Oakstar Bank Mortgage Rates, Fees & Info
Springfield, MOLEI: 549300ZX4OGRPOOEH505
Tax ID: 20-3405719
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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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 4/21/24 |
| 30 Year Conventional Purchase | 6.29% | 4/21/24 |
| 30 Year Conventional Refi | 4.32% | 4/21/24 |
| 30 Year Cash-out Refi | 6.86% | 4/21/24 |
| 30 Year FHA Purchase | 7.53% | 4/21/24 |
| 30 Year FHA Refi | 6.80% | 4/21/24 |
| 30 Year VA Purchase | 6.29% | 4/21/24 |
| 30 Year VA Refi | 6.04% | 4/21/24 |
| 30 Year USDA Purchase | 6.95% | 4/21/24 |
| 15 Year Conventional Purchase | 6.35% | 4/21/24 |
| 15 Year Conventional Refi | 6.53% | 4/21/24 |
| 15 Year Cash-out Refi | 6.53% | 4/21/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,691Origination Dollar Volume (All Markets)
$420,015,000Employee count
251Awards
Oakstar Bank - 2019
Oakstar Bank is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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Top Markets
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% |
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Product Mix
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
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
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
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
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
2019 saw Oakstar Bank place emphasis on $100k-200k loans with 642 originations, totaling $96,070,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications94.02%
Oakstar Bank has an average approval rate.
Pick Rate
Approvals leading to origination82.02%
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
LTV Distribution
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 |