OakStar Bank: SBA Lending Record

$653.4 million in gross dollars sits behind OakStar Bank's 854 approved loans, FY2017 to FY2026. OakStar Bank is all SBA 7(a), with 854 loans and no 504 loans credited. OakStar Bank is listed by SBA as holder of 854 7(a) loans. 854 loans carry SBA's guarantee, not OakStar Bank's.

Where OakStar Bank loans sit

OakStar Bank ranks by loans as Full-service restaurant, 40, Automotive mechanical repair (car and truck), 25, Hotel and motel, 24, Fitness center, 24 and Gas station and truck stop, 19. OakStar Bank's largest group, 608 loans, fits no class. OakStar Bank's states by loans run Missouri, 706, Kansas, 92, Colorado, 17, Illinois, 8 and Indiana, 8.

OakStar Bank outcome floors

OakStar Bank: among FY2017 to FY2024 approvals, 8.4% were cancelled after approval, a floor. OakStar Bank upper bound: withheld under Loan Analytics' rule. OakStar Bank gets neither zero nor an estimate. 5.4% is the OakStar Bank charge-off floor. The cohort of 315 OakStar Bank loans was disbursed in FY2017 to FY2021. OakStar Bank charge-offs within five years of approval: 3.8%. OakStar Bank: read each rate as a floor.

OakStar Bank record and a borrower's study

40 loans of OakStar Bank fall in the Full-service restaurant class. OakStar Bank study must prove seating demand. For 40 Full-service restaurant loans, comparable sales stays open. OakStar Bank history says nothing on labour and food cost. 25 loans of OakStar Bank fall in the Automotive mechanical repair (car and truck) class. OakStar Bank study must prove technician supply. OakStar Bank: equipment spend remains open across 25 Automotive mechanical repair (car and truck) loans. OakStar Bank total of $653.4 million says nothing about any one site. OakStar Bank also has 608 loans in no tracked class. OakStar Bank: the project must carry the case. OakStar Bank: 706 loans in Missouri, each site needs local evidence. OakStar Bank should be asked directly what it needs. OakStar Bank shows 854 loans, not demand at any one site. OakStar Bank totals trail supply near the site. OakStar Bank study revenue assumptions need written support. OakStar Bank request needs build cost from quotes. OakStar Bank request: coverage holds on cautious revenue. An appraisal of the site itself supports value; OakStar Bank holdings do not. OakStar Bank study needs a downside case in writing. OakStar Bank: state assumptions, test coverage, support value. OakStar Bank carries $653.4 million in gross approvals on 854 loans. OakStar Bank equity belongs in the study.

OakStar Bank cancellation floors stop at FY2024 approvals. OakStar Bank totals add FY2025 and FY2026 approvals. OakStar Bank cohort: 315 loans disbursed in FY2017 to FY2021. OakStar Bank figures describe loans held, not lender practices. 854 loans cannot predict one new request to OakStar Bank. OakStar Bank withheld values are never zeros or estimates.