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OakStar Bank

Headquartered in Springfield, MOoakstarbank.com$3.1B in assetsFounded 200527 officesData: SBA 7(a) FOIA file

Loans
47

#51 of 249 by loans, FY2025 to FY2026 Q3

Approved
$61M

gross approvals

Median deal
$918,000

national $709,300

Median rate
9.25%

national 9.25% at approval

Loans per fiscal year

FY2026 is partial: 22 loans approved through June 30, 2026.

Loans per fiscal year
Fiscal yearLoans
FY202013
FY202119
FY202212
FY202312
FY202423
FY202525
FY2026 (partial year, through June 30, 2026)22

How they lend

Across 47 change-of-ownership loans, FY2025 to FY2026 Q3.

Acquisition share of their 7(a) lending

Acquisitions 126 (19.8%)Other purposes 512 (80.2%)

Their full 7(a) book since FY2020 is 638 loans. Every other figure on this page counts the 126 acquisition loans only.

Initial rate structure

Variable 95.74%Fixed 4.26%

Middle half of rates
8.75% to 9.88%
Typical margin over Prime
Prime + 2.00% at approval (45 variable loans)
Recent median rate
8.75% (n = 17, Jan 1 to Jun 30, 2026)
Median term
120 months
Collateral reported
100.00% of loans
Sold on the secondary market
6.38% of loans
Franchise loans
8.51% of loans
Approval to first disbursement
15 days (n = 37)

Processing method

Preferred Lenders Program
93.62%
7(a) WCP
2.13%
7a General
2.13%
SBA Express Program
2.13%

SBA processing-method labels as they appear in the loan file, as shares of this lender’s window loans.

What they fund

Industries and deal sizes across 47 change-of-ownership loans, FY2025 to FY2026 Q3.

Top industries

Retail Trade
34.04%
Professional, Scientific, and Technical Services
12.77%
Accommodation and Food Services
10.64%
Health Care and Social Assistance
8.51%
Manufacturing
8.51%

Deal size mix

Under $350K 19.15%$350K to $1M 36.17%$1M to $3.5M 38.30%$3.5M+ 6.38%

Sectors from each loan’s NAICS code; deal sizes from gross approval amounts. Window loans only.

Where they lend

Top states by this lender’s change-of-ownership loans, FY2025 to FY2026 Q3.

Grouped by ProjectState. State names link to the state lender pages where one exists.

Run a deal at these rates

The deal analyzer prices an acquisition with current SBA terms and shows whether the numbers cover the debt.

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Every 7(a) acquisition lender in the country, searchable and sortable, with loan counts, medians, and rates.

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Source: SBA 7(a) FOIA file, change-of-ownership loans for OakStar Bank. Window stats cover FY2025 to FY2026 Q3, as of June 30, 2026, and refresh with each quarterly cut. Rates and rate quartiles are the rates at approval. Website, headquarters, assets, founding year, and office count come from the FDIC BankFind Suite API and, for credit unions, the NCUA Credit Union Locator (public US government data). Methodology. See an error? Email us and we will correct it.