# OAKSTAR BANK
SPRINGFIELD, MO · FDIC certificate 58115 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.29B | |
| Deposits | $2.85B | |
| Loans and leases | $2.90B | |
| Total equity | $327.1M | |
| Loans / deposits | 100.46% (p87 of band) | 87.10% |
| Liquid assets / assets | 6.13% (p1 of band) | |
| Uninsured deposits / deposits | 18.52% (p15 of band) | 30.76% |
| Brokered deposits | 6.74% | |
| Wholesale funding | 8.87% (p60 of band) | |
| FHLB advances / assets | 2.13% | |
| Tier 1 leverage | 9.79% (p31 of band) | 10.50% |
| Unrealized securities loss / equity | -1.75% (p82 of band) | -7.75% |
| AOCI / equity | -0.22% (p56 of band) | |
| ROA (annualized) | 1.48% (p68 of band) | 1.26% |
| Net interest margin | 4.32% (p82 of band) | 3.70% |
| Efficiency ratio | 56.14% (p41 of band) | |
| Noncurrent loans | 0.48% (p48 of band) | 0.51% |
| Net charge-offs (annualized) | 0.07% (p71 of band) | |
| Reserve coverage of noncurrent | 245.21% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 85.98% (p81 of band) | |
| Auto loans | $4.9M (0.17% of loans; DQ 0.45%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 7.5% | |
| Employees | 428 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 | wholesale funding >15% | reserve under noncurrent |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 0 |  | wholesale funding >15% |
| 2012-09 | 1 | liquid assets <10% |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 3 | brokered >10%, wholesale funding >15% |  |
| 2013-06 | 4 | capital falling |  |
| 2013-09 | 3 |  | liquid assets <10% |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 | liquid assets <10% | capital falling |
| 2014-09 | 5 | loans exceed deposits, construction >100% equity |  |
| 2014-12 | 4 | capital falling | loans exceed deposits, construction >100% equity |
| 2015-03 | 4 | construction >100% equity | liquid assets <10% |
| 2015-06 | 2 |  | capital falling, construction >100% equity |
| 2015-09 | 2 |  |  |
| 2015-12 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2016-03 | 4 |  |  |
| 2016-06 | 6 | capital falling, construction >100% equity |  |
| 2016-09 | 6 |  |  |
| 2016-12 | 3 |  | liquid assets <10%, capital falling, construction >100% equity |
| 2017-03 | 1 |  | brokered >10%, loans exceed deposits |
| 2017-06 | 5 | loans exceed deposits, brokered >10%, liquid assets <10%, capital falling |  |
| 2017-09 | 4 |  | loans exceed deposits |
| 2017-12 | 2 |  | liquid assets <10%, capital falling |
| 2018-03 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2018-06 | 0 |  | wholesale funding >15%, brokered >10%, loans exceed deposits, liquid assets <10% |
| 2018-09 | 2 | liquid assets <10%, capital falling |  |
| 2018-12 | 0 |  | liquid assets <10%, capital falling |
| 2019-03 | 1 | liquid assets <10% |  |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | liquid assets <10% |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | uninsured deposits leaving | capital falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 | capital falling | uninsured deposits leaving |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | liquid assets <10% |  |
| 2024-03 | 2 | charge-offs p90 | liquid assets <10% |
| 2024-06 | 2 | liquid assets <10% | charge-offs p90 |
| 2024-09 | 1 |  | capital falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 4 | loans exceed deposits, capital falling, uninsured deposits leaving |  |
| 2026-06 | 3 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-08 [OakStar Bank Announces Two Leadership Promotions - Bolivar Herald Free-Press](https://news.google.com/rss/articles/CBMikwFBVV95cUxNZTNHWmxwczhjSHF0VjVzUHRabHdkeDA1VHhJd2lqQi1oMkdNbzJaQ1Z1el9ab2p6dVpHZ3JJUUtJTExqZnkwU3FmY3dMLTRVb1Q3NXBuUGpLYXQ2cFpsdEZwR0R0Y2tuV1VJb1RWZzc3UlhHNXFCNDNWUndYbU5lTDM2bFZUemItU3pYU3BHRDkzNXM?oc=5) · Bolivar Herald Free-Press
- 2026-06-26 [Jury rules against Sun Solar in lawsuit involving OakStar Bank, ex-employee - Springfield Business Journal](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQTWhIUERJUVU2Z19laDVrSS1aczJPYm5yRnlHN1oyek9OR3lDQ1YybFBueHIyS0ZQNTdnb0xjdEZNcWtTUVZ0ZVdwTlhZMm5QYldROEJEWnFEcy1PbWR1VlFXLVFkM3d1MnlyX2VpQWFqcU1ieXR0eW55eWstRUQ4N3paRlNZNmRxT191UE1jWUplVXlFSEI2MDdKQS1NaTg3WERRVDJqd2Q?oc=5) · Springfield Business Journal
- 2026-05-26 [OakStar Bank celebrates new Bolivar location - Bolivar Herald Free-Press](https://news.google.com/rss/articles/CBMijgFBVV95cUxOWHZBOTNPalI5RVphWVpTMVlTSHFIWTJNaG5oelA5a2NLY2t1TnRIejlmZ0Y0ampHTHhnUUZsLXpQYWFRZDhNMGozbW5FN0V1NjR6akRjSGd0ZFUweGtKeTB2TkNtT3pMN25JXzZrYUZPdnZBUUpVTkpfb2RPamFLN2lvZ2paYkZOd1dGSG5n?oc=5) · Bolivar Herald Free-Press
- 2016-07-14 [2 banks agree to merge - KY3](https://news.google.com/rss/articles/CBMif0FVX3lxTE1fMkYwZTJ1MWlNSjhXXzltU1RFRGJSRGxuME5TT0RUcEtPSzNuX2RuaENkM3hVbG1vLWpqVjZKOS1qU0lOdGNRZzUtYWFnZmJ4UW5feVFfYS1jejFNZ0RsWnM1OUc2d3RlWHJUbDYtOEFlVDJfc2dyWmhaQjRKdkHSAZMBQVVfeXFMUHBLanh4WnlvOURmX1EtVUdwQWN0VktMVDJ5eDFoQXAtemtwLU83TndzdDVNNVlpQnBxZlhqVHRLdTVXSWQ2d2htYTl4dHNnU3hua0VWSk9tTl9hTmk2UDJ0VzREZ1NyMEFYS3hvYXk1NXJMYUFydkRNVmZ5TDRZZ3NvbzZpMERadFczZU1jX096ZjN3?oc=5) · KY3
- 2016-07-24 [OakStar Bank and Bank of Urbana announce merger - Springfield News-Leader](https://news.google.com/rss/articles/CBMiswFBVV95cUxPazJKTjFBZjlkVGhDZC0zX2w4N2ZFaTItUVNNejZqZ0RpVTQyYm1kVkdINGs1Vk5YdTY5WE12VTdhTlVzenh2TERmOW5uSjkxNkk4ejZkdGdENkF2eGtiY05mYkUxMG5oeVE3NHJJR1FfVEI3Ymp2ejdjOG4xcHlqSGJjaVpZVTRnRVJpZlpBU1RKNENfbjF6cWVmek10UHBnN2FoMi1rRG43cVE4Nm5UVlNmUQ?oc=5) · Springfield News-Leader
- 2023-12-15 [Oakstar Bank (MO) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMifkFVX3lxTE42enF4NDhSX2FMNmU0SFM4dEppejhzb3lYV2dtWnU0ckhDenJzLXloalo0WG9rTmhpTFVIamNON2tmQVFUOS05eUdOUlZzV1JteUpHOGFrVmlVYmZ6TjlDZkFJUE1CNXowRmtVTEtUb19sU0JKY3hta2traHhqQQ?oc=5) · SmartAsset
- 2026-07-06 [Defense avoids $21M demand after client accused of stealing intellectual property - Missouri Lawyers Media](https://news.google.com/rss/articles/CBMimAFBVV95cUxNRWFSVnF2WlZybjFZWGttdEdobDk2YTBxUnVlZE1Hd01QU3FaUzZjeFRPc1dzdlVSeWh5VHZ3cUh5Z2h2NnQxUWgwTXNpVlpuVlRDOTNVV1IzNldWUDF1WVRhWE96MWZia0JMZFRyNXNNV0tHZnRJd0VQMjZ1S0o2Ymh4clNfaThMWkdBc1N2bVl1bWVuNW5zaQ?oc=5) · Missouri Lawyers Media
- 2024-07-02 [OakStar Bank installs new CEO - Springfield Business Journal](https://news.google.com/rss/articles/CBMia0FVX3lxTE9VWTgxd0s1UlVBcDMtU1FUTWlBcFV6bF9PelREYkVuUVZtN3R0YjRtSmk3dzJkR2lpaHZnSHFTSUVVZng1U204QmkzQ3dvZnllWHZZdWJpLUV6M0NDMmNCdWxNdVVKYTdsZGJR?oc=5) · Springfield Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58115 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/3.json (key "58115", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide