Oakstar Bank
Oakstar Bank reported total assets of $3.3 bn at Q2 2026, up 10.5% on a year earlier, the 385th largest of 497 banks in our US coverage. Oakstar Bank uses the community bank leverage ratio framework, with a leverage ratio of 9.79%, and the uninsured share of Oakstar Bank was 18.52%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), Oakstar Bank climbed from 280th to 140th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Since , Oakstar Bank has taken over 4 institutions; the latest was First Colorado National Bank on (FDIC Call Reports).
What sets Oakstar Bank apart
How large is Oakstar Bank?
The balance sheet of Oakstar Bank at : assets $3.3 bn, deposits $2.8 bn, net loans $2.9 bn (loans equal to 100.46% of deposits). Securities make up 3.1% of total assets at Oakstar Bank. Since , when Oakstar Bank held $411.6 mn, its assets grew 698.8%. In the year to , deposits at Oakstar Bank rose 7.5% while its total assets rose 10.5%. At , Oakstar Bank employed 428 full-time equivalent staff across 27 offices, about $7.7 mn of assets per employee and $105.5 mn of deposits per office.
How much funding at Oakstar Bank is uninsured?
At Oakstar Bank, uninsured deposits (above the FDIC limit) made up 18.52% of domestic deposits at (-11.08 pp on a year earlier); Oakstar Bank ranks 422nd of 500 on this measure. In dollars, Oakstar Bank estimated $527.8 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.8 bn | +7.5% | 375th of 499 |
| Net loans and leases | $2.9 bn | +10.5% | 326th of 500 |
| Loan-to-deposit ratio | 100.46% | +2.77 pp | 54th of 500 |
| Net interest margin | 4.32% | +0.47 pp | 83rd of 500 |
| Return on assets (ROA) | 1.48% | +0.44 pp | 159th of 500 |
| Efficiency ratio | 56.14% | -4.46 pp | 258th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $5.7 mn | Narrowed by $1.3 mn | |
| Noncurrent loans to total loans | 0.48% | -0.15 pp | 188th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.08% | -0.07 pp | 245th of 500 (1 = lowest) |
US rank of Oakstar Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Oakstar Bank: assets, deposits and loans
- Total assets $3.3bn
- Deposits $2.8bn
- Net loans $2.9bn
Capital and securities
Oakstar Bank uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 9.79% in . Equity capital of Oakstar Bank at : $327.1 mn, or 9.9% of total assets.
The available-for-sale portfolio of Oakstar Bank showed an unrealized loss of $5.7 mn at ; the loss narrowed by $1.3 mn over the year.
Oakstar Bank: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 9.8%
Oakstar Bank: unrealized securities gains and losses
- Available for sale -$6mn
- Held to maturity $0
Profitability and loan quality
For the year to , Oakstar Bank earned a return on equity of 14.62%; return on assets: 1.48%. Net interest margin at Oakstar Bank: 4.32%, +0.47 pp in a year. Oakstar Bank net income: $23.3 mn, up 55.6% year on year. The efficiency ratio of Oakstar Bank was 56.14%: about 56 cents cost per revenue dollar, against 58 cents at the median peer.
At , noncurrent loans were 0.48% of total loans at Oakstar Bank; net charge-offs: 0.08% of average loans. Gross loans and leases at Oakstar Bank: $2.9 bn, up 10.4% in a year.
Oakstar Bank: profitability
- Return on equity 15%
- Net interest margin 4.3%
- Return on assets 1.5%
Peer group of Oakstar Bank
The peer group of Oakstar Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Oakstar Bank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Missouri. Against them, Oakstar Bank shows return on equity 14.62% against a peer median of 12.85% and uninsured deposit share 18.52% against a peer median of 30.73%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| ACNB Bank | State nonmember bank | PA | $3.3 bn | 14.30% | 14.53% | 22.40% | |
| Union Savings Bank | State-chartered stock savings bank | CT | $3.3 bn | not reported | 8.38% | 22.67% | |
| Fidelity Bank | National bank | KS | $3.3 bn | 10.97% | 11.90% | 38.79% | |
| Oakstar Bank | State member bank | MO | $3.3 bn | not reported | 14.62% | 18.52% | |
| Lone Star National Bank | National bank | TX | $3.3 bn | 20.01% | 12.92% | 58.85% | |
| WestStar Bank | State member bank | TX | $3.3 bn | 13.13% | 19.53% | 61.03% | |
| Stearns Bank | National bank | MN | $3.3 bn | 15.39% | 12.78% | 15.89% | |
. FDIC Call Reports.
Last eight quarters
Two years at Oakstar Bank, to : assets +16.4%, deposits +13.9%, equity +17.0%. Staff 383 to 428.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.8 bn | $2.8 bn | $2.9 bn | $3.0 bn | $3.0 bn | $3.0 bn | $3.1 bn | $3.3 bn |
| Total deposits | $2.5 bn | $2.5 bn | $2.6 bn | $2.7 bn | $2.6 bn | $2.7 bn | $2.7 bn | $2.8 bn |
| Bank equity capital | $279.5 mn | $284.5 mn | $291.2 mn | $298.2 mn | $308.5 mn | $314.5 mn | $315.3 mn | $327.1 mn |
| Return on equity (ROE) | 7.10% | 7.66% | 11.36% | 10.29% | 10.93% | 11.57% | 14.37% | 14.62% |
| Uninsured share of domestic deposits | 27.42% | 28.67% | 28.17% | 29.60% | 30.95% | 33.94% | 20.50% | 18.52% |
| Full-time equivalent employees | 383 | 407 | 414 | 399 | 399 | 423 | 396 | 428 |
| Number of offices | 27 | 27 | 27 | 26 | 26 | 26 | 26 | 27 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Oakstar Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed The Bank of Urbana (FDIC certificate 10606).
- . Absorbed First National Bank (FDIC certificate 4546).
- . Absorbed Community First Bank (FDIC certificate 12426).
- . Absorbed First Colorado National Bank (FDIC certificate 3047).
Large one-quarter moves at Oakstar Bank
- Total assets at Oakstar Bank changed by +36.5% in the quarter to 2016-12-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from The Bank of Urbana.
Questions and identifiers
What were the total assets of Oakstar Bank?
Oakstar Bank reported $3.3 bn at in its Call Report. That makes Oakstar Bank the 385th largest of 497 banks in our US coverage.
Is Oakstar Bank the same as its holding company?
No. This page covers Oakstar Bank, FDIC certificate 58115; OAKSTAR BANCSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Oakstar Bank profitable?
Oakstar Bank reported net income of $23.3 mn for the year to ; annualized return on equity: 14.62%. So yes: Oakstar Bank made a profit over these months.
When is data for Oakstar Bank next updated?
Figures from Oakstar Bank for are due after .
Where can I check the figures for Oakstar Bank?
In the FDIC BankFind Suite record for certificate 58115, and in the Call Reports of Oakstar Bank (RSSD ID 3374412) at the FFIEC Central Data Repository.