BlastPoint's Banking Scorecard

Oakstar Bank

Community Specialty: Commercial MO FDIC cert 58115

Springfield, MO

1484 banks in Community tier nationally 62 in MO

View Community leaderboard (MO) →

Oakstar Bank shows stable performance across key metrics

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$3.0B +7.5% YoY +2.3% QoQ	+$1.6B	$1.4B +2.0% YoY	$1.5B +13.3% YoY	$5.9B +6.5% YoY	Top 8% in tier
Total Loans ?	$2.7B +8.2% YoY +2.5% QoQ	+$1.7B	$975.5M +2.4% YoY	$962.2M +12.2% YoY	$3.1B +8.5% YoY	Top 5% in tier
Total Deposits ?	$2.7B +6.9% YoY +2.0% QoQ	+$1.5B	$1.2B +1.7% YoY	$1.3B +12.4% YoY	$4.7B +6.3% YoY	Top 7% in tier
Return on Assets ?	1.18% +56.4% YoY +6.3% QoQ	+0.01%	1.16% +17.2% YoY	1.34% +11.8% YoY	1.12% +15.6% YoY	54%
Net Interest Margin ?	4.03% +15.9% YoY +2.2% QoQ	+0.37%	3.66% +9.1% YoY	3.96% +8.2% YoY	3.75% +7.1% YoY	72%
Efficiency Ratio ?	59.24% -14.7% YoY -0.4% QoQ	-3.39%	62.63% -5.3% YoY	60.96% -4.9% YoY	65.09% -5.1% YoY	59%
Delinquency Rate ?	1.09% +113.8% YoY +78.5% QoQ	+0.46%	0.63% +18.3% YoY	0.68% +40.2% YoY	0.66% +20.3% YoY	23%
Loan-to-Deposit Ratio ?	99.78% +1.2% YoY +0.5% QoQ	+16.72%	83.06% +0.3% YoY	81.02% +1.1% YoY	78.04% +0.7% YoY	Bottom 13% in tier
Non-Interest-Bearing Deposit Share ?	12.44% -4.4% YoY -4.2% QoQ	-8.60%	21.05% -0.9% YoY	21.00% +0.9% YoY	21.79% -1.3% YoY	16%
Nonperforming Asset Ratio ?	0.97% +117.2% YoY +75.6% QoQ	+0.47%	0.50% +20.3% YoY	0.56% +46.7% YoY	0.48% +20.8% YoY	20%
Tier 1 Capital Ratio ?	0.00%	-10.24%	10.24% -0.6% YoY	8.09% -3.5% YoY	9.75% -1.9% YoY	29%
Non-Interest Income / Assets ?	0.54% -19.7% YoY +26.5% QoQ	-0.20%	0.74% -1.3% YoY	0.63% +2.3% YoY	0.65% +0.6% YoY	53%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Total Loans

Current: $2.7B · Tier avg: $975.5M

95th pctile

Total Deposits

Current: $2.7B · Tier avg: $1.2B

93th pctile

Total Assets

Current: $3.0B · Tier avg: $1.4B

92th pctile

Net Interest Margin

Current: 4.03% · Tier avg: 3.66%

72th pctile

Efficiency Ratio

Current: 59.24% · Tier avg: 62.63%

59th pctile

Return on Assets

Current: 1.18% · Tier avg: 1.16%

54th pctile

Non-Interest Income / Assets

Current: 0.54% · Tier avg: 0.74%

53th pctile

Tier 1 Capital Ratio

Current: 0.00% · Tier avg: 10.24%

29th pctile

Delinquency Rate

Current: 1.09% · Tier avg: 0.63%

23th pctile

Nonperforming Asset Ratio

Current: 0.97% · Tier avg: 0.50%

20th pctile

Non-Interest-Bearing Deposit Share

Current: 12.44% · Tier avg: 21.05%

16th pctile

Loan-to-Deposit Ratio

Current: 99.78% · Tier avg: 83.06%

13th pctile

Top Weaknesses