Great Southern Bancorp, Inc.

Good day and thank you for standing by. Welcome to the Great Southern Bancorp Third Quarter 2026 Earnings Call. At this time, all participants are in listen-only mode. After the speaker's presentation, there will be a question and answer session. To ask a question during the session, you will need to press star 1-1 on your telephone. You will then hear an automated message advising your hand is raised. To withdraw your question, please press star 11 again. Please revise that today's conference is being recorded. I would now like to hand the conference over to our first speaker today, Christina Maldonado. Please go ahead.

Thank you. Good afternoon and thank you for joining Great Southern Bancorp's third quarter 2026 earnings call. Today we'll be discussing the company's results for the quarter ended September 30th, 2026. Before we begin, I'd like to remind everyone that during this call, forward-looking statements may be made regarding the company's future events and financial performance. These statements are subject to various factors that could cause actual results to differ materially from those anticipated or projected. For a list of these factors, please refer to the forward-looking statements disclosure and the earnings release and other public filings. Joining me today are President and CEO, Joe Turner, and Chief Financial Officer, Rex Copeland. I'll now turn the call over to Joe.

Okay, thanks Christina, and good afternoon to everyone on the call. We appreciate you being with us today. Our third quarter results demonstrate the durability of our core banking franchise and the consistency of our operating model. During the quarter, we remain focused on our core disciplines, prioritizing prudent balance sheet management, maintaining strict credit standards, and controlling non-interest expense. In the third quarter of 2026, we reported net income of $14 million or $1.27 per common share. The results this quarter were impacted by a non-cash hedge accounting adjustment, which Rex will discuss further. Excluding this hedge accounting adjustment, our operating net income was $16.5 million or $1.50 per diluted common share. Net interest income in the third quarter remained solid at $50.3 million down slightly from the $50.8 million in the year-ago quarter. This comparison reflects the absence in 2026 of the approximately $2 million of quarterly interest income from a previously terminated swap that concluded in October of 2025. Despite this headwind, disciplined asset management and active pricing on deposits and earning assets allowed for the expansion of our margin to 3.75% from 3.72% in the third quarter of 2025. During the quarter, we also took advantage of higher market yields, adding approximately $400 million of fixed rate agency mortgage-backed securities and collateralized mortgage obligations. These purchases were funded primarily through variable rate FHLB borrowings, helping mitigate downside risk from potential future interest rate reductions. While the narrower spread on this balance sheet trade will modestly reduce our overall net interest margin percentage going forward, it is accretive to our net interest income. Net interest income generation remains an ongoing priority, but credit and pricing discipline will continue to govern our approach to growing long-term stockholder value. Turning to our loan portfolio, period-end balances continue to be heavily influenced by borrow repayments and refinancing activity. Elevated payoff activity in commercial real estate and multifamily loans led to a $59.3 million decline in net loans compared to June 30, 2026. Compared to December 31, 2025, net loan balances decreased $108.4 million to $4.25 billion. Despite these payoffs, our broader lending pipeline remains robust, with total commitments expanding to $1.2 billion at September 30, including $641 million of unfunded commitments related to closed construction loans. On the funding side, total deposits decreased $232.1 million during the quarter, primarily reflecting the intentional runoff of $211.8 million in broker deposits. Our core customer relationships remain strong with non-infra-sparing checking expanding by $29.3 million year-to-date. As loan balances have moderated, we intentionally allowed higher cost broker deposits to run off without replacement, utilizing lower cost FHLB borrowings instead, allowing for reduced interest expense and overall balance sheet flexibility. From a credit quality standpoint, our metrics remain excellent. Total non-performing assets at the end of the third quarter represented 0.18% of total assets, compared to 0.17% at June 30, and nonperforming loans were 0.03% of total loans. Net charge-offs were $397,000 for the quarter, and we did not record a provision for credit losses on our outstanding portfolio. The provision you saw in our income statement related to our unfunded commitments. Other real estate owned increased $20.4 million primarily reflecting the reclassification of $11.1 million in closed banking center properties held for sale following our branch consolidation rather than credit related foreclosures. For our foreclosed properties, independent appraisals continue to support our carrying values and we do not anticipate any aggregate loss upon their ultimate disposition. Similarly, we do not expect an aggregate loss on the disposition of are former banking centers facilities either at this time. Expense discipline remains a priority for our bank with non-interest expense decreasing to $36.3 million compared to the $38.2 million in the second quarter of 2026. The second quarter expense amount was more than normal due to the charge for the banking center closures. As of October 1, we completed the consolidation of the nine banking centers and the elimination 66 positions across various divisions in our company. As effective employees remain in their roles through the end of the third quarter, the associated cost savings will begin to be realized in the fourth quarter. Ultimately, we believe this will allow for better alignment with our customers' banking preferences along with our continued pursuit of operational efficiencies as technology and delivery channels evolve. As we move through the remainder of 2026, we remain focused on protecting asset quality, executing thoughtful operational improvements, and consistently building long-term value for our stockholders. The lending and funding environments remain competitive, but we are navigating this landscape from a position of strength. With that, I'll turn the call over to Rex for a more detailed discussion of the financials.