OakStar Bank
BankRegReports is independent of OakStar Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
OakStar Bank is an FDIC-insured commercial bank headquartered in Springfield, MO, established in 2005 (FDIC certificate 58115), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $3.29B, up 10.5% from Q2 2025, the 12th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.79% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 58115
- Headquarters
- Springfield, MO
- Established
- 2005
- Total assets, Q2 2026
- $3.29B
- Assets vs Q2 2025
- +10.5%
- Tier 1 leverage ratio, Q2 2026
- 9.79%
- Domestic offices
- 27 FDIC institution directory, current count
- Routing number
- 086519159
- Latest call report
- Q2 2026, FFIEC 051 · OakStar Bank call report
- Holding company
- OAKSTAR BANCSHARES, INC.
- Asset rank in state
- 12th of 191 in Missouri
OakStar Bank, based in Springfield, Missouri, reported $3.3 billion in assets at June 30, 2026, up 10.5% from a year earlier. It holds about a fifth of its deposits (19%) above the FDIC insurance limit, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). It also keeps 4.30 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.71 cents).
Earnings jumped: net income for the quarter was $12 million, 76% above the same quarter a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.9 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, OakStar Bank reported a return on assets of 1.50%, a nonperforming-loan ratio of 0.48% and a Texas ratio of 3.32%. The figures come from its call report filed with the FFIEC.
OakStar Bank ranks as the 12th largest of the 191 banks based in Missouri, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 4.9% to $3.29B, loans rose 3.6% and deposits rose 3.8%. 1-4 family residential loans made up 18.4% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 16.7%. The FDIC Summary of Deposits lists 24 offices for it, in 22 cities across 3 states; its Springfield 2 offices book 32% of its branch deposits. By the capital ratios in its Q2 2026 call report, OakStar Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1020 E Battlefield St, Springfield, MO 65807
- County
- Greene
- Metro Area
- Springfield, MO
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 24, 2005
- Domestic offices
- 27 FDIC institution directory, current count
- Employees (FTE)
- 428
- Domestic deposits
- $2.85B
- Allowance for credit losses
- $34.3M
- Net charge-offs (YTD)
- $1.2M
- Average total assets
- $3.20B
- Average total loans
- $2.64B
- Average interest-bearing deposits
- $2.41B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 24, 2005
- FDIC Cert
- 58115
- Fed RSSD
- 3374412
- SEC CIK
- 1452342 → filed by OAKSTAR BANCSHARES, INC.
- Website
- www.oakstarbank.com →
- Parent Holding Company
- OAKSTAR BANCSHARES, INC. (RSSD 3376452)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, OakStar Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, OakStar Bank's total assets ranged from $2.22B (Q3 2023) to $3.29B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.29B total assets against $2.98B; $2.96B total liabilities against $2.68B.
$2.86B net loans and leases against $2.59B; $2.85B total deposits against $2.65B.
$102.1M securities against $96.8M; $99.5M cash and balances due against $91.7M.
$50.6M total interest income against $45.3M; $17.8M total interest expense against $18.4M.
$32.8M net interest income against $27.0M.
$4.0M total noninterest income against $3.9M; $20.6M total noninterest expense against $18.6M.
$955K provision for credit losses against $3.5M.
$12.0M net income against $6.8M.
1.50% return on assets against 0.93%; 4.30% net interest margin against 3.67%.
9.79% tier 1 leverage ratio against 9.70%.
Inside the full OakStar Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
OakStar Bank rankings
Its closest position to the top of a national ranking is 383 of 4,196, for total assets; its furthest is 842 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.85% (Q3 2024) to 1.50% (Q2 2026) and its net interest margin ran from 3.27% (Q3 2024) to 4.30% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.79% | 1.50% | 0.48% | 3.32% | 4.30% |
| Q1 2026 | 9.76% | 1.47% | 0.42% | 3.15% | 4.15% |
| Q4 2025 | 9.77% | 1.36% | 0.44% | 3.14% | 3.90% |
| Q3 2025 | 9.78% | 1.23% | 0.60% | 3.63% | 3.70% |
| Q2 2025 | 9.70% | 0.93% | 0.63% | 3.96% | 3.67% |
| Q1 2025 | 9.64% | 1.14% | 0.56% | 3.36% | 3.49% |
| Q4 2024 | 9.60% | 0.93% | 0.50% | 2.16% | 3.57% |
| Q3 2024 | 9.55% | 0.85% | 0.67% | 2.84% | 3.27% |
Swipe the table sideways to see every column.
Branch Network
View all 24 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| OakStar Bank (main office) | Springfield , MO | 65807 | $837.9M |
| Macks Creek Branch | Macks Creek , MO | 65786 | $199.4M |
| Bolivar Branch | Bolivar , MO | 65613 | $192.5M |
| Camdenton Main | Camdenton , MO | 65020 | $178.2M |
| Overland Park Branch | Overland Park , KS | 66223 | $162.7M |
| Hermitage Branch | Hermitage , MO | 65668 | $161.8M |
| Parkway Center | Shawnee , KS | 66203 | $131.0M |
| Ottawa Branch | Ottawa , KS | 66067 | $126.8M |
| Nixa Branch | Nixa , MO | 65714 | $111.5M |
| Clinton Branch | Clinton , MO | 64735 | $110.5M |
| Joplin Branch | Joplin , MO | 64804 | $85.6M |
| Urbana Branch | Urbana , MO | 65767 | $83.7M |
| East Sunshine Branch | Springfield , MO | 65809 | $73.0M |
| Kansas Avenue Branch | Kansas City , KS | 66105 | $64.6M |
| Paonia Branch | Paonia , CO | 81428 | $52.1M |
| Buffalo Branch | Buffalo , MO | 65622 | $50.5M |
| Grand Junction Branch | Grand Junction , CO | 81501 | $41.0M |
| Lake Ozark Branch | Lake Ozark , MO | 65049 | $40.4M |
| Osage Beach Branch | Osage Beach , MO | 65065 | $33.3M |
| Sunrise Beach Facility | Sunrise Beach , MO | 65079 | $32.3M |
| First Colorado National Bank | Delta , CO | 81416 | $29.4M |
| Mountain Grove Branch | Mountain Grove , MO | 65711 | $21.3M |
| First State Bank Colorado Springs West Branch | Colorado Springs , CO | 80904 | $16.9M |
| Bolivar Springfield Ave Branch | Bolivar , MO | 65613 | $13.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2024 | Structure Change | Acquired Community First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2018 | Structure Change | Acquired First National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2016 | Structure Change | Acquired The Bank of Urbana Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action March 27, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.8% of deposits in MO, rank 20 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,153 applications, 974 loans originated, $280.7M originated, across 17 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 133 loans, $85.2M approved, $640K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows OakStar Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about OakStar Bank
What are OakStar Bank's total assets?
As of the Q2 2026 filing, OakStar Bank reported total assets of $3.29 billion in its FFIEC call report.
Where is OakStar Bank headquartered?
It is headquartered in Springfield, MO, United States.
When was OakStar Bank founded?
It was established in 2005, per the FDIC institution directory.
Is OakStar Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58115). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates OakStar Bank?
OakStar Bank's primary federal regulator is the Federal Reserve.
How many branches does OakStar Bank operate?
It operates 27 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is OakStar Bank's Texas Ratio?
Its Texas Ratio is 3.32% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on OakStar Bank.
Get an email when OakStar Bank files its next call report, and benchmark it against any peer you choose.
Unlock OakStar Bank, freeFree account