Blue SKY Bank
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Data as of · sourced from FFIEC call reports. How we update
Blue SKY Bank is an FDIC-insured commercial bank headquartered in Pawhuska, OK, established in 1905 (FDIC certificate 14899), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.35B, up 9.1% from Q2 2025, the 18th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.08% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 14899
- Headquarters
- Pawhuska, OK
- Established
- 1905
- Total assets, Q2 2026
- $1.35B
- Assets vs Q2 2025
- +9.1%
- Tier 1 leverage ratio, Q2 2026
- 9.08%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 103101877
- Latest call report
- Q2 2026, FFIEC 051 · Blue SKY Bank call report
- Holding company
- N.B.C. BANCSHARES IN PAWHUSKA, INC.
- Asset rank in state
- 18th of 169 in Oklahoma
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 2.06% and a Texas ratio of 27.69%. The figures come from its call report filed with the FFIEC.
Blue SKY Bank ranks as the 18th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.2% to $1.35B, loans rose 2.3% and deposits fell 2.9%. Commercial and industrial loans made up 31.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 21.6%. The FDIC Summary of Deposits lists 15 offices for it, in 13 cities across 2 states; its Tulsa 2 offices book 33% of its branch deposits. By the capital ratios in its Q2 2026 call report, Blue SKY Bank meets the community bank leverage ratio test for well capitalized.
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)
- Domestic offices
- 15 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Blue SKY Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Blue SKY Bank's total assets moved between a low of $1.06B (Q3 2023) and a high of $1.35B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.35B total assets against $1.24B; $1.22B total liabilities against $1.12B.
$1.12B net loans and leases against $1.01B; $1.12B total deposits against $1.08B.
$74.8M securities against $65.2M; $74.7M cash and balances due against $87.7M.
$21.2M total interest income against $20.9M; $7.3M total interest expense against $7.8M.
$13.9M net interest income against $13.1M.
$1.3M total noninterest income against $1.5M; $10.2M total noninterest expense against $10.9M.
$450K provision for credit losses against $800K.
$3.5M net income against $2.2M.
1.05% return on assets against 0.71%; 4.42% net interest margin against 4.49%.
9.08% tier 1 leverage ratio against 9.02%.
Inside the full Blue SKY Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 71 of 3,640, for Texas Ratio; its furthest is 2,382 of 3,611, for ROA.
Metric pages for Blue SKY Bank: Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.71% (Q2 2025) to 2.61% (Q3 2024) and its net interest margin ran from 4.32% (Q1 2025) to 5.12% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.08% | 1.05% | 2.06% | 27.69% | 4.42% |
| Q1 2026 | 9.04% | 0.85% | 2.69% | 33.74% | 4.41% |
| Q4 2025 | 9.13% | 1.28% | 0.76% | 18.26% | 5.12% |
| Q3 2025 | 9.08% | 1.08% | 1.30% | 19.84% | 4.55% |
| Q2 2025 | 9.02% | 0.71% | 1.30% | 20.31% | 4.49% |
| Q1 2025 | 9.07% | 0.78% | 1.35% | 20.92% | 4.32% |
| Q4 2024 | 9.35% | 1.13% | 1.13% | 18.15% | 4.71% |
| Q3 2024 | 9.51% | 2.61% | 0.81% | 15.34% | 4.84% |
Swipe the table sideways to see every column.
Branch Network
View all 15 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 192 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.
- Not on file
- CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Blue SKY Bank headquartered?
It is headquartered in Pawhuska, OK, United States.
When was Blue SKY Bank founded?
It was established in 1905, per the FDIC institution directory.
Is Blue SKY Bank FDIC-insured?
Yes. It 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.
How many branches does Blue SKY Bank operate?
It 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?
Its Texas Ratio is 27.69% in its Q2 2026 call report, within the healthy range (at or below 50%, the 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.
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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