Oakstar Bank
Springfield, Missouri, Greene County
$3.3B in total assets, the 402nd largest of 4,309 US banks and 12th of 195 headquartered in Missouri.
- FDIC certificate
- 58115
- Established
- 2005
- Owned by
- Oakstar Bancshares Inc
- Primary regulator
- FED
- Website
- www.oakstarbank.com
At a glance
Compared with 29 banks headquartered in Missouri with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $3.3B | 83% | $1.8B | |
| Loans | $2.9B | 83% | $1.2B | |
| Deposits | $2.8B | 83% | $1.4B | |
| Return on assets | 1.39% | 62% | 1.26% | |
| Net interest margin | 4.32% | 76% | 3.86% | |
| Efficiency ratio | 56.1% | 48% | 56.8% | |
| Equity to assets | 9.95% | 31% | 10.99% | |
| Loans to deposits | 102% | 86% | 93% |
Growth
Total assets grew 14.3% a year over the last 5 years and 22.4% a year over 10 years, including 4 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jun 2024 | First Colorado National Bank Paonia, CO, an affiliate under the same holding company | $84M |
| Jun 2024 | Community First Bank Kansas City, KS, an affiliate under the same holding company | $348M |
| May 2018 | First National Bank Camdenton, MO | $190M |
| Oct 2016 | The Bank of Urbana Urbana, MO | $177M |
Where they operate
25 branches in 16 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Greene County, MO | $911M | 6.5% | 6 of 35 |
| Camden County, MO | $483M | 12.6% | 3 of 11 |
| Johnson County, KS | $294M | 1.1% | 21 of 60 |
| Polk County, MO | $206M | 24.6% | 2 of 7 |
| Hickory County, MO | $162M | 85.8% | 1 of 2 |
| Dallas County, MO | $134M | 31.8% | 2 of 4 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 23 branches since 2016 (2 to 25, +1150.0%). 13 opened, 14 acquired, 4 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 2 | |||
| 2016 | Acquired The Bank of UrbanaOpened Bolivar | 5 | 0 | +5 | 7 |
| 2017 | Opened Buffalo and Clinton | 2 | 0 | +2 | 9 |
| 2018 | Acquired First National Bank | 5 | 0 | +5 | 14 |
| 2019 | Opened Springfield | 1 | 0 | +1 | 15 |
| 2020 | Opened 3 in 2 states | 3 | 0 | +3 | 18 |
| 2021 | Opened Grand Junction and Ottawa | 2 | 0 | +2 | 20 |
| 2022 | Opened Mountain Grove | 1 | 0 | +1 | 21 |
| 2024 | Acquired First Colorado National Bank and Community First BankClosed Camdenton | 5 | 1 | +4 | 25 |
| 2025 | Opened Colorado Springs and Grand JunctionClosed 3 in 3 states | 2 | 3 | −1 | 24 |
| 2026 through Q2 | Opened Bolivar | 1 | 0 | +1 | 25 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 33% | 30% | |
| 1-4 family residential | 18% | 20% | |
| Business (C&I) | 11% | 18% | |
| Construction and land | 10% | 11% | |
| Multifamily | 8% | 7% | |
| Farmland | 8% | 5% | |
| Consumer | 2% | 4% | |
| Agricultural | 1% | 2% | |
| Other | 9% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 55% | 47% | |
| Time deposits | 32% | 33% | |
| Noninterest-bearing | 13% | 19% |
Brokered deposits are 7.8% of deposits (peers 8.0%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.39% | 0.67% |
| Net charge-offs, annualized | 0.08% | 0.03% |
| Reserves to loans | 1.18% | 1.30% |
| Leverage ratio | 9.79% | 10.93% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Missouri
Largest competitors in Greene County, MO
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/oakstar