Springfield, MO · Cert 58115 · Oakstar Bancshares Inc.
State charter, Fed member · FED · 24 branches
Q2 2026
Market Position · Springfield, MO · 2026 SOD (annual) · 7.7% share · #5 of 41 inst. · $1.4B of $17.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.80% | 1.15% | 1.04% | 1.11% | 1.18% | 1.47% | 1.48% | +44 bps | |
| Return on Equity | 7.88% | 8.32% | 11.36% | 10.29% | 10.93% | 11.57% | 14.37% | 14.62% | +433 bps | |
| Net Interest Margin | 3.12% | 3.20% | 3.46% | 3.57% | 3.59% | 3.62% | 3.96% | 3.97% | +39 bps | |
| Efficiency Ratio | 71.20% | 69.41% | 61.53% | 60.61% | 59.48% | 59.24% | 56.46% | 56.14% | -446 bps | |
| Non-Interest Burden | 2.04% | 2.03% | 1.88% | 1.93% | 1.92% | 1.94% | 2.03% | 2.02% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.31% | 23.45% | 21.70% | 9.31% | 5.14% | 7.45% | 8.87% | 10.45% | +114 bps | |
| Loan Growth (YoY) | 33.82% | 29.79% | 28.69% | 9.88% | 6.88% | 8.14% | 10.09% | 10.42% | +54 bps | |
| Deposit Growth (YoY) | 29.02% | 26.56% | 22.45% | 10.63% | 5.21% | 6.85% | 7.34% | 7.46% | -317 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.67% | 0.50% | 0.56% | 0.63% | 0.60% | 0.44% | 0.42% | 0.48% | -15 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.19% | 0.16% | 0.15% | 0.17% | 0.19% | 0.10% | 0.08% | -7 bps | |
| Allowance / Loans | 1.20% | 1.25% | 1.23% | 1.26% | 1.28% | 1.24% | 1.22% | 1.18% | -8 bps | |
| Allowance Coverage of NPLs | 1.8x | 2.5x | 2.2x | 2.0x | 2.1x | 2.8x | 2.9x | 2.5x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.55% | 9.60% | 9.64% | 9.70% | 9.78% | 9.77% | 9.76% | 9.79% | +9 bps | |
| Total Risk-Based Capital | 9.55% | 9.60% | 9.64% | 9.70% | 9.78% | 9.77% | 9.76% | 9.79% | +9 bps | |
| Equity / Assets | 9.89% | 10.06% | 10.11% | 10.02% | 10.39% | 10.35% | 10.06% | 9.95% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.97% | 99.83% | 99.33% | 98.94% | 100.54% | 101.03% | 101.87% | 101.66% | +272 bps | |
| Liquid Assets / Assets | 2.89% | 1.88% | 2.34% | 2.56% | 1.29% | 1.01% | 1.33% | 2.69% | +14 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 440% | 452% | 477% | n/a | n/a | |