Blue SKY Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 13.68 percentage points higher than in Q1 2026, at 58.27%. Within Oklahoma, Blue SKY Bank is 120th of 169 on return on assets, 1.05% as of Q2 2026. Blue SKY Bank reported 1.05% on return on assets for Q2 2026, 0.22 points below the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.08% |
| Equity capital to assets | 9.68% |
| Tangible equity to tangible assets | 8.32% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.06% |
| Non-performing assets ratio | 2.55% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 27.69% |
| Allowance for credit losses to loans | 1.20% |
| Reserve coverage of non-performing loans | 58.27% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.05% |
| Return on equity | 10.82% |
| Net interest margin | 4.42% |
| Efficiency ratio | 64.96% |
| Yield on earning assets | 6.75% |
| Cost of funds | 2.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.02% |
| Core deposits to total deposits | 84.49% |
| Brokered deposits to total deposits | 10.87% |
| Deposits to assets | 83.07% |
| Securities to assets | 5.53% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.19% | 1.51% | 4.86% | 1.04% | 0.16% |
| Q4 2023 | 9.20% | 3.14% | 5.64% | 0.97% | 0.00% |
| Q1 2024 | 9.03% | 2.18% | 4.51% | 0.69% | -0.02% |
| Q2 2024 | 9.05% | 1.67% | 4.64% | 1.55% | -0.01% |
| Q3 2024 | 9.51% | 2.61% | 4.84% | 0.81% | -0.01% |
| Q4 2024 | 9.35% | 1.13% | 4.71% | 1.13% | 0.03% |
| Q1 2025 | 9.07% | 0.78% | 4.32% | 1.35% | 1.31% |
| Q2 2025 | 9.02% | 0.71% | 4.49% | 1.30% | 0.49% |
| Q3 2025 | 9.08% | 1.08% | 4.55% | 1.30% | 0.00% |
| Q4 2025 | 9.13% | 1.28% | 5.12% | 0.76% | 0.84% |
| Q1 2026 | 9.04% | 0.85% | 4.41% | 2.69% | -0.05% |
| Q2 2026 | 9.08% | 1.05% | 4.42% | 2.06% | 0.06% |
Blue SKY Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Blue SKY Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)