Oakstar Bank is a state-chartered bank (fed member) headquartered in Springfield, Missouri, in business for about 21 years. At the end of Q2 2026 it reported $3.3B in total assets and $2.8B in deposits, with 27 offices across 3 states.
Based on its Q2 2026 filing, Oakstar Bank scores 69/100, which we describe as moderate. That is higher than 53% of 897 banks with $1 billion – $10 billion. Among 194 banks headquartered in Missouri, it ranks 111th. Its strongest component is problem-loan coverage (92/100; 3.9%), and its lowest is capital cushion (48/100; 9.79%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 7 points (62 → 69), mostly because the earnings component improved by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 59 |
| Q4 2024 | 61 |
| Q1 2025 | 64 |
| Q2 2025 | 62 |
| Q3 2025 | 63 |
| Q4 2025 | 64 |
| Q1 2026 | 69 |
| Q2 2026 | 69 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.03% |
| Q3 2024 | 9.55% |
| Q4 2024 | 9.60% |
| Q1 2025 | 9.64% |
| Q2 2025 | 9.70% |
| Q3 2025 | 9.78% |
| Q4 2025 | 9.77% |
| Q1 2026 | 9.76% |
| Q2 2026 | 9.79% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.65% |
| Q3 2024 | 0.67% |
| Q4 2024 | 0.50% |
| Q1 2025 | 0.56% |
| Q2 2025 | 0.63% |
| Q3 2025 | 0.60% |
| Q4 2025 | 0.44% |
| Q1 2026 | 0.42% |
| Q2 2026 | 0.48% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.62% |
| Q3 2024 | 0.69% |
| Q4 2024 | 0.75% |
| Q1 2025 | 1.15% |
| Q2 2025 | 1.04% |
| Q3 2025 | 1.11% |
| Q4 2025 | 1.18% |
| Q1 2026 | 1.47% |
| Q2 2026 | 1.48% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $3.3B | 9.79% | 0.48% | 1.48% | 100.5% |
| Q1 2026 | 69 | $3.1B | 9.76% | 0.42% | 1.47% | 100.6% |
| Q4 2025 | 64 | $3.0B | 9.77% | 0.44% | 1.18% | 99.8% |
| Q3 2025 | 63 | $3.0B | 9.78% | 0.60% | 1.11% | 99.3% |
| Q2 2025 | 62 | $3.0B | 9.70% | 0.63% | 1.04% | 97.7% |
| Q1 2025 | 64 | $2.9B | 9.64% | 0.56% | 1.15% | 98.1% |
| Q4 2024 | 61 | $2.8B | 9.60% | 0.50% | 0.75% | 98.6% |
| Q3 2024 | 59 | $2.8B | 9.55% | 0.67% | 0.69% | 97.8% |
| Q2 2024 | 57 | $2.7B | 9.03% | 0.65% | 0.62% | 98.4% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Academy Bank, National AssociationBank Kansas City, MO | 73 out of 100, Strong | $3.2B | 14.3% | 1.05% | vs |
| North American Savings Bank, F.S.B.Bank Grandview, MO | 76 out of 100, Strong | $3.2B | 14.2% | 0.90% | vs |
| Midwest BankCentreBank Lemay, MO | 69 out of 100, Moderate | $3.1B | 12.1% | 1.07% | vs |
| Lead BankBank Kansas City, MO | 44 out of 100, Below average | $2.8B | 7.4% | 3.26% | vs |
| Guaranty BankBank Springfield, MO | 68 out of 100, Moderate | $2.4B | 12.3% | 0.88% | vs |
| Omb BankBank Springfield, MO | 62 out of 100, Moderate | $2.4B | 9.2% | 0.83% | vs |
Deposit insurance
Is my money safe at Oakstar Bank?
Yes. Oakstar Bank is an FDIC-insured institution (FDIC certificate #58115). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.5% of deposits ($527.8M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.79%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
27 locations
Branches
Oakstar Bank lists 23 offices in 21 cities across 3 states. Most locations:
- Bolivar, MO (2)
- Springfield, MO (2)
- Buffalo, MO (1)
- Camdenton, MO (1)
- Clinton, MO (1)
- Colorado Springs, CO (1)
- Delta, CO (1)
- Grand Junction, CO (1)
- Hermitage, MO (1)
- Joplin, MO (1)
- Kansas City, KS (1)
- Lake Ozark, MO (1)
HMDA 2025
Mortgage lending
In 2025, Oakstar Bank reported 1,149 home-loan applications under HMDA (LEI 549300ZX4OGRPOOEH505): 974 originated ($280,690,000 total), 49 denied, and 102 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Oakstar Bank
- Former names
- OakStar Bank, National Association
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 58115
- RSSD ID
- 3374412
- Primary regulator
- FED
- Holding company
- Oakstar Bancshares Inc
- Established
- October 24, 2005
- Headquarters
- 1020 E Battlefield St, Springfield, MO 65807
- Website
- www.oakstarbank.com
- Employees
- 428
Quick answers
Oakstar Bank: common questions
Is Oakstar Bank FDIC insured?
Yes. Oakstar Bank is an FDIC-insured institution (FDIC certificate #58115). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Oakstar Bank's TellerScore?
69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Oakstar Bank ever failed?
There is no failure record for FDIC certificate #58115 in the FDIC failed bank list.
How many branches does Oakstar Bank have?
27 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Springfield
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples Community BankBank Greenville, MO | 83 out of 100, Strong | $735.2M | 18.5% | 1.23% | vs |
| Wood & Huston BankBank Marshall, MO | 82 out of 100, Strong | $1.2B | 11.6% | 0.14% | vs |
| Mid-Missouri BankBank Springfield, MO | 80 out of 100, Strong | $946.7M | 10.8% | 0.07% | vs |
| Foundation Credit UnionCredit union Springfield, MO | 79 out of 100, Strong | $76.6M | 14.3% | 0.33% | vs |
| Multi-States Credit UnionCredit union Springfield, MO | 78 out of 100, Strong | $90.9M | 12.5% | 0.36% | vs |
| Arlo BankBank Springfield, MO | 77 out of 100, Strong | $269.1M | 13.5% | 0.00% | vs |