Oakstar Bank (FDIC #58115): Bank Stress & Real-Estate Credit Exposure
Oakstar Bank (FDIC Cert #58115): bank stress 61/100, elevated, STABLE over 7 days; parent OAKSTAR BANCSHARES INC.
Oakstar Bank (#58115) lends in 15 counties across 3 states; Oakstar Bank (#58115) reaches 258 ZIP codes: Missouri 9 counties, 123 ZIPs; Colorado 3 counties, 74 ZIPs; Kansas 3 counties, 61 ZIPs.
Oakstar Bank (#58115) largest markets: El Paso County, CO (47 branches, 47 ZIPs) (#58115), Johnson County, KS (70 branches, 35 ZIPs) (#58115), Greene County, MO (46 branches, 23 ZIPs) (#58115), Christian County, MO (21 branches, 21 ZIPs) (#58115), Jasper County, MO (19 branches, 19 ZIPs) (#58115), Mesa County, CO (19 branches, 19 ZIPs) (#58115).
Oakstar Bank (#58115) reports $3.29 billion in total assets; Oakstar Bank (#58115) equity $327.1 million (9.9% of Oakstar Bank (#58115) assets); Oakstar Bank (#58115) domestic deposits $2.85 billion; Oakstar Bank (#58115) net income $23.3 million; Oakstar Bank (#58115) return on assets 1.48%; Oakstar Bank (#58115) return on equity 14.62%; Oakstar Bank (#58115) net interest income $63.1 million; Oakstar Bank (#58115) call report June 30, 2026.
Oakstar Bank (#58115) noncurrent real-estate loans: none reported; Oakstar Bank (#58115) net charge-offs on real estate 0.44%; Oakstar Bank (#58115) residential charge-offs 0.23%.
Oakstar Bank (#58115) net interest margin 4.32% against an eight-quarter Oakstar Bank (#58115) average of 3.87% (Oakstar Bank (#58115) compression -0.45 points); Oakstar Bank (#58115) real-estate loans 0.3% of equity; Oakstar Bank (#58115) non-residential real estate 23.0% of equity; Oakstar Bank (#58115) rate-exposure score 40/100, Oakstar Bank (#58115) fixed-rate trap 40/100; Oakstar Bank (#58115) risk type credit driven; Oakstar Bank (#58115) rate regime rates elevated, Oakstar Bank (#58115) snapshot October 19, 2026.
Oakstar Bank (#58115) stress score moved from 59.7 on June 22, 2026 to 61.2 on October 19, 2026; Oakstar Bank (#58115) ranged 59.7 to 61.2 over 116 snapshots.
Oakstar Bank (#58115) alerts: 15 counties; top Oakstar Bank (#58115) alert scores: Clinton County, MO 42 (moderate); Bolivar County, MO 20 (low); Colorado Springs County, MO 20 (low); Grand Junction County, MO 20 (low); Hermitage County, MO 20 (low).