MASHINIi

Great Southern Bancorp, Inc..

GSBC.US | Other monetary intermediation

Great Southern Bancorp, Inc. operates as the holding company for Great Southern Bank, providing a range of financial services. The bank offers deposit accounts, including checking, savings, and money market accounts, as well as certificates of deposit. It provides real estate loans, commercial loans...Show More

Ethical Profile

Mixed.

Great Southern Bancorp (GSBC.US) presents a mixed ethical profile. The bank targets net-zero by 2040 and 100% renewable energy for offices by 2030, achieving carbon-neutral operations in FY22. However, critics point to a high ESG risk rating of 34.1. Its responsible investment policy, while excluding direct fossil fuel investments, allegedly doesn't apply to customer lending, contributing to 304,134 tCO₂e in total emissions in FY23. Regarding worker respect, reports suggest a CEO-to-median employee pay ratio of 40:1 to 47:1. Employee reviews indicate mixed sentiment, with some concerns about low pay and senior management. Other areas like fair money, ethical sourcing, and honest business lack sufficient public data for a comprehensive assessment.

Value Scores

Better Health for All-10
-100100
Fair Money & Economic Opportunity0
-100100
Fair Pay & Worker Respect10
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business0
-100100
Kind to Animals0
-100100
No War, No Weapons0
-100100
Planet-Friendly Business-50
-100100
Respect for Cultures & Communities0
-100100
Safe & Smart Tech-30
-100100
Zero Waste & Sustainable Products0
-100100

Better Health for All

-10

Great Southern Bancorp's core business of financial services has a neutral direct impact on health outcomes. The company offers Health Savings Accounts (HSAs) which are health-positive, but these are not its principal goods or services.

1
The company has supported over 7,000 customers in buying a home through the Home Guarantee Scheme as of June 2023 and has a dedicated Specialist Support team that has assisted more than 370 customers experiencing vulnerability through CareRing since March 2021.
2
However, the company's employee resource groups for diversity and inclusion, and its gender equality program, are internal initiatives and do not directly address health disparities in the broader community.
3
Similarly, financial benefits and a hardship fund for team members are internal employee support, not external healthcare workforce support.
4
The bank's financial education materials and tips for seniors on safeguarding money are general financial literacy, not specific healthcare education.
5
While the bank aims to prevent predatory lenders, this is a financial service, not direct addiction mitigation.
6
The company's operations do not directly intersect with healthcare workforce development, preventative health, or mental health outcomes, beyond offering HSAs and general financial stability which can indirectly reduce stress.

Fair Money & Economic Opportunity

0

No evidence available to assess Great Southern Bancorp, Inc. on Fair Money & Economic Opportunity.

Fair Pay & Worker Respect

10

For the 2024 fiscal year, Great Southern Bancorp, Inc. reported a CEO-to-median employee pay ratio of 40:1, with CEO Joseph W. Turner's total compensation at $1,563,373 and median employee compensation at $38,622.

1
Another source indicated a CEO-to-median employee pay ratio of 47:1 with median employee pay at $38,061.
2
Employee reviews on Glassdoor rated compensation and benefits at 3.5 out of 5 stars, with common complaints about low pay and insufficient annual raises.
3
No specific regulatory actions, violations, fines, or compliance issues related to labor laws or human rights have been mentioned in the past three years across the provided articles.

Fair Trade & Ethical Sourcing

0

The company, Great Southern Bancorp, Inc., operates as a financial services institution and does not procure or trade physical commodities.

1
Therefore, the KPI related to the share of spend on high-risk materials is not applicable to its business model. No specific, quantitative evidence was found across the provided articles for any other KPIs related to Fair Trade & Ethical Sourcing, such as fair-trade certification percentages, audit frequencies, forced or child labor incidents, supply chain traceability coverage, remediation speeds, ethical clause coverage in contracts, or supplier diversity spend percentages.
2
While a Supplier Code of Conduct exists, it outlines expectations rather than providing performance metrics or coverage percentages.
3

Honest & Fair Business

0

No evidence available to assess Great Southern Bancorp, Inc. on Honest & Fair Business.

Kind to Animals

0

Great Southern Bancorp, Inc. (GSBC.US) is a financial services company, and its core business model does not involve activities such as product manufacturing, animal testing, animal husbandry, or sourcing animal-derived ingredients.

1
explicitly states that GSBC.US has "No Animal Testing" and "No Fur and Specialty Leather."
2
This indicates that the company does not engage in animal testing or use animal-derived materials like fur and specialty leather. Therefore, KPIs related to animal testing methods, animal testing policy, animal testing volume, and ethical input substitution are scored as N/A, as these activities are not applicable to the company's operations.

No War, No Weapons

0

No information or specific data points related to the 'No War, No Weapons' ethical value for Great Southern Bancorp, Inc. (GSBC.US) were found in the provided articles. The articles either explicitly state a lack of reporting on responsibility or focus solely on financial metrics and banking services, without addressing any of the KPIs relevant to arms, defense, or conflict-related activities.

Planet-Friendly Business

-50

In FY23, the company's total Scope 1, 2, and 3 greenhouse gas emissions, including financed emissions, were 304,134 tCO₂e, representing a 21.3% decline from FY22.

1
Near-term science-based targets for operational and financed emissions have been validated by SBTi, while net-zero targets are in the process of validation.
2
The company has a net-zero target year of 2040.
3
It maintains carbon neutral certification for its business operations under the Climate Active Carbon Neutral Standard, using offsets to achieve this, though the specific quality of these offsets is not detailed.
4
The company discloses climate-related risks and opportunities using internationally recognized frameworks, reporting against the Task Force on Climate-related Financial Disclosures (TCFD) framework.
5
It has stress-tested its mortgage portfolio for physical climate risks, identifying river flooding as the most material risk.
6
No environmental compliance violations were mentioned in the provided articles.

Respect for Cultures & Communities

0

No evidence available to assess Great Southern Bancorp, Inc. on Respect for Cultures & Communities.

Safe & Smart Tech

-30

Great Southern Bank's privacy policy indicates limited user control over sharing with affiliates for creditworthiness and marketing purposes.

1
The company states compliance with federal law and specifically mentions adherence to COPPA for children's data.
2

Zero Waste & Sustainable Products

0

No specific, concrete data points were found in the provided articles for Great Southern Bancorp, Inc. (GSBC.US) regarding any of the KPIs related to Zero Waste & Sustainable Products.

1
Several articles explicitly state that the information pertains to Great Southern Bank (Australia) or Guaranty Bank, and not to GSBC.US, or that no relevant data for GSBC.US was available for these metrics.

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AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.