OakStar Bank
OakStar Bank operates across Missouri, Kansas, and Colorado offering personal and business banking services including checking, savings, loans, mortgages, digital banking, and investment services through community relationships. 28 locations with 414 employees.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (60 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
OakStar Bank ranks #55 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of OakStar Bank’s 7(a) acquisition lending falls in the $0-$500K range: 18 loans, 30.0% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 18 | 30.0% | |
| $500K-$1M | 18 | 30.0% | |
| $1M-$2M | 13 | 21.7% | |
| $2M-$3M | 6 | 10.0% | |
| $3M-$4M | 2 | 3.3% | |
| $4M-$5M | 3 | 5.0% |
Industries with highest loan volume
Gasoline Stations with Convenience Stores
5
loans
$1.3M
avg. amount
Offices of Certified Public Accountants
5
loans
$966K
avg. amount
Full-Service Restaurants
3
loans
$371K
avg. amount
Offices of Dentists
2
loans
$885K
avg. amount
Flooring Contractors
2
loans
$2.3M
avg. amount
Other Building Material Dealers
2
loans
$824K
avg. amount
Car Washes
2
loans
$487K
avg. amount
All Other Specialty Trade Contractors
2
loans
$436K
avg. amount
Beer, Wine, and Liquor Retailers
2
loans
$750K
avg. amount
Plumbing, Heating, and Air-Conditioning Contractors
2
loans
$591K
avg. amount
10-Year
0.8%
Percentile Ranking
83th
83th percentile
OakStar Bank’s median variable rate is + 2.13%, against a market median of Prime + 1.88%, 25 above market.
It priced below the market median in 0 of the last 8 quarters.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.36% |
| $500K-$1M | Prime + 2.32% |
| $1M-$2M | Prime + 2.37% |
| $2M-$3M | Prime + 1.92% |
| $3M-$4M | Prime + 2.38% |
| $4M-$5M | Prime + 2.33% |
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q4 '23 | Prime + 2.00% | Prime + 2.00% | Prime + 1.42% – Prime + 2.50% | 5 |
| Q1 '24 | Prime + 2.00% | Prime + 2.00% | Prime + 1.48% – Prime + 2.50% | 3 |
| Q3 '24 | Prime + 2.25% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 3 |
| Q4 '24 | Prime + 3.00% | Prime + 2.25% | Prime + 1.50% – Prime + 2.75% | 6 |
| Q2 '25 | Prime + 2.13% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 6 |
| Q3 '25 | Prime + 2.25% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 4 |
| Q1 '26 | Prime + 2.38% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 4 |
| Q2 '26 | Prime + 2.00% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 5 |
OakStar Bank has originated 7(a) acquisition loans in 5 states, most actively in Missouri (35), Kansas (17) and Colorado (5). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| Missouri | 35 | 58.3% |
| Kansas | 17 | 28.3% |
| Colorado | 5 | 8.3% |
| Oklahoma | 2 | 3.3% |
| Iowa | 1 | 1.7% |
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