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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

$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