Great Southern Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Great Southern Bank (FDIC Cert #8552) registers 86/100 on DLRadar's scale — a severe reading. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Rather than a standalone rating, the severe score is tied to real markets — every one of the 42 ZIP codes Great Southern Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. DLRadar maps Great Southern Bank into 6 counties (42 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in Mississippi (6 counties). Because Great Southern Bank is held under Great Southern Capital Corp, its financials are open to scrutiny and its trend can be independently checked. Great Southern Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Its lending reaches counties such as Lauderdale County, MS, Newton County, MS, Clarke County, MS, Forrest County, MS, each tied back to DLRadar's distress signals. Read against its 6-county reach, a severe score sets the credit tone for every market on its map. The Great Southern Bank score updates as fresh FDIC call reports post each quarter, so its 86/100 reading and 6-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Great Southern Bank is directly comparable to any lender in the country.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Great Southern Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.