Oakstar Bank: how it compares with its peers
Against 14 MO banks with half to twice its assets, Oakstar Bank's strongest measure in Q2 2026 is net interest margin (4.32% vs. a 3.65% peer median). Its weakest relative measure is assets per employee ($7.7M vs. $7.8M).
| Measure | Oakstar Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.48% | 1.28% | Top third Ahead of 71% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.32% | 3.65% | Top third Ahead of 86% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.14% | 58.58% | Middle third Ahead of 57% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.7M | $7.8M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 100.46% | 95.85% | Context |
What it means for lending operations
Its efficiency ratio of 56.14% is better than the 58.58% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Academy Bank, National Association Kansas City, MO · $3.23B
- North American Savings Bank, F.S.B. Grandview, MO · $3.20B
- Midwest BankCentre Lemay, MO · $3.07B
- Lead Bank Kansas City, MO · $2.76B
- Guaranty Bank Springfield, MO · $2.38B
- Omb Bank Springfield, MO · $2.36B
Questions about Oakstar Bank
How big is Oakstar Bank?
Oakstar Bank, established in 2005, is headquartered in Springfield, MO. It reported $3.29B in total assets in its Q2 2026 FDIC call report and operates 27 offices.
What is Oakstar Bank's return on assets?
1.48% annualized in Q2 2026, against a 1.28% median for 14 MO banks with half to twice its assets, ahead of 71% of them.
What is Oakstar Bank's efficiency ratio?
56.14% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 58.58%, and lower is better.
Is Oakstar Bank growing its loans?
Net loans grew 10.5% over the year to Q2 2026, while deposits grew 7.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.