Blue SKY Bank: Texas Ratio
Data as of · sourced from FFIEC call reports. How we update
Blue SKY Bank reported a Texas ratio of 27.69% as of Q2 2026, ranking #72 of 3,643 U.S. banks (98th percentile). That is up 7.38 percentage points from 20.31% a year earlier, and above the 3.63% median of the 873 Large Community Banks ($1B–$10B in assets). The Texas Ratio is the most-cited bank failure indicator. A ratio above 100% historically correlates with elevated failure risk.
12-Quarter Trend
National Context
What is the Texas Ratio?
The Texas Ratio compares a bank's problem assets (nonaccrual and 90-day past due loans, net of government guarantees, plus other real estate owned) to its loss-absorbing capacity (tangible equity plus loan loss reserves). Coined during the 1980s Texas banking crisis, it remains the single most widely cited bank failure indicator.
Under 25%: healthy. 25-50%: above most banks (the median bank is near 3%) but below the 50% level at which problem assets reach half of the capital cushion. 50-100%: watch, problem assets exceed half of loss-absorbing capacity. Over 100%: elevated failure risk; the bank's bad assets exceed its capacity to absorb them. The ratio should be read against trend. A stable 70% is different from a quickly rising 60%.
Full definition & formula →Frequently asked questions
What is Blue SKY Bank's Texas Ratio?
Blue SKY Bank's Texas Ratio was 27.69% as of Q2 2026, ranking #72 of 3,643 U.S. banks.
What is the Texas Ratio?
The Texas Ratio compares a bank's problem assets (nonaccrual and 90-day past due loans, net of government guarantees, plus other real estate owned) to its loss-absorbing capacity (tangible equity plus loan loss reserves). Coined during the 1980s Texas banking crisis, it remains the single most widely cited bank failure indicator.
More Blue SKY Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Blue SKY Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 14899) · FFIEC NIC profile (RSSD 517357)