GOOD
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
FAIR
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
1,216
2010–2026
Total Volume
$859M
Gross loan amounts
States Active
18
With recorded loans
Programs
7(a) & 504
1216 total segments
OakStar Bank has a strong focus on existing businesses, with 48% of their deals supporting established companies. This could be beneficial if you're looking to expand or refinance an existing operation.
With an average 7(a) spread of P+2.40%, OakStar Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
The lender has experienced a significant decline in deal volume, down 22% year-over-year. This trend may indicate a tighter lending environment, making it essential to present a strong application.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 65 504 loans, which use fixed SBA debenture rates.
Top 15 of 18 states where OakStar Bank has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Hotels & Accommodation
Accommodation & Food Services
Transportation & Warehousing
Transportation & Warehousing
Wholesale Trade
Wholesale Trade
Auto Repair & Maintenance
Other Services
Administrative & Waste Services
Administrative & Waste Services
+ 7 more
All recorded SBA lending activity for OakStar Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Missouri · Transportation & Warehousing · Under $150K | 7(a) | 34 | P+2.75% | $73K | Q3 2025 |
| Missouri · Restaurants & Food Service · Under $150K | 7(a) | 27 | P+2.75% | $100K | Q4 2024 |
| Missouri · Administrative & Waste Services · Under $150K | 7(a) | 25 | P+2.75% | $80K | Q3 2025 |
| Missouri · Manufacturing · Under $150K | 7(a) | 25 | P+2.75% | $105K | Q2 2025 |
| Missouri · Specialty Trade Contractors · Under $150K | 7(a) | 23 | P+2.75% | $70K | Q4 2025 |
| Missouri · Auto Repair & Maintenance · Under $150K | 7(a) | 23 | P+2.75% | $84K | Q3 2025 |
| Missouri · Restaurants & Food Service · $150K – $350K | 7(a) | 21 | P+2.75% | $254K | Q2 2025 |
| Missouri · Specialty Trade Contractors · $150K – $350K | 7(a) | 18 | P+2.75% | $263K | Q1 2025 |
| Missouri · Manufacturing · $150K – $350K | 7(a) | 15 | P+2.75% | $252K | Q2 2025 |
| Illinois · Restaurants & Food Service · $150K – $350K | 7(a) | 15 | P+2.75% | $256K | Q2 2017 |
| Missouri · Manufacturing · $500K – $1M | 7(a) | 15 | P+2.75% | $728K | Q1 2025 |
| Missouri · Food & Beverage Stores · Under $150K | 7(a) | 13 | P+2.75% | $69K | Q4 2025 |
| Missouri · Administrative & Waste Services · $150K – $350K | 7(a) | 11 | P+2.75% | $226K | Q4 2024 |
| Missouri · Restaurants & Food Service · $500K – $1M | 7(a) | 11 | P+2.75% | $648K | Q4 2025 |
| Missouri · Wholesale Trade · Under $150K | 7(a) | 10 | P+2.50% | $121K | Q4 2024 |
| Illinois · Restaurants & Food Service · $350K – $500K | 7(a) | 10 | P+2.75% | $407K | Q3 2015 |
| Missouri · Transportation & Warehousing · $500K – $1M | 7(a) | 10 | P+2.75% | $778K | Q2 2024 |
| Missouri · Retail Trade · Under $150K | 7(a) | 10 | P+2.75% | $76K | Q2 2025 |
| Missouri · Manufacturing · $350K – $500K | 7(a) | 10 | P+2.75% | $444K | Q3 2024 |
| Missouri · Wholesale Trade · $2M – $5M | 7(a) | 10 | P+1.70% | $3.0M | Q3 2021 |
| Missouri · Social Assistance · Under $150K | 7(a) | 9 | P+2.75% | $112K | Q4 2025 |
| Missouri · Auto Repair & Maintenance · $150K – $350K | 7(a) | 9 | P+2.75% | $256K | Q1 2025 |
| Missouri · Agriculture & Forestry · Under $150K | 7(a) | 9 | P+2.25% | $70K | Q2 2024 |
| Missouri · Real Estate · Under $150K | 7(a) | 9 | P+2.75% | $90K | Q4 2024 |
| Missouri · Arts, Entertainment & Recreation · Under $150K | 7(a) | 9 | P+2.75% | $95K | Q3 2025 |
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