BlastPoint's Banking Scorecard
Blue Sky Bank
Designations: ✓ Community bank
Pawhuska, OK
15 branches across OK · TX
Blue Sky Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.63% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 32.6% in tier
- - Liquidity Strain: Bottom 42.2% in tier
- - Delinquency Rate 1.84% above tier average
- - Nonperforming Asset Ratio 2.39% above tier average
- - ROA 0.52% below tier average
- - Efficiency Ratio 4.49% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+8.0% YoY
+2.2% QoQ
|
-$1.5B |
$2.8B
-0.1% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
25% |
| Total Loans ? |
$1.1B
+7.6% YoY
+2.2% QoQ
|
-$868.3M |
$2.0B
+0.6% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
38% |
| Total Deposits ? |
$1.2B
+6.9% YoY
-0.6% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
27% |
| Return on Assets ? |
0.85%
+9.1% YoY
-10.9% QoQ
|
-0.52% |
1.37%
+19.6% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
23% |
| Net Interest Margin ? |
4.44%
+0.9% YoY
-4.6% QoQ
|
+0.63% |
3.82%
+6.9% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
Top 13.3% in tier |
| Efficiency Ratio ? |
65.55%
-3.9% YoY
-4.4% QoQ
|
+4.49% |
61.06%
-4.6% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
32% |
| Delinquency Rate ? |
2.72%
+99.6% YoY
+252.8% QoQ
|
+1.84% |
0.89%
+14.1% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 5.9% in tier |
| Loan-to-Deposit Ratio ? |
94.78%
+0.6% YoY
+2.7% QoQ
|
+10.58% |
84.20%
+0.3% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
19.45%
-1.3% YoY
-2.0% QoQ
|
-1.84% |
21.29%
-2.5% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
48% |
| Nonperforming Asset Ratio ? |
3.07%
+65.0% YoY
+97.1% QoQ
|
+2.39% |
0.67%
+15.6% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 2.5% in tier |
| Tier 1 Capital Ratio ? |
9.04%
-0.3% YoY
-0.9% QoQ
|
-6.12% |
15.16%
+2.0% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 0.8% in tier |
| Non-Interest Income / Assets ? |
0.12%
-9.3% YoY
-73.6% QoQ
|
-0.14% |
0.26%
+1.6% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
40% |
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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 (0)
Concerns (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.