OakStar Bank, National Association

OakStar Bank, National Association is headquartered in Springfield and is the 110^st largest bank in the state of Missouri. It is also the 3,102^nd largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 58 employees at 1 location. OakStar Bank, National Association's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

OakStar Bank, National Association Checking Account Rates

OakStar Bank, National Association Savings Account Rates

OakStar Bank, National Association Money Market Rates

OakStar Bank, National Association CD Rates

Data for Q1 2012

Institution Statistics OakStar Bank, National Association FDIC Certificate # 58115 BankRate Report View Year Established 2005 Employees 58 Primary Regulator OCC Assets and Liabilities Assets $201.15 million Loans $151.52 million Deposits $165.38 million Equity Capital $22.21 million Loan Loss Allowance $2.75 million Unbacked Noncurrent Loans $1.24 million Real Estate Owned $2.11 million Historic Data - March 2011 Assets $165.49 million Equity Capital $19.08 million Loan Loss Allowance $2.59 million Unbacked Noncurrent Loans $2.64 million Real Estate Owned $1.65 million Profit Margin - Quarterly Net Interest Margin 3.79% Return on Assets 1.68% Return on Equity 15.07% Interest Income $2.03 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 OakStar Bank, National Association had $3.35 million in non-current loans and owned real-estate with $24.96 million in equity and loan loss allowances on hand to cover it. This gives OakStar Bank, National Association a Texas Ratio of 13.43% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for OakStar Bank, National Association decreased significantly from 23.78% as of March 31, 2011 to 13.43% as of March 31, 2012, resulting in a positive change of 43.54%.This indicates that the balance sheet and financial strength for OakStar Bank, National Association has improved significantly in recent periods. Deposit Growth In the past year, OakStar Bank, National Association has increased its total deposits by $27.15 million, resulting in 19.64% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth OakStar Bank, National Association has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. OakStar Bank, National Association has $201.15 million in assets with $24.96 million in equity, resulting in a capitalization level of 12.41%, which is excellent.

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