Blue SKY Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Blue SKY Bank. Based in Pawhuska, Oklahoma, it had $1.4 billion in assets at June 30, 2026, up 9.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.06% of loans from 1.30% a year earlier. It carries problem assets equal to 27.7% of the capital and reserves that would absorb them, 7.7 times the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. It also funds 9.08% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
Earnings jumped: net income for the quarter was $3.5 million, 61% above the same quarter a year earlier. Over the same year, loans grew 11.3% and deposits grew 4.2%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.1 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Blue SKY Bank reported a return on assets of 1.05%, a nonperforming-loan ratio of 2.29% and a Texas ratio of 27.69%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 101 E 8th St, Pawhuska, OK 74056
- County
- Osage
- Metro Area
- Tulsa, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 23, 1905
- Former names
- Citizens Bank of Oklahoma (2004-2016); NBC Bank (1991-2004)
- Offices
- 15 domestic
- Employees (FTE)
- 160
- Domestic deposits
- $1.12B
- Allowance for credit losses
- $13.6M
- Net charge-offs (YTD)
- $31K
- Average total assets
- $1.33B
- Average total loans
- $1.12B
- Average interest-bearing deposits
- $931.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 4, 1934
- FDIC Cert
- 14899
- Fed RSSD
- 517357
- Website
- www.bluesky.bank →
- Parent Holding Company
- N.B.C. BANCSHARES IN PAWHUSKA, INC. (RSSD 1065565)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Blue SKY Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Blue SKY Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Blue SKY Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Blue SKY Bank: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.08% | 1.05% | 2.29% | 27.69% | 4.42% |
| Q1 2026 | 9.04% | 0.85% | 2.59% | 33.74% | 4.41% |
| Q4 2025 | 9.13% | 1.28% | 1.09% | 18.26% | 5.12% |
| Q3 2025 | 9.08% | 1.08% | 1.64% | 19.84% | 4.55% |
| Q2 2025 | 9.02% | 0.71% | 1.68% | 20.31% | 4.49% |
| Q1 2025 | 9.07% | 0.78% | 1.68% | 20.92% | 4.32% |
| Q4 2024 | 9.35% | 1.13% | 1.33% | 18.15% | 4.71% |
| Q3 2024 | 9.51% | 2.61% | 0.70% | 15.34% | 4.84% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 15 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Tulsa Branch | Tulsa , OK | 74135 | $313.5M |
| Dallas Addison Branch | Addison , TX | 75001 | $133.0M |
| 2106 East Main Branch | Cushing , OK | 74023 | $119.1M |
| Weatherford Branch | Weatherford , OK | 73096 | $105.2M |
| Blue SKY Bank (main office) | Pawhuska , OK | 74056 | $82.3M |
| Ft Worth Branch | Ft Worth , TX | 76107 | $77.4M |
| Fairfax Branch | Fairfax , OK | 74637 | $52.7M |
| Boulder Branch | Tulsa , OK | 74103 | $52.6M |
| Stillwater Branch | Stillwater , OK | 74074 | $46.7M |
| Wagoner Branch | Wagoner , OK | 74467 | $36.9M |
| Cleveland Branch | Cleveland , OK | 74020 | $33.5M |
| Morrison Branch | Morrison , OK | 73061 | $30.6M |
| Cordell Branch | Cordell , OK | 73632 | $19.9M |
| Hinton Branch | Hinton , OK | 73047 | $18.7M |
| Cushing Broadway Branch | Cushing , OK | 74023 | $1.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 27, 2023 | M&A | Acquired First National Bank and Trust Company of Weatherford merger for the acquired bank | SEC |
| March 27, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 27, 2023 | Structure Change | Acquired First National Bank and Trust Company of Weatherford Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 16, 2022 | M&A | Acquired The American Bank merger for the acquired bank | SEC |
| May 16, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 16, 2022 | Structure Change | Acquired The American Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 15, 2020 | M&A | Acquired Bank of Cushing merger for the acquired bank | SEC |
| February 15, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 15, 2020 | Structure Change | Acquired Bank of Cushing Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
What the public regulatory sources show for Blue SKY Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (OCC)
- January 2, 1991, OCC: Capital Directive: National Bank of Commerce in Pawhuska
- June 26, 1990, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): National Bank of Commerce in Pawhuska
- Period: Most recent institution action January 2, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in OK, rank 27 of 194 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 77 applications, 37 loans originated, $120.2M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $206K approved, $103K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 4 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2023-Q2 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Blue SKY Bank
What are Blue SKY Bank's total assets?
As of the Q2 2026 filing, Blue SKY Bank reported total assets of $1.35 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Blue SKY Bank headquartered?
Blue SKY Bank is headquartered in Pawhuska, OK, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Blue SKY Bank founded?
Blue SKY Bank was established in 1905, per the FDIC institution directory.
Is Blue SKY Bank FDIC-insured?
Yes. Blue SKY Bank is an FDIC-insured commercial bank (FDIC Certificate #14899). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Blue SKY Bank?
Blue SKY Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Blue SKY Bank operate?
Blue SKY Bank operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Blue SKY Bank's Texas Ratio?
Blue SKY Bank's Texas Ratio is 27.69% in its Q2 2026 call report, between 25% and 50%, below the 50% level at which problem assets reach half of the capital cushion. The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Blue SKY Bank previously called?
The charter now named Blue SKY Bank has also operated as Citizens Bank of Oklahoma (2004-2016), NBC Bank (1991-2004), per FDIC structure-change records.
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