BlastPoint's Banking Scorecard

Oakstar Bank

$1B-$10B Specialty: Commercial MO FDIC cert 58115

Designations: ✓ Community bank

Springfield, MO

27 branches across MO · CO · KS · AR

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in MO.
Deposits +7.5% year over year ($2.8B on the books).
Delinquency rate 0.49%.
Return on assets 1.48%.
Efficiency ratio 56.14% vs a 59.73% peer average.
Loan-to-deposit ratio 100.46% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 30 in MO

View $1B-$10B leaderboard (MO) →

Oakstar Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.09% above tier average
+ Net Interest Margin 0.45% above tier average
+ Efficiency Ratio 3.58% below tier average
+ Delinquency Rate 0.38% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 49.1% in tier

Get updates when Oakstar Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$3.3B +10.5% YoY +4.9% QoQ	+$494.4M	$2.8B -0.6% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	74%
Total Loans ?	$2.9B +10.5% YoY +3.7% QoQ	+$899.7M	$2.0B -0.3% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	81%
Total Deposits ?	$2.8B +7.5% YoY +3.8% QoQ	+$531.0M	$2.3B -0.5% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	75%
Return on Assets ?	1.48% +42.8% YoY +0.9% QoQ	+0.09%	1.39% +17.0% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	68%
Net Interest Margin ?	4.32% +12.2% YoY +1.8% QoQ	+0.45%	3.87% +6.2% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	82%
Efficiency Ratio ?	56.14% -7.4% YoY -0.6% QoQ	-3.58%	59.73% -12.6% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	60%
Delinquency Rate ?	0.49% -23.2% YoY +13.7% QoQ	-0.38%	0.87% +11.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	53%
Loan-to-Deposit Ratio ?	100.46% +2.8% YoY -0.2% QoQ	+15.42%	85.04% -0.1% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	Bottom 13.2% in tier
Non-Interest-Bearing Deposit Share ?	12.98% -0.1% YoY -0.7% QoQ	-8.30%	21.27% -1.5% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	19%
Nonperforming Asset Ratio ?	0.42% -25.2% YoY +9.9% QoQ	-0.25%	0.67% +11.7% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	49%
Tier 1 Capital Ratio ?	9.79% +0.9% YoY +0.2% QoQ	-5.06%	14.84% -0.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	Bottom 4.1% in tier
Non-Interest Income / Assets ?	0.23% -20.8% YoY +97.9% QoQ	-0.29%	0.53% +2.5% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	38%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Noninterest-Bearing	13.0% 0.0pp YoY -0.1pp QoQ	-8.4pp	21.4%	20.9%	22.2%	18%
Brokered Deposits	7.8% +3.5pp YoY +1.6pp QoQ	-1.7pp	9.5%	7.4%	8.5%	61%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	11.2% -1.6pp YoY 0.0pp QoQ	-2.8pp	14.0%	12.3%	12.5%	49%
CRE	51.2% +2.6pp YoY -0.5pp QoQ	+1.2pp	50.0%	36.8%	41.4%	55%
1-4 Family	18.6% -1.0pp YoY +0.1pp QoQ	-7.8pp	26.4%	31.9%	31.3%	39%
Consumer	1.8% -0.4pp YoY -0.1pp QoQ	-2.9pp	4.7%	4.1%	5.0%	60%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	18.5%	19.7%	n/a
Leverage Ratio	9.8% +0.1pp YoY 0.0pp QoQ	-1.5pp	11.3%	11.6%	12.6%	31%
Total Capital Ratio	n/a	n/a	16.7%	19.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	428 +29 (+7.3%) YoY +32 (+8.1%) QoQ	+114	313	162	482	80%
Assets per Employee ($)	$7.7M +3.0% YoY -3.0% QoQ	-$2.8M	$10.5M	$8.0M	$8.8M	35%
Branch Count	27 +1 (+3.8%) YoY +1 (+3.8%) QoQ	+7	20	10	18	78%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.3%	0.4%	34%
Nonaccrual	0.5% -0.1pp YoY +0.1pp QoQ	-0.3pp	0.8%	0.8%	1.0%	47%
Allowance Coverage	2.45x +22.2% YoY -14.7% QoQ	-16.26x	18.71x	10.47x	20.23x	57%
Net Charge-off Rate (YTD)	0.1% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.3%	0.2%	64%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	14.6% +4.3pp YoY +0.2pp QoQ	+2.0pp	12.6%	14.3%	11.6%	70%
Cost of Funds (YTD)	2.4% -0.3pp YoY 0.0pp QoQ	+0.5pp	1.9%	1.8%	1.7%	80%
Net Income ($, YTD)	$23.3M +55.6% YoY — QoQ	+$4.1M	$19.2M	$11.3M	$40.4M	75%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk

#110 of 222 • Bottom 49.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.79%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

162

Net Interest Margin

profitability

Value: 4.32%

Peer Median: 3.87%

#162 of 885 Top 18.2% in $1B-$10B

171

Total Loans

size

Value: $2.86B

Peer Median: $1.96B

#171 of 885 Top 19.2% in $1B-$10B

219

Total Deposits

size

Value: $2.85B

Peer Median: $2.32B

#219 of 885 Top 24.6% in $1B-$10B

Top Weaknesses (3 metrics)

850

Tier 1 Capital Ratio

capital

Value: 9.79%

Peer Median: 14.84%

#850 of 885 Bottom 4.1% in $1B-$10B

769

Loan-to-Deposit Ratio

liquidity

Value: 100.46%

Peer Median: 85.04%

#769 of 885 Bottom 13.2% in $1B-$10B

718

Non-Interest-Bearing Deposit Share

funding

Value: 12.98%

Peer Median: 21.27%

#718 of 885 Bottom 19.0% in $1B-$10B