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Blue Sky Bank

Pawhuska, OK · Cert 14899 · N B C Bancshares Pawhuska Inc.

State charter, Fed member · FED · 15 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

11

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

14

Q2 2024Q2 2026peer median

Efficiency

27

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Blue Sky Bank

Pawhuska, OK · Cert 14899 · N B C Bancshares Pawhuska Inc.

State charter, Fed member · FED · 15 branches

Q2 2026

$1.4BAssets
$1.1BLoans
$1.1BDeposits
$131.0MEquity
Loan mix
69%RE $753.3M30%C&I $322.4M1%Consumer $8.3MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $916.0M18%Noninterest $207.8MQ2 2025Q2 2026

NIM

7.01%Q2 ’246.61%Q2 ’256.31%Q2 ’26-4%+0%

Non-interest income vs. expense

3.28%Q2 ’243.35%Q2 ’253.06%Q2 ’26+23%-8%

Market Position · Tulsa, OK · 2026 SOD (annual) · 1.5% share · #16 of 59 inst. · $0.6B of $39.3B

1.1% Tulsa
7.4% Payne
21.5% Osage
0.0% Dallas

Executive Summary

  • Earnings: ROA of 0.95%, up 20 bps year over year; NIM at 4.19%.
  • Asset quality: problem loans at 2.06% of loans (+76 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.08%, up 6 bps from a year ago.
  • Funding: loans stand at 101.02% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.95%+20 bps YoY

Net Interest Margin (YTD, annualized)

4.19%+2 bps YoY

Efficiency Ratio (YTD, annualized)

65.34%-525 bps YoY

Tier 1 Leverage Ratio

9.08%+6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.86%0.95%0.85%0.95%+20 bps
Return on Equity7.70%8.83%9.90%8.99%9.96%+226 bps
Net Interest Margin4.17%4.28%4.40%4.22%4.19%+2 bps
Efficiency Ratio70.59%69.03%68.54%65.55%65.34%-525 bps
Non-Interest Burden2.84%2.86%2.91%2.63%2.62%-22 bps
Growth
Asset Growth (YoY)7.26%2.54%9.66%7.99%9.12%+185 bps
Loan Growth (YoY)5.68%3.74%9.60%7.43%11.33%+566 bps
Deposit Growth (YoY)4.43%3.62%10.52%6.94%4.23%-20 bps
Asset Quality
Nonperforming Loans / Loans1.30%1.30%0.76%2.69%2.06%+76 bps
Net Charge-Offs / Loans0.90%0.60%0.62%-0.05%0.01%-89 bps
Allowance / Loans1.30%1.34%1.10%1.20%1.20%-10 bps
Allowance Coverage of NPLs1.0x1.0x1.4x0.4x0.6x-0.4x
Capital
Tier 1 Leverage Ratio9.02%9.08%9.13%9.04%9.08%+6 bps
Total Risk-Based Capital9.02%9.08%9.13%9.04%9.08%+6 bps
Equity / Assets9.57%9.89%9.18%9.61%9.68%+11 bps
Liquidity & Funding
Loans / Deposits94.57%96.30%93.28%95.94%101.02%+645 bps
Liquid Assets / Assets5.43%2.54%4.78%5.69%4.76%-66 bps
CRE / Total Capitaln/a463%540%530%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Blue Sky Bank

Pawhuska, OK · Cert 14899 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · N B C Bancshares Pawhuska Inc.

State charter, Fed member · FED · 15 branches

Q2 2026

$1.4BAssets
$1.1BLoans
$1.1BDeposits
$131.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 88% of banks $1B-$10B in assets operating regionally (rank 22 of 176).
  • Widest gap: total risk-based capital ratio trails 100% of banks $1B-$10B in assets operating regionally (rank 176 of 176).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.93%

Rank 132 of 176

Net Interest Margin

4.19%

Rank 22 of 176

Efficiency Ratio

67.00%

Rank 129 of 176

Equity / Assets

9.68%

Rank 117 of 176

Non-interest income vs. expense

$5.9M$40.8MINCOMEEXPENSE
Unfavorable gap of $34.9M · efficiency ratio beats 27% of banks $1B-$10B in assets operating regionally
Bank 67.00%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.93%0.93%1.26%1.54%Beats 25%132 / 176
Return on Equity9.62%9.26%11.89%14.46%Beats 29%125 / 176
Net Interest Margin4.19%3.25%3.59%3.93%Beats 88%22 / 176
Efficiency Ratio67.00%52.79%59.55%67.66%Beats 27%129 / 176
Asset Quality
Nonperforming Loans / Loans2.06%0.30%0.64%1.32%Beats 7%164 / 176
Net Charge-Offs / Loans0.01%0.01%0.04%0.10%Beats 68%58 / 176
Capital
Tier 1 Capital Ratio9.08%11.15%12.72%14.15%Beats 0%176 / 176
Total Risk-Based Capital Ratio9.08%11.81%13.63%15.33%Beats 0%176 / 176
Equity / Assets9.68%9.16%10.35%11.80%Beats 34%117 / 176
Liquidity & Funding
Loans / Deposits101.02%80.94%89.73%97.21%86th pctl24 / 176
Loans / Assets83.91%69.25%75.12%80.82%89th pctl19 / 176
Brokered Deposits / Depositsn/aNot reported for this institution