Oakstar Bank Mortgage Rates, Fees & Info

Springfield, MO

LEI: 549300ZX4OGRPOOEH505

Tax ID: 20-3405719

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Mortgage Data

Bank Data

Review & Overview

Oakstar Bank is a smaller bank specializing in Home Purchase and Refi loans. Oakstar Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Springfield, Kansas City, Crestview, St. Joseph, and Washington among others. We have data for 97 markets. (Some data included below & more in-depth data is available with an active subscription.)

Oakstar Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Oakstar Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.27% 12/16/24
30 Year Conventional Purchase 6.29% 12/16/24
30 Year Conventional Refi 4.32% 12/16/24
30 Year Cash-out Refi 6.86% 12/16/24
30 Year FHA Purchase 7.53% 12/16/24
30 Year FHA Refi 6.80% 12/16/24
30 Year VA Purchase 6.29% 12/16/24
30 Year VA Refi 6.04% 12/16/24
30 Year USDA Purchase 6.95% 12/16/24
15 Year Conventional Purchase 6.35% 12/16/24
15 Year Conventional Refi 6.53% 12/16/24
15 Year Cash-out Refi 6.53% 12/16/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Oakstar Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Oakstar Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,691

Origination Dollar Volume (All Markets)

$420,015,000

Employee count

251 Show all (21) awards

Top Markets

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    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    SPRINGFIELD, MO (FHA|USDA|VA) 931 $192,415,000 $206,676 $2,629 4.14%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 303 $83,125,000 $274,340 $2,701 3.96%
    Outside of Metro Areas 222 $31,670,000 $142,658 $2,177 4.70%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $22,285,000 $22,285,000 $0 5.50%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 6 $15,570,000 $2,595,000 $3,324 4.85%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 18 $9,690,000 $538,333 $4,846 3.51%
    URBAN HONOLULU, HI (FHA|USDA|VA) 11 $6,855,000 $623,182 $6,007 3.69%
    Branson, MO (FHA|USDA|VA) 13 $3,945,000 $303,462 $2,315 4.54%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 11 $3,595,000 $326,818 $4,908 4.17%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 12 $3,280,000 $273,333 $2,223 4.00%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 5 $2,855,000 $571,000 $4,850 4.05%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 10 $2,610,000 $261,000 $2,973 4.21%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 5 $2,285,000 $457,000 $2,562 3.78%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 6 $2,060,000 $343,333 $3,072 3.88%
    JOPLIN, MO (FHA|USDA|VA) 14 $1,930,000 $137,857 $3,382 5.60%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 6 $1,920,000 $320,000 $2,641 3.65%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 5 $1,615,000 $323,000 $4,510 3.48%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 6 $1,420,000 $236,667 $2,488 3.96%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $1,215,000 $405,000 $7,456 3.67%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $1,100,000 $275,000 $3,624 4.22%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $985,000 $328,333 $3,492 2.90%
    Ketchikan, AK (FHA|USDA|VA) 2 $970,000 $485,000 $2,304 2.88%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 3 $915,000 $305,000 $3,957 3.58%
    Sedalia, MO (FHA|USDA|VA) 1 $875,000 $875,000 $0 5.25%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $840,000 $420,000 $4,556 3.44%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $835,000 $835,000 $3,488 3.38%
    LAWRENCE, KS (FHA|USDA|VA) 3 $755,000 $251,667 $2,265 3.63%
    St. Marys, GA (FHA|USDA|VA) 3 $745,000 $248,333 $1,171 3.04%
    Lebanon, MO (FHA|USDA|VA) 4 $720,000 $180,000 $1,993 5.15%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $705,000 $705,000 $4,688 3.25%
    Warrensburg, MO (FHA|USDA|VA) 4 $670,000 $167,500 $2,172 4.01%
    Kapaa, HI (FHA|USDA|VA) 1 $615,000 $615,000 $4,520 4.50%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $595,000 $595,000 $7,518 3.38%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $585,000 $585,000 $1,462 3.25%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 2 $570,000 $285,000 $2,706 3.69%
    RICHMOND, VA (FHA|USDA|VA) 1 $565,000 $565,000 $3,944 3.88%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $530,000 $265,000 $2,400 3.63%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $515,000 $515,000 $9,943 3.88%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $490,000 $245,000 $3,331 3.88%
    Sandpoint, ID (FHA|USDA|VA) 1 $485,000 $485,000 $4,515 3.88%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $485,000 $485,000 $3,739 3.38%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $475,000 $475,000 $4,112 2.88%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $445,000 $445,000 $4,479 3.38%
    Whitewater, WI (FHA|USDA|VA) 1 $445,000 $445,000 $3,429 4.13%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $425,000 $425,000 $4,249 3.25%
    BOULDER, CO (FHA|USDA|VA) 1 $415,000 $415,000 $2,144 3.88%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $415,000 $415,000 $7,671 3.38%
    RALEIGH-CARY, NC (FHA|USDA|VA) 1 $405,000 $405,000 $2,782 4.00%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $385,000 $385,000 $1,552 3.63%
    OCEAN CITY, NJ (FHA|USDA|VA) 1 $365,000 $365,000 $2,150 3.13%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $365,000 $365,000 $3,607 3.75%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $360,000 $180,000 $3,630 4.06%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $355,000 $355,000 $1,862 3.75%
    SALT LAKE CITY, UT (FHA|USDA|VA) 1 $355,000 $355,000 $2,778 3.63%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $350,000 $175,000 $3,510 3.25%
    LOUISVILLE, KY (FHA|USDA|VA) 1 $345,000 $345,000 $2,722 3.63%
    Spirit Lake, IA (FHA|USDA|VA) 1 $325,000 $325,000 $2,892 3.63%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $325,000 $325,000 $3,807 3.13%
    MANHATTAN, KS (FHA|USDA|VA) 1 $315,000 $315,000 $2,750 4.00%
    PITTSFIELD, MA (FHA|USDA|VA) 1 $315,000 $315,000 $12,707 4.25%
    RENO, NV (FHA|USDA|VA) 1 $305,000 $305,000 $3,391 4.50%
    WICHITA, KS (FHA|USDA|VA) 1 $295,000 $295,000 $7,141 3.63%
    GRAND JUNCTION, CO (FHA|USDA|VA) 1 $295,000 $295,000 $2,592 3.00%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $285,000 $285,000 $2,198 3.38%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $285,000 $285,000 $0 4.25%
    SANTA FE, NM (FHA|USDA|VA) 1 $275,000 $275,000 $3,279 4.00%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $275,000 $275,000 $1,424 3.75%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $275,000 $275,000 $2,457 3.75%
    West Plains, MO (FHA|USDA|VA) 1 $265,000 $265,000 $6,229 3.75%
    Hannibal, MO (FHA|USDA|VA) 1 $255,000 $255,000 $2,089 3.75%
    COLUMBIA, SC (FHA|USDA|VA) 1 $255,000 $255,000 $4,335 3.63%
    Lewistown, PA (FHA|USDA|VA) 1 $225,000 $225,000 $2,391 3.25%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $215,000 $215,000 $2,935 3.50%
    FAYETTEVILLE, NC (FHA|USDA|VA) 1 $215,000 $215,000 $2,285 2.88%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $205,000 $205,000 $1,849 3.75%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $195,000 $195,000 $2,416 3.25%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $195,000 $195,000 $909 3.50%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $185,000 $185,000 $2,778 4.00%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $185,000 $185,000 $2,173 3.88%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $185,000 $185,000 $2,287 3.88%
    TOPEKA, KS (FHA|USDA|VA) 2 $180,000 $90,000 $2,370 4.37%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $175,000 $175,000 $2,450 4.38%
    SUMTER, SC (FHA|USDA|VA) 1 $165,000 $165,000 $5,290 3.00%
    WINSTON-SALEM, NC (FHA|USDA|VA) 1 $165,000 $165,000 $1,586 3.13%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $155,000 $155,000 $2,110 3.25%
    Faribault-Northfield, MN (FHA|USDA|VA) 1 $155,000 $155,000 $2,974 3.13%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $145,000 $145,000 $2,988 5.00%
    APPLETON, WI (FHA|USDA|VA) 1 $135,000 $135,000 $1,330 3.25%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.38%
    JACKSON, MS (FHA|USDA|VA) 1 $105,000 $105,000 $2,249 3.88%
    TULSA, OK (FHA|USDA|VA) 1 $105,000 $105,000 $2,710 5.75%
    Mexico, MO (FHA|USDA|VA) 1 $105,000 $105,000 $2,132 3.63%
    SALISBURY, MD-DE (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.13%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $85,000 $85,000 $2,797 3.88%
    BATTLE CREEK, MI (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.13%
    COLUMBIA, MO (FHA|USDA|VA) 1 $65,000 $65,000 $3,107 3.88%
    Fort Leonard Wood, MO (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.50%
    Oakstar Bank's top markets include Springfield, Kansas City, Crestview, St. Joseph, and Washington among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • Hawaii (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against Oakstar Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 160
    Southwest Missouri Bank
    Similarity Rank: 176
    UNITED CONSUMERS CREDIT UNION
    Similarity Rank: 416
    Community National Bank & Trust
    Similarity Rank: 442
    FRONTIER COMMUNITY CREDIT UNION
    Similarity Rank: 651
    NYMEO FEDERAL CREDIT UNION
    Similarity Rank: 697
    Mid-Atlantic Federal Credit Union
    Similarity Rank: 828
    Central Bank of Warrensburg
    Similarity Rank: 1032

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,368 $339,540,000 $248,202 $2,276 4.28%
    VA 169 $54,995,000 $325,414 $3,852 3.52%
    FHA 113 $19,835,000 $175,531 $5,178 3.83%
    USDA 41 $5,645,000 $137,683 $3,499 3.87%

    For 2019, Oakstar Bank's most frequently originated type of loan was Conventional, with 1,368 originations. Their 2nd most popular type was VA, with 169 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,061 $265,355,000 $250,099 $2,905 4.24%
    Refi 423 $117,975,000 $278,901 $2,336 3.85%
    Cash Out Refi 170 $34,660,000 $203,882 $2,747 4.07%
    Home Improvement 19 $995,000 $52,368 $1,366 5.95%
    Other 18 $1,030,000 $57,222 $1,515 6.22%

    For 2019, Oakstar Bank's most frequently cited loan purpose was Home Purchase, with 1,061 originations. The 2nd most popular reason was Refi, with 423 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,264 $285,460,000 $225,839 $2,866 3.98%
    15 Year 184 $39,490,000 $214,620 $2,106 3.95%
    20 Year 80 $14,690,000 $183,625 $2,089 4.72%
    5 Year 61 $26,445,000 $433,525 $1,135 5.45%
    10 Year 39 $12,125,000 $310,897 $1,125 5.69%
    Other 30 $37,190,000 $1,239,667 $1,853 5.32%
    1 Year 20 $2,910,000 $145,500 $1,064 5.48%
    3 Year 12 $1,430,000 $119,167 $808 5.88%
    30+ year 1 $275,000 $275,000 $1,424 3.75%

    For 2019, Oakstar Bank's most frequently cited loan duration was 30 Year, with 1,264 originations. The 2nd most popular length was 15 Year, with 184 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,379 $302,275,000 $219,199
    $1k-2k 45 $9,335,000 $207,444
    $2k-3k 17 $3,255,000 $191,471
    $3k-4k 9 $2,295,000 $255,000
    $4k-5k 5 $1,915,000 $383,000
    $5k+ 2 $1,640,000 $820,000

    Oakstar Bank's average total fees were $2,866, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,379 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 917 $216,665,000 $236,276
    4-5% 443 $116,785,000 $263,623
    5-6% 207 $66,345,000 $320,507
    6-7% 48 $3,780,000 $78,750
    <2.5% 33 $6,225,000 $188,636
    2.5-3% 30 $9,110,000 $303,667
    7-8% 8 $920,000 $115,000
    Over 8% 5 $185,000 $37,000

    During 2019, Oakstar Bank's average interest rate for loans was 3.98%, while their most frequently originated rate bucket for loans was 3-4%, with 917 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 642 $96,070,000 $149,642 $2,523 4.06%
    $200k-400k 576 $158,080,000 $274,444 $2,861 3.86%
    $100,000 or less 311 $20,385,000 $65,547 $1,864 5.01%
    $400k-600k 125 $57,375,000 $459,000 $3,751 3.88%
    $600k-1MM 25 $18,465,000 $738,600 $5,711 4.22%
    $1MM+ 12 $69,640,000 $5,803,333 $10,282 4.51%

    2019 saw Oakstar Bank place emphasis on $100k-200k loans with 642 originations, totaling $96,070,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 333 $81,005,000 $243,258 $2,887 4.05%
    $50k-75k 313 $50,245,000 $160,527 $2,622 4.23%
    $50k or less 296 $32,940,000 $111,284 $2,416 4.33%
    $75k-100k 247 $49,765,000 $201,478 $2,999 4.11%
    $150k-250k 176 $51,020,000 $289,886 $2,963 4.07%
    $250k+ 100 $30,820,000 $308,200 $2,933 4.39%

    Oakstar Bank lent most frequently to those with incomes in the $100k-150k range, with 333 originations. The second most popular income band? $50k-75k, with 313 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 378 $79,450,000 $210,185 $2,356 3.94%
    30-36% 280 $56,890,000 $203,179 $2,804 4.04%
    <20% 174 $29,110,000 $167,299 $2,160 4.25%
    37% 55 $10,935,000 $198,818 $2,415 4.10%
    40% 53 $11,755,000 $221,792 $3,268 4.25%
    39% 53 $11,105,000 $209,528 $2,820 4.12%
    41% 52 $11,300,000 $217,308 $3,141 3.90%
    38% 50 $10,490,000 $209,800 $2,411 4.16%
    43% 46 $9,030,000 $196,304 $3,100 4.16%
    36% 44 $8,970,000 $203,864 $2,914 3.98%
    42% 38 $7,140,000 $187,895 $2,695 4.17%
    44% 38 $7,800,000 $205,263 $2,807 4.15%
    45% 38 $8,340,000 $219,474 $2,993 4.03%
    50-60% 34 $8,020,000 $235,882 $5,586 4.14%
    46% 33 $7,175,000 $217,424 $3,241 4.14%
    47% 28 $6,130,000 $218,929 $3,453 4.08%
    48% 27 $6,435,000 $238,333 $3,227 3.82%
    49% 21 $4,385,000 $208,810 $2,775 4.11%
    >60% 1 $625,000 $625,000 $3,271 6.75%

    Oakstar Bank lent most frequently to those with DTI ratios of 20-30%, with 378 originations. The next most common DTI ratio? 30-36%, with 280 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,514 $316,720,000 $209,194 $2,695 4.08%
    Not applicable 103 $84,295,000 $818,398 $643 5.39%
    Asian 26 $6,770,000 $260,385 $3,005 4.01%
    Black 22 $5,780,000 $262,727 $3,743 4.30%
    Not provided 20 $5,330,000 $266,500 $2,780 4.00%
    American Indian 4 $630,000 $157,500 $2,685 4.28%
    Native Hawaiian or Islander 2 $490,000 $245,000 $3,816 3.38%

    Approval Rates

    Total approvals of all applications
    94.02%

    Oakstar Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    82.02%

    Oakstar Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    97.0 1 $15,000 $15,000
    NA 1,690 $420,000,000 $248,521

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 27 $73,525,000 $2,723,148
    Single Family (1-4 Units):Manufactured 25 $1,195,000 $47,800
    Single Family (1-4 Units):Site-Built 1,639 $345,295,000 $210,674

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 67 $8,065,000 $120,373 $1,953 4.75%
    40-60% 155 $28,585,000 $184,419 $2,340 4.15%
    60-80% 545 $163,625,000 $300,229 $2,247 4.27%
    80-100% 870 $209,010,000 $240,241 $2,947 4.03%
    Over 100% 34 $8,580,000 $252,353 $6,745 3.89%
    Under 20% 19 $1,785,000 $93,947 $1,311 5.93%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Oakstar Bank 101 North Maple Street Buffalo, MO 65622 Full Service B&M $1,034
    Oakstar Bank 1020 E Battlefield St Springfield, MO 65807 Full Service B&M $396,039
    Oakstar Bank 109 N. Main St Urbana, MO 65767 Full Service B&M $59,375
    Oakstar Bank 1108 South Ash Street Buffalo, MO 65622 Full Service B&M $28,521
    Oakstar Bank 117 North State Highway 5 Camdenton, MO 65020 Full Service B&M $112,997
    Oakstar Bank 1313 N. 2nd Street Clinton, MO 64735 Full Service B&M $35,278
    Oakstar Bank 1335 East Us Highway 54 Camdenton, MO 65020 Full Service B&M $3,436
    Oakstar Bank 14469 West Us Highway 54 Macks Creek, MO 65786 Full Service B&M $14,622
    Oakstar Bank 15774 North State Highway 5 Sunrise Beach, MO 65079 Full Service B&M $12,683
    Oakstar Bank 2128 Bagnell Dam Blvd. Lake Ozark, MO 65049 Full Service B&M $13,051
    Oakstar Bank 340 S Springfield Ave Bolivar, MO 65613 Full Service B&M $46,474
    Oakstar Bank 3620 East Sunshine Street Springfield, MO 65809 Full Service B&M $67,535
    Oakstar Bank 5127 Osage Beach Parkway Osage Beach, MO 65065 Full Service B&M $14,908
    Oakstar Bank U.S. Highway 54 And Lakeshore Drive Hermitage, MO 65668 Full Service B&M $68,005

    For 2019, Oakstar Bank had 14 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $45,185
    Net interest income $34,124
    Total noninterest income $14,812
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,036
    Trading account gains and fees $0
    Additional Noninterest Income $13,776
    Pre-tax net operating income $10,140
    Securities gains (or losses, -) $100
    Income before extraordinary items $8,890
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $8,890
    Minority interest net income $0
    Net income $8,890
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $8,803

    Oakstar Bank's gross interest income from loans was $45,185,000.
    Oakstar Bank's net interest income from loans was $34,124,000.
    Oakstar Bank's fee based income from loans was $1,036,000.
    Oakstar Bank's net income from loans was $8,890,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $11,061
    Provision for credit losses $2,639
    Total noninterest expense $36,157
    Salaries and employee benefits $24,132
    Premises and equipment expense $3,191
    Additional noninterest expense $8,834
    Applicable income taxes $1,350
    Net charge-offs $1,266
    Cash dividends $0

    Oakstar Bank's interest expense for loans was $11,061,000.
    Oakstar Bank's payroll and benefits expense were $24,132,000.
    Oakstar Bank's property, plant and equipment expenses $3,191,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 1.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $874,201
    Deposits held in domestic offices $874,201
    Deposits by Individuals, partnerships, and corporations $855,835
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $18,117
    Deposits by Commercial banks and other depository institutions in U.S. $249
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $347,610
    Demand deposits $170,279
    Nontransaction accounts $526,591
    Money market deposit accounts (MMDAs) $237,563
    Other savings deposits (excluding MMDAs) $81,152
    Total time deposits $207,876
    Total time and savings deposits $703,922
    Noninterest-bearing deposits $114,655
    Interest-bearing deposits $759,546
    Retail deposits $805,686
    IRAs and Keogh plan accounts $23,497
    Brokered deposits $22,421
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $995,772
    Cash & Balances due from depository institutions $24,819
    Interest-bearing balances $20,399
    Total securities $17,726
    Federal funds sold & reverse repurchase $0
    Net loans and leases $863,883
    Loan and leases loss allowance $10,833
    Trading account assets $0
    Bank premises and fixed assets $35,728
    Other real estate owned $1,363
    Goodwill and other intangibles $12,550
    All other assets $39,703

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $995,772
    Total Liabilities $881,567
    Total deposits $874,201
    Interest-bearing deposits $759,546
    Deposits held in domestic offices $874,201
    % insured (estimated) $82
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $7,366

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $863,883
    Loan and leases loss allowance $10,833
    Total loans and leases (domestic) $874,716
    All real estate loans $674,797
    Real estate loans in domestic offices $674,797
    Construction and development loans $80,727
    Residential 1-4 family construction $27,024
    Other construction, all land development and other land $53,703
    Loans secured by nonfarm nonresidential properties $199,200
    Nonfarm nonresidential secured by owner-occupied properties $110,524
    Commercial real estate & other non-farm, non-residential $88,676
    Multifamily residential real estate $56,179
    1-4 family residential loans $261,760
    Farmland loans $76,931
    Loans held in foreign offices $0
    Farm loans $19,076
    Commercial and industrial loans $157,003
    To non-U.S. addressees $0
    Loans to individuals $16,013
    Credit card loans $355
    Related Plans $1,578
    Consumer Auto Loans $7,547
    Other loans to individuals $6,533
    All other loans & leases $7,828
    Loans to foreign governments and official institutions $0
    Other loans $399
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $3,540
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $11,769
    Non 1-4 family restructured loans & leases $11,172
    Total loans and leases (foreign) $0

    Oakstar Bank had $863,883,000 of loans outstanding in 2019. $674,797,000 of loans were in real estate loans. $80,727,000 of loans were in development loans. $56,179,000 of loans were in multifamily mortgage loans. $261,760,000 of loans were in 1-4 family mortgage loans. $19,076,000 of loans were in farm loans. $355,000 of loans were in credit card loans. $7,547,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 325 $76,977 $236,852
    Nonfarm, nonresidential loans - <$100k 87 $3,662 $42,092
    Nonfarm, nonresidential loans - $100-250k 100 $13,017 $130,170
    Nonfarm, nonresidential loans - $250k-1MM 138 $60,298 $436,942
    Commercial & Industrial, US addressed loans - <$1MM 662 $70,128 $105,934
    Commercial & Industrial, US addressed loans - <$100k 408 $10,480 $25,686
    Commercial & Industrial, US addressed loans - $100-250k 112 $12,124 $108,250
    Commercial & Industrial, US addressed loans - $250k-1MM 142 $47,524 $334,676
    Farmland loans - <$1MM 310 $34,355 $110,823
    Farmland loans - <$100k 169 $6,012 $35,574
    Farmland loans - $100-250k 86 $11,496 $133,674
    Farmland loans - $250k-1MM 55 $16,847 $306,309
    Agriculture operations loans - <$1MM 406 $15,844 $39,025
    Agriculture operations loans - <$100k 351 $7,055 $20,100
    Agriculture operations loans - $100-250k 39 $4,214 $108,051
    Agriculture operations loans - $250k-1MM 16 $4,575 $285,938