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Oakstar Bank Rates & Review March 2026

Item: Oakstar Bank
Rating: 5
Author: Anonymous

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 29, 2026

You can compare Oakstar Bank rates to other rates in our database, including 12-month CD rates currently at 3.25%, 6-month CD rates at 2.00% and 3-month CD rates at 0.75%. Savings rates are at 0.01% and money market rates are at 0.75%. Mortgage rates on 30-year fixed loans are around 5.85%. All these rates can be compared to Oakstar Bank rates. MonitorBankRates evaluates the financial stability of Oakstar Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.11%. Rates were last updated on 03/29/2026.

Oakstar Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Oakstar Bank? Share your experience about Oakstar Bank by leaving a review below, or read customer reviews before you decide to use Oakstar Bank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.11%

Excellent Lower than avg

Oakstar Bank

1020 E Battlefield St
Springfield, MO 65807

https://www.oakstarbank.com

Oakstar Bank Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	5.58%
Details The Annual Percentage Rate (APR) is variable and may be based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal. For any loan over 80% loan to value the APR base rate is 5.581%. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Oakstar Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Oakstar Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Oakstar Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Oakstar Bank

Bank Holding Company OAKSTAR BANCSHARES INC

Address 1020 E Battlefield St, Springfield, MO 65807 · Greene

Website https://www.oakstarbank.com

FDIC Certificate # 58115

Established 10/24/2005

FDIC Insurance Date 10/24/2005

Domestic Offices 28

Total Branches 28

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

5.11%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7155%

Return on Equity (ROE) 7.5900%

Non-Performing Loans (NPL) 0.33%

Total Assets $3,039,440,000

Total Deposits $2,684,428,000

Equity Capital $314,485,000

Net Income $34,623,000

Headquarters Springfield

Total Offices 28

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

Anonymous

★★★★★

September 10, 2025

Excellent bank. Best I’ve found in Springfield so I’m sure they are the same at other places.

Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for Oakstar Bank

Frequently Asked Questions About Oakstar Bank

Is Oakstar Bank a safe place to deposit money?

Yes, Oakstar Bank is considered a safe financial institution. With a Texas Ratio of 5.1121330169981%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Oakstar Bank operate?

Oakstar Bank currently maintains approximately 28 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Oakstar Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Oakstar Bank provides members with tools to manage their accounts and build a solid financial history.

Does Oakstar Bank offer online and mobile banking?

Most modern institutions like Oakstar Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.oakstarbank.com.