OakStar Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks OakStar Bank of Springfield, MO against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.50% | 1.34% | +0.16% | 65th above |
| ROAE | 14.96% | 12.34% | +2.62% | 69th above |
| Net Interest Margin | 4.30% | 3.83% | +0.47% | 82nd top |
| Efficiency Ratio | 55.85% | 58.97% | -3.12% | 58th above |
| PPNR / Avg Assets | 2.02% | — | — | 68th above |
| Yield on Earning Assets | 6.64% | 5.71% | +0.93% | 91st top |
| Cost of Funds | 2.51% | 2.02% | +0.49% | 20th bottom |
| Net Interest Spread | 3.77% | — | — | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.48% | 0.87% | -0.39% | 53rd above |
| NPA / Total Assets | 0.42% | — | — | 49th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.43% | -0.36% | 34th below |
| ACL / Total Loans | 1.18% | — | — | 55th above |
| ACL / NPLs (Coverage) | 245.21% | — | — | 57th above |
| Texas Ratio | 3.32% | 5.48% | -2.16% | 53rd above |
| Provision / NCO | 194.90% | — | — | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.79% | 11.11% | -1.32% | 31st below |
| Equity / Assets | 9.95% | 11.02% | -1.07% | 42nd below |
| TCE / Tangible Assets | 9.41% | — | — | 42nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.66% | 86.99% | +14.67% | 13th bottom |
| Core Deposit Ratio | 82.68% | 85.57% | -2.89% | 28th below |
| Uninsured Deposit Ratio | 18.52% | 33.19% | -14.67% | 86th top |
| Wholesale Funding Ratio | 2.13% | — | — | 68th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.45% | — | — | 76th top |
| Loan Growth (Y/Y) | 10.42% | — | — | 73rd above |
| Deposit Growth (Y/Y) | 7.46% | — | — | 63rd above |
See OakStar Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock OakStar Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full OakStar Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the OakStar Bank peer analysis.