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
Unfavorable gap of $34.9M · efficiency ratio beats 27% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.93% | 1.26% | 1.54% | Beats 25% | 132 / 176 | |
| Return on Equity | 9.62% | 9.26% | 11.89% | 14.46% | Beats 29% | 125 / 176 | |
| Net Interest Margin | 4.19% | 3.25% | 3.59% | 3.93% | Beats 88% | 22 / 176 | |
| Efficiency Ratio | 67.00% | 52.79% | 59.55% | 67.66% | Beats 27% | 129 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.06% | 0.30% | 0.64% | 1.32% | Beats 7% | 164 / 176 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.10% | Beats 68% | 58 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 9.08% | 11.15% | 12.72% | 14.15% | Beats 0% | 176 / 176 | |
| Total Risk-Based Capital Ratio | 9.08% | 11.81% | 13.63% | 15.33% | Beats 0% | 176 / 176 | |
| Equity / Assets | 9.68% | 9.16% | 10.35% | 11.80% | Beats 34% | 117 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 101.02% | 80.94% | 89.73% | 97.21% | 86th pctl | 24 / 176 | |
| Loans / Assets | 83.91% | 69.25% | 75.12% | 80.82% | 89th pctl | 19 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |