OakStar Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 42.13 percentage points in Q2 2026, from 287.34% to 245.21%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, OakStar Bank is 89th of 191 on return on assets, 1.50% as of Q2 2026. The median for banks in the $1B-10B asset tier is 1.27% on return on assets. OakStar Bank sits 0.23 points higher, at 1.50% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.79% |
| Equity capital to assets | 9.95% |
| Tangible equity to tangible assets | 9.41% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.48% |
| Non-performing assets ratio | 0.42% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 3.32% |
| Allowance for credit losses to loans | 1.18% |
| Reserve coverage of non-performing loans | 245.21% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.50% |
| Return on equity | 14.96% |
| Net interest margin | 4.30% |
| Efficiency ratio | 55.85% |
| Yield on earning assets | 6.64% |
| Cost of funds | 2.51% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.66% |
| Core deposits to total deposits | 82.68% |
| Brokered deposits to total deposits | 7.77% |
| Deposits to assets | 86.68% |
| Securities to assets | 3.11% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.21% | 0.63% | 2.94% | 0.54% | 0.06% |
| Q4 2023 | 9.19% | 0.40% | 2.97% | 0.62% | 0.16% |
| Q1 2024 | 9.06% | 0.48% | 3.00% | 0.53% | 0.30% |
| Q2 2024 | 9.03% | 0.83% | 3.68% | 0.65% | 0.11% |
| Q3 2024 | 9.55% | 0.85% | 3.27% | 0.67% | 0.19% |
| Q4 2024 | 9.60% | 0.93% | 3.57% | 0.50% | 0.24% |
| Q1 2025 | 9.64% | 1.14% | 3.49% | 0.56% | 0.16% |
| Q2 2025 | 9.70% | 0.93% | 3.67% | 0.63% | 0.15% |
| Q3 2025 | 9.78% | 1.23% | 3.70% | 0.60% | 0.22% |
| Q4 2025 | 9.77% | 1.36% | 3.90% | 0.44% | 0.26% |
| Q1 2026 | 9.76% | 1.47% | 4.15% | 0.42% | 0.11% |
| Q2 2026 | 9.79% | 1.50% | 4.30% | 0.48% | 0.07% |
OakStar Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock OakStar Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full OakStar Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58115) · FFIEC NIC profile (RSSD 3374412)