Blue SKY Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) dropped 42.17 percentage points in Q2 2026, from 355.32% to 313.15%. It was the largest change from Q1 2026 among the key lines here. Among 169 Oklahoma banks, Blue SKY Bank sits 14th from the top on loan-to-deposit ratio, 101.02% as of Q2 2026. Blue SKY Bank reported 101.02% on loan-to-deposit ratio for Q2 2026, 12.81 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.14B |
| Net loans and leases | $1.12B |
| Loans held for sale | $0 |
| Loans to total assets | 83.91% |
| Loan-to-deposit ratio | 101.02% |
| Net loans to equity capital | 8.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.45% |
| Multifamily (5+ residential) | 6.80% |
| Commercial and industrial | 31.06% |
| Consumer | 0.71% |
| Credit cards | 0.00% |
| Farm | 1.58% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.05% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 313.15% |
| Construction concentration (Tier 1 capital + allowance) | 70.36% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.14% |
| Interest income on loans | $20.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $850.0M | $938.0M | 36.13% | 31.85% | 1.31% |
| Q4 2023 | $923.3M | $994.2M | 36.95% | 31.77% | 1.32% |
| Q1 2024 | $920.4M | $992.5M | 38.54% | 31.32% | 1.25% |
| Q2 2024 | $964.9M | $1.03B | 37.03% | 32.47% | 1.27% |
| Q3 2024 | $982.8M | $1.02B | 38.30% | 33.69% | 1.27% |
| Q4 2024 | $990.1M | $1.05B | 36.51% | 35.30% | 1.14% |
| Q1 2025 | $1.03B | $1.08B | 35.03% | 37.58% | 1.05% |
| Q2 2025 | $1.02B | $1.08B | 38.50% | 35.12% | 1.03% |
| Q3 2025 | $1.02B | $1.06B | 36.34% | 35.74% | 0.96% |
| Q4 2025 | $1.09B | $1.16B | 42.52% | 30.54% | 0.82% |
| Q1 2026 | $1.11B | $1.16B | 40.06% | 29.05% | 0.74% |
| Q2 2026 | $1.14B | $1.12B | 36.45% | 31.06% | 0.71% |
Blue SKY Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Blue SKY Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Blue SKY Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14899) · FFIEC NIC profile (RSSD 517357)