BlastPoint's Banking Scorecard

Blue Sky Bank

$1B-$10B Specialty: Commercial OK FDIC cert 14899

Designations: ✓ Community bank

Pawhuska, OK

15 branches across OK · TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in OK.
Deposits +4.2% year over year ($1.1B on the books).
Delinquency rate 2.08%.
Return on assets 0.95%.
Efficiency ratio 65.34% vs a 59.73% peer average.
Loan-to-deposit ratio 99.81% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 21 in OK

View $1B-$10B leaderboard (OK) →

Blue Sky Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.58% above tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 38.7% in tier
- Delinquency Rate 1.22% above tier average
- Nonperforming Asset Ratio 1.87% above tier average
- ROA 0.45% below tier average
- Efficiency Ratio 5.61% above tier average

Get updates when Blue Sky Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$1.4B +9.1% YoY +1.2% QoQ	-$1.4B	$2.8B -0.6% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	26%
Total Loans ?	$1.1B +11.4% YoY +2.3% QoQ	-$841.6M	$2.0B -0.3% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	39%
Total Deposits ?	$1.1B +4.2% YoY -2.9% QoQ	-$1.2B	$2.3B -0.5% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	25%
Return on Assets ?	0.95% +27.6% YoY +11.9% QoQ	-0.45%	1.39% +17.0% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	26%
Net Interest Margin ?	4.45% -1.2% YoY +0.1% QoQ	+0.58%	3.87% +6.2% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	Top 14.5% in tier
Efficiency Ratio ?	65.34% -7.4% YoY -0.3% QoQ	+5.61%	59.73% -12.6% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	31%
Delinquency Rate ?	2.08% +57.9% YoY -23.5% QoQ	+1.22%	0.87% +11.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	Bottom 8.5% in tier
Loan-to-Deposit Ratio ?	99.81% +6.9% YoY +5.3% QoQ	+14.77%	85.04% -0.1% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	Bottom 14.9% in tier
Non-Interest-Bearing Deposit Share ?	18.49% -4.3% YoY -4.9% QoQ	-2.78%	21.27% -1.5% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	43%
Nonperforming Asset Ratio ?	2.55% +40.4% YoY -16.9% QoQ	+1.87%	0.67% +11.7% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	Bottom 4.1% in tier
Tier 1 Capital Ratio ?	9.08% +0.6% YoY +0.4% QoQ	-5.76%	14.84% -0.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	Bottom 0.8% in tier
Non-Interest Income / Assets ?	0.22% -14.0% YoY +82.4% QoQ	-0.31%	0.53% +2.5% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	34%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Noninterest-Bearing	18.5% -0.8pp YoY -1.0pp QoQ	-2.9pp	21.4%	23.9%	22.2%	42%
Brokered Deposits	10.9% -1.0pp YoY +0.9pp QoQ	+1.4pp	9.5%	9.7%	8.5%	71%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	31.4% -4.2pp YoY +2.0pp QoQ	+17.4pp	14.0%	15.7%	12.5%	92%
CRE	52.1% +0.6pp YoY -4.3pp QoQ	+2.1pp	50.0%	42.0%	41.4%	58%
1-4 Family	13.2% +4.7pp YoY +2.6pp QoQ	-13.2pp	26.4%	24.0%	31.3%	25%
Consumer	0.7% -0.3pp YoY 0.0pp QoQ	-4.0pp	4.7%	5.6%	5.0%	38%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	17.0%	19.7%	n/a
Leverage Ratio	9.1% +0.1pp YoY 0.0pp QoQ	-2.2pp	11.3%	11.7%	12.6%	13%
Total Capital Ratio	n/a	n/a	16.7%	18.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	160 -9 (-5.3%) YoY -3 (-1.8%) QoQ	-154	313	150	482	27%
Assets per Employee ($)	$8.5M +15.3% YoY +3.1% QoQ	-$2.0M	$10.5M	$6.5M	$8.8M	47%
Branch Count	15 -1 (-6.2%) YoY 0 QoQ	-5	20	8	18	50%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% +0.1pp YoY -0.3pp QoQ	-0.1pp	0.2%	0.9%	0.4%	72%
Nonaccrual	2.0% +0.7pp YoY -0.3pp QoQ	+1.2pp	0.8%	1.5%	1.0%	93%
Allowance Coverage	0.58x -41.6% YoY +30.7% QoQ	-18.13x	18.71x	61.99x	20.23x	8%
Net Charge-off Rate (YTD)	0.0% -0.9pp YoY +0.1pp QoQ	-0.3pp	0.3%	0.2%	0.2%	26%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	10.0% +2.3pp YoY +1.0pp QoQ	-2.6pp	12.6%	11.9%	11.6%	33%
Cost of Funds (YTD)	2.3% -0.4pp YoY 0.0pp QoQ	+0.4pp	1.9%	1.8%	1.7%	80%
Net Income ($, YTD)	$6.3M +38.9% YoY — QoQ	-$12.9M	$19.2M	$8.7M	$40.4M	18%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk

#87 of 222 • Bottom 38.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.08%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

129

Net Interest Margin

profitability

Value: 4.45%

Peer Median: 3.87%

#129 of 885 Top 14.5% in $1B-$10B

Top Weaknesses (4 metrics)

879

Tier 1 Capital Ratio

capital

Value: 9.08%

Peer Median: 14.84%

#879 of 885 Bottom 0.8% in $1B-$10B

850

Nonperforming Asset Ratio

credit_quality

Value: 2.55%

Peer Median: 0.67%

#850 of 885 Bottom 4.1% in $1B-$10B

808

Delinquency Rate

credit_quality

Value: 2.08%

Peer Median: 0.87%

#808 of 882 Bottom 8.5% in $1B-$10B

754

Loan-to-Deposit Ratio

liquidity

Value: 99.81%

Peer Median: 85.04%

#754 of 885 Bottom 14.9% in $1B-$10B