Oakstar Bank
Oakstar Bank reported total assets of $3.3 bn at Q2 2026, up 10.5% from a year earlier. It uses the community bank leverage ratio framework, with a tier 1 leverage ratio of 9.79%, and an estimated 18.52% of domestic deposits were uninsured. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- Uninsured share of domestic deposits: down 1.98 pp on Q1 2026, to 18.52%
- Total assets: up 4.9% on Q1 2026, to $3.3 bn
- Total deposits: up 3.8% on Q1 2026, to $2.8 bn
Ranks compare banks in our US coverage that report each metric. Sparklines: the last ten years. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Overview
What stands out about Oakstar Bank?
Its largest one-quarter change in total assets since Q1 2016 was +36.5% between Q3 2016 and Q4 2016, when it absorbed The Bank of Urbana.
How large is Oakstar Bank?
At Q2 2026 the bank held $3.3 bn of assets. Deposits were $2.8 bn and net loans and leases $2.9 bn, a loan-to-deposit ratio of 100.46%. Securities of $102.1 mn made up 3.1% of assets.
Total assets rose 698.8% between Q1 2016 and Q2 2026, from $411.6 mn.
How much of its funding is uninsured?
An estimated 18.52% of domestic deposits were above the FDIC insurance limit at Q2 2026, -1.98 pp from the previous quarter and -11.08 pp from a year earlier. That share ranks 422nd among 500 banks reporting this metric (1 = highest).
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total assets | $3.3 bn | +10.5% | 385th of 497 |
| Total deposits | $2.8 bn | +7.5% | 375th of 499 |
| Net loans and leases | $2.9 bn | +10.5% | 326th of 500 |
| Bank equity capital | $327.1 mn | +9.7% | 415th of 498 |
| Tier 1 leverage ratio | 9.79% | +0.09 pp | 330th of 500 |
| Return on equity (ROE) | 14.62% | +4.33 pp | 140th of 500 |
| Net interest margin | 4.32% | +0.47 pp | 83rd of 500 |
| Uninsured share of domestic deposits | 18.52% | -11.08 pp | 422nd of 500 |
| 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: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.
Balance sheet
Total assets, deposits and net loans, quarterly, Q1 2016 to Q2 2026. Dashed amber lines mark the mergers and acquisitions listed under Mergers and acquisitions.
- Total assets $3.3bn
- Deposits $2.8bn
- Net loans $2.9bn
Capital and securities
The bank uses the community bank leverage ratio framework, so it does not report risk-based capital ratios. Its tier 1 leverage ratio was 9.79% at Q2 2026, +0.09 pp from a year earlier. The median tier 1 leverage ratio of the size peers listed below was 11.87% at Q2 2026.
Available-for-sale securities showed an unrealized loss of $5.7 mn at Q2 2026; the loss narrowed by $1.3 mn from a year earlier.
Capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 9.8%
Unrealized gains and losses on securities
- Available for sale -$6mn
- Held to maturity $0
Profitability and loan quality
Return on equity was 14.62% for the year to Q2 2026, annualized, with a return on assets of 1.48% and a net interest margin of 4.32%. The margin was +0.47 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 56.14%. Net income for the year to Q2 2026 was $23.3 mn, up 55.6% on the same period a year earlier. The median return on equity of its size peers was 12.85% for the same period.
Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 0.48% of total loans at Q2 2026. Net charge-offs for the year to date were 0.08% of average loans, annualized.
Profitability
- Return on equity 15%
- Net interest margin 4.3%
- Return on assets 1.5%
Compared with banks of similar size
The six banks ranked closest to Oakstar Bank by total assets at Q2 2026, three above and three below where possible.
Among the seven banks in the table at Q2 2026, Oakstar Bank is 4th by total assets. Its tier 1 leverage ratio of 9.79% compares with a peer median of 11.87%, its return on equity of 14.62% compares with a peer median of 12.85%, and its uninsured share of deposits of 18.52% compares with a peer median of 30.73%.
| Bank | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|
| ACNB Bank | $3.3 bn | 14.30% | 14.53% | 22.40% | |
| Union Savings Bank | $3.3 bn | not reported | 8.38% | 22.67% | |
| Fidelity Bank | $3.3 bn | 10.97% | 11.90% | 38.79% | |
| Oakstar Bank | $3.3 bn | not reported | 14.62% | 18.52% | |
| Lone Star National Bank | $3.3 bn | 20.01% | 12.92% | 58.85% | |
| WestStar Bank | $3.3 bn | 13.13% | 19.53% | 61.03% | |
| Stearns Bank | $3.3 bn | 15.39% | 12.78% | 15.89% | |
Q2 2026. Peer median (the six banks, excluding this one): CET1 14.30%, return on equity 12.85%. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Last eight quarters
Oakstar Bank, as reported in its Call Reports.
From Q3 2024 to Q2 2026, total assets rose 16.4% to $3.3 bn, deposits rose 13.9% to $2.8 bn and bank equity capital rose 17.0% to $327.1 mn. Over the same period its full-time equivalent staff went from 383 to 428 and its offices went from 27 to 27.
| 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 |
Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Mergers and acquisitions
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
- Total assets 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.
Source: FDIC BankFind API, institution history. Moves of more than 25% in one quarter are checked against that history in our review.
Identifiers and sources
- FDIC certificate
- 58115
- Federal Reserve RSSD ID
- 3374412
- Head office
- Springfield, Missouri
- Holding company
- OAKSTAR BANCSHARES INC (as reported to the FDIC)
- Holding company RSSD ID
- 3376452
- EconoMonitor ID
- EMB-US-000581
Frequently asked questions
What were Oakstar Bank's total assets?
$3.3 bn at Q2 2026, according to its Call Report as published by the FDIC. By total assets it ranks 385th among 497 banks reporting this metric (1 = highest).
Is Oakstar Bank the same as its holding company?
No. This page covers the FDIC-insured bank (certificate 58115). Its holding company, OAKSTAR BANCSHARES INC (as reported to the FDIC), reports separately to the Federal Reserve and, if its shares are listed, to the SEC.
How often is this page updated?
Every quarter, after Oakstar Bank files its Call Report and the FDIC publishes it. This page shows Q2 2026, loaded on 19 October 2026; any sentence that uses an earlier quarter names it.
Where can I check these numbers?
In the FDIC BankFind Suite record for certificate 58115, and in the Call Reports filed under RSSD ID 3374412 at the FFIEC Central Data Repository.
Sources and definitions
Definitions, Call Report fields and formulas for each metric: Bank equity capital, Uses community bank leverage ratio framework, Common equity tier 1 (CET1) ratio, Deposits in domestic offices, Efficiency ratio, Full-time equivalent employees, Loan-to-deposit ratio, Total loans and leases (gross), Net loans and leases, Net charge-offs to average loans, Net income (year to date), Net interest margin, Noncurrent loans to total loans, Number of offices, Return on assets (ROA), Return on equity (ROE), Available-for-sale securities (amortized cost), Available-for-sale securities (fair value), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value), Total securities, Tier 1 leverage ratio, Total assets, Total deposits, Total equity capital, Total risk-based capital ratio, Uninsured share of domestic deposits, Estimated uninsured deposits, Unrealized gain/loss on available-for-sale securities, Unrealized gain/loss on held-to-maturity securities.
Checks for this release: Check A (database against the FDIC download) passed, Check B (FDIC against FFIEC Call Report filings) passed.
Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. FDIC BankFind Suite API.
Source: FFIEC Central Data Repository (Call Reports). EconoMonitor is not affiliated with or endorsed by the FFIEC. FFIEC Central Data Repository, Public Data Distribution.
Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.