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
Unfavorable gap of $64.6M · efficiency ratio beats 61% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.42% | 0.91% | 1.22% | 1.52% | Beats 70% | 100 / 328 | |
| Return on Equity | 14.26% | 8.43% | 11.45% | 14.43% | Beats 73% | 87 / 328 | |
| Net Interest Margin | 3.97% | 3.03% | 3.45% | 3.83% | Beats 81% | 61 / 328 | |
| Efficiency Ratio | 56.49% | 51.61% | 59.56% | 67.53% | Beats 61% | 129 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.24% | 0.51% | 1.03% | Beats 52% | 154 / 322 | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.03% | 0.10% | Beats 36% | 206 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 9.79% | 11.75% | 13.15% | 15.47% | Beats 3% | 318 / 328 | |
| Total Risk-Based Capital Ratio | 9.79% | 12.63% | 14.15% | 16.46% | Beats 2% | 320 / 328 | |
| Equity / Assets | 9.95% | 9.15% | 10.33% | 12.01% | Beats 44% | 183 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 101.66% | 76.63% | 87.92% | 95.36% | 90th pctl | 31 / 323 | |
| Loans / Assets | 88.12% | 65.18% | 74.15% | 79.98% | 96th pctl | 13 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |