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Oakstar Bank

Springfield, MO · Cert 58115 · Oakstar Bancshares Inc.

State charter, Fed member · FED · 24 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

16

Q2 2024Q2 2026peer median (50)

Asset Quality

44

Q2 2024Q2 2026peer median (50)

Profitability

75

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

61

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Oakstar Bank

Springfield, MO · Cert 58115 · Oakstar Bancshares Inc.

State charter, Fed member · FED · 24 branches

Q2 2026

$3.3BAssets
$2.9BLoans
$2.8BDeposits
$327.1MEquity
Loan mix
86%RE $2.2B12%C&I $0.3B2%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $2.5B13%Noninterest $0.4BQ2 2025Q2 2026

NIM

5.83%Q2 ’246.03%Q2 ’256.10%Q2 ’26+18%+11%

Non-interest income vs. expense

2.73%Q2 ’242.54%Q2 ’252.50%Q2 ’26-9%+4%

Market Position · Springfield, MO · 2026 SOD (annual) · 7.7% share · #5 of 41 inst. · $1.4B of $17.8B

6.5% Greene
12.6% Camden
1.1% Johnson
24.6% Polk

Executive Summary

  • Earnings: ROA of 1.48%, up 44 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.48% of loans (-15 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 9.79%, up 9 bps from a year ago.
  • Funding: loans stand at 101.66% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.48%+44 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+39 bps YoY

Efficiency Ratio (YTD, annualized)

56.14%-446 bps YoY

Tier 1 Leverage Ratio

9.79%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.11%1.18%1.47%1.48%+44 bps
Return on Equity10.29%10.93%11.57%14.37%14.62%+433 bps
Net Interest Margin3.57%3.59%3.62%3.96%3.97%+39 bps
Efficiency Ratio60.61%59.48%59.24%56.46%56.14%-446 bps
Non-Interest Burden1.93%1.92%1.94%2.03%2.02%+8 bps
Growth
Asset Growth (YoY)9.31%5.14%7.45%8.87%10.45%+114 bps
Loan Growth (YoY)9.88%6.88%8.14%10.09%10.42%+54 bps
Deposit Growth (YoY)10.63%5.21%6.85%7.34%7.46%-317 bps
Asset Quality
Nonperforming Loans / Loans0.63%0.60%0.44%0.42%0.48%-15 bps
Net Charge-Offs / Loans0.15%0.17%0.19%0.10%0.08%-7 bps
Allowance / Loans1.26%1.28%1.24%1.22%1.18%-8 bps
Allowance Coverage of NPLs2.0x2.1x2.8x2.9x2.5x+0.4x
Capital
Tier 1 Leverage Ratio9.70%9.78%9.77%9.76%9.79%+9 bps
Total Risk-Based Capital9.70%9.78%9.77%9.76%9.79%+9 bps
Equity / Assets10.02%10.39%10.35%10.06%9.95%-7 bps
Liquidity & Funding
Loans / Deposits98.94%100.54%101.03%101.87%101.66%+272 bps
Liquid Assets / Assets2.56%1.29%1.01%1.33%2.69%+14 bps
CRE / Total Capitaln/a440%452%477%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Oakstar Bank

Springfield, MO · Cert 58115 · Peer group: banks $1B-$10B in assets (n=322-328) · Oakstar Bancshares Inc.

State charter, Fed member · FED · 24 branches

Q2 2026

$3.3BAssets
$2.9BLoans
$2.8BDeposits
$327.1MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 81% of banks $1B-$10B in assets (rank 61 of 328).
  • Widest gap: total risk-based capital ratio trails 98% of banks $1B-$10B in assets (rank 320 of 328).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.42%

Rank 100 of 328

Net Interest Margin

3.97%

Rank 61 of 328

Efficiency Ratio

56.49%

Rank 129 of 328

Equity / Assets

9.95%

Rank 183 of 328

Non-interest income vs. expense

$15.4M$80.0MINCOMEEXPENSE
Unfavorable gap of $64.6M · efficiency ratio beats 61% of banks $1B-$10B in assets
Bank 56.49%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.42%0.91%1.22%1.52%Beats 70%100 / 328
Return on Equity14.26%8.43%11.45%14.43%Beats 73%87 / 328
Net Interest Margin3.97%3.03%3.45%3.83%Beats 81%61 / 328
Efficiency Ratio56.49%51.61%59.56%67.53%Beats 61%129 / 328
Asset Quality
Nonperforming Loans / Loans0.48%0.24%0.51%1.03%Beats 52%154 / 322
Net Charge-Offs / Loans0.06%0.01%0.03%0.10%Beats 36%206 / 322
Capital
Tier 1 Capital Ratio9.79%11.75%13.15%15.47%Beats 3%318 / 328
Total Risk-Based Capital Ratio9.79%12.63%14.15%16.46%Beats 2%320 / 328
Equity / Assets9.95%9.15%10.33%12.01%Beats 44%183 / 328
Liquidity & Funding
Loans / Deposits101.66%76.63%87.92%95.36%90th pctl31 / 323
Loans / Assets88.12%65.18%74.15%79.98%96th pctl13 / 328
Brokered Deposits / Depositsn/aNot reported for this institution