OakStar Bank
Headquartered in SPRINGFIELD, MO. Analysis based on 590 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $449.1M.
Total 7(a) loans
590
Total approved
$449.1M
Average loan
$761K
States funded in
7
Charge-off rate
0.97%
FY2020–FY2023 cohort
Paid-in-full rate
30.74%
Average rate
8.46%
Average term
176 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 27 |
| 713940 | Fitness and Recreational Sports Centers | 21 |
| 721110 | Hotels (except Casino Hotels) and Motels | 17 |
| 811111 | General Automotive Repair | 13 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 12 |
| 621210 | Offices of Dentists | 11 |
| 541211 | Offices of Certified Public Accountants | 11 |
| 722513 | Limited-Service Restaurants | 11 |
| 484110 | General Freight Trucking, Local | 9 |
| 238910 | Site Preparation Contractors | 9 |
Top 10 states
| State | Loans |
|---|---|
| MO | 500 |
| KS | 57 |
| CO | 16 |
| AR | 7 |
| OK | 5 |
| IA | 4 |
| CA | 1 |
Top franchise brands financed
35 franchise loans across 25 distinct brands.
| Franchise | Loans |
|---|---|
| Cold Stone Creamery | 3 |
| Sylvan Learning Centers | 3 |
| Super 8 by Wyndhan | 3 |
| World Fuel Services, Inc. d/b/ | 3 |
| Dunkin' Donut/Baskin-Robbins C | 2 |
| Scooter's Coffee | 2 |
| Red Roof Inn | 1 |
| Sugaring NYC | 1 |
| MaxStrength Fitness | 1 |
| Smoothie King | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.