At a glance
From its website, read 2 Nov 2026Great Southern Bank is a bank or thrift based in Meridian, Mississippi. Its website describes auto loans, home repair loans, home mortgages and 2 other loan types.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | www.gsnb.com |
|---|---|
| Office (official list) | 218 22nd Avenue South, Meridian, MS 39301 |
What their website says about applying
Call a GSB banker or visit www.greatsouthern.bank/disclosures for more details.
sourceWe urge you to visit us regarding money needs relating to:
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Home mortgages | Term: see their wording | Great Southern offers conventional home financing for terms up to 30 years with fixed rates or several variable-rate options. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 28 Feb 2019 |
| RSSD ID | 101738 |
| Address | 218 22nd Avenue South, Meridian, MS 39301 Directions (Google Maps) |
| Website | www.gsnb.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. No service area, online application, or language information was found on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Great Southern Bank offers complete financing services on all types of automobiles and trucks, including both new and late models of used vehicles. | source |
| Home repair / improvement loans | — | our team can make any type of home or property improvement loan. | source |
| Home mortgages | $10,000 – $100,000 | With lines from $10,000 to $100,000, we are sure to have a HELOC for you. | source |
| Personal / consumer loans | — | Great Southern can make personal loans that are ideal for major purchases, paying taxes, financing medical bills, or seeing you and your family through an emergency. | source |
| Small-business loans | — | Great Southern Bank can design commercial loans to meet the specific needs of a business operation. | source |
Loan sizes
With lines from $10,000 to $100,000, we are sure to have a HELOC for you.
source
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.greatsouthern.bank/
- https://www.greatsouthern.bank/Personal-Services/personal-loans
- https://www.greatsouthern.bank/Business-Services/business-loans
- https://www.greatsouthern.bank/Business-Services/Business-Loans
- https://www.greatsouthern.bank/Personal-Services/Personal-Loans
- https://www.greatsouthern.bank/Personal-Services/personal-checking
- https://www.greatsouthern.bank/Business-Services/business-checking
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home repair loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your small-business loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$8.1 million in 8 awards from the U.S. Treasury's CDFI Fund, 2018–2024 (Bank Enterprise Award Program; CDFI Equitable Recovery Program; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2019 | Bank Enterprise Award Program | $245,547 |
| 2018 | Bank Enterprise Award Program | $14,700 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Great Southern Bank (FDIC cert 8552). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $355.1 million (as of 30 Jun 2026) |
|---|---|
| Offices | 10 (as of 30 Oct 2026) |
Offices by state and county (10)
Mississippi (10 offices)
- Clarke County (2): Highway 11 And State Street, Enterprise 39330; 105 S Archusa Ave, Quitman 39355
- Forrest County (1): 1300 Hardy St, Hattiesburg 39401
- Lamar County (1): 6232 U S Highway 98, Hattiesburg 39402
- Lauderdale County (4): 218 22nd Ave S, Meridian 39301 (main office); 1245 Bonita Lakes Cir, Meridian 39301; 2130 Highway 19 N, Meridian 39307; 2441 N Hills St, Meridian 39305
- Newton County (1): 15122 Highway 15, Decatur 39327
- Wayne County (1): 1010 Azalea Dr, Waynesboro 39367
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Great Southern Bank (RSSD 101738, FDIC cert 8552). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $143.7 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 3.8% from $138.4 million on 30 Jun 2025 |
| Total assets | $355.1 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $53.9 million | 37.5% |
| Home equity lines of credit | $6.3 million | 4.4% |
| Commercial real estate, construction and multifamily | $29.3 million | 20.4% |
| Commercial and industrial (business) loans | $17.7 million | 12.3% |
| Farmland and farm production loans | $9.6 million | 6.7% |
| Consumer loans (credit cards, auto, other) | $25.9 million | 18.0% |
| All other loans and leases | $912,000 | 0.6% |
Within consumer loans: auto loans $12.3 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 35 loans $1.5 million | 277 loans $5.9 million |
| $100,001 to $250,000 | 26 loans $3.1 million | 22 loans $2 million |
| $250,001 to $1 million | 20 loans $6.4 million | 12 loans $2.2 million |
| All small business loans | 81 loans $11.1 million | 311 loans $10.1 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 75 loans $3.3 million | 84 loans $1.5 million |
| $100,001 to $250,000 | 17 loans $1.8 million | none reported |
| $250,001 to $500,000 | 4 loans $1.1 million | 1 loan $461,000 |
| All small farm loans | 96 loans $6.1 million | 85 loans $1.9 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Great Southern Bank reported 93 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $11.5M (median loan about $85,000). 40 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 40 | 43% |
| Refinance (incl. cash-out) | 41 | 44% |
| Home improvement | 6 | 6.5% |
| Other purpose | 6 | 6.5% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 93 | 100% |
Included above: 11 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 16 counties with at least one; 97% of its 2025 loans were for properties in Mississippi:
- Lauderdale County, MS (25)
- Clarke County, MS (20)
- Newton County, MS (19)
- Forrest County, MS (7)
- Wayne County, MS (5)
- Jasper County, MS (3)
Filed under LEI 549300KJAE0JN2Z6YV76 as “GREAT SOUTHERN BANK”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $355.1 million | Larger than 40% of the 82 other certified banks and bank holding companies in Mississippi (median $427 million). |
| Loans as a share of assets | 40% | Median of the same 82 banks and bank holding companies: 62%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $138.4 million → $143.7 million (+4%) | Median change of 82 other certified banks and bank holding companies in Mississippi: +9%. Rank by loans held among these 83: 67 → 70. |
| Home loans originated in 2025 (HMDA) | 93 | More than 42% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Mississippi | 82 | larger than 40% |
| Loans held then vs now | certified banks and bank holding companies in Mississippi reporting both dates | 82 | rank 67 → 70 of 83 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 42% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 1 SBA-backed approval for Great Southern Bank in fiscal years 2020–2026 (October 2019 to September 2026):
- 1 504 projects as the third-party (first-lien) lender
By fiscal year: FY2020 0 · FY2021 1 · FY2022 0 · FY2023 0 · FY2024 0 · FY2025 0 · FY2026 0.
By program
- 504 projects (as the third-party lender) (1, 100%)
How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “Great Southern Bank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Great Southern Bank may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Meridian and Mississippi
- 1st Mississippi Federal Credit UnionCredit union · Meridian, MSOfficial list only
- Citizens National Banc Corp.Bank holding company · Meridian, MSAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Home mortgages…Verified
- Citizens National Bank of MeridianBank or thrift · Meridian, MSAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Home mortgages…Verified
- Great Southern Capital CorporationBank holding company · Meridian, MSOfficial list only
Work at Great Southern Bank? Link to this page
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