BlastPoint's Banking Scorecard
Oakstar Bank
Designations: ✓ Community bank
Springfield, MO
29 branches across MO · CO · KS · AR
Oakstar Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.10% above tier average
- + Net Interest Margin 0.43% above tier average
- + Efficiency Ratio 4.60% below tier average
- + Delinquency Rate 0.46% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 41.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.1B
+8.9% YoY
+3.1% QoQ
|
+$319.4M |
$2.8B
-0.1% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
72% |
| Total Loans ? |
$2.8B
+10.1% YoY
+3.1% QoQ
|
+$796.8M |
$2.0B
+0.6% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
80% |
| Total Deposits ? |
$2.7B
+7.3% YoY
+2.2% QoQ
|
+$401.1M |
$2.3B
-0.3% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
74% |
| Return on Assets ? |
1.47%
+27.8% YoY
+24.4% QoQ
|
+0.10% |
1.37%
+19.6% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
69% |
| Net Interest Margin ? |
4.24%
+13.5% YoY
+5.2% QoQ
|
+0.43% |
3.82%
+6.9% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
81% |
| Efficiency Ratio ? |
56.46%
-8.2% YoY
-4.7% QoQ
|
-4.60% |
61.06%
-4.6% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
60% |
| Delinquency Rate ? |
0.43%
-24.7% YoY
-3.0% QoQ
|
-0.46% |
0.89%
+14.1% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
100.63%
+2.6% YoY
+0.8% QoQ
|
+16.43% |
84.20%
+0.3% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 12.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.06%
+0.7% YoY
+5.0% QoQ
|
-8.23% |
21.29%
-2.5% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.39%
-22.1% YoY
-3.1% QoQ
|
-0.29% |
0.67%
+15.6% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
55% |
| Tier 1 Capital Ratio ? |
9.76%
+1.3% YoY
-0.1% QoQ
|
-5.40% |
15.16%
+2.0% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
Bottom 2.9% in tier |
| Non-Interest Income / Assets ? |
0.12%
-30.6% YoY
-77.9% QoQ
|
-0.14% |
0.26%
+1.6% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
40% |
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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 (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.