ 60,754 One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for unfunded commitments Balance, January 1, 2023 $ 736 $ 8,624 $ 416 $ 802 $ 1,734 $ 504 $ 12,816 Provision (credit) charged to expense (30) (4,618) 203 (61) (775) (48) (5,329) Balance, December 31, 2023 $ 706 $ 4,006 $ 619 $ 741 $ 959 $ 456 $ 7,487 Allowance for unfunded commitments Balance, December 31, 2021 $ 687 $ 5,703 $ 367 $ 908 $ 1,582 $ 382 $ 9,629 Provision (credit) charged to expense 49 2,921 49 (106) 152 122 3,187 Balance, December 31, 2022 $ 736 $ 8,624 $ 416 $ 802 $ 1,734 $ 504 $ 12,816 Allowance for unfunded commitments Balance, December 31, 2020 $ — $ — $ — $ — $ — $ — $ — CECL adoption 917 5,227 354 910 935 347 8,690 Balance, January 1, 2021 917 5,227 354 910 935 347 8,690 Provision (credit) charged to expense (230) 476 13 (2) 647 35 939 Balance, December 31, 2021 $ 687 $ 5,703 $ 367 $ 908 $ 1,582 $ 382 $ 9,629
Schedule of amortized cost basis of collateral-dependent loans by class of loans	December 31, 2023 Principal Specific Balance Allowance (In Thousands) One- to four-family residential construction $ — $ — Subdivision construction — — Land development 384 — Commercial construction — — Owner occupied one- to four-family residential 691 29 Non-owner occupied one- to four-family residential — — Commercial real estate 10,548 1,200 Other residential 7,162 — Commercial business — — Industrial revenue bonds — — Consumer auto — — Consumer other — — Home equity lines of credit — — Total $ 18,785 $ 1,229 December 31, 2022 Principal Specific Balance Allowance (In Thousands) One- to four-family residential construction $ — $ — Subdivision construction — — Land development 384 — Commercial construction — — Owner occupied one- to four-family residential 1,637 40 Non-owner occupied one- to four-family residential — — Commercial real estate 1,571 — Other residential — — Commercial business 586 125 Industrial revenue bonds — — Consumer auto — — Consumer other 160 80 Home equity lines of credit 135 — Total $ 4,473 $ 245
Schedule of loan modifications made to borrowers experiencing financial difficulty by the loan portfolio and type of concessions granted	Year Ended December 31, 2023 Interest Rate Term Total Reduction Extension Combination Modifications (In Thousands) Construction and land development $ — $ — $ 1,553 $ 1,553 One- to four-family residential — — — — Other residential — 2,750 — 2,750 Commercial real estate — 77 20,365 20,442 Commercial business — — — — Consumer 5 7 — 12 $ 5 $ 2,834 $ 21,918 $ 24,757
Schedule of performance of loans that are modified	December 31, 2023 30-89 Days Over 90 Days Current Past Due Past Due Total (In Thousands) Construction and land development $ 1,553 $ — $ — $ 1,553 One- to four-family residential — — — — Other residential 2,750 — — 2,750 Commercial real estate 12,384 — 8,058 20,442 Commercial business — — — — Consumer 12 — — 12 $ 16,699 $ — $ 8,058 $ 24,757
Schedule of TDRs by class	December 31, 2022 Accruing TDR Loans Non-accruing TDR Loans Total TDR Loans Number Balance Number Balance Number Balance (In Thousands) Construction and land development — $ — — $ — — $ — One- to four-family residential 13 1,028 3 98 16 1,126 Other residential — — — — — — Commercial real estate — — 2 1,571 2 1,571 Commercial business — — — — — — Consumer 13 210 5 42 18 252 26 $ 1,238 10 $ 1,711 36 $ 2,949
Schedule of newly restructured loans, which were considered TDRs by type of modification	2022 Total Interest Only Term Combination Modification (In Thousands) Residential one-to-four family $ — $ — $ 32 $ 32 Commercial real estate — — 247 247 Commercial business — — — — Consumer — 4 3 7 $ — $ 4 $ 282 $ 286 2021 Total Interest Only Term Combination Modification (In Thousands) Residential one-to-four family $ 31 $ 202 $ 134 $ 367 Commercial real estate 1,768 — — 1,768 Commercial business — — — — Consumer — 259 11 270 $ 1,799 $ 461 $ 145 $ 2,405
Schedule of loans by category and risk rating separated by origination and loan class	The following tables present a summary of loans by category and risk rating separated by origination and loan class as of December 31, 2023 and 2022. Term Loans by Origination Year Revolving 2023 2022 2021 2020 2019 Prior Loans Total (In Thousands) One- to four-family residential construction Satisfactory (1-4) $ 12,528 $ 9,878 $ 41 $ — $ — $ — $ 7,181 $ 29,628 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — — — Total 12,528 9,878 41 — — — 7,181 29,628 Current Period Gross Charge Offs — — — — — — — — Subdivision construction Satisfactory (1-4) 532 1,022 21,333 43 64 365 — 23,359 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — — — Total 532 1,022 21,333 43 64 365 — 23,359 Current Period Gross Charge Offs — — — — — — — — Construction and land development Satisfactory (1-4) 14,860 12,564 5,658 3,682 5,458 4,531 878 47,631 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — 384 384 Total 14,860 12,564 5,658 3,682 5,458 4,531 1,262 48,015 Current Period Gross Charge Offs — — — — — — — — Other construction Satisfactory (1-4) 60,895 422,727 203,918 15,867 — — — 703,407 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — — — Total 60,895 422,727 203,918 15,867 — — — 703,407 Current Period Gross Charge Offs — — — — — — — — One- to four-family residential Satisfactory (1-4) 66,733 330,489 203,781 108,232 60,288 118,570 483 888,576 Watch (5) — — — — 171 862 46 1,079 Special Mention (6) — — — — — — — — Classified (7-9) — — 543 148 — 189 — 880 Total 66,733 330,489 204,324 108,380 60,459 119,621 529 890,535 Current Period Gross Charge Offs — — — — — 11 20 31 Other residential Satisfactory (1-4) 18,795 108,389 391,516 180,916 108,173 111,462 3,335 922,586 Watch (5) — — — — — — — — Special Mention (6) — — — — — 12,322 — 12,322 Classified (7-9) — — — — — 7,163 — 7,163 Total 18,795 108,389 391,516 180,916 108,173 130,947 3,335 942,071 Current Period Gross Charge Offs — — — — — — — — Commercial real estate Satisfactory (1-4) 53,158 284,738 237,822 103,393 161,680 624,515 35,276 1,500,582 Watch (5) — — — — 154 5,348 — 5,502 Special Mention (6) — — — — — 4,396 — 4,396 Classified (7-9) — — — — — 10,552 — 10,552 Total 53,158 284,738 237,822 103,393 161,834 644,811 35,276 1,521,032 Current Period Gross Charge Offs — — — — — — — — Commercial business Satisfactory (1-4) 58,551 92,224 30,361 15,371 10,043 55,044 57,177 318,771 Watch (5) — — — — — 1,369 — 1,369 Special Mention (6) — 1,186 3,840 — — — 4,900 9,926 Classified (7-9) — — 4 27 — — — 31 Total 58,551 93,410 34,205 15,398 10,043 56,413 62,077 330,097 Current Period Gross Charge Offs — 7 — — — 1,030 — 1,037 Consumer Satisfactory (1-4) 16,629 12,010 6,163 2,811 828 12,089 122,166 172,696 Watch (5) — 3 21 6 3 201 154 388 Special Mention (6) — — — — — — 8 8 Classified (7-9) — 42 12 — — 49 9 112 Total 16,629 12,055 6,196 2,817 831 12,339 122,337 173,204 Current Period Gross Charge Offs 4 135 24 3 18 1,493 97 1,754 Combined Satisfactory (1-4) 302,681 1,274,041 1,100,593 430,315 346,534 926,576 226,496 4,607,236 Watch (5) — 3 21 6 328 7,780 200 8,338 Special Mention (6) — 1,186 3,840 — — 16,718 4,908 26,652 Classified (7-9) — 42 559 175 — 17,953 393 19,122 Total $ 302,681 $ 1,275,272 $ 1,105,013 $ 430,496 $ 346,862 $ 969,027 $ 231,997 $ 4,661,348 Current Period Gross Charge Offs $ 4 $ 142 $ 24 $ 3 $ 18 $ 2,534 $ 97 $ 2,822 Term Loans by Origination Year Revolving 2022 2021 2020 2019 2018 Prior Loans Total (In Thousands) One- to four-family residential construction Satisfactory (1-4) $ 21,885 $ 7,265 $ 1,391 $ — $ — $ — $ 3,308 $ 33,849 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — — — Total 21,885 7,265 1,391 — — — 3,308 33,849 Current Period Gross Charge Offs — — — — — — — — Subdivision construction Satisfactory (1-4) 4,478 25,864 800 203 134 588 — 32,067 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — — — Total 4,478 25,864 800 203 134 588 — 32,067 Current Period Gross Charge Offs — — — — — — — — Construction and land development Satisfactory (1-4) 16,746 6,914 4,866 7,338 762 3,990 613 41,229 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — 384 384 Total 16,746 6,914 4,866 7,338 762 3,990 997 41,613 Current Period Gross Charge Offs — — — — — — 84 84 Other construction Satisfactory (1-4) 113,512 446,125 176,340 21,713 — — — 757,690 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — — — Total 113,512 446,125 176,340 21,713 — — — 757,690 Current Period Gross Charge Offs — — — — — — — — One- to four-family residential Satisfactory (1-4) 340,886 219,504 128,509 73,162 39,685 97,236 687 899,669 Watch (5) — — — 179 88 1,341 57 1,665 Special Mention (6) — — — — — — — — Classified (7-9) — — 158 — — 1,832 79 2,069 Total 340,886 219,504 128,667 73,341 39,773 100,409 823 903,403 Current Period Gross Charge Offs — — — — — 39 1 40 Other residential Satisfactory (1-4) 83,822 133,648 168,232 142,630 122,614 123,538 3,939 778,423 Watch (5) — — — — — 3,338 — 3,338 Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — — — Total 83,822 133,648 168,232 142,630 122,614 126,876 3,939 781,761 Current Period Gross Charge Offs — — — — — — — — Commercial real estate Satisfactory (1-4) 221,341 171,484 109,939 203,426 185,682 577,216 36,658 1,505,746 Watch (5) — — — — — 23,338 — 23,338 Special Mention (6) — — — — — — — — Classified (7-9) — — — — — 1,579 — 1,579 Total 221,341 171,484 109,939 203,426 185,682 602,133 36,658 1,530,663 Current Period Gross Charge Offs — — — — — 44 — 44 Commercial business Satisfactory (1-4) 45,349 66,258 39,645 15,505 9,309 65,307 64,088 305,461 Watch (5) — — — — — 34 — 34 Special Mention (6) — — — — — — — — Classified (7-9) — — — — — 394 191 585 Total 45,349 66,258 39,645 15,505 9,309 65,735 64,279 306,080 Current Period Gross Charge Offs — — — — — — 51 51 Consumer Satisfactory (1-4) 21,309 11,168 5,711 2,708 3,263 16,380 132,792 193,331 Watch (5) — 28 — 7 — 160 100 295 Special Mention (6) — — — — — — — — Classified (7-9) — 11 9 — 2 248 359 629 Total 21,309 11,207 5,720 2,715 3,265 16,788 133,251 194,255 Current Period Gross Charge Offs 19 66 7 49 59 1,594 156 1,950 Combined Satisfactory (1-4) 869,328 1,088,230 635,433 466,685 361,449 884,255 242,085 4,547,465 Watch (5) — 28 — 186 88 28,211 157 28,670 Special Mention (6) — — — — — — — — Classified (7-9) — 11 167 — 2 4,053 1,013 5,246 Total $ 869,328 $ 1,088,269 $ 635,600 $ 466,871 $ 361,539 $ 916,519 $ 243,255 $ 4,581,381 Current Period Gross Charge Offs $ 19 $ 66 $ 7 $ 49 $ 59 $ 1,677 $ 292 $ 2,169
Schedule of related party transactions	2023 2022 (In Thousands) Balance, beginning of year $ 7,950 $ 10,097 New loans 10,694 3,079 Payments (2,618) (5,226) Balance, end of year $ 16,026 $ 7,950

FDIC-Assisted Acquired Loans (T

FDIC-Assisted Acquired Loans (Tables)	12 Months Ended
FDIC-Assisted Acquired Loans (Tables)	Dec. 31, 2023
FDIC-Assisted Acquired Loans
Schedule of balances of acquired loans related to the various FDIC-assisted transactions	Sun Security TeamBank Vantus Bank Bank InterBank Valley Bank (In Thousands) December 31, 2023 Carrying value of loans receivable $ 2,191 $ 3,052 $ 6,263 $ 19,727 $ 10,323 December 31, 2022 Carrying value of loans receivable $ 2,703 $ 3,983 $ 7,221 $ 24,402 $ 12,750

Other Real Estate Owned and R_2

Other Real Estate Owned and Repossessions (Tables)	12 Months Ended
Other Real Estate Owned and Repossessions (Tables)	Dec. 31, 2023
Other Real Estate Owned and Repossessions
Schedule of major classifications of other real estate owned	2023 2022 (In Thousands) Foreclosed assets held for sale and repossessions One- to four-family construction $ — $ — Subdivision construction — — Land development — — Commercial construction — — One- to four-family residential — — Other residential — — Commercial real estate — — Commercial business — — Consumer 23 50 Foreclosed assets held for sale and repossessions 23 50 Other real estate owned not acquired through foreclosure — 183 Other real estate owned and repossessions $ 23 $ 233
Schedule of expenses applicable to other real estate owned and repossessions	2023 2022 2021 (In Thousands) Net gains on sales of other real estate owned and repossessions $ (42) $ (149) $ (282) Valuation write-downs 81 23 211 Operating expenses, net of rental income 272 485 698 $ 311 $ 359 $ 627

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
Premises and Equipment (Tables)	Dec. 31, 2023
Premises and Equipment
Schedule of major classifications of premises and equipment, stated at cost	2023 2022 (In Thousands) Land $ 39,617 $ 39,622 Buildings and improvements 107,602 105,096 Furniture, fixtures and equipment 70,162 67,505 Operating leases right of use asset 6,621 7,397 224,002 219,620 Less accumulated depreciation 85,411 78,550 $ 138,591 $ 141,070
Schedule of calculated amounts of the right of use assets and lease liabilities	At or For the Year Ended December 31, 2023 December 31, 2022 (In Thousands) Statement of Financial Condition Operating leases right of use asset $ 6,621 $ 7,397 Operating leases liability $ 6,870 $ 7,599 Statement of Income Operating lease costs classified as occupancy and equipment expense $ 1,740 $ 1,579 (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 $ 1,681 $ 1,547 Right of use assets obtained in exchange for lease obligations: Operating leases $ 296 $ 618
Schedule of future expected lease payments for leases with terms exceeding one year	2024 $ 1,313 2025 1,297 2026 1,241 2027 1,172 2028 900 Thereafter 1,899 Future lease payments expected 7,822 Less interest portion of lease payments (952) Lease liability $ 6,870

Deposits (Tables)

Deposits (Tables)	12 Months Ended
Deposits (Tables)	Dec. 31, 2023
Deposits.
Schedule of deposits	Weighted Average Interest Rate 2023 2022 (In Thousands, Except Interest Rates) Non-interest-bearing accounts — $ 895,496 $ 1,063,588 Interest-bearing checking and savings accounts 1.67% and 0.65% 2,216,482 2,188,535 3,111,978 3,252,123 Certificate accounts 0.00% - 0.99% 86,831 280,784 1.00% - 1.99% 22,485 125,951 2.00% - 2.99% 44,354 381,547 3.00% - 3.99% 46,304 228,131 4.00% - 4.99% 739,645 4,883 5.00% and above 8,583 — 948,202 1,021,296 Brokered deposits 5.20% and 4.03% 661,528 411,491 661,528 411,491 $ 4,721,708 $ 4,684,910
Schedule of Maturities of certificates of deposit	At December 31, 2023, scheduled maturities of certificates of deposit and brokered deposits were as follows: Retail Brokered Total (In Thousands) 2024 $ 921,485 $ 266,781 $ 1,188,266 2025 19,250 296,552 315,802 2026 3,067 98,195 101,262 2027 2,394 — 2,394 2028 948 — 948 Thereafter 1,058 — 1,058 $ 948,202 $ 661,528 $ 1,609,730
Schedule of Interest Expense on Deposit Liabilities	2023 2022 2021 (In Thousands) Checking and savings accounts $ 28,579 $ 5,968 $ 4,023 Certificate accounts 29,796 8,788 8,150 Brokered deposits 30,719 6,162 989 Early withdrawal penalties (337) (242) (60) $ 88,757 $ 20,676 $ 13,102

Short-Term Borrowings (Tables)

Short-Term Borrowings (Tables)	12 Months Ended
Short-Term Borrowings (Tables)	Dec. 31, 2023
Short-Term Borrowings.
Schedule of short-term debt	2023 2022 (In Thousands) Notes payable – Community Development Equity Funds $ 1,610 $ 1,083 Securities sold under reverse repurchase agreements 70,843 176,843 Overnight borrowings from the Federal Home Loan Bank 251,000 88,500 $ 323,453 $ 266,426
Schedule of securities sold under reverse repurchase agreements, by collateral type and remaining contractual maturity	2023 2022 (In Thousands) Mortgage-backed securities – GNMA, FNMA, FHLMC $ 70,843 $ 176,843

Subordinated Debentures Issue_2

Subordinated Debentures Issued to Capital Trusts (Tables)	12 Months Ended
Subordinated Debentures Issued to Capital Trusts (Tables)	Dec. 31, 2023
Subordinated Debentures Issued to Capital Trusts
Schedule of subordinated debentures issued to capital trusts	2023 2022 (In Thousands) Subordinated debentures $ 25,774 $ 25,774

Subordinated Notes (Tables)

Subordinated Notes (Tables)	12 Months Ended
Subordinated Notes (Tables)	Dec. 31, 2023
Subordinated Notes
Summary of subordinated notes	2023 2022 (In Thousands) Subordinated notes $ 75,000 $ 75,000 Less: unamortized debt issuance costs 421 719 $ 74,579 $ 74,281

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
Income Taxes (Tables)	Dec. 31, 2023
Income Taxes
Schedule of provision for income taxes	2023 2022 2021 (In Thousands) Taxes currently payable $ 14,559 $ 15,769 $ 16,025 Deferred income taxes 2,985 2,485 3,712 Income taxes $ 17,544 $ 18,254 $ 19,737
Schedule of deferred tax assets and liabilities	December 31, 2023 2022 (In Thousands) Deferred tax assets Allowance for credit losses $ 15,911 $ 15,618 Liability for unfunded commitments 1,842 3,153 Interest on nonperforming loans 71 66 Accrued expenses and other 1,676 1,341 Capital loss carryforward 150 67 Unrealized loss on available-for-sale securities 13,208 15,407 Unrealized loss on securities transferred to held-to-maturity securities 16 — Unrealized loss on active cash flow derivatives 4,255 7,695 Income recognized for tax in excess of book related to terminated cash flow derivatives 3,532 5,530 Deferred income 124 290 Difference in basis for acquired assets and liabilities 353 686 41,138 49,853 Deferred tax liabilities Tax depreciation in excess of book depreciation (7,697) (8,210) FHLB stock dividends (337) (337) Partnership tax credits (998) (668) Prepaid expenses (1,373) (1,196) Unrealized gain on securities transferred to held-to-maturity securities — (29) Unrealized gain on terminated cash flow derivatives (3,532) (5,530) Other (277) (235) (14,214) (16,205) Net deferred tax asset $ 26,924 $ 33,648
Schedule of reconciliations of the company's effective tax rates to the statutory corporate tax rates	2023 2022 2021 Tax at statutory rate 21.0 % 21.0 % 21.0 % Nontaxable interest and dividends (0.5) (0.5) (0.3) Tax credits (2.7) (1.6) (1.8) State taxes 1.7 1.8 1.3 Deferred tax rate change benefit — (0.6) — Other 1.1 (0.7) 0.7 20.6 % 19.4 % 20.9 %

Disclosures About Fair Value _2

Disclosures About Fair Value of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2023
Disclosures About Fair Value of Financial Instruments
Schedule of fair value measurements of assets recognized in the accompanying statements of financial condition measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements	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, 2023 Available-for-sale securities Agency mortgage-backed securities $ 280,231 $ — $ 280,231 $ — Agency collateralized mortgage obligations 75,946 — 75,946 — States and political subdivisions securities 58,137 — 58,137 — Small Business Administration securities 63,893 — 63,893 — Interest rate derivative asset 8,205 — 8,205 — Interest rate derivative liability (25,336) — (25,336) — December 31, 2022 Available-for-sale securities Agency mortgage-backed securities $ 286,482 $ — $ 286,482 $ — Agency collateralized mortgage obligations 78,474 — 78,474 — States and political subdivisions securities 57,495 — 57,495 — Small Business Administration securities 68,141 — 68,141 — Interest rate derivative asset 11,061 — 11,061 — Interest rate derivative liability (42,097) — (42,097) —
Schedule of fair value measurements of assets measured at fair value on a 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, 2023 Collateral-dependent loans $ 7,372 $ — $ — $ 7,372 December 31, 2022 Collateral-dependent loans $ 785 $ — $ — $ 785
Schedule of estimated fair values of the Company's financial instruments not recorded at fair value on the statements of financial condition	December 31, 2023 December 31, 2022 Carrying Fair Hierarchy Carrying Fair Hierarchy Amount Value Level Amount Value Level (Dollars in Thousands) Financial assets Cash and cash equivalents $ 211,333 $ 211,333 1 $ 168,520 $ 168,520 1 Held-to-maturity securities 195,023 171,193 2 202,495 177,765 2 Mortgage loans held for sale 5,849 5,849 2 4,811 4,811 2 Loans, net of allowance for credit losses 4,589,620 4,402,314 3 4,506,836 4,391,084 3 Interest receivable 21,206 21,206 3 19,107 19,107 3 Investment in FHLB stock and other assets 26,313 26,313 3 30,814 30,814 3 Financial liabilities Deposits 4,721,708 4,714,624 3 4,684,910 4,672,913 3 Short-term borrowings 323,453 323,453 3 266,426 266,426 3 Subordinated debentures 25,774 25,774 3 25,774 25,774 3 Subordinated notes 74,579 71,625 2 74,281 72,000 2 Interest payable 6,225 6,225 3 3,010 3,010 3 Unrecognized financial instruments (net of contractual value) Commitments to originate loans — — 3 — — 3 Letters of credit 78 78 3 73 73 3 Lines of credit — — 3 — — 3

Derivatives and Hedging Activ_2

Derivatives and Hedging Activities (Tables)	12 Months Ended
Derivatives and Hedging Activities (Tables)	Dec. 31, 2023
Derivatives and Hedging Activities
Schedule of fair value of derivative Instruments and location in statements of financials	Location in Fair Value Consolidated Statements December 31, December 31, of Financial Condition 2023 2022 (In Thousands) Derivatives designated as hedging instruments Derivative Liabilities Active interest rate swaps Accrued expenses and other liabilities $ 17,296 $ 31,277 Total derivatives designated as hedging instruments $ 17,296 $ 31,277 Derivatives not designated as hedging instruments Derivative Assets Interest rate products Prepaid expenses and other assets $ 8,205 $ 11,061 Total derivatives not designated as hedging instruments $ 8,205 $ 11,061 Derivative Liabilities Interest rate products Accrued expenses and other liabilities $ 8,040 $ 10,820 Total derivatives not designated as hedging instruments $ 8,040 $ 10,820
Schedule of effect of cash flow hedge accounting through accumulated other comprehensive income on statements of comprehensive income	Amount of Gain (Loss) Recognized in AOCI Year Ended December 31, Cash Flow Hedges 2023 2022 2021 (In Thousands) Terminated interest rate swaps, net of income taxes $ (6,267) $ (6,271) $ (6,271) Active interest rate swaps, net of income taxes 10,541 (23,582) — $ 4,274 $ (29,853) $ (6,271)
Schedule of effect of cash flow hedge accounting on statements of operations	Year Ended December 31, Cash Flow Hedges 2023 2022 2021 Interest Interest Interest Interest Interest Interest Income Expense Income Expense Income Expense (In Thousands) Terminated interest rate swaps $ 8,122 $ — $ 8,123 $ — $ 8,123 $ — Active interest rate swaps (17,618) — (941) — — — $ (9,496) $ — $ 7,182 $ — $ 8,123 $ —

Additional Cash Flow Informat_2

Additional Cash Flow Information (Tables)	12 Months Ended
Additional Cash Flow Information (Tables)	Dec. 31, 2023
Additional Cash Flow Information
Schedule of cash flow, supplemental disclosures	Year Ended December 31, 2023 2022 2021 (In Thousands) Noncash Investing and Financing Activities Real estate acquired in settlement of loans $ 142 $ 371 $ 1,154 Transfer of available-for-sale securities to held-to-maturity — 226,500 — Conversion of premises and equipment to foreclosed assets — — 1,215 Dividends declared but not paid 4,722 4,893 4,727 Additional Cash Payment Information Interest paid 100,405 24,999 22,700 Income taxes paid 7,888 10,258 12,959

Stock Compensation Plans (Table

Stock Compensation Plans (Tables)	12 Months Ended
Stock Compensation Plans (Tables)	Dec. 31, 2023
Stock Compensation Plans
Schedule of share-based compensation, stock options, activity	Shares Weighted Available Under Average to Grant Option Exercise Price Balance, January 1, 2021 245,350 971,107 $ 48.079 Granted from 2018 Plan (202,700) 202,700 57.980 Exercised — (91,285) 40.532 Forfeited from terminated plan(s) — (5,197) 44.563 Forfeited from current plan(s) 44,022 (44,022) 52.256 Balance, December 31, 2021 86,672 1,033,303 50.528 Granted from 2018 Plan (2,500) 2,500 61.550 Forfeited from terminated plan(s) 39,235 (39,235) 52.523 Termination of 2018 Plan (123,407) — — Available to Grant from 2022 Plan 900,000 — — Granted from 2022 Plan (205,900) 205,900 61.505 Exercised — (136,801) 42.149 Forfeited from current plan(s) 750 (750) 61.550 Balance, December 31, 2022 694,850 1,064,917 53.671 Forfeited from terminated plan(s) — (9,100) 51.123 Granted from 2022 Plan (210,300) 210,300 53.166 Exercised — (22,762) 38.830 Forfeited from current plan(s) 3,050 (3,050) 61.550 Balance, December 31, 2023 487,600 1,240,305 $ 53.857
Schedule of fair value option pricing model assumptions	2023 2022 2021 Expected dividends per share $ 1.60 $ 1.60 $ 1.44 Risk-free interest rate 4.51 % 3.77 % 1.24 % Expected life of options 6 years 6 years 5 years Expected volatility 23.69 % 23.70 % 28.33 % Weighted average fair value of options granted during year $ 11.69 $ 13.46 $ 11.56
Schedule of share-based compensation, activity	Weighted Weighted Average Average Remaining Exercise Contractual Options Price Term Options outstanding, January 1, 2023 1,064,917 $ 53.671 7.13 years Granted 210,300 53.166 Exercised (22,762) 38.830 Forfeited (12,150) 53.741 Options outstanding, December 31, 2023 1,240,305 53.857 6.74 years Options exercisable, December 31, 2023 571,490 $ 51.688 4.64 years
Schedule of nonvested share activity	Weighted Weighted Average Average Exercise Grant Date Options Price Fair Value Nonvested options, January 1, 2023 636,844 $ 56.073 $ 11.117 Granted 210,300 53.166 11.681 Vested this period (169,592) 53.882 9.755 Nonvested options forfeited (8,737) 56.347 11.299 Nonvested options, December 31, 2023 668,815 $ 55.711 $ 11.640
Schedule of share-based compensation arrangement by share-based payment award, options, vested and expected to vest, exercisable	The following table further summarizes information about stock options outstanding at December 31, 2023: Options Outstanding Weighted Options Exercisable Average Weighted Weighted Remaining Average Average Number Contractual Exercise Number Exercise Range of Exercise Prices Outstanding Term Price Exercisable Price $32.590 to 38.610 26,906 0.96 years $ 33.317 26,906 $ 33.317 $41.300 to 41.740 200,538 5.71 years 41.628 119,930 41.552 $50.250 to 59.750 668,327 6.87 years 54.686 316,725 54.194 $60.150 to 62.010 344,534 7.55 years 60.971 107,929 60.176 1,240,305 6.74 years $ 53.857 571,490 $ 51.688

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Tables)	12 Months Ended
Accumulated Other Comprehensive Income (Tables)	Dec. 31, 2023
Accumulated Other Comprehensive Income
Schedule of amounts in accumulated other comprehensive income (loss) to be recognized over next fiscal year	The components of accumulated other comprehensive income (AOCI), included in stockholders’ equity, are as follows: 2023 2022 (In Thousands) Net unrealized gain (loss) on available-for-sale securities $ (53,685) $ (62,622) Net unrealized gain (loss) on held-to-maturity securities (65) 118 Net unrealized gain (loss) on active derivatives used for cash flow hedges (17,296) (31,277) Net unrealized gain on terminated derivatives used for cash flow hedges 14,354 22,478 (56,692) (71,303) Tax effect 14,211 17,948 Net-of-tax amount $ (42,481) $ (53,355)
Schedule of amounts reclassified from accumulated other comprehensive income	Amounts reclassified from AOCI and the affected line items in the statements of income during the years ended December 31, 2023, 2022 and 2021, were as follows: Amounts Reclassified from AOCI Affected Line Item in the 2023 2022 2021 Statements of Income (In Thousands) Unrealized loss on available-for-sale securities $ — $ (130) $ — Net realized gains (losses) on Change in fair value of cash flow hedge 8,122 8,123 8,123 Amortization of realized gain on Income taxes (1,855) (1,820) (1,852) Tax (expense) benefit Total reclassifications out of AOCI $ 6,267 $ 6,173 $ 6,271

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
Regulatory Matters (Tables)	Dec. 31, 2023
Regulatory Matters
Schedule of company's and the bank's actual capital amounts and ratios	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, 2023 Total capital Great Southern Bancorp, Inc. $ 770,885 15.2 % $ 406,994 8.0 % N/A N/A Great Southern Bank $ 728,113 14.3 % $ 406,744 8.0 % $ 508,430 10.0 % Tier I capital Great Southern Bancorp, Inc. $ 632,279 12.4 % $ 305,246 6.0 % N/A N/A Great Southern Bank $ 664,545 13.1 % $ 305,058 6.0 % $ 406,744 8.0 % Tier I leverage capital Great Southern Bancorp, Inc. $ 632,279 11.0 % $ 229,992 4.0 % N/A N/A Great Southern Bank $ 664,545 11.6 % $ 229,692 4.0 % $ 287,115 5.0 % Common equity Tier I capital Great Southern Bancorp, Inc. $ 607,279 11.9 % $ 228,934 4.5 % N/A N/A Great Southern Bank $ 664,545 13.1 % $ 228,794 4.5 % $ 330,480 6.5 % As of December 31, 2022 Total capital Great Southern Bancorp, Inc. $ 746,287 13.5 % $ 440,767 8.0 % N/A N/A Great Southern Bank $ 721,616 13.1 % $ 440,683 8.0 % $ 550,854 10.0 % Tier I capital Great Southern Bancorp, Inc. $ 607,807 11.0 % $ 330,575 6.0 % N/A N/A Great Southern Bank $ 658,136 11.9 % $ 330,512 6.0 % $ 440,683 8.0 % Tier I leverage capital Great Southern Bancorp, Inc. $ 607,807 10.6 % $ 228,673 4.0 % N/A N/A Great Southern Bank $ 658,136 11.5 % $ 228,511 4.0 % $ 285,638 5.0 % Common equity Tier I capital Great Southern Bancorp, Inc. $ 582,807 10.6 % $ 247,932 4.5 % N/A N/A Great Southern Bank $ 658,136 11.9 % $ 247,884 4.5 % $ 358,055 6.5 %

Summary of Unaudited Quarterl_2

Summary of Unaudited Quarterly Operating Results (Tables)	12 Months Ended
Summary of Unaudited Quarterly Operating Results (Tables)	Dec. 31, 2023
Summary of Unaudited Quarterly Operating Results
Summary of unaudited quarterly operating results	2023 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $ 71,463 $ 73,618 $ 75,272 $ 76,482 Interest expense 18,271 25,480 28,534 31,335 Provision for credit losses on loans 1,500 — — 750 Provision (credit) for unfunded commitments (826) (1,619) (1,195) (1,689) Net realized gain (loss) on available-for-sale securities — — — — Non-interest income 7,889 7,769 7,852 6,563 Non-interest expense 34,463 34,718 35,557 36,285 Provision for income taxes 5,488 4,488 4,349 3,219 Net income available to common shareholders 20,456 18,320 15,879 13,145 Earnings per common share – diluted 1.67 1.52 1.33 1.11 2022 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $ 46,673 $ 52,698 $ 59,657 $ 67,949 Interest expense 3,407 3,867 6,759 13,330 Provision for credit losses on loans — — 2,000 1,000 Provision (credit) for unfunded commitments (193) 2,223 1,315 (159) Net realized gain (loss) on available-for-sale securities 7 — 31 (168) Non-interest income 9,176 9,319 7,984 7,661 Non-interest expense 31,268 33,004 34,758 34,336 Provision for income taxes 4,380 4,699 4,676 4,499 Net income available to common shareholders 16,987 18,224 18,133 22,604 Earnings per common share – diluted 1.30 1.44 1.46 1.84 2021 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $ 50,633 $ 50,452 $ 49,640 $ 47,948 Interest expense 6,544 5,768 4,717 3,723 Provision (credit) for credit losses on loans 300 (1,000) (3,000) (3,000) Provision (credit) for unfunded commitments — — — — Net realized gain (loss) on available-for-sale securities (674) (307) 643 1,277 Non-interest income 9,736 9,585 9,798 9,198 Non-interest expense 30,321 30,191 31,339 35,784 Provision for income taxes 5,010 5,271 5,375 4,081 Net income available to common shareholders 18,868 20,114 20,364 15,281 Earnings per common share – diluted 1.36 1.46 1.49 1.14

Condensed Parent Company Stat_2

Condensed Parent Company Statements (Tables)	12 Months Ended
Condensed Parent Company Statements (Tables)	Dec. 31, 2023
Condensed Parent Company Statements
Schedule of condensed statements of financial condition	December 31, 2023 2022 (In Thousands) Statements of Financial Condition Assets Cash $ 47,048 $ 29,097 Investment in subsidiary bank 629,096 608,416 Deferred and accrued income taxes 641 148 Prepaid expenses and other assets 877 882 $ 677,662 $ 638,543 Liabilities and Stockholders’ Equity Accounts payable and accrued expenses $ 5,480 $ 5,401 Subordinated debentures issued to capital trust 25,774 25,774 Subordinated notes 74,579 74,281 Common stock 118 122 Additional paid-in capital 44,320 42,445 Retained earnings 569,872 543,875 Accumulated other comprehensive income (loss) (42,481) (53,355) $ 677,662 $ 638,543
Schedule of condensed statements of income	2023 2022 2021 (In Thousands) Statements of Income Income Dividends from subsidiary bank $ 65,000 $ 60,000 $ 74,000 Other income — — — 65,000 60,000 74,000 Expense Operating expenses 2,780 2,550 2,121 Interest expense 6,158 5,298 7,613 8,938 7,848 9,734 Income before income tax and equity in undistributed earnings of subsidiaries 56,062 52,152 64,266 Credit for income taxes (1,932) (1,608) (1,850) Income before equity in earnings of subsidiaries 57,994 53,760 66,116 Equity in undistributed earnings of subsidiaries 9,806 22,188 8,511 Net income $ 67,800 $ 75,948 $ 74,627
Schedule of condensed statements of cashflows	2023 2022 2021 (In Thousands) Statements of Cash Flows Operating Activities Net income $ 67,800 $ 75,948 $ 74,627 Items not requiring (providing) cash Equity in undistributed earnings of subsidiary (9,806) (22,188) (8,511) Compensation expense for stock option grants 1,621 1,437 1,225 Amortization of interest rate derivative and deferred costs on subordinated notes 298 297 587 Changes in Prepaid expenses and other assets 5 (14) 15 Accounts payable and accrued expenses 250 69 (1,661) Income taxes (493) (54) 63 Net cash provided by operating activities 59,675 55,495 66,345 Investing Activities Net cash provided by investing activities — — — Financing Activities Purchases of the Company’s common stock (23,326) (61,847) (39,123) Redemption of subordinated notes — — (75,000) Dividends paid (19,282) (19,181) (18,800) Stock options exercised 884 6,258 3,700 Net cash used in financing activities (41,724) (74,770) (129,223) Increase (Decrease) in Cash 17,951 (19,275) (62,878) Cash, Beginning of Year 29,097 48,372 111,250 Cash, End of Year $ 47,048 $ 29,097 $ 48,372 Additional Cash Payment Information Interest paid $ 6,107 $ 5,115 $ 9,103
Schedule of condensed statements of comprehensive income	2023 2022 2021 (In Thousands) Statements of Comprehensive Income Net Income $ 67,800 $ 75,948 $ 74,627 Comprehensive income (loss) of subsidiaries 10,874 (86,114) (20,392) Comprehensive Income $ 78,674 $ (10,166) $ 54,235

Nature of Operations and Summ_4

Nature of Operations and Summary of Significant Accounting Policies - Impairment or Disposal of Long-Lived Assets (Details) - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Nature of Operations and Summary of Significant Accounting Policies
Asset impairment charges	$ 0	$ 0	$ 0

Nature of Operations and Summ_5

Nature of Operations and Summary of Significant Accounting Policies - Schedule of goodwill and intangible assets (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Nature of Operations and Summary of Significant Accounting Policies
Intangible assets, amortization period	7 years
Goodwill - Branch acquisitions	$ 5,396	$ 5,396
Finite-Lived Core Deposits, Gross	5,131	5,417
Intangible Assets, Net (Including Goodwill), Total	10,527	10,813
Fifth Third Bank
Nature of Operations and Summary of Significant Accounting Policies
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles		53
Arena Naming Rights
Nature of Operations and Summary of Significant Accounting Policies
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles	$ 5,131	$ 5,364

Nature of Operations and Summ_6

Nature of Operations and Summary of Significant Accounting Policies - Schedule of Earnings Per Share, Basic and Diluted (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Nature of Operations and Summary of Significant Accounting Policies
Net income and net income available to common shareholders	$ 67,800	$ 75,948	$ 74,627
Average common shares outstanding (in shares)	11,992	12,516	13,558
Average common share stock options outstanding	88	91	116
Average diluted common shares	12,080	12,607	13,674
Earnings per common share - basic	$ 5.65	$ 6.07	$ 5.50
Earnings per common share - diluted	$ 5.61	$ 6.02	$ 5.46

Nature of Operations and Summ_7

Nature of Operations and Summary of Significant Accounting Policies - Options to Purchase Shares of Common Stock (Details) - shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Nature of Operations and Summary of Significant Accounting Policies
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	749,833	559,484	383,338

Nature of Operations and Summ_8

Nature of Operations and Summary of Significant Accounting Policies - Stock Compensation Plans (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Nature of Operations and Summary of Significant Accounting Policies
Share based compensation expense	$ 1.6	$ 1.4	$ 1.2

Nature of Operations and Summ_9

Nature of Operations and Summary of Significant Accounting Policies - Allowance for Credit Losses (Details)	Dec. 31, 2023 USD ($)
Nature of Operations and Summary of Significant Accounting Policies
Allowances for credit losses	$ 100,000

Nature of Operations and Sum_10

Nature of Operations and Summary of Significant Accounting Policies - Summary of corrections reflecting the prior period impacts (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Operating Activities
Accretion of deferred income, premiums, discounts and other	$ (13,774)	$ (15,842)	$ (18,385)
Prepaid expenses and other assets	(4,543)	2,141	20,146
Net cash provided by operating activities	80,700	84,846	93,742
Investing Activities
Investment in tax credit partnerships	(35,160)	(18,266)	(8,766)
Net cash provided by (used in) investing activities	$ (88,208)	(819,546)	181,947
As Previously Presented
Operating Activities
Accretion of deferred income, premiums, discounts and other		(7,719)	(10,262)
Prepaid expenses and other assets		(24,248)	3,257
Net cash provided by operating activities		66,580	84,976
Investing Activities
Net cash provided by (used in) investing activities		(801,280)	190,713
Net Change
Operating Activities
Accretion of deferred income, premiums, discounts and other		(8,123)	(8,123)
Prepaid expenses and other assets		26,389	16,889
Net cash provided by operating activities		18,266	8,766
Investing Activities
Investment in tax credit partnerships		(18,266)	(8,766)
Net cash provided by (used in) investing activities		$ (18,266)	$ (8,766)

Investments in Securities - Ava

Investments in Securities - Available for sale securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
AVAILABLE-FOR-SALE SECURITIES:
Amortized Cost	$ 531,892	$ 553,214
Gross Unrealized Gains	534	119
Gross Unrealized Losses	54,219	62,741
Fair Value	478,207	490,592
Agency mortgage-backed securities
AVAILABLE-FOR-SALE SECURITIES:
Amortized Cost	316,114	327,266
Gross Unrealized Gains	7
Gross Unrealized Losses	35,890	40,784
Fair Value	280,231	286,482
Agency collateralized mortgage obligations
AVAILABLE-FOR-SALE SECURITIES:
Amortized Cost	85,989	90,205
Gross Unrealized Losses	10,043	11,731
Fair Value	75,946	78,474
States and political subdivisions securities
AVAILABLE-FOR-SALE SECURITIES:
Amortized Cost	59,141	60,667
Gross Unrealized Gains	527	119
Gross Unrealized Losses	1,531	3,291
Fair Value	58,137	57,495
Small Business Administration securities
AVAILABLE-FOR-SALE SECURITIES:
Amortized Cost	70,648	75,076
Gross Unrealized Losses	6,755	6,935
Fair Value	$ 63,893	$ 68,141

Investments in Securities - Hel

Investments in Securities - Held to maturity securities (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
HELD-TO-MATURITY SECURITIES:
Amortized Cost	$ 195,088	$ 202,377
Fair Value Adjustment	(65)	118
Amortized Carrying Value	195,023	202,495
Gross Unrealized Losses	23,830	24,730
Fair Value	171,193	177,765
Agency mortgage-backed securities
HELD-TO-MATURITY SECURITIES:
Amortized Cost	72,495	73,891
Fair Value Adjustment	2,436	3,015
Amortized Carrying Value	74,931	76,906
Gross Unrealized Losses	8,686	9,820
Fair Value	66,245	67,086
Agency collateralized mortgage obligations
HELD-TO-MATURITY SECURITIES:
Amortized Cost	116,405	122,247
Fair Value Adjustment	(2,502)	(2,885)
Amortized Carrying Value	113,903	119,362
Gross Unrealized Losses	14,662	14,129
Fair Value	99,241	105,233
States and political subdivisions
HELD-TO-MATURITY SECURITIES:
Amortized Cost	6,188	6,239
Fair Value Adjustment	1	(12)
Amortized Carrying Value	6,189	6,227
Gross Unrealized Losses	482	781
Fair Value	$ 5,707	$ 5,446

Investments in Securities - Inv

Investments in Securities - Investments classified by contractual maturity date (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Available-for-Sale - Amortized Cost
After three through four years	$ 245
After four through five years	952
After five through fifteen years	9,682
After fifteen years	48,262
Securities not due on a single maturity date	472,751
Available-for-sale securities, Amortized Cost, Total	531,892	$ 553,214
Available-for-Sale - Fair Value
After three through four years	245
After four through five years	981
After five through fifteen years	9,634
After fifteen years	47,277
Securities not due on a single maturity date	420,070
Available-for-sale securities, Fair Value, Total	478,207	490,592
Held-to-Maturity - Amortized Carrying Value
After five through fifteen years	3,247
After fifteen years	2,942
Securities not due on a single maturity date	188,834
Held-to-Maturity, Amortized Carrying Value, Total	195,023	202,495
Held-to-Maturity - Fair Value
After five through fifteen years	2,986
After fifteen years	2,721
Securities not due on a single maturity date	165,486
Held-to-maturity, Fair Value, Total	$ 171,193	$ 177,765

Investments in Securities - Fai

Investments in Securities - Fair value and unrealized losses on investments (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
AVAILABLE-FOR-SALE SECURITIES:
Available-for-sale securities, Less than 12 Months, Fair Value	$ 21,180	$ 355,027
Available-for-sale Securities, Less than 12 Months, Unrealized Loss	(358)	(38,996)
Available-for-sale securities, 12 Months or More, Fair Value	435,747	116,980
Available-for-sale Securities,12 Months or Longer, Unrealized Loss	(53,861)	(23,745)
Available-for-sale securities, Fair Value	456,927	472,007
Available-for-sale securities, Unrealized Loss	(54,219)	(62,741)
HELD-TO-MATURITY SECURITIES:
Held-to-maturity securities, Less than 12 Month, Fair Value		121,173
Held-to-maturity securities, Less than 12 Months, Unrealized Losses		(14,278)
Held-to-maturity securities, 12 Months or Longer, Fair Value	171,193	56,592
Held-to-maturity securities, 12 Months or Longer, Unrealized Losses	(23,830)	(10,452)
Held-to-maturity securities, Fair Value	171,193	177,765
Held-to-maturity securities, Unrealized Losses	(23,830)	(24,730)
Agency mortgage-backed securities.
AVAILABLE-FOR-SALE SECURITIES:
Available-for-sale securities, Less than 12 Months, Fair Value	4,318	221,562
Available-for-sale Securities, Less than 12 Months, Unrealized Loss	(9)	(27,597)
Available-for-sale securities, 12 Months or More, Fair Value	274,801	64,918
Available-for-sale Securities,12 Months or Longer, Unrealized Loss	(35,881)	(13,187)
Available-for-sale securities, Fair Value	279,119	286,480
Available-for-sale securities, Unrealized Loss	(35,890)	(40,784)
HELD-TO-MATURITY SECURITIES:
Held-to-maturity securities, Less than 12 Month, Fair Value		59,218
Held-to-maturity securities, Less than 12 Months, Unrealized Losses		(7,766)
Held-to-maturity securities, 12 Months or Longer, Fair Value	66,245	7,868
Held-to-maturity securities, 12 Months or Longer, Unrealized Losses	(8,686)	(2,054)
Held-to-maturity securities, Fair Value	66,245	67,086
Held-to-maturity securities, Unrealized Losses	(8,686)	(9,820)
Agency collateralized mortgage obligations
AVAILABLE-FOR-SALE SECURITIES:
Available-for-sale securities, Less than 12 Months, Fair Value	9,080	28,537
Available-for-sale Securities, Less than 12 Months, Unrealized Loss	(216)	(3,262)
Available-for-sale securities, 12 Months or More, Fair Value	66,866	40,642
Available-for-sale Securities,12 Months or Longer, Unrealized Loss	(9,827)	(8,469)
Available-for-sale securities, Fair Value	75,946	69,179
Available-for-sale securities, Unrealized Loss	(10,043)	(11,731)
HELD-TO-MATURITY SECURITIES:
Held-to-maturity securities, Less than 12 Month, Fair Value		61,055
Held-to-maturity securities, Less than 12 Months, Unrealized Losses		(6,411)
Held-to-maturity securities, 12 Months or Longer, Fair Value	99,241	44,178
Held-to-maturity securities, 12 Months or Longer, Unrealized Losses	(14,662)	(7,718)
Held-to-maturity securities, Fair Value	99,241	105,233
Held-to-maturity securities, Unrealized Losses	(14,662)	(14,129)
States and political subdivisions securities
AVAILABLE-FOR-SALE SECURITIES:
Available-for-sale securities, Less than 12 Months, Fair Value		44,455
Available-for-sale Securities, Less than 12 Months, Unrealized Loss		(2,913)
Available-for-sale securities, 12 Months or More, Fair Value	37,969	3,753
Available-for-sale Securities,12 Months or Longer, Unrealized Loss	(1,531)	(378)
Available-for-sale securities, Fair Value	37,969	48,208
Available-for-sale securities, Unrealized Loss	(1,531)	(3,291)
HELD-TO-MATURITY SECURITIES:
Held-to-maturity securities, Less than 12 Month, Fair Value		900
Held-to-maturity securities, Less than 12 Months, Unrealized Losses		(101)
Held-to-maturity securities, 12 Months or Longer, Fair Value	5,707	4,546
Held-to-maturity securities, 12 Months or Longer, Unrealized Losses	(482)	(680)
Held-to-maturity securities, Fair Value	5,707	5,446
Held-to-maturity securities, Unrealized Losses	(482)	(781)
Small Business Administration securities
AVAILABLE-FOR-SALE SECURITIES:
Available-for-sale securities, Less than 12 Months, Fair Value	7,782	60,473
Available-for-sale Securities, Less than 12 Months, Unrealized Loss	(133)	(5,224)
Available-for-sale securities, 12 Months or More, Fair Value	56,111	7,667
Available-for-sale Securities,12 Months or Longer, Unrealized Loss	(6,622)	(1,711)
Available-for-sale securities, Fair Value	63,893	68,140
Available-for-sale securities, Unrealized Loss	$ (6,755)	$ (6,935)

Investments in Securities - Add

Investments in Securities - Additional Information (Details) - USD ($)	3 Months Ended	12 Months Ended
	Mar. 31, 2022	Dec. 31, 2023	Dec. 31, 2022
INVESTMENT SECURITIES
Fair value of debt securities reported less than their historical cost		$ 456,900,000	$ 472,000,000
Available sale of debt securities reported less than their historical cost percent of investment portfolio		95.50%	96.20%
Amortized Carrying Value		$ 195,023,000	$ 202,495,000
Total fair value of held-to-maturity		171,193,000	177,765,000
Available-for-sale securities		478,207,000	490,592,000
Allowance for credit losses on securities		0
Securities transferred from available for sale portfolio to held to maturity portfolio	$ 226,500,000	0
Net of income tax	775,000
Net unrealized gains on transfers	$ 1,000,000
unrealized gross loss		65,000
Unrealized losses		$ 49,000
Held to Maturity investment portfolio reported less than their historical cost as a percent of investment portfolio		100%
Agency collateralized mortgage obligations
INVESTMENT SECURITIES
Amortized Carrying Value		$ 113,903,000	119,362,000
Total fair value of held-to-maturity		99,241,000	105,233,000
Available-for-sale securities		75,946,000	78,474,000
Federal National Mortgage Association Certificates and Obligations (FNMA)
INVESTMENT SECURITIES
Agency collateralized mortgage obligations		4,100,000	3,900,000
Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC)
INVESTMENT SECURITIES
Agency collateralized mortgage obligations		66,500,000	67,800,000
Government National Mortgage Association Certificates and Obligations (GNMA)
INVESTMENT SECURITIES
Agency collateralized mortgage obligations		5,300,000	6,700,000
Fixed rates of interest
INVESTMENT SECURITIES
Mortgage backed securities		280,200,000	286,500,000
Federal National Mortgage Association Certificates and Obligations (FNMA)
INVESTMENT SECURITIES
Agency mortgage-backed securities		190,900,000	196,400,000
Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC)
INVESTMENT SECURITIES
Agency mortgage-backed securities		86,400,000	90,100,000
Government National Mortgage Association Certificates and Obligations (GNMA)
INVESTMENT SECURITIES
Agency mortgage-backed securities		$ 2,900,000	$ 78,500,000

Investments in Securities - Sch

Investments in Securities - Schedule of Financial Instruments Owned and Pledged as Collateral (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Public deposits
INVESTMENT SECURITIES
Securities owned and pledged as collateral amortized cost	$ 17,412	$ 15,402
Public deposits \| Estimate of Fair Value Measurement
INVESTMENT SECURITIES
Fair Value	15,225	13,489
Collateralized borrowing accounts
INVESTMENT SECURITIES
Securities owned and pledged as collateral amortized cost	123,220	210,330
Collateralized borrowing accounts \| Estimate of Fair Value Measurement
INVESTMENT SECURITIES
Fair Value	109,660	186,170
Other
INVESTMENT SECURITIES
Securities owned and pledged as collateral amortized cost	3,815	4,018
Other \| Estimate of Fair Value Measurement
INVESTMENT SECURITIES
Fair Value	3,507	3,764
Securities Pledged as Collateral
INVESTMENT SECURITIES
Securities owned and pledged as collateral amortized cost	144,447	229,750
Securities Pledged as Collateral \| Estimate of Fair Value Measurement
INVESTMENT SECURITIES
Fair Value	$ 128,392	$ 203,423

Loans and Allowance for Credi_3

Loans and Allowance for Credit Losses - Classes of loans (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Loans and Allowance for Credit Losses
Loans receivable	$ 4,661,348	$ 4,581,381
Allowance for credit losses	(64,670)	(63,480)	$ (60,754)	$ (67,338)
Deferred loan fees and gains, net	(7,058)	(11,065)
Loans receivable, net	$ 4,589,620	$ 4,506,836
Weighted average interest rate	6.25%	5.54%
One- to four-family residential construction
Loans and Allowance for Credit Losses
Loans receivable	$ 29,628	$ 33,849
Subdivision construction
Loans and Allowance for Credit Losses
Loans receivable	23,359	32,067
Land development
Loans and Allowance for Credit Losses
Loans receivable	48,015	41,613
Commercial construction
Loans and Allowance for Credit Losses
Loans receivable	703,407	757,690
Owner occupied one- to four-family residential
Loans and Allowance for Credit Losses
Loans receivable	769,260	778,533
Non-owner occupied one- to four-family residential
Loans and Allowance for Credit Losses
Loans receivable	121,275	124,870
Commercial real estate
Loans and Allowance for Credit Losses
Loans receivable	1,521,032	1,530,663
Other residential
Loans and Allowance for Credit Losses
Loans receivable	942,071	781,761
Commercial business
Loans and Allowance for Credit Losses
Loans receivable	318,050	293,228
Industrial revenue bonds
Loans and Allowance for Credit Losses
Loans receivable	12,047	12,852
Consumer auto
Loans and Allowance for Credit Losses
Loans receivable	28,343	37,281
Consumer other
Loans and Allowance for Credit Losses
Loans receivable	28,978	33,732
Home equity lines of credit
Loans and Allowance for Credit Losses
Loans receivable	$ 115,883	$ 123,242

Loans and Allowance for Credi_4

Loans and Allowance for Credit Losses - Classes of loans by aging (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
30-59 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	$ 13,125	$ 3,394
30-59 Days Past Due \| Owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	2,778	2,568
30-59 Days Past Due \| Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	187	196
30-59 Days Past Due \| Other residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	9,572
30-59 Days Past Due \| Commercial business
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class		8
30-59 Days Past Due \| Consumer auto
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	116	100
30-59 Days Past Due \| Consumer other
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	137	288
30-59 Days Past Due \| Home equity lines of credit
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	335	234
60-89 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	308	711
60-89 Days Past Due \| Owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	125	462
60-89 Days Past Due \| Non-owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class		63
60-89 Days Past Due \| Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	92
60-89 Days Past Due \| Consumer auto
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	65	34
60-89 Days Past Due \| Consumer other
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class		114
60-89 Days Past Due \| Home equity lines of credit
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	26	38
Over 90 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	11,748	3,670
Over 90 Days Past Due \| Land development
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	384	384
Over 90 Days Past Due \| Owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	722	722
Over 90 Days Past Due \| Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	10,552	1,579
Over 90 Days Past Due \| Commercial business
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	31	586
Over 90 Days Past Due \| Consumer auto
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	8	14
Over 90 Days Past Due \| Consumer other
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	42	111
Over 90 Days Past Due \| Home equity lines of credit
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	9	274
Total Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	25,181	7,775
Total Past Due \| Land development
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	384	384
Total Past Due \| Owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	3,625	3,752
Total Past Due \| Non-owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class		63
Total Past Due \| Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	10,831	1,775
Total Past Due \| Other residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	9,572
Total Past Due \| Commercial business
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	31	594
Total Past Due \| Consumer auto
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	189	148
Total Past Due \| Consumer other
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	179	513
Total Past Due \| Home equity lines of credit
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	370	546
Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	4,636,167	4,573,606
Current \| One- to four-family residential construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	29,628	33,849
Current \| Subdivision construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	23,359	32,067
Current \| Land development
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	47,631	41,229
Current \| Commercial construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	703,407	757,690
Current \| Owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	765,635	774,781
Current \| Non-owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	121,275	124,807
Current \| Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	1,510,201	1,528,888
Current \| Other residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	932,499	781,761
Current \| Commercial business
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	318,019	292,634
Current \| Industrial revenue bonds
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	12,047	12,852
Current \| Consumer auto
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	28,154	37,133
Current \| Consumer other
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	28,799	33,219
Current \| Home equity lines of credit
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	115,513	122,696
Total Loans Receivable
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	4,661,348	4,581,381
Total Loans Receivable \| One- to four-family residential construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	29,628	33,849
Total Loans Receivable \| Subdivision construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	23,359	32,067
Total Loans Receivable \| Land development
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	48,015	41,613
Total Loans Receivable \| Commercial construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	703,407	757,690
Total Loans Receivable \| Owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	769,260	778,533
Total Loans Receivable \| Non-owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	121,275	124,870
Total Loans Receivable \| Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	1,521,032	1,530,663
Total Loans Receivable \| Other residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	942,071	781,761
Total Loans Receivable \| Commercial business
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	318,050	293,228
Total Loans Receivable \| Industrial revenue bonds
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	12,047	12,852
Total Loans Receivable \| Consumer auto
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	28,343	37,281
Total Loans Receivable \| Consumer other
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	28,978	33,732
Total Loans Receivable \| Home equity lines of credit
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	$ 115,883	$ 123,242

Loans and Allowance for Credi_5

Loans and Allowance for Credit Losses - Non-accruing loans (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total non-accruing loans	$ 11,748	$ 3,670
Land development
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total non-accruing loans	384	384
Owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total non-accruing loans	722	722
Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total non-accruing loans	10,552	1,579
Commercial business
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total non-accruing loans	31	586
Consumer auto
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total non-accruing loans	8	14
Consumer other
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total non-accruing loans	42	111
Home equity lines of credit
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total non-accruing loans	$ 9	$ 274

Loans and Allowance for Credi_6

Loans and Allowance for Credit Losses - Allowance for credit losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Loans and Allowance for Credit Losses
Balance at beginning of period	$ 63,480	$ 60,754	$ 67,338
Provision (credit) charged to expense	2,250	3,000	(6,700)
Losses charged off	(2,822)	(2,169)	(2,621)
Recoveries	1,762	1,895	2,737
Balance at end of period	64,670	63,480	60,754
Adjustment
Loans and Allowance for Credit Losses
Balance at beginning of period			55,743
CECL adoption
Loans and Allowance for Credit Losses
Balance at beginning of period			11,595
Allowance for unfunded commitment
Loans and Allowance for Credit Losses
Balance at beginning of period	12,816	9,629	8,690
Provision (credit) charged to expense	(5,329)	3,187	939
Balance at end of period	7,487	12,816	9,629
Allowance for unfunded commitment \| CECL adoption
Loans and Allowance for Credit Losses
Balance at beginning of period			8,690
One- To Four-Family Residential and Construction
Loans and Allowance for Credit Losses
Balance at beginning of period	11,171	9,364	9,069
Provision (credit) charged to expense	(1,390)	1,652
Losses charged off	(31)	(40)	(190)
Recoveries	70	195	485
Balance at end of period	9,820	11,171	9,364
One- To Four-Family Residential and Construction \| Adjustment
Loans and Allowance for Credit Losses
Balance at beginning of period			4,536
One- To Four-Family Residential and Construction \| CECL adoption
Loans and Allowance for Credit Losses
Balance at beginning of period			4,533
One- To Four-Family Residential and Construction \| Allowance for unfunded commitment
Loans and Allowance for Credit Losses
Balance at beginning of period	736	687	917
Provision (credit) charged to expense	(30)	49	(230)
Balance at end of period	706	736	687
One- To Four-Family Residential and Construction \| Allowance for unfunded commitment \| CECL adoption
Loans and Allowance for Credit Losses
Balance at beginning of period			917
Other Residential
Loans and Allowance for Credit Losses
Balance at beginning of period	12,110	10,502	15,207
Provision (credit) charged to expense	1,260	1,498	(4,797)
Recoveries		110	92
Balance at end of period	13,370	12,110	10,502
Other Residential \| Adjustment
Loans and Allowance for Credit Losses
Balance at beginning of period			9,375
Other Residential \| CECL adoption
Loans and Allowance for Credit Losses
Balance at beginning of period			5,832
Other Residential \| Allowance for unfunded commitment
Loans and Allowance for Credit Losses
Balance at beginning of period	8,624	5,703	5,227
Provision (credit) charged to expense	(4,618)	2,921	476
Balance at end of period	4,006	8,624	5,703
Other Residential \| Allowance for unfunded commitment \| CECL adoption
Loans and Allowance for Credit Losses
Balance at beginning of period			5,227
Commercial Real Estate
Loans and Allowance for Credit Losses
Balance at beginning of period	27,096	28,604	31,176
Provision (credit) charged to expense	930	(1,465)	(2,478)
Losses charged off		(44)	(142)
Recoveries	145	1	48
Balance at end of period	28,171	27,096	28,604
Commercial Real Estate \| Adjustment
Loans and Allowance for Credit Losses
Balance at beginning of period			33,707
Commercial Real Estate \| CECL adoption
Loans and Allowance for Credit Losses
Balance at beginning of period			(2,531)
Commercial Real Estate \| Allowance for unfunded commitment
Loans and Allowance for Credit Losses
Balance at beginning of period	416	367	354
Provision (credit) charged to expense	203	49	13
Balance at end of period	619	416	367
Commercial Real Estate \| Allowance for unfunded commitment \| CECL adoption
Loans and Allowance for Credit Losses
Balance at beginning of period			354
Commercial Construction
Loans and Allowance for Credit Losses
Balance at beginning of period	2,865	2,797	2,356
Provision (credit) charged to expense	(27)	152	575
Losses charged off		(84)	(154)
Recoveries	6		20
Balance at end of period	2,844	2,865	2,797
Commercial Construction \| Adjustment
Loans and Allowance for Credit Losses
Balance at beginning of period			3,521
Commercial Construction \| CECL adoption
Loans and Allowance for Credit Losses
Balance at beginning of period			(1,165)
Commercial Construction \| Allowance for unfunded commitment
Loans and Allowance for Credit Losses
Balance at beginning of period	802	908	910
Provision (credit) charged to expense	(61)	(106)	(2)
Balance at end of period	741	802	908
Commercial Construction \| Allowance for unfunded commitment \| CECL adoption
Loans and Allowance for Credit Losses
Balance at beginning of period			910
Commercial Business
Loans and Allowance for Credit Losses
Balance at beginning of period	5,822	4,142	3,889
Provision (credit) charged to expense	1,909	1,491
Losses charged off	(1,037)	(51)	(81)
Recoveries	241	240	334
Balance at end of period	6,935	5,822	4,142
Commercial Business \| Adjustment
Loans and Allowance for Credit Losses
Balance at beginning of period			2,390
Commercial Business \| CECL adoption
Loans and Allowance for Credit Losses
Balance at beginning of period			1,499
Commercial Business \| Allowance for unfunded commitment
Loans and Allowance for Credit Losses
Balance at beginning of period	1,734	1,582	935
Provision (credit) charged to expense	(775)	152	647
Balance at end of period	959	1,734	1,582
Commercial Business \| Allowance for unfunded commitment \| CECL adoption
Loans and Allowance for Credit Losses
Balance at beginning of period			935
Consumer
Loans and Allowance for Credit Losses
Balance at beginning of period	4,416	5,345	5,641
Provision (credit) charged to expense	(432)	(328)
Losses charged off	(1,754)	(1,950)	(2,054)
Recoveries	1,300	1,349	1,758
Balance at end of period	3,530	4,416	5,345
Consumer \| Adjustment
Loans and Allowance for Credit Losses
Balance at beginning of period			2,214
Consumer \| CECL adoption
Loans and Allowance for Credit Losses
Balance at beginning of period			3,427
Consumer \| Allowance for unfunded commitment
Loans and Allowance for Credit Losses
Balance at beginning of period	504	382	347
Provision (credit) charged to expense	(48)	122	35
Balance at end of period	$ 456	$ 504	382
Consumer \| Allowance for unfunded commitment \| CECL adoption
Loans and Allowance for Credit Losses
Balance at beginning of period			$ 347

Loans and Allowance for Credi_7

Loans and Allowance for Credit Losses - Weighted Average Interest Rate on Loans Receivable (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Loans and Allowance for Credit Losses
Commercial loan participations sold to other financial institutions	$ 334.6	$ 422.3
Residential mortgage loans sold	105.3	117.9
Unpaid principal balances
Loans and Allowance for Credit Losses
Loans serviced for others	439.9	540.2
Unused lines of Credit
Loans and Allowance for Credit Losses
Loans serviced for others	$ 123.6	$ 104.1

Loans and Allowance for Credi_8

Loans and Allowance for Credit Losses - Classes of loan portfolios (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2023 USD ($)
Loans and Allowance for Credit Losses
Loan modifications	$ 24,757
Interest Rate Reduction
Loans and Allowance for Credit Losses
Loan modifications	5
Term Extension
Loans and Allowance for Credit Losses
Loan modifications	2,834
Combination
Loans and Allowance for Credit Losses
Loan modifications	21,918
Construction and land development
Loans and Allowance for Credit Losses
Loan modifications	1,553
Construction and land development \| Combination
Loans and Allowance for Credit Losses
Loan modifications	1,553
Other residential
Loans and Allowance for Credit Losses
Loan modifications	2,750
Other residential \| Term Extension
Loans and Allowance for Credit Losses
Loan modifications	2,750
Commercial real estate
Loans and Allowance for Credit Losses
Loan modifications	20,442
Commercial real estate \| Term Extension
Loans and Allowance for Credit Losses
Loan modifications	77
Commercial real estate \| Combination
Loans and Allowance for Credit Losses
Loan modifications	20,365
Consumer
Loans and Allowance for Credit Losses
Loan modifications	12
Consumer \| Interest Rate Reduction
Loans and Allowance for Credit Losses
Loan modifications	5
Consumer \| Term Extension
Loans and Allowance for Credit Losses
Loan modifications	$ 7

Loans and Allowance for Credi_9

Loans and Allowance for Credit Losses - Collateral dependent loans by class of loans (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Loans and Allowance for Credit Losses
Principal Balance	$ 18,785	$ 4,473
Specific Allowance	1,229	245
Land development
Loans and Allowance for Credit Losses
Principal Balance	384	384
Owner occupied one- to four-family residential
Loans and Allowance for Credit Losses
Principal Balance	691	1,637
Specific Allowance	29	40
Commercial real estate
Loans and Allowance for Credit Losses
Principal Balance	10,548	1,571
Specific Allowance	1,200
Other residential
Loans and Allowance for Credit Losses
Principal Balance	$ 7,162
Commercial business
Loans and Allowance for Credit Losses
Principal Balance		586
Specific Allowance		125
Consumer other
Loans and Allowance for Credit Losses
Principal Balance		160
Specific Allowance		80
Home equity lines of credit
Loans and Allowance for Credit Losses
Principal Balance		$ 135

Loans and Allowance for Cred_10

Loans and Allowance for Credit Losses - Impaired Loans Specific Valuation Allowance (Details) - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Loans and Allowance for Credit Losses
Loans and leases receivable, impaired, interest lost on nonaccrual loans	$ 509,000	$ 292,000	$ 432,000

Loans and Allowance for Cred_11

Loans and Allowance for Credit Losses - Performance of loans (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2023 USD ($)
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	$ 24,757
Construction and land development
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	1,553
Other residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	2,750
Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	20,442
Consumer
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	12
Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	16,699
Current \| Construction and land development
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	1,553
Current \| Other residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	2,750
Current \| Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	12,384
Current \| Consumer
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	12
Over 90 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	8,058
Over 90 Days Past Due \| Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	$ 8,058

Loans and Allowance for Cred_12

Loans and Allowance for Credit Losses - Troubled debt restructurings (TDRs) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($)
Loans and Allowance for Credit Losses
TDR Loans, Number	36
TDR Loans, Balance	$ 2,949
One- to four-family residential
Loans and Allowance for Credit Losses
TDR Loans, Number	16
TDR Loans, Balance	$ 1,126
Commercial real estate
Loans and Allowance for Credit Losses
TDR Loans, Number	2
TDR Loans, Balance	$ 1,571
Consumer
Loans and Allowance for Credit Losses
TDR Loans, Number	18
TDR Loans, Balance	$ 252
Accruing TDR Loans
Loans and Allowance for Credit Losses
TDR Loans, Number	26
TDR Loans, Balance	$ 1,238
Accruing TDR Loans \| One- to four-family residential
Loans and Allowance for Credit Losses
TDR Loans, Number	13
TDR Loans, Balance	$ 1,028
Accruing TDR Loans \| Consumer
Loans and Allowance for Credit Losses
TDR Loans, Number	13
TDR Loans, Balance	$ 210
Non-accruing TDR Loans
Loans and Allowance for Credit Losses
TDR Loans, Number	10
TDR Loans, Balance	$ 1,711
Non-accruing TDR Loans \| One- to four-family residential
Loans and Allowance for Credit Losses
TDR Loans, Number	3
TDR Loans, Balance	$ 98
Non-accruing TDR Loans \| Commercial real estate
Loans and Allowance for Credit Losses
TDR Loans, Number	2
TDR Loans, Balance	$ 1,571
Non-accruing TDR Loans \| Consumer
Loans and Allowance for Credit Losses
TDR Loans, Number	5
TDR Loans, Balance	$ 42

Loans and Allowance for Cred_13

Loans and Allowance for Credit Losses - Troubled Debt Restructurings (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Loans and Allowance for Credit Losses
Interest Only		$ 1,799
Term	$ 4	461
Combination	282	145
Total Modification	286	2,405
Residential one-to-four family
Loans and Allowance for Credit Losses
Interest Only		31
Term		202
Combination	32	134
Total Modification	32	367
Commercial real estate
Loans and Allowance for Credit Losses
Interest Only		1,768
Combination	247
Total Modification	247	1,768
Consumer
Loans and Allowance for Credit Losses
Term	4	259
Combination	3	11
Total Modification	$ 7	$ 270

Loans and Allowance for Cred_14

Loans and Allowance for Credit Losses - Additional Information (Details) - USD ($)		12 Months Ended
	Jan. 01, 2021	Dec. 31, 2023	Dec. 31, 2022
Loans and Allowance for Credit Losses
Interest income		$ 0	$ 0
Non-accrual loans for no related allowance amortized cost		$ 792,000
Maximum percentage of concessions granted of their respective classes of loan portfolios		2%
Loan modifications			2,949,000
Troubled debt restructurings internal grading system substandard			1,700,000
Allowance for credit losses	$ 67,300,000
After-tax effect decreased retained earnings	14,200,000
Minimum loan balance with addition to TDR status for classification of loans into Collateral-dependent loans		$ 100,000
Consumer
Loans and Allowance for Credit Losses
Loan modifications			$ 252,000
Consumer \| Principal forgiveness
Loans and Allowance for Credit Losses
Loan paid during period		563,000
Commercial business loan \| Principal forgiveness
Loans and Allowance for Credit Losses
Loan paid during period		$ 563,000
Allowance for unfunded commitment
Loans and Allowance for Credit Losses
Allowance for credit losses	8,700,000
Adopted ASC 326
Loans and Allowance for Credit Losses
Allowance for credit losses	11,600,000
CECL Methodology
Loans and Allowance for Credit Losses
Allowance for credit losses	11,600,000
Allowance for credit loss remaining discount on loan	1,900,000
CECL Methodology \| Allowance for unfunded commitment
Loans and Allowance for Credit Losses
Allowance for credit losses	$ 8,700,000

Loans and Allowance for Cred_15

Loans and Allowance for Credit Losses - Loans by category and risk rating separated by origination and loan class (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Loans and Allowance for Credit Losses
Total	$ 4,661,348	$ 4,581,381
Current Period Gross Charge Offs
Current Year	4	19
One Year Before	142	66
Two year Before	24	7
Three year Before	3	49
Four Year Before	18	59
Prior	2,534	1,677
Revolving Loans	97	292
Total	2,822	2,169
Commercial real estate
Loans and Allowance for Credit Losses
Current Year	53,158	221,341
One Year Before	284,738	171,484
Two Years Before	237,822	109,939
Three Years Before	103,393	203,426
Four Years Before	161,834	185,682
Prior	644,811	602,133
Revolving Loans	35,276	36,658
Total	1,521,032	1,530,663
Current Period Gross Charge Offs
Prior		44
Total		44
Commercial real estate \| Satisfactory
Loans and Allowance for Credit Losses
Current Year	53,158	221,341
One Year Before	284,738	171,484
Two Years Before	237,822	109,939
Three Years Before	103,393	203,426
Four Years Before	161,680	185,682
Prior	624,515	577,216
Revolving Loans	35,276	36,658
Total	1,500,582	1,505,746
Commercial real estate \| Watch
Loans and Allowance for Credit Losses
Four Years Before	154
Prior	5,348	23,338
Total	5,502	23,338
Commercial real estate \| Special Mention
Loans and Allowance for Credit Losses
Prior	4,396
Total	4,396
Commercial real estate \| Classified
Loans and Allowance for Credit Losses
Prior	10,552	1,579
Total	10,552	1,579
Consumer
Loans and Allowance for Credit Losses
Current Year	16,629	21,309
One Year Before	12,055	11,207
Two Years Before	6,196	5,720
Three Years Before	2,817	2,715
Four Years Before	831	3,265
Prior	12,339	16,788
Revolving Loans	122,337	133,251
Total	173,204	194,255
Current Period Gross Charge Offs
Current Year	4	19
One Year Before	135	66
Two year Before	24	7
Three year Before	3	49
Four Year Before	18	59
Prior	1,493	1,594
Revolving Loans	97	156
Total	1,754	1,950
Consumer \| Satisfactory
Loans and Allowance for Credit Losses
Current Year	16,629	21,309
One Year Before	12,010	11,168
Two Years Before	6,163	5,711
Three Years Before	2,811	2,708
Four Years Before	828	3,263
Prior	12,089	16,380
Revolving Loans	122,166	132,792
Total	172,696	193,331
Consumer \| Watch
Loans and Allowance for Credit Losses
One Year Before	3	28
Two Years Before	21
Three Years Before	6	7
Four Years Before	3
Prior	201	160
Revolving Loans	154	100
Total	388	295
Consumer \| Special Mention
Loans and Allowance for Credit Losses
Revolving Loans	8
Total	8
Consumer \| Classified
Loans and Allowance for Credit Losses
One Year Before	42	11
Two Years Before	12	9
Four Years Before		2
Prior	49	248
Revolving Loans	9	359
Total	112	629
Combined
Loans and Allowance for Credit Losses
Current Year	302,681	869,328
One Year Before	1,275,272	1,088,269
Two Years Before	1,105,013	635,600
Three Years Before	430,496	466,871
Four Years Before	346,862	361,539
Prior	969,027	916,519
Revolving Loans	231,997	243,255
Total	4,661,348	4,581,381
Combined \| Satisfactory
Loans and Allowance for Credit Losses
Current Year	302,681	869,328
One Year Before	1,274,041	1,088,230
Two Years Before	1,100,593	635,433
Three Years Before	430,315	466,685
Four Years Before	346,534	361,449
Prior	926,576	884,255
Revolving Loans	226,496	242,085
Total	4,607,236	4,547,465
Combined \| Watch
Loans and Allowance for Credit Losses
One Year Before	3	28
Two Years Before	21
Three Years Before	6	186
Four Years Before	328	88
Prior	7,780	28,211
Revolving Loans	200	157
Total	8,338	28,670
Combined \| Special Mention
Loans and Allowance for Credit Losses
One Year Before	1,186
Two Years Before	3,840
Prior	16,718
Revolving Loans	4,908
Total	26,652
Combined \| Classified
Loans and Allowance for Credit Losses
One Year Before	42	11
Two Years Before	559	167
Three Years Before	175
Four Years Before		2
Prior	17,953	4,053
Revolving Loans	393	1,013
Total	19,122	5,246
One- to four-family residential construction
Loans and Allowance for Credit Losses
Current Year	12,528	21,885
One Year Before	9,878	7,265
Two Years Before	41	1,391
Revolving Loans	7,181	3,308
Total	29,628	33,849
One- to four-family residential construction \| Satisfactory
Loans and Allowance for Credit Losses
Current Year	12,528	21,885
One Year Before	9,878	7,265
Two Years Before	41	1,391
Revolving Loans	7,181	3,308
Total	29,628	33,849
Subdivision construction
Loans and Allowance for Credit Losses
Current Year	532	4,478
One Year Before	1,022	25,864
Two Years Before	21,333	800
Three Years Before	43	203
Four Years Before	64	134
Prior	365	588
Total	23,359	32,067
Subdivision construction \| Satisfactory
Loans and Allowance for Credit Losses
Current Year	532	4,478
One Year Before	1,022	25,864
Two Years Before	21,333	800
Three Years Before	43	203
Four Years Before	64	134
Prior	365	588
Total	23,359	32,067
Construction and land development
Loans and Allowance for Credit Losses
Current Year	14,860	16,746
One Year Before	12,564	6,914
Two Years Before	5,658	4,866
Three Years Before	3,682	7,338
Four Years Before	5,458	762
Prior	4,531	3,990
Revolving Loans	1,262	997
Total	48,015	41,613
Current Period Gross Charge Offs
Revolving Loans		84
Total		84
Construction and land development \| Satisfactory
Loans and Allowance for Credit Losses
Current Year	14,860	16,746
One Year Before	12,564	6,914
Two Years Before	5,658	4,866
Three Years Before	3,682	7,338
Four Years Before	5,458	762
Prior	4,531	3,990
Revolving Loans	878	613
Total	47,631	41,229
Construction and land development \| Classified
Loans and Allowance for Credit Losses
Revolving Loans	384	384
Total	384	384
Other construction
Loans and Allowance for Credit Losses
Current Year	60,895	113,512
One Year Before	422,727	446,125
Two Years Before	203,918	176,340
Three Years Before	15,867	21,713
Total	703,407	757,690
Other construction \| Satisfactory
Loans and Allowance for Credit Losses
Current Year	60,895	113,512
One Year Before	422,727	446,125
Two Years Before	203,918	176,340
Three Years Before	15,867	21,713
Total	703,407	757,690
One- to four-family residential
Loans and Allowance for Credit Losses
Current Year	66,733	340,886
One Year Before	330,489	219,504
Two Years Before	204,324	128,667
Three Years Before	108,380	73,341
Four Years Before	60,459	39,773
Prior	119,621	100,409
Revolving Loans	529	823
Total	890,535	903,403
Current Period Gross Charge Offs
Prior	11	39
Revolving Loans	20	1
Total	31	40
One- to four-family residential \| Satisfactory
Loans and Allowance for Credit Losses
Current Year	66,733	340,886
One Year Before	330,489	219,504
Two Years Before	203,781	128,509
Three Years Before	108,232	73,162
Four Years Before	60,288	39,685
Prior	118,570	97,236
Revolving Loans	483	687
Total	888,576	899,669
One- to four-family residential \| Watch
Loans and Allowance for Credit Losses
Three Years Before		179
Four Years Before	171	88
Prior	862	1,341
Revolving Loans	46	57
Total	1,079	1,665
One- to four-family residential \| Classified
Loans and Allowance for Credit Losses
Two Years Before	543	158
Three Years Before	148
Prior	189	1,832
Revolving Loans		79
Total	880	2,069
Other residential
Loans and Allowance for Credit Losses
Current Year	18,795	83,822
One Year Before	108,389	133,648
Two Years Before	391,516	168,232
Three Years Before	180,916	142,630
Four Years Before	108,173	122,614
Prior	130,947	126,876
Revolving Loans	3,335	3,939
Total	942,071	781,761
Other residential \| Satisfactory
Loans and Allowance for Credit Losses
Current Year	18,795	83,822
One Year Before	108,389	133,648
Two Years Before	391,516	168,232
Three Years Before	180,916	142,630
Four Years Before	108,173	122,614
Prior	111,462	123,538
Revolving Loans	3,335	3,939
Total	922,586	778,423
Other residential \| Watch
Loans and Allowance for Credit Losses
Prior		3,338
Total		3,338
Other residential \| Special Mention
Loans and Allowance for Credit Losses
Prior	12,322
Total	12,322
Other residential \| Classified
Loans and Allowance for Credit Losses
Prior	7,163
Total	7,163
Commercial business
Loans and Allowance for Credit Losses
Current Year	58,551	45,349
One Year Before	93,410	66,258
Two Years Before	34,205	39,645
Three Years Before	15,398	15,505
Four Years Before	10,043	9,309
Prior	56,413	65,735
Revolving Loans	62,077	64,279
Total	330,097	306,080
Current Period Gross Charge Offs
One Year Before	7
Prior	1,030
Revolving Loans		51
Total	1,037	51
Commercial business \| Satisfactory
Loans and Allowance for Credit Losses
Current Year	58,551	45,349
One Year Before	92,224	66,258
Two Years Before	30,361	39,645
Three Years Before	15,371	15,505
Four Years Before	10,043	9,309
Prior	55,044	65,307
Revolving Loans	57,177	64,088
Total	318,771	305,461
Commercial business \| Watch
Loans and Allowance for Credit Losses
Prior	1,369	34
Total	1,369	34
Commercial business \| Special Mention
Loans and Allowance for Credit Losses
One Year Before	1,186
Two Years Before	3,840
Revolving Loans	4,900
Total	9,926
Commercial business \| Classified
Loans and Allowance for Credit Losses
Two Years Before	4
Three Years Before	27
Prior		394
Revolving Loans		191
Total	$ 31	$ 585

Loans and Allowance for Cred_16

Loans and Allowance for Credit Losses - Schedule of related party transactions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Loans and Allowance for Credit Losses
Balance, beginning of year	$ 7,950	$ 10,097
New loans	10,694	3,079
Payments	(2,618)	(5,226)
Balance, end of year	$ 16,026	$ 7,950

FDIC-Assisted Acquired Loans (D

FDIC-Assisted Acquired Loans (Details) - USD ($)	Dec. 31, 2023	Dec. 31, 2022	Jun. 09, 2017	Apr. 26, 2016	Jun. 20, 2014
FDIC-Assisted Acquired Loans
Goodwill recorded on acquisition date	$ 10,527,000	$ 10,813,000
Team Bank
FDIC-Assisted Acquired Loans
Goodwill recorded on acquisition date				$ 0
Carrying value of loans receivable	2,191,000	2,703,000
Vantus Bank
FDIC-Assisted Acquired Loans
Goodwill recorded on acquisition date				0
Carrying value of loans receivable	3,052,000	3,983,000
Sun Security Bank
FDIC-Assisted Acquired Loans
Goodwill recorded on acquisition date				$ 0
Carrying value of loans receivable	6,263,000	7,221,000
Inter Bank
FDIC-Assisted Acquired Loans
Goodwill recorded on acquisition date			$ 0
Carrying value of loans receivable	19,727,000	24,402,000
Valley Bank
FDIC-Assisted Acquired Loans
Goodwill recorded on acquisition date					$ 0
Carrying value of loans receivable	$ 10,323,000	$ 12,750,000

Other Real Estate Owned and R_3

Other Real Estate Owned and Repossessions - Major classifications of other real estate owned (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Other Real Estate Owned and Repossessions
Foreclosed assets held for sale and repossessions	$ 23	$ 50
Other real estate owned not acquired through foreclosure	0	183
Other real estate owned and repossessions	23	233
One- to four-family residential
Other Real Estate Owned and Repossessions
Repossessed Assets	0	0
Commercial real estate
Other Real Estate Owned and Repossessions
Repossessed Assets	0	0
Land development
Other Real Estate Owned and Repossessions
Repossessed Assets	0	0
One- to four-family construction
Other Real Estate Owned and Repossessions
Repossessed Assets	0	0
Subdivision construction
Other Real Estate Owned and Repossessions
Repossessed Assets	0	0
Other residential
Other Real Estate Owned and Repossessions
Repossessed Assets	0	0
Commercial business
Other Real Estate Owned and Repossessions
Repossessed Assets	0	0
Consumer
Other Real Estate Owned and Repossessions
Foreclosed assets held for sale and repossessions	$ 23	$ 50

Other Real Estate Owned and R_4

Other Real Estate Owned and Repossessions (Details)	12 Months Ended
Other Real Estate Owned and Repossessions (Details)	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($) property	Dec. 31, 2021 USD ($)
Other Real Estate Owned and Repossessions
Valuation write-downs	$ 81,000	$ 23,000	$ 211,000
Former branch
Other Real Estate Owned and Repossessions
Amount of one former branch location	2
Number of real estate properties \| property		2
Valuation write-downs		$ 0
Residential mortgage
Other Real Estate Owned and Repossessions
Mortgage loans in process of foreclosure, amount	$ 0	$ 173,000

Other Real Estate Owned and R_5

Other Real Estate Owned and Repossessions - Expenses applicable to other real estate owned and repossessions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Other Real Estate Owned and Repossessions
Net gains on sales of other real estate owned and repossessions	$ (42)	$ (149)	$ (282)
Valuation write-downs	81	23	211
Operating expenses, net of rental income	272	485	698
Expenses on other real estate owned and repossessions	$ 311	$ 359	$ 627

Premises and Equipment - Proper

Premises and Equipment - Property, Plant and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Premises and Equipment
Land	$ 39,617	$ 39,622
Buildings and improvements	107,602	105,096
Furniture, fixtures and equipment	70,162	67,505
Operating leases right of use asset	$ 6,621	$ 7,397
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Prepaid Expense and Other Assets	Prepaid Expense and Other Assets
Premises and equipment, gross	$ 224,002	$ 219,620
Less: accumulated depreciation	85,411	78,550
Total premises and equipment	$ 138,591	$ 141,070

Premises and Equipment - Additi

Premises and Equipment - Additional information (Details) - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2019
Premises and Equipment
Operating leases right of use asset	$ 6,621,000	$ 7,397,000
Operating leases liability	$ 6,870,000	7,599,000
Weighted-average lease term	6 years 10 months 24 days
Operating lease, weighted average discount rate, percent	3.79%
Operating lease, expense	$ 1,740,000	1,579,000	$ 1,500,000
Lease expense related to ATMs	317,000	307,000	307,000
Income recognized from lessor agreements	$ 1,300,000	$ 1,200,000	$ 1,200,000
Operating Lease, Lease Income, Statement of Income or Comprehensive Income [Extensible Enumeration]	Occupancy, Net	Occupancy, Net	Occupancy, Net
Minimum
Premises and Equipment
Lessee expected lease terms	P0Y3M18D
Maximum
Premises and Equipment
Lessee expected lease terms	P14Y10M24D
ASU 2016-02 \| Adjustment
Premises and Equipment
Operating leases right of use asset				$ 9,500,000

Premises and Equipment - Statem

Premises and Equipment - Statement of financial information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Statement of Financial Condition
Operating leases right of use asset	$ 6,621	$ 7,397
Operating leases liability	6,870	7,599
Statement of Income
Operating lease costs classified as occupancy and equipment expense (includes short-term lease costs and amortization of right of use asset)	1,740	1,579	$ 1,500
Supplemental Cash Flow Information
Operating cash flows from operating leases	1,681	1,547
Operating leases	$ 296	$ 618

Premises and Equipment - Future

Premises and Equipment - Future expected lease payments for leases (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Future expected lease payments
2024	$ 1,313
2025	1,297
2026	1,241
2027	1,172
2028	900
Thereafter	1,899
Future lease payments expected	7,822
Less interest portion of lease payments	(952)
Lease liability	$ 6,870	$ 7,599

Investments in Limited Partne_2

Investments in Limited Partnerships (Details) $ in Millions	12 Months Ended
Investments in Limited Partnerships (Details) $ in Millions	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Investments in Limited Partnerships
Number of investments in affordable housing partnerships	22	19
Investments in affordable housing partnerships carrying value, net	$ 66.3	$ 38.4
Federal affordable housing tax credits	75.9
Expected amortization of investments in affordable housing partnerships	68.9
Usage of federal affordable housing tax credits	7.7	4.9	$ 4.9
Actual amortization of investments in affordable housing partnerships	$ 7.2	$ 4.4	$ 4.2

Investments in Limited Partne_3

Investments in Limited Partnerships - Investments in Community Development Entities and Investments in Limited Partnerships for Federal Rehabilitation/Historic Tax Credits (Details) - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Investments in Limited Partnerships
Investments in community development entities net carrying amount	$ 361,000	$ 465,000
Credit allowance period	7 years
Community development entities, minimum period before redemption	7 years
Usage of investment in community development entities federal new market tax credits	$ 100,000	100,000	$ 100,000
Actual amortization of investment in community development entities	83,000	83,000	$ 86,000
Investments in limited partnerships for federal or historic tax credits	$ 415,000	$ 629,000
Credit allowance period for federal rehabilitation/historic tax credits	5 years
For the First three years
Investments in Limited Partnerships
Percentage of investments on credit allowance period	5%
For the next four years
Investments in Limited Partnerships
Percentage of investments on credit allowance period	6%

Deposits (Details)

Deposits (Details) - USD ($) $ in Thousands	12 Months Ended
Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Deposits
Time deposits	$ 948,202	$ 1,021,296
Non-interest-bearing demand deposits	895,496	1,063,588
Interest-bearing demand and savings deposits (weighted average rate 1.54% and 0.65%)	2,216,482	2,188,535
Interest-bearing domestic deposits, brokered	661,528	411,491
Total Deposits	4,721,708	4,684,910
Demand deposit accounts, total	$ 3,111,978	$ 3,252,123
Weighted average interest rate on certificates of deposit	3.79%	1.93%
Interest-Bearing Deposits
Deposits
Interest-bearing domestic deposits, brokered	$ 661,528	$ 411,491
Weighted average rate on brokered deposits	5.20%	4.03%
0.90% and 0.12%
Deposits
Weighted average rate on interest-bearing demand and savings deposits	1.67%	0.65%
0.00% - 0.99%
Deposits
Time deposits	$ 86,831	$ 280,784
0.00% - 0.99% \| Minimum
Deposits
Weighted average interest rate on certificates of deposit	0%
0.00% - 0.99% \| Maximum
Deposits
Weighted average interest rate on certificates of deposit	0.99%
1.00% - 1.99%
Deposits
Time deposits	$ 22,485	125,951
1.00% - 1.99% \| Minimum
Deposits
Weighted average interest rate on certificates of deposit	1%
1.00% - 1.99% \| Maximum
Deposits
Weighted average interest rate on certificates of deposit	1.99%
2.00% - 2.99%
Deposits
Time deposits	$ 44,354	381,547
2.00% - 2.99% \| Minimum
Deposits
Weighted average interest rate on certificates of deposit	2%
2.00% - 2.99% \| Maximum
Deposits
Weighted average interest rate on certificates of deposit	2.99%
3.00% - 3.99%
Deposits
Time deposits	$ 46,304	228,131
3.00% - 3.99% \| Minimum
Deposits
Weighted average interest rate on certificates of deposit	3%
3.00% - 3.99% \| Maximum
Deposits
Weighted average interest rate on certificates of deposit	3.99%
4.00% - 4.99%
Deposits
Time deposits	$ 739,645	$ 4,883
4.00% - 4.99% \| Minimum
Deposits
Weighted average interest rate on certificates of deposit	4%
4.00% - 4.99% \| Maximum
Deposits
Weighted average interest rate on certificates of deposit	4.99%
5% and above
Deposits
Time deposits	$ 8,583
Weighted average interest rate on certificates of deposit	5%

Deposits - Maturities of certif

Deposits - Maturities of certificates of deposit (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Deposits
Time deposits by category	$ 948,202	$ 1,021,296
Certificates of deposit
Deposits
2024	1,188,266
2025	315,802
2026	101,262
2027	2,394
2028	948
Thereafter	1,058
Time deposits by category	1,609,730
Retail \| Certificates of deposit
Deposits
2024	921,485
2025	19,250
2026	3,067
2027	2,394
2028	948
Thereafter	1,058
Time deposits by category	948,202
Brokered \| Certificates of deposit
Deposits
2024	266,781
2025	296,552
2026	98,195
Time deposits by category	$ 661,528

Deposits - Summary of interest

Deposits - Summary of interest expense on deposits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Deposits.
Checking and savings accounts	$ 28,579	$ 5,968	$ 4,023
Certificate accounts	29,796	8,788	8,150
Brokered deposits	30,719	6,162	989
Early withdrawal penalties	(337)	(242)	(60)
Total interest expense on deposits	$ 88,757	$ 20,676	$ 13,102

Deposits - Weighted Average Int

Deposits - Weighted Average Interest Rate on Certificates of Deposit (Details)	Dec. 31, 2023	Dec. 31, 2022
Deposits.
Weighted average interest rate on certificates of deposit	3.79%	1.93%

Deposits - Additional informati

Deposits - Additional information (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Deposits
Interest-bearing domestic deposits, brokered	$ 661,528	$ 411,491
Brokered deposits that had variable rates of interest	95,000
Brokered deposits that had fixed rates of interest	$ 185,300
Percentage of deposit liability uninsured	28%
Unaffiliated entities
Deposits
Percentage of deposit liability uninsured	13%
IntraFi Financial Network
Deposits
Interest-bearing domestic deposits, brokered	$ 300,000	$ 150,000

Advances From Federal Home Lo_2

Advances From Federal Home Loan Bank (Details) - USD ($)	Dec. 31, 2023	Dec. 31, 2022
Advances From Federal Home Loan Bank
Outstanding term advances from Federal Home Loan Bank	$ 0	$ 0
Loans with carrying values	1,740,000,000	1,620,000,000
Long-term line of credit	0	0
Federal Home Loan Bank of Des Moines
Advances From Federal Home Loan Bank
Long-term line of credit	919,100,000
Estimate of Fair Value Measurement
Advances From Federal Home Loan Bank
Fair value of investments	$ 0	$ 0

Short-Term Borrowings - Schedul

Short-Term Borrowings - Schedule of Short-Term Borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Short-Term Borrowings.
Notes payable - Community Development Equity Funds	$ 1,610	$ 1,083
Securities sold under reverse repurchase agreements with customers	70,843	176,843
Overnight borrowings from the Federal Home Loan Bank	251,000	88,500
Short-term borrowings total	$ 323,453	$ 266,426

Short-Term Borrowings - Sched_2

Short-Term Borrowings - Schedule of Repurchase Agreements (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Short-Term Borrowings
Mortgage-backed securities - GNMA, FNMA, FHLMC	$ 70,843	$ 176,843
Financial Assets Sold under Agreement to Repurchase \| Mortgage Backed Securities, Other
Short-Term Borrowings
Mortgage-backed securities - GNMA, FNMA, FHLMC	$ 70,843	$ 176,843

Short-Term Borrowings - Short-t

Short-Term Borrowings - Short-term borrowings (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Short-Term Borrowings.
Weighted average interest rates of short-term borrowings	4.76%	2.16%
Short-term borrowings average	$ 225.1	$ 181.1
Maximum amounts outstanding of short-term borrowing	$ 410.6	$ 317.7

Federal Reserve Bank Borrowin_2

Federal Reserve Bank Borrowings (Details) - USD ($) $ in Thousands	1 Months Ended
	Jan. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Federal Reserve Bank Borrowings
Amount borrowed		$ 0	$ 0
Federal Reserve Bank Advances
Federal Reserve Bank Borrowings
Available line of credit		$ 452,000	$ 397,000
Federal Reserve Bank Advances \| Subsequent event
Federal Reserve Bank Borrowings
short term debt	$ 180,000
Fixed interest rate	4.83%
Assets pledged	$ 191,000

Subordinated Debentures Issue_3

Subordinated Debentures Issued to Capital Trust - Additional information (Details) - USD ($) $ in Thousands		1 Months Ended	12 Months Ended
	Jun. 30, 2023	Nov. 30, 2006	Dec. 31, 2023	Dec. 31, 2022
Subordinated Debentures Issued to Capital Trusts
Subordinated debentures issued to capital trust		$ 25,800	$ 25,774	$ 25,774
Subordinated Debentures
Subordinated Debentures Issued to Capital Trusts
Aggregate liquidation amount		$ 25,000
Interest rate		6.98%	7.24%	6.04%
London interbanks offered rate (LIBOR) \| Subordinated Debentures
Subordinated Debentures Issued to Capital Trusts
Spread on variable rate		1.60%
Secured overnight financing rate (SOFR) overnight index swap rate \| Subordinated Debentures
Subordinated Debentures Issued to Capital Trusts
Spread on variable rate	1.60%

Subordinated Debentures Issue_4

Subordinated Debentures Issued to Capital Trust - Schedule of subordinated debentures issued to capital trusts (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Nov. 30, 2006
Subordinated Debentures Issued to Capital Trusts
Subordinated debentures	$ 25,774	$ 25,774	$ 25,800

Subordinated Notes (Details)

Subordinated Notes (Details) - USD ($)		12 Months Ended
Subordinated Notes (Details) - USD ($)	Jun. 10, 2020	Dec. 31, 2023	Dec. 31, 2022
Subordinated Notes
Public offering and sale of subordinated notes	$ 75,000,000
Subordinated note interest rate	5.50%
Amortization of the debt issuance costs		$ 297,000	$ 293,000
Subordinated borrowing, interest rate		5.92%	5.95%
Senior Subordinated Notes
Subordinated Notes
Proceeds from issuance of senior long-term debt	$ 73,500,000
Payment of financing and stock issuance costs	$ 1,500,000
Expected life of the notes	5 years
Senior Subordinated Notes \| SOFR
Subordinated Notes
Spread on variable rate, plus 3 months SOFR	5.325%

Subordinated Notes - Subordinat

Subordinated Notes - Subordinated borrowing (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Subordinated Notes
Subordinated notes	$ 75,000	$ 75,000
Less: unamortized debt issuance costs	421	719
Total subordinated notes	$ 74,579	$ 74,281

Income Taxes - Additional infor

Income Taxes - Additional information (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Income Taxes
Retained earnings for which no deferred income tax liability had been recognized	$ 17.5	$ 17.5
Unrecorded deferred income tax liability	$ 4.3	$ 4.3

Income Taxes - Schedule of prov

Income Taxes - Schedule of provision for income taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Income Taxes
Taxes currently payable	$ 14,559	$ 15,769	$ 16,025
Deferred income taxes	2,985	2,485	3,712
Income taxes	$ 17,544	$ 18,254	$ 19,737

Income Taxes - Schedule of defe

Income Taxes - Schedule of deferred tax assets and liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Deferred tax assets
Allowance for credit losses	$ 15,911	$ 15,618
Liability for unfunded commitments	1,842	3,153
Interest on nonperforming loans	71	66
Accrued expenses and other	1,676	1,341
Capital loss carryforward	150	67
Unrealized loss on available-for-sale securities	13,208	15,407
Unrealized loss on securities transferred to held-to-maturity securities	16
Unrealized loss on active cash flow derivatives	4,255	7,695
Income recognized for tax in excess of book related to terminated cash flow derivatives	3,532	5,530
Deferred income	124	290
Difference in basis for acquired assets and liabilities	353	686
Deferred Tax Assets, Gross, Total	41,138	49,853
Deferred tax liabilities
Tax depreciation in excess of book depreciation	(7,697)	(8,210)
FHLB stock dividends	(337)	(337)
Partnership tax credits	(998)	(668)
Prepaid expenses	(1,373)	(1,196)
Unrealized gain on securities transferred to held-to-maturity securities		(29)
Unrealized gain on terminated cash flow derivatives	(3,532)	(5,530)
Other	(277)	(235)
Deferred tax liabilities, gross, total	(14,214)	(16,205)
Net deferred tax asset	$ 26,924	$ 33,648

Income Taxes - Effective income

Income Taxes - Effective income tax rate reconciliation (Details)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Income Taxes
Tax at statutory rate	21%	21%	21%
Nontaxable interest and dividends	(0.50%)	(0.50%)	(0.30%)
Tax credits	(2.70%)	(1.60%)	(1.80%)
State taxes	1.70%	1.80%	1.30%
Deferred tax rate change benefit		(0.60%)
Other	1.10%	(0.70%)	0.70%
Effective income tax rate reconciliation, percent, Total	20.60%	19.40%	20.90%

Disclosures About Fair Value _3

Disclosures About Fair Value of Financial Instruments - Fair value, assets measured on recurring basis (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Agency mortgage-backed securities
Fair value of recurring basis and the level within the fair value hierarchy in which the fair value measurements
Assets fair value	$ 280,231	$ 286,482
Agency collateralized mortgage obligations
Fair value of recurring basis and the level within the fair value hierarchy in which the fair value measurements
Assets fair value	75,946	78,474
States and political subdivisions securities
Fair value of recurring basis and the level within the fair value hierarchy in which the fair value measurements
Assets fair value	58,137	57,495
Small Business Administration securities
Fair value of recurring basis and the level within the fair value hierarchy in which the fair value measurements
Assets fair value	63,893	68,141
Interest rate derivative asset
Fair value of recurring basis and the level within the fair value hierarchy in which the fair value measurements
Assets fair value	8,205	11,061
Interest rate derivative liability
Fair value of recurring basis and the level within the fair value hierarchy in which the fair value measurements
Assets fair value	(25,336)	(42,097)
Level 2 \| Agency mortgage-backed securities
Fair value of recurring basis and the level within the fair value hierarchy in which the fair value measurements
Assets fair value	280,231	286,482
Level 2 \| Agency collateralized mortgage obligations
Fair value of recurring basis and the level within the fair value hierarchy in which the fair value measurements
Assets fair value	75,946	78,474
Level 2 \| States and political subdivisions securities
Fair value of recurring basis and the level within the fair value hierarchy in which the fair value measurements
Assets fair value	58,137	57,495
Level 2 \| Small Business Administration securities
Fair value of recurring basis and the level within the fair value hierarchy in which the fair value measurements
Assets fair value	63,893	68,141
Level 2 \| Interest rate derivative asset
Fair value of recurring basis and the level within the fair value hierarchy in which the fair value measurements
Assets fair value	8,205	11,061
Level 2 \| Interest rate derivative liability
Fair value of recurring basis and the level within the fair value hierarchy in which the fair value measurements
Assets fair value	(25,336)	(42,097)
Level 3
Fair value of recurring basis and the level within the fair value hierarchy in which the fair value measurements
Available-for-Sale Securities	$ 0	$ 0

Disclosures About Fair Value _4

Disclosures About Fair Value of Financial Instruments - Fair value measurements of assets measured at fair value on a nonrecurring basis (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Nonrecurring Measurements
Foreclosured assets held for sale	$ 0	$ 0
Collateral-dependent loans
Nonrecurring Measurements
Fair value measurement of assets	7,372	785
Level 3 \| Collateral-dependent loans
Nonrecurring Measurements
Fair value measurement of assets	$ 7,372	$ 785

Disclosures About Fair Value _5

Disclosures About Fair Value of Financial Instruments - Schedule of financial instruments fair value (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Subordinated debentures
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Carrying Amount	$ 25,774	$ 25,774
Fair Value	$ 25,774	$ 25,774
Hierarchy Level	3	3
Subordinated notes
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Carrying Amount	$ 74,579	$ 74,281
Fair Value	$ 71,625	$ 72,000
Hierarchy Level	2	2
Deposits
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Carrying Amount	$ 4,721,708	$ 4,684,910
Fair Value	$ 4,714,624	$ 4,672,913
Hierarchy Level	3	3
Short-term Debt
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Carrying Amount	$ 323,453	$ 266,426
Fair Value	$ 323,453	$ 266,426
Hierarchy Level	3	3
Unrecognized financial instruments (net of contractual value) \| Commitments to originate loans
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Hierarchy Level	3	3
Unrecognized financial instruments (net of contractual value) \| Letters of credit
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Carrying Amount	$ 78	$ 73
Fair Value	$ 78	$ 73
Hierarchy Level	3	3
Unrecognized financial instruments (net of contractual value) \| Lines of credit
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Hierarchy Level	3	3
Interest payable
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Carrying Amount	$ 6,225	$ 3,010
Fair Value	$ 6,225	$ 3,010
Hierarchy Level	3	3
Loans, net of allowance for credit losses
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Carrying Amount	$ 4,589,620	$ 4,506,836
Fair Value	$ 4,402,314	$ 4,391,084
Hierarchy Level	3	3
Cash and cash equivalents
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Carrying Amount	$ 211,333	$ 168,520
Fair Value	$ 211,333	$ 168,520
Hierarchy Level	1	1
Held-to-maturity securities
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Carrying Amount	$ 195,023	$ 202,495
Fair Value	$ 171,193	$ 177,765
Hierarchy Level	2	2
Mortgage loans held for sale
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Carrying Amount	$ 5,849	$ 4,811
Fair Value	$ 5,849	$ 4,811
Hierarchy Level	2	2
Interest Receivable
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Carrying Amount	$ 21,206	$ 19,107
Fair Value	$ 21,206	$ 19,107
Hierarchy Level	3	3
Investment in FHLB stock and other assets
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Carrying Amount	$ 26,313	$ 30,814
Fair Value	$ 26,313	$ 30,814
Hierarchy Level	3	3

Derivatives and Hedging Activ_3

Derivatives and Hedging Activities - Non-designated Hedges (Details)	1 Months Ended	12 Months Ended
	Jan. 31, 2024 USD ($)	Dec. 31, 2023 USD ($) contract loan	Dec. 31, 2022 USD ($) loan contract	Dec. 31, 2021 USD ($)	Feb. 28, 2023 USD ($)
Nondesignated Hedges
DERIVATIVES AND HEDGING ACTIVITIES
Gains (losses) on fair value hedges recognized in earnings		$ (337,000)	$ 321,000	$ 312,000
Nondesignated Hedges \| Commercial customers
DERIVATIVES AND HEDGING ACTIVITIES
Total notional amount of the swaps		$ 82,200,000	$ 107,000,000
Interest rate swaps \| Nondesignated Hedges
DERIVATIVES AND HEDGING ACTIVITIES
Number of participation loans purchased \| loan		1	1
Participating mortgage loans, mortgage obligations amount		$ 8,600,000	$ 8,800,000
Interest rate swaps \| Nondesignated Hedges \| Third parties
DERIVATIVES AND HEDGING ACTIVITIES
Number of interest rate derivatives held \| contract		6	6
Interest rate swaps \| Nondesignated Hedges \| Commercial customers
DERIVATIVES AND HEDGING ACTIVITIES
Number of interest rate derivatives held \| contract		6	6
Interest rate swaps \| Fair Value Hedges
DERIVATIVES AND HEDGING ACTIVITIES
Total notional amount of the swaps					$ 95,000,000
Fixed rate of interest					4.65%
Interest rate swaps \| Fair Value Hedges \| Subsequent event
DERIVATIVES AND HEDGING ACTIVITIES
Net settled payment	$ 26,500
Brokered deposit	$ 163,000
Interest rate cap \| Nondesignated Hedges \| Third parties
DERIVATIVES AND HEDGING ACTIVITIES
Number of interest rate derivatives held \| contract			1
Interest rate cap \| Nondesignated Hedges \| Commercial customers
DERIVATIVES AND HEDGING ACTIVITIES
Number of interest rate derivatives held \| contract			1

Derivatives and Hedging Activ_4

Derivatives and Hedging Activities - Cash Flow Hedges (Details)	1 Months Ended	3 Months Ended		12 Months Ended
	Mar. 31, 2020 USD ($)	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)	Dec. 31, 2023 USD ($) item	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Feb. 28, 2023 USD ($)	Jul. 31, 2022 USD ($)	Mar. 31, 2022 USD ($)	Oct. 31, 2018 USD ($)
DERIVATIVES AND HEDGING ACTIVITIES
USD-Prime rate				8.50%
USD-SOFR OIS rate				5.34446%
Non-interest income related to changes in the fair value		$ 0	$ 0	$ 0	$ 0
Interest rate swaps \| Cash flow hedges
DERIVATIVES AND HEDGING ACTIVITIES
Total notional amount of the swaps									$ 300,000,000	$ 400,000,000
Derivative, fixed interest rate									1.6725%	3.018%
Terminated notional amount of derivatives	$ 400,000,000
Expected interest income on termination	$ 45,900,000
Floating rate of interest		5.456%		5.456%
Interest rate swap interest income				$ 8,100,000	8,100,000	$ 8,100,000
Terminated interest rate swap				10,400,000	$ 941,000
Interest rate swaps \| Fair Value Hedges
DERIVATIVES AND HEDGING ACTIVITIES
Total notional amount of the swaps							$ 95,000,000
Derivative, fixed interest rate							4.65%
Interest rate swap one \| Cash flow hedges
DERIVATIVES AND HEDGING ACTIVITIES
Total notional amount of the swaps								$ 200,000,000
Derivative, fixed interest rate								2.628%
Interest rate swap two \| Cash flow hedges
DERIVATIVES AND HEDGING ACTIVITIES
Total notional amount of the swaps								$ 200,000,000
Derivative, fixed interest rate								5.725%
July 2022 interest rate swaps \| Cash flow hedges
DERIVATIVES AND HEDGING ACTIVITIES
Loan interest income expense				$ 7,200,000
Number of loans \| item				2

Derivatives and Hedging Activ_5

Derivatives and Hedging Activities - Fair value and location (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Derivatives designated as hedging instruments
Total derivatives designated as hedging instruments, Liabilities	$ 17,296	$ 31,277
Derivatives not designated as hedging instruments
Total derivatives not designated as hedging instruments, Assets	8,205	11,061
Total derivatives not designated as hedging instruments, Liabilities	8,040	10,820
Active interest rate swaps \| Accrued expenses and other liabilities
Derivatives designated as hedging instruments
Total derivatives designated as hedging instruments, Liabilities	17,296	31,277
Interest rate products \| Prepaid expenses and other current assets
Derivatives not designated as hedging instruments
Total derivatives not designated as hedging instruments, Assets	8,205	11,061
Interest rate products \| Accrued expenses and other liabilities
Derivatives not designated as hedging instruments
Total derivatives not designated as hedging instruments, Liabilities	$ 8,040	$ 10,820

Derivatives and Hedging Activ_6

Derivatives and Hedging Activities - Cash Flow Hedge on Comprehensive Income (Details) - Amount of Gain (Loss) Recognized in AOCI - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
DERIVATIVES AND HEDGING ACTIVITIES
Interest rate swaps, net of income taxes	$ 4,274	$ (29,853)	$ (6,271)
Terminated interest rate swap, net of income taxes
DERIVATIVES AND HEDGING ACTIVITIES
Interest rate swaps, net of income taxes	(6,267)	(6,271)	$ (6,271)
Active interest rate swap, net of income taxes
DERIVATIVES AND HEDGING ACTIVITIES
Interest rate swaps, net of income taxes	$ 10,541	$ (23,582)

Derivatives and Hedging Activ_7

Derivatives and Hedging Activities - Cash Flow Hedge on Statements of Income (Details) - Interest Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
DERIVATIVES AND HEDGING ACTIVITIES
Interest rate swaps, net of income taxes	$ (9,496)	$ 7,182	$ 8,123
Terminated interest rate swap, net of income taxes
DERIVATIVES AND HEDGING ACTIVITIES
Interest rate swaps, net of income taxes	8,122	8,123	$ 8,123
Active interest rate swap, net of income taxes
DERIVATIVES AND HEDGING ACTIVITIES
Interest rate swaps, net of income taxes	$ (17,618)	$ (941)

Derivatives and Hedging Activ_8

Derivatives and Hedging Activities - Agreements with Derivative Counterparties (Details) - USD ($)	Dec. 31, 2023	Dec. 31, 2022
Loan level swaps
DERIVATIVES AND HEDGING ACTIVITIES
Derivative counterparties collateral	$ 11,600,000	$ 20,700,000
Commercial lending swaps
DERIVATIVES AND HEDGING ACTIVITIES
Derivative counterparties collateral	8,200,000
Interest rate swaps
DERIVATIVES AND HEDGING ACTIVITIES
Derivative counterparties collateral	19,200,000
Swaps related to brokered deposits
DERIVATIVES AND HEDGING ACTIVITIES
Collateral from the Company	44,000
Net asset position \| Balance sheet hedge
DERIVATIVES AND HEDGING ACTIVITIES
Termination value of derivatives with derivative dealer counterparties	$ 137,000	$ 242,000

Commitments and Credit Risk - O

Commitments and Credit Risk - Outstanding Commitments to Originate Loans (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Commitments and Credit Risk
Outstanding commitments to originate loans	$ 1.6	$ 97.1

Commitments and Credit Risk - M

Commitments and Credit Risk - Mortgage Loans in Process of Origination (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Commitments and Credit Risk
Mortgage loans in the process of origination	$ 12.3	$ 16.8

Commitments and Credit Risk - L

Commitments and Credit Risk - Letters of Credit (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Commitments and Credit Risk
Letters of credit outstanding, amount	$ 16.5	$ 16.7

Commitments and Credit Risk -_2

Commitments and Credit Risk - Lines of Credit (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Commitments and Credit Risk
Letters of credit outstanding, amount	$ 16.5	$ 16.7
Commercial lines of credit
Commitments and Credit Risk
Letters of credit outstanding, amount	1,000	1,800
Open-end consumer lines of credit
Commitments and Credit Risk
Letters of credit outstanding, amount	$ 204	$ 199.2

Commitments and Credit Risk_ Cr

Commitments and Credit Risk: Credit Risk - Secured Loans (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Asset pledged as collateral
Commitments and Credit Risk
Loans and leases receivable, collateral for secured borrowings	$ 788.6	$ 814.1

Additional Cash Flow Informat_3

Additional Cash Flow Information - Schedule of Cash Flow, Supplemental Disclosures (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Additional Cash Flow Information
Income taxes paid	$ 17,544	$ 18,254	$ 19,737
Noncash investing and financing activities
Additional Cash Flow Information
Real estate acquired in settlement of loans	142	371	1,154
Transfer of available-for-sale securities to held-to-maturity		226,500
Conversion of premises and equipment to foreclosed assets			1,215
Dividends declared but not paid	4,722	4,893	4,727
Additional cash payment information
Additional Cash Flow Information
Interest paid	100,405	24,999	22,700
Income taxes paid	$ 7,888	$ 10,258	$ 12,959

Employee Benefits (Details)

Employee Benefits (Details) - USD ($) $ in Millions	12 Months Ended
Employee Benefits (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Jul. 01, 2023	Jul. 01, 2022
Employee Benefits
Employer contributions charged to expense	$ 1.7	$ 1.5	$ 2.1
Percentage of employer maximum total contributions	5%
Funded status of the plan (as a percent)				94.40%	100%
Percentage of employer's matching contribution of the employee's compensation	100%
Percentage of employee's compensation on which employer matches	3%
Percentage of employer's matching contribution of the employee's compensation	50%
Percentage of employee's compensation on which employer matches	2%
Employer contributions charged to expense	$ 1.8	$ 1.7	$ 1.7

Stock Compensation Plans - Addi

Stock Compensation Plans - Additional Information (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2023 USD ($) shares	Dec. 31, 2022 USD ($) shares	Dec. 31, 2021 USD ($) shares	Dec. 31, 2020 shares
Stock Compensation Plans
Number outstanding	1,240,305	1,064,917	1,033,303	971,107
Stock options term	10 years
Compensation expense for stock option grants \| $	$ 1,621	$ 1,437	$ 1,225
Percentage of cumulative annual installments	25%
2013 Plan
Stock Compensation Plans
Number of shares authorized	700,000
Number outstanding	215,394
2018 Plan
Stock Compensation Plans
Number of shares authorized	800,000
Number outstanding	612,511
2022 Plan
Stock Compensation Plans
Number of shares authorized	900,000
Number outstanding	412,400
Ratio of shares utilized for awards other than stock options and stock appreciation rights	2.5

Stock Compensation Plans - Sche

Stock Compensation Plans - Schedule of Share-based Compensation, Stock Options, Activity (Details) - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Available to Grant
Available to grant beginning of period	694,850	86,672	245,350
Available to grant end of period	487,600	694,850	86,672
Shares Under Option
Options outstanding at beginning of period	1,064,917	1,033,303	971,107
Granted	210,300	208,400	202,700
Exercised	(22,762)	(136,801)	(91,285)
Options outstanding at end of period	1,240,305	1,064,917	1,033,303
Weighted Average Exercise Price
Weighted Average Exercise Price beginning of period	$ 53.671	$ 50.528	$ 48.079
Exercised	38.830	42.149	40.532
Weighted Average Exercise Price, end of period	$ 53.857	$ 53.671	$ 50.528
2018 Plan
Available to Grant
Granted		(2,500)	(202,700)
Termination		(123,407)
Shares Under Option
Granted		2,500	202,700
Options outstanding at end of period	612,511
Weighted Average Exercise Price
Granted		$ 61.550	$ 57.980
2022 Plan
Available to Grant
Granted	(210,300)	(205,900)
Available to Grant from 2022 Plan		900,000
Shares Under Option
Granted	210,300	205,900
Options outstanding at end of period	412,400
Weighted Average Exercise Price
Granted	$ 53.166	$ 61.505
Current plans
Available to Grant
Forfeited	3,050	750	44,022
Shares Under Option
Forfeited	(3,050)	(750)	(44,022)
Weighted Average Exercise Price
Forfeited	$ 61.550	$ 61.550	$ 52.256
Terminated plans
Available to Grant
Forfeited		39,235
Shares Under Option
Forfeited	(9,100)	(39,235)	(5,197)
Weighted Average Exercise Price
Forfeited	$ 51.123	$ 52.523	$ 44.563
Employee Stock Option
Shares Under Option
Options outstanding at beginning of period	1,064,917
Granted	210,300
Exercised	(22,762)
Forfeited	(12,150)
Options outstanding at end of period	1,240,305	1,064,917
Options exercisable, end of period	571,490
Weighted Average Exercise Price
Weighted Average Exercise Price beginning of period	$ 53.671
Granted	53.166
Exercised	38.830
Forfeited	53.741
Weighted Average Exercise Price, end of period	53.857	$ 53.671
Weighted Average Exercise Price, exercisable, end of period	$ 51.688
Weighted Average Remaining Contractual Term	6 years 8 months 26 days	7 years 1 month 17 days
Weighted Average Remaining contractual Term, exercisable	4 years 7 months 20 days

Stock Compensation Plans - Sc_2

Stock Compensation Plans - Schedule of Fair Value Option Pricing Model Assumptions (Details) - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Stock Compensation Plans
Expected dividends per share	$ 1.60	$ 1.60	$ 1.44
Risk-free interest rate	4.51%	3.77%	1.24%
Expected life of options	6 years	6 years	5 years
Expected volatility	23.69%	23.70%	28.33%
Weighted average fair value of options granted during year	$ 11.69	$ 13.46	$ 11.56

Stock Compensation Plans - Opti

Stock Compensation Plans - Options Granted and Intrinsic Value (Details) - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Stock Compensation Plans
Options granted	210,300	208,400	202,700
The total intrinsic value of options exercised	$ 354,000	$ 2,600,000	$ 1,400,000
Proceeds from Stock Options Exercised	884,000	6,258,000	3,700,000
The actual tax benefit realized for the tax deductions from option exercises	212,000	2,300,000	1,200,000
The total intrinsic value of options outstanding	7,400,000	6,700,000	9,200,000
The total intrinsic value of options exercisable	$ 4,500,000	$ 4,100,000	$ 5,300,000

Stock Compensation Plans - Sc_3

Stock Compensation Plans - Schedule of Nonvested Share Activity (Details) - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Stock Compensation Plans
Granted	210,300	208,400	202,700
Nonvested options, Weighted Average Grant Date Fair Value, Granted	$ 11.69	$ 13.46	$ 11.56
Employee Stock Option [Member]
Stock Compensation Plans
Nonvested options, beginning of period	636,844
Granted	210,300
Vesting this period	(169,592)
Nonvested options forfeited	(8,737)
Nonvested options, end of period	668,815	636,844
Nonvested options, Weighted Average Exercise Price, beginning of period	$ 56.073
Granted	53.166
Nonvested options, Weighted Average Exercise Price, Vested	53.882
Nonvested options, Weighted Average Exercise Price, Forfeited	56.347
Nonvested options, Weighted Average Exercise Price, end of period	55.711	$ 56.073
Nonvested options, Weighted Average Grant Date Fair Value, beginning of period	11.117
Nonvested options, Weighted Average Grant Date Fair Value, Granted	11.681
Nonvested options, Weighted Average Grant Date Fair Value, Vested	9.755
Nonvested options, Weighted Average Grant Date Fair Value, Forfeited	11.299
Nonvested options, Weighted Average Grant Date Fair Value, end of period	$ 11.640	$ 11.117

Stock Compensation Plans - Nonv

Stock Compensation Plans - Nonvested Options Granted Unrecognized Compensation Cost (Details) $ in Millions	12 Months Ended
	Dec. 31, 2023 USD ($)
Stock Compensation Plans
Total unrecognized compensation cost related to nonvested options granted	$ 7

Stock Compensation Plans - Shar

Stock Compensation Plans - Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable (Details) - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Stock Compensation Plans
Number outstanding	1,240,305	1,064,917	1,033,303	971,107
Weighted Average Exercise Price	$ 53.857	$ 53.671	$ 50.528	$ 48.079
Range of Exercise Prices \| Options Outstanding
Stock Compensation Plans
Number outstanding	1,240,305
Weighted Average Remaining Contractual Term	6 years 8 months 26 days
Weighted Average Exercise Price	$ 53.857
Range of Exercise Prices \| Options exercisable
Stock Compensation Plans
Options exercisable, end of period	571,490
Weighted Average Exercise Price	$ 51.688
Range of Exercise Prices \| $32.590 to 38.610
Stock Compensation Plans
Exercise price range, minimum	32.590
Exercise price range, maximum	$ 38.610
Range of Exercise Prices \| $32.590 to 38.610 \| Options Outstanding
Stock Compensation Plans
Number outstanding	26,906
Weighted Average Remaining Contractual Term	11 months 15 days
Weighted Average Exercise Price	$ 33.317
Range of Exercise Prices \| $32.590 to 38.610 \| Options exercisable
Stock Compensation Plans
Options exercisable, end of period	26,906
Weighted Average Exercise Price	$ 33.317
Range of Exercise Prices \| $41.300 to 41.740
Stock Compensation Plans
Exercise price range, minimum	41.300
Exercise price range, maximum	$ 41.740
Range of Exercise Prices \| $41.300 to 41.740 \| Options Outstanding
Stock Compensation Plans
Number outstanding	200,538
Weighted Average Remaining Contractual Term	5 years 8 months 15 days
Weighted Average Exercise Price	$ 41.628
Range of Exercise Prices \| $41.300 to 41.740 \| Options exercisable
Stock Compensation Plans
Options exercisable, end of period	119,930
Weighted Average Exercise Price	$ 41.552
Range of Exercise Prices \| $50.250 to 59.750
Stock Compensation Plans
Exercise price range, minimum	50.250
Exercise price range, maximum	$ 59.750
Range of Exercise Prices \| $50.250 to 59.750 \| Options Outstanding
Stock Compensation Plans
Number outstanding	668,327
Weighted Average Remaining Contractual Term	6 years 10 months 13 days
Weighted Average Exercise Price	$ 54.686
Range of Exercise Prices \| $50.250 to 59.750 \| Options exercisable
Stock Compensation Plans
Options exercisable, end of period	316,725
Weighted Average Exercise Price	$ 54.194
Range of Exercise Prices \| $60.150 to 62.010
Stock Compensation Plans
Exercise price range, minimum	60.150
Exercise price range, maximum	$ 62.010
Range of Exercise Prices \| $60.150 to 62.010 \| Options Outstanding
Stock Compensation Plans
Number outstanding	344,534
Weighted Average Remaining Contractual Term	7 years 6 months 18 days
Weighted Average Exercise Price	$ 60.971
Range of Exercise Prices \| $60.150 to 62.010 \| Options exercisable
Stock Compensation Plans
Options exercisable, end of period	107,929
Weighted Average Exercise Price	$ 60.176

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income - Schedule of Amounts in Accumulated Other Comprehensive Income (Loss) to be Recognized over Next Fiscal Year (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Accumulated Other Comprehensive Income
Accumulated other comprehensive income, before tax	$ (56,692)	$ (71,303)
Tax effect	14,211	17,948
Net-of-tax amount	(42,481)	(53,355)
Net unrealized gain (loss) on available-for-sale securities
Accumulated Other Comprehensive Income
Accumulated other comprehensive income, before tax	(53,685)	(62,622)
Net unrealized gain on held-to-maturity securities
Accumulated Other Comprehensive Income
Accumulated other comprehensive income, before tax	(65)	118
Net unrealized gain (loss) on active derivatives used for cash flow hedges
Accumulated Other Comprehensive Income
Accumulated other comprehensive income, before tax	(17,296)	(31,277)
Net unrealized gain on terminated derivatives used for cash flow hedges
Accumulated Other Comprehensive Income
Accumulated other comprehensive income, before tax	$ 14,354	$ 22,478

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Income - Schedule of Amounts Reclassified from Accumulated Other Comprehensive Income (Details) - Reclassification out of Accumulated Other Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Accumulated Other Comprehensive Income
Total reclassifications out of AOCI	$ 6,267	$ 6,173	$ 6,271
Affected Line Item in the Statements of Income
Accumulated Other Comprehensive Income
Income taxes	(1,855)	(1,820)	(1,852)
Net realized gains (losses) on available-for-sale securities (total reclassified amount before tax) \| Affected Line Item in the Statements of Income
Accumulated Other Comprehensive Income
Unrealized loss on available-for-sale securities		(130)
Amortization of realized gain on termination of cash flow hedge (total reclassification amount before tax) \| Affected Line Item in the Statements of Income
Accumulated Other Comprehensive Income
Change in fair value of cash flow hedge	$ 8,122	$ 8,123	$ 8,123

Regulatory Matters - Schedule o

Regulatory Matters - Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations (Details) $ in Thousands	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Great Southern Bancorp, Inc.
Total capital
Actual capital, Amount	$ 770,885	$ 746,287
Actual capital, Ratio	0.152	0.135
For Capital Adequacy Purposes, Amount	$ 406,994	$ 440,767
For Capital Adequacy Purposes, Ratio	0.080	0.080
Tier I capital
Actual capital, Amount	$ 632,279	$ 607,807
Actual capital, Ratio	0.124	0.110
For Capital Adequacy Purposes, Amount	$ 305,246	$ 330,575
For Capital Adequacy Purposes, Ratio	0.060	0.060
Tier I leverage capital
Actual capital, Amount	$ 632,279	$ 607,807
Actual capital, Ratio	0.110	0.106
For Capital Adequacy Purposes, Amount	$ 229,992	$ 228,673
For Capital Adequacy Purposes, Ratio	0.040	0.040
Common equity Tier I capital
Actual capital, Amount	$ 607,279	$ 582,807
Actual capital, Ratio	0.119	0.106
For Capital Adequacy Purposes, Amount	$ 228,934	$ 247,932
For Capital Adequacy Purposes, Ratio	0.045	0.045
Great Southern Bank
Total capital
Actual capital, Amount	$ 728,113	$ 721,616
Actual capital, Ratio	0.143	0.131
For Capital Adequacy Purposes, Amount	$ 406,744	$ 440,683
For Capital Adequacy Purposes, Ratio	0.080	0.080
To Be Well capitalized Under Prompt Corrective Action Provisions, Amount	$ 508,430	$ 550,854
To Be Well capitalized Under Prompt Corrective Action Provisions, Ratio	0.100	0.100
Tier I capital
Actual capital, Amount	$ 664,545	$ 658,136
Actual capital, Ratio	0.131	0.119
For Capital Adequacy Purposes, Amount	$ 305,058	$ 330,512
For Capital Adequacy Purposes, Ratio	0.060	0.060
To Be Well capitalized Under Prompt Corrective Action Provisions, Amount	$ 406,744	$ 440,683
To Be Well capitalized Under Prompt Corrective Action Provisions, Ratio	0.080	0.080
Tier I leverage capital
Actual capital, Amount	$ 664,545	$ 658,136
Actual capital, Ratio	0.116	0.115
For Capital Adequacy Purposes, Amount	$ 229,692	$ 228,511
For Capital Adequacy Purposes, Ratio	0.040	0.040
To Be Well capitalized Under Prompt Corrective Action Provisions, Amount	$ 287,115	$ 285,638
To Be Well capitalized Under Prompt Corrective Action Provisions, Ratio	0.050	0.050
Common equity Tier I capital
Actual capital, Amount	$ 664,545	$ 658,136
Actual capital, Ratio	0.131	0.119
For Capital Adequacy Purposes, Amount	$ 228,794	$ 247,884
For Capital Adequacy Purposes, Ratio	0.045	0.045
To Be Well capitalized Under Prompt Corrective Action Provisions, Amount	$ 330,480	$ 358,055
To Be Well capitalized Under Prompt Corrective Action Provisions, Ratio	0.065	0.065

Summary of Unaudited Quarterl_3

Summary of Unaudited Quarterly Operating Results: Schedule of Quarterly Financial Information (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021
Summary of Unaudited Quarterly Operating Results
Interest income	$ 76,482	$ 75,272	$ 73,618	$ 71,463	$ 67,949	$ 59,657	$ 52,698	$ 46,673	$ 47,948	$ 49,640	$ 50,452	$ 50,633
Interest expense	31,335	28,534	25,480	18,271	13,330	6,759	3,867	3,407	3,723	4,717	5,768	6,544
Provision for credit losses on loans	750			1,500	1,000	2,000			(3,000)	(3,000)	(1,000)	300
Provision (credit) for unfunded commitments	(1,689)	(1,195)	(1,619)	(826)	(159)	1,315	2,223	(193)
Net realized gain (loss) on available-for-sale securities					(168)	31		7	1,277	643	(307)	(674)
Non-interest income	6,563	7,852	7,769	7,889	7,661	7,984	9,319	9,176	9,198	9,798	9,585	9,736
Non-interest expense	36,285	35,557	34,718	34,463	34,336	34,758	33,004	31,268	35,784	31,339	30,191	30,321
Provision for income taxes	3,219	4,349	4,488	5,488	4,499	4,676	4,699	4,380	4,081	5,375	5,271	5,010
Net income available to common shareholders	$ 13,145	$ 15,879	$ 18,320	$ 20,456	$ 22,604	$ 18,133	$ 18,224	$ 16,987	$ 15,281	$ 20,364	$ 20,114	$ 18,868
Earnings per common share - diluted	$ 1.11	$ 1.33	$ 1.52	$ 1.67	$ 1.84	$ 1.46	$ 1.44	$ 1.30	$ 1.14	$ 1.49	$ 1.46	$ 1.36

Condensed Parent Company Stat_3

Condensed Parent Company Statements - Statements of Financial Condition (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Statements of Financial Condition
Cash	$ 102,529	$ 105,262
Prepaid expenses and other assets	106,225	69,461
Total assets	5,812,402	5,680,702
Subordinated debentures issued to capital trust	74,579	74,281
Subordinated notes	74,579	74,281
Additional paid-in capital	44,320	42,445
Retained earnings	569,872	543,875
Accumulated other comprehensive income (loss)	(42,481)	(53,355)
Total liabilities and stockholders' equity	5,812,402	5,680,702
Parent Company
Statements of Financial Condition
Cash	47,048	29,097
Investment in subsidiary bank	629,096	608,416
Deferred and accrued income taxes	641	148
Prepaid expenses and other assets	877	882
Total assets	677,662	638,543
Accounts payable and accrued expenses	5,480	5,401
Subordinated debentures issued to capital trust	25,774	25,774
Subordinated notes	74,579	74,281
Common Stock	118	122
Additional paid-in capital	44,320	42,445
Retained earnings	569,872	543,875
Accumulated other comprehensive income (loss)	(42,481)	(53,355)
Total liabilities and stockholders' equity	$ 677,662	$ 638,543

Condensed Parent Company Stat_4

Condensed Parent Company Statements - Statements of Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Statements of Income
Interest expense	$ 103,620	$ 27,363	$ 20,752
Parent Company
Statements of Income
Dividends from subsidiary bank	65,000	60,000	74,000
Total income	65,000	60,000	74,000
Operating expenses	2,780	2,550	2,121
Interest expense	6,158	5,298	7,613
Total expense	8,938	7,848	9,734
Income before income tax and equity in undistributed earnings of subsidiaries	56,062	52,152	64,266
Credit for income taxes	(1,932)	(1,608)	(1,850)
Income before equity in earnings of subsidiaries	57,994	53,760	66,116
Equity in undistributed earnings of subsidiaries	9,806	22,188	8,511
Net income	$ 67,800	$ 75,948	$ 74,627

Condensed Parent Company Stat_5

Condensed Parent Company Statements - Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Statements of Cash Flows
Prepaid expenses and other assets	$ (4,543)	$ 2,141	$ 20,146
Net Cash Provided by (Used in) Operating Activities	80,700	84,846	93,742
Net cash provided by investing activities	(88,208)	(819,546)	181,947
Redemption of subordinated notes	0	0	(75,000)
Net cash provided by (used in) financing activities	50,321	185,953	(122,151)
Cash and Cash Equivalents, Beginning of Year	168,520	717,267	563,729
Cash and Cash Equivalents, End of Year	211,333	168,520	717,267
Parent Company
Statements of Cash Flows
Net income	67,800	75,948	74,627
Equity in undistributed earnings of subsidiary	(9,806)	(22,188)	(8,511)
Compensation expense for stock option grants	1,621	1,437	1,225
Amortization of interest rate derivative and deferred costs on subordinated notes	298	297	587
Prepaid expenses and other assets	(5)	14	(15)
Accounts payable and accrued expenses	250	69	(1,661)
Income taxes	493	54	(63)
Net Cash Provided by (Used in) Operating Activities	59,675	55,495	66,345
Purchases of the Company's common stock	(23,326)	(61,847)	(39,123)
Redemption of subordinated notes			(75,000)
Dividends paid	(19,282)	(19,181)	(18,800)
Stock options exercised	884	6,258	3,700
Net cash provided by (used in) financing activities	(41,724)	(74,770)	(129,223)
Increase (Decrease) in Cash	17,951	(19,275)	(62,878)
Cash and Cash Equivalents, Beginning of Year	29,097	48,372	111,250
Cash and Cash Equivalents, End of Year	47,048	29,097	48,372
Interest paid	$ 6,107	$ 5,115	$ 9,103

Condensed Parent Company Stat_6

Condensed Parent Company Statements - Statements of Comprehensive Income - (Details) - Parent Company - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Statements of Comprehensive Income
Net Income	$ 67,800	$ 75,948	$ 74,627
Comprehensive income (loss) of subsidiaries	10,874	(86,114)	(20,392)
Comprehensive Income	$ 78,674	$ (10,166)	$ 54,235

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	12 Months Ended
Pay vs Performance Disclosure - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Pay vs Performance Disclosure
Net Income (Loss)	$ 67,800	$ 75,948	$ 74,627

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Dec. 31, 2023
Trading Arrangements, by Individual
Material Terms of Trading Arrangement	During the three months ended December 31, 2023, no director or officer (as defined in Rule 16a-1(f) under the Exchange Act) of the Company adopted or terminated a “Rule 10b5-1 trading arrangement” or “non-Rule 10b5-1 trading arrangement,” as each term is defined in Item 408(a) of Regulation S-K.
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false