BlastPoint's Banking Scorecard
Blue Sky Bank
Community
Specialty: Commercial
OK
FDIC cert 14899
Pawhuska, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
Blue Sky Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.00% above tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 8% in Community
- - Liquidity Strain: Bottom 46% in Community
- - Cost Spiral: Bottom 85% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+9.7% YoY
+9.3% QoQ
|
-$83.2M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
63% |
| Total Loans ? |
$1.1B
+10.2% YoY
+6.7% QoQ
|
+$97.8M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$1.2B
+10.5% YoY
+9.9% QoQ
|
-$1.3M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
0.95%
-49.7% YoY
+10.8% QoQ
|
-0.22% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
4.66%
-1.4% YoY
+2.3% QoQ
|
+1.00% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
68.54%
+12.8% YoY
-0.7% QoQ
|
+5.90% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? |
0.77%
-33.0% YoY
-41.3% QoQ
|
+0.14% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
92.26%
-0.3% YoY
-2.9% QoQ
|
+9.19% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
19.85%
-1.4% YoY
+1.1% QoQ
|
-1.19% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
49% |
| Nonperforming Asset Ratio ? |
1.56%
-8.3% YoY
-15.6% QoQ
|
+1.06% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.45%
-50.4% YoY
+22.2% QoQ
|
-0.29% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
42% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 10%
in Community
Why this stands out
Current:
4.66%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (3)
Margin Compression
decline
#10 of 120 · Bottom 8% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
0.95%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Liquidity Strain
risk
#237 of 513 · Bottom 46% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.26%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Cost Spiral
risk
#34 of 40 · Bottom 85% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
68.54%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Net Interest Margin
Current: 4.66% · Tier avg: 3.66%
71
71th pctile
Loan-to-Deposit Ratio
Current: 92.26% · Tier avg: 83.06%
71
71th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
66
66th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
63
63th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 19.85% · Tier avg: 21.05%
42
42th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.74%
35
35th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.16%
33
33th pctile
Delinquency Rate
Current: 0.77% · Tier avg: 0.63%
30
30th pctile
Efficiency Ratio
Current: 68.54% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.56% · Tier avg: 0.50%
Top Weaknesses
10
10th pctile
Nonperforming Asset Ratio
Current: 1.56% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Efficiency Ratio
Current: 68.54% · Tier avg: 62.63%
33
33th pctile
Delinquency Rate
Current: 0.77% · Tier avg: 0.63%
35
35th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.16%
42
42th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.74%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 19.85% · Tier avg: 21.05%
63
63th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
66
66th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
71
71th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
71
71th pctile
Loan-to-Deposit Ratio
Current: 92.26% · Tier avg: 83.06%
90
90th pctile
Net Interest Margin
Current: 4.66% · Tier avg: 3.66%