Call reports 2025
OAKSTAR BANK — 2025
What OAKSTAR BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,879,681,000 | 2,976,580,000 | 2,970,564,000 | 3,039,440,000 |
| Total loans | 2,539,543,000 | 2,623,764,000 | 2,646,746,000 | 2,712,195,000 |
| Allowance for loan losses | 31,230,000 | 33,054,000 | 33,898,000 | 33,553,000 |
| Securities available for sale | 98,434,000 | 96,817,000 | 102,536,000 | 101,833,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,556,651,000 | 2,651,859,000 | 2,632,544,000 | 2,684,428,000 |
| Interest-bearing deposits | 2,225,070,000 | 2,307,359,000 | 2,290,664,000 | 2,350,439,000 |
| Noninterest-bearing deposits | 331,581,000 | 344,500,000 | 341,880,000 | 333,989,000 |
| Equity capital | 291,178,000 | 298,187,000 | 308,527,000 | 314,485,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 42,624,000 | 87,952,000 | 135,027,000 | 182,397,000 |
| Interest expense | 17,863,000 | 36,228,000 | 54,993,000 | 72,484,000 |
| Net interest income | 24,761,000 | 51,724,000 | 80,034,000 | 109,913,000 |
| Noninterest income | 4,921,000 | 8,821,000 | 12,600,000 | 16,303,000 |
| Noninterest expense | 18,434,000 | 37,038,000 | 55,612,000 | 75,457,000 |
| Provision for loan losses | 870,000 | 3,694,000 | 5,977,000 | 7,349,000 |
| Pretax income | 10,506,000 | 19,255,000 | 30,995,000 | 43,512,000 |
| Income tax | 2,329,000 | 4,265,000 | 6,768,000 | 8,889,000 |
| Net income | 8,177,000 | 14,990,000 | 24,227,000 | 34,623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 275,488,000 | 280,693,000 | 290,446,000 | 296,239,000 |