Total Assets
$3.0B
Total balance-sheet footings
FDIC Cert #58115 · Springfield, Missouri · Est. 2005
Oakstar Bank - FDIC Bank Health Profile
A community-scale look at Oakstar Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $3.0B
- Total assets
- B
- Health grade · Good
- 1.18%
- Return on assets
- 9.8%
- Tier 1 capital
Data updated July 2026
The verdict
Oakstar Bank earns a PlainBankData health grade of B (70/100), with 9.77% Tier 1 capital, profitable at 1.18% ROA, efficient (59% cost ratio).
- #416
- largest of 4,313 FDIC banks by assets
- 90th
- percentile by asset size, nationally
- 9.77%
- Tier 1 ratio - below the 10% well-capitalized line
- 56th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Oakstar Bank's 70/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Oakstar Bank's composite health score
Tier 1 Capital Ratio (9.77%) 18/40
Return on Assets (ROA) (1.18%) 20/25
Texas Ratio (3.40%) 20/20
Efficiency Ratio (59.24%) 12/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.7B
Customer-funded liabilities
Net Loans
$2.7B
Outstanding loan book
Net Income
$35M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Oakstar Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Oakstar Bank's score of 70/100 falls in the highlighted band.
Oakstar Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Oakstar Bank's $3.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.77% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.77%
Texas Ratio
3.40%
Equity Capital
$314M
Profitability metrics
Return on Assets (ROA)
56th percentile nationally
1.18%
Return on Equity (ROE)
11.57%
Efficiency Ratio
59.24%
What the numbers say about Oakstar Bank
Oakstar Bank is an FDIC-insured institution (Certificate #58115) headquartered in Springfield, Missouri, established in 2005. It holds $3.0B in total assets - 416th of 4,313 FDIC-insured banks, $2.7B in customer deposits, and $2.7B in net loans. Capital-wise, the Tier 1 ratio sits at 9.77%, falling short of the federal 10% well-capitalized bar; the Texas Ratio reads 3.40%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (70 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Oakstar Bank sits in the top decile of all FDIC-insured institutions by asset size (416th of 4,313), and within Missouri it ranks 12th of 198 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is The Bank of Missouri, at $3.0B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$182M
Interest Income
$16M
Non-Interest Income
$75M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Oakstar Bank reports a Texas Ratio of 3.40% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.40% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Oakstar Bank (FDIC Cert #58115) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is Oakstar Bank's health grade?▼
Oakstar Bank receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Oakstar Bank?▼
Oakstar Bank holds $3.0B in total assets and $2.7B in deposits, ranking 416th of 4,313 FDIC-insured banks by asset size. It is headquartered in Springfield, Missouri.
Is my money safe at Oakstar Bank?▼
Yes, deposits at Oakstar Bank (Certificate #58115) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Oakstar Bank's Tier 1 Capital Ratio?▼
Oakstar Bank has a Tier 1 Capital Ratio of 9.77%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Oakstar Bank?▼
Oakstar Bank has a Texas Ratio of 3.40%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Oakstar Bank?▼
Oakstar Bank has an Efficiency Ratio of 59.24%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Oakstar Bank's profile as a depositor or analyst.
- Oakstar Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Oakstar Bank against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.