Blue Sky Bank
Pawhuska, Oklahoma, Osage County
$1.4B in total assets, the 834th largest of 4,309 US banks and 18th of 171 headquartered in Oklahoma.
- FDIC certificate
- 14899
- Established
- 1905
- Owned by
- N B C Bancshares Pawhuska Inc
- Primary regulator
- FED
- Website
- www.bluesky.bank
At a glance
Compared with 20 banks headquartered in Oklahoma with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.4B | 35% | $1.8B | |
| Loans | $1.1B | 40% | $1.4B | |
| Deposits | $1.1B | 25% | $1.2B | |
| Return on assets | 1.05% | 30% | 1.41% | |
| Net interest margin | 4.45% | 75% | 3.91% | |
| Efficiency ratio | 65.3% | 75% | 59.5% | |
| Equity to assets | 9.68% | 40% | 10.43% | |
| Loans to deposits | 101% | 80% | 94% |
Growth
Total assets grew 23.7% a year over the last 5 years and 20.3% a year over 10 years, including 3 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Mar 2023 | First National Bank and Trust Company of Weatherford Weatherford, OK, an affiliate under the same holding company | $296M |
| May 2022 | The American Bank Wagoner, OK, an affiliate under the same holding company | $35M |
| Feb 2020 | Bank of Cushing Cushing, OK, an affiliate under the same holding company | $118M |
Where they operate
15 branches in 11 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Tulsa County, OK | $366M | 1.1% | 20 of 52 |
| Payne County, OK | $167M | 7.4% | 5 of 16 |
| Osage County, OK | $135M | 21.5% | 2 of 8 |
| Dallas County, TX | $133M | 0.0% | 71 of 109 |
| Custer County, OK | $105M | 9.1% | 5 of 15 |
| Tarrant County, TX | $77M | 0.1% | 55 of 74 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 12 branches since 2016 (3 to 15, +400.0%). 5 opened, 9 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 3 | |||
| 2017 | Opened Tulsa | 1 | 0 | +1 | 4 |
| 2020 | Acquired Bank of Cushing | 2 | 0 | +2 | 6 |
| 2021 | Opened San Antonio | 1 | 0 | +1 | 7 |
| 2022 | Acquired The American Bank | 1 | 0 | +1 | 8 |
| 2023 | Acquired First National Bank and Trust Company of WeatherfordOpened Fairfax and Ft Worth | 8 | 0 | +8 | 16 |
| 2024 | Closed Stillwater | 0 | 1 | −1 | 15 |
| 2025 | Opened AddisonClosed San Antonio | 1 | 1 | 0 | 15 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 36% | 36% | |
| Business (C&I) | 31% | 16% | |
| 1-4 family residential | 13% | 19% | |
| Construction and land | 8% | 12% | |
| Multifamily | 7% | 3% | |
| Agricultural | 2% | 2% | |
| Farmland | 2% | 3% | |
| Consumer | 1% | 5% | |
| Other | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 45% | 51% | |
| Time deposits | 36% | 23% | |
| Noninterest-bearing | 18% | 26% |
Brokered deposits are 10.9% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 2.06% | 0.55% |
| Net charge-offs, annualized | 0.01% | 0.03% |
| Reserves to loans | 1.20% | 1.18% |
| Leverage ratio | 9.08% | 10.36% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Oklahoma
Largest competitors in Tulsa County, OK
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/blue-sky