Blue SKY Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Blue SKY Bank of Pawhuska, OK against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.05% | 1.34% | -0.29% | 31st below |
| ROAE | 10.82% | 12.34% | -1.52% | 37th below |
| Net Interest Margin | 4.42% | 3.83% | +0.59% | 86th top |
| Efficiency Ratio | 64.96% | 58.97% | +5.99% | 30th below |
| PPNR / Avg Assets | 1.52% | — | — | 36th below |
| Yield on Earning Assets | 6.75% | 5.71% | +1.04% | 93rd top |
| Cost of Funds | 2.49% | 2.02% | +0.47% | 21st bottom |
| Net Interest Spread | 3.76% | — | — | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.06% | 0.87% | +1.19% | 8th bottom |
| NPA / Total Assets | 2.55% | — | — | 4th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.43% | -0.37% | 40th below |
| ACL / Total Loans | 1.20% | — | — | 58th above |
| ACL / NPLs (Coverage) | 58.27% | — | — | 8th bottom |
| Texas Ratio | 27.69% | 5.48% | +22.21% | 1st bottom |
| Provision / NCO | 288.46% | — | — | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.08% | 11.11% | -2.03% | 13th bottom |
| Equity / Assets | 9.68% | 11.02% | -1.34% | 36th below |
| TCE / Tangible Assets | 8.32% | — | — | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.02% | 86.99% | +14.03% | 15th bottom |
| Core Deposit Ratio | 84.49% | 85.57% | -1.08% | 33rd below |
| Uninsured Deposit Ratio | 35.57% | 33.19% | +2.38% | 37th below |
| Wholesale Funding Ratio | 6.05% | — | — | 34th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.12% | — | — | 71st above |
| Loan Growth (Y/Y) | 11.33% | — | — | 76th top |
| Deposit Growth (Y/Y) | 4.23% | — | — | 45th below |
See Blue SKY Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Blue SKY Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Blue SKY Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Blue SKY Bank peer analysis.