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Oakstar Bank
Springfield, MO·FDIC Cert #58115·Charter: STATE·Est. 20051024.0·HC: OAKSTAR BANCSHARES INC
Total Assets
$3.0B
Q4 2025
Return on Assets
1.18%
+0.07%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
59.24%
Peer avg: 58.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
53
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.18%+0.07
ROE
11.57%+0.64
Efficiency
59.24%-0.24
Equity/Assets
0.00%+0.00
NPL Ratio
1.09%+0.48
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
99.78%+0.53
Charge-offs
0.20%+0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.5 | 0.6 | 0.7 | 0.8 | 1.1 | 1.0 | 1.1 | 1.2 |
| ROE | 5.2 | 6.3 | 7.1 | 7.7 | 11.4 | 10.3 | 10.9 | 11.6 |
| Efficiency | 76.2 | 74.8 | 71.2 | 69.4 | 61.5 | 60.6 | 59.5 | 59.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.7 | 0.7 | 0.5 | 0.6 | 0.6 | 0.6 | 1.1 |
| Charge-offs | 0.3 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
| Loan/Deposit | 93.4 | 98.4 | 97.8 | 98.6 | 98.1 | 97.7 | 99.3 | 99.8 |
Balance Sheet
Total Assets$3.0B
Total Deposits$2.7B
Total Loans$2.7B
Total Equity$314.5M
Profitability
ROA1.18%
ROE11.57%
Efficiency Ratio59.24%
Net Income$34.6M
Risk & Asset Quality
NPL Ratio1.09%
Charge-off Rate0.20%
Loan/Deposit99.78%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans