# BLUE SKY BANK
PAWHUSKA, OK · FDIC certificate 14899 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.35B | |
| Deposits | $1.12B | |
| Loans and leases | $1.14B | |
| Total equity | $131.0M | |
| Loans / deposits | 99.81% (p85 of band) | 87.10% |
| Liquid assets / assets | 11.05% (p7 of band) | |
| Uninsured deposits / deposits | 35.57% (p63 of band) | 30.76% |
| Brokered deposits | 9.03% | |
| Wholesale funding | 15.09% (p80 of band) | |
| FHLB advances / assets | 5.54% | |
| Tier 1 leverage | 9.08% (p14 of band) | 10.50% |
| Unrealized securities loss / equity | -5.21% (p62 of band) | -7.75% |
| AOCI / equity | 0.52% (p93 of band) | |
| ROA (annualized) | 0.95% (p27 of band) | 1.26% |
| Net interest margin | 4.45% (p86 of band) | 3.70% |
| Efficiency ratio | 65.34% (p69 of band) | |
| Noncurrent loans | 2.06% (p92 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p31 of band) | |
| Reserve coverage of noncurrent | 58.27% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 71.39% (p73 of band) | |
| Auto loans | $3.8M (0.34% of loans; DQ 3.36%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 4.2% | |
| Employees | 160 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, charge-offs p90 |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | charge-offs p90 |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | uninsured deposits leaving |  |
| 2012-06 | 3 | capital falling | uninsured deposits leaving |
| 2012-09 | 2 |  | capital falling |
| 2012-12 | 3 | charge-offs p90 |  |
| 2013-03 | 2 |  | charge-offs p90 |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | charge-offs p90 |  |
| 2014-06 | 3 | capital falling | charge-offs p90 |
| 2014-09 | 2 |  | capital falling |
| 2014-12 | 3 | charge-offs p90, reserve under noncurrent | wholesale funding >15% |
| 2015-03 | 2 |  | charge-offs p90 |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 5 | wholesale funding >15%, deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2016-12 | 6 | reserve under noncurrent |  |
| 2017-03 | 6 |  |  |
| 2017-06 | 5 |  | assets shrinking |
| 2017-09 | 5 | charge-offs p90 | reserve under noncurrent |
| 2017-12 | 2 |  | wholesale funding >15%, deposits shrinking, uninsured deposits leaving |
| 2018-03 | 1 |  | charge-offs p90 |
| 2018-06 | 1 | liquid assets <10% | brokered >10% |
| 2018-09 | 0 |  | liquid assets <10% |
| 2018-12 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2019-03 | 2 |  | capital falling |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 | construction >100% equity | noncurrent p90, reserve under noncurrent |
| 2019-12 | 0 |  | construction >100% equity |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | charge-offs p90 |  |
| 2020-09 | 0 |  | charge-offs p90 |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | capital falling |  |
| 2022-12 | 1 |  | AOCI drag >20% of equity |
| 2023-03 | 0 |  | capital falling |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | brokered >10% |  |
| 2023-12 | 2 | wholesale funding >15% |  |
| 2024-03 | 1 |  | wholesale funding >15% |
| 2024-06 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2024-09 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2024-12 | 1 |  |  |
| 2025-03 | 4 | capital falling, charge-offs p90, reserve under noncurrent |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 2 | liquid assets <10% | brokered >10%, capital falling, reserve under noncurrent |
| 2025-12 | 1 |  | liquid assets <10% |
| 2026-03 | 2 | noncurrent p90, reserve under noncurrent | charge-offs p90 |
| 2026-06 | 3 | wholesale funding >15% |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-22 [Gentner Drummond Should Answer for His Cannabis Cash Before Republicans Hand Him the Governor's Office - citynewsokc.com](https://news.google.com/rss/articles/CBMilgJBVV95cUxQNjR1X1VfeGdrSW9QYUZ1MVRRZ2tCZEotWEVMRlUxdU5raVZjQnM3QzJRS3N2eE9MbkcxMDVBbkFVVDR3eFRTYjRUSGNmVE5Tbk5ONEUxOVhFTmlfd1Voc0NCV19iWjBTazdORXAzTXpQRFdCRHpOeHlmVWNCblF4alNaNTROZ1gyZjRfdEVPQjdwNFY1QmdzTkd5RmpsVHBXaV9WcHVQZGJJRVcxdlA2SmloZmVodGdUY0l5Q0dnNnlNRWRlMFFWZndUYktLUmJGQnNEZlZVbTZtczhOQ3RCbTFHZTlQY3pqZ3hfRWlZSHhQUWFtTTliQ1pERFlGU2FpT0hqMHlDUEc3S25ENWpjS3BLU0FxUQ?oc=5) · citynewsokc.com
- 2026-08-28 [Records, runoff loss leave Drummond facing federal questions on cannabis banking (copy) - citynewsokc.com](https://news.google.com/rss/articles/CBMi-wFBVV95cUxQRGhYMFk2NllYU3pGN2NtTzNCMldEekFPRHZ0RnpZMW5ZVWJCWE80TEI0cElQb0NHTGZkY2hUOXpLVkpwaUppdHltMGhuaTlqQ3BIYmJKdERkZ09CY25Yd29oS05BWXh1cFRRUjZMOGNhODhrTm9Bd2x2eFNEU0ZsQ0dzcjlOR3lHSGl3LXJZb2R2MkxrV29oU3h3eDU5UE1CNkNvcGxCTGd6SmZXVlp0bGdWclFyd1FaNHhiUVMzWDZqSGFhcUlBTlprV3lRVGJRSlNPSEFIUmtPS0MyWl9PQjRSQUNaWDRucW5mc0lsT2FNT0p0RzJyZzhVVQ?oc=5) · citynewsokc.com
- 2026-08-10 [San Antonio doctor loses 4 properties to foreclosure with bids totaling $26M - San Antonio Express-News](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNVmJuOG9OQjBPdUZqWTZUMlVicUhfbmlKTGJqSXpRVkJvMS1ZSzdYUTQzbGZsUklDZ2hpSG1rS1pYYXM2WWoybE1nQzlBWFcwNFNBeWsyeXVQbnRfREJ4X3RqbDNKbl8tUVF3dzJFbFNSNlk3a1J1Y3Zkc0Q2bjRUNTB5SjVtSE9ndjhBc3l1TTdPTU9mTmFiNmlCSDA3YUFBbWFVLU04SnhWMDA?oc=5) · San Antonio Express-News
- 2026-02-12 [Oklahoma's Blue Sky Bank adopts Jack Henry tech to modernise banking services - FinTech Futures](https://news.google.com/rss/articles/CBMivgFBVV95cUxPMGtZeS1ZMmdoZi13WTBTSG1VWnRZbGVkTHBIXzZlNk0ybnd4NWFEQl9LXzBRLUVQNk1QUGlHN3kwSi1rNV9ybm1ub3E4aGVJTlB6dzl4Nm5TOHJoTWtQSzFEMVBHU3hGaFBsWllGaFVZb1ZqalJWOEQ0QVBZb0ZUOThZSjdSbE9zYXFQUk1xS2VRWm5td2hGUXdOeXdPVUF0SEZqS1o2TEtoTGZzVTJadDRFaWNRV194TmZ3VnV3?oc=5) · FinTech Futures
- 2026-02-11 [Blue Sky Bank Turns to Jack Henry to Drive Innovation, Elevate Customer Service and Support Growth - Yahoo Finance](https://news.google.com/rss/articles/CBMiekFVX3lxTE83S09aZTZnMDFxRjNsNDgzaktGVTFlbVNQZ0wyenB0SHBCOW52VERzSWx4OVRJQVVmS21iWDhOZjkwbnkwa2xuY1A5Wkc0am9wZXBYbDR0ZzN4SnFTTnZQcjJyM1dIdEFNemhVRS1WWXJMM0l1YmhOek5n?oc=5) · Yahoo Finance
- 2021-02-05 [Oklahoma bank opens first Texas branch in San Antonio - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNN0pkM3FhZGt5YmhUTnM2dG9KMUlmYTNMVWljbGdGNzIxVUs3Mkw5MExiTGF2UzB0bUtFOEFwZFZPQ3k5MDdxanUwdkRRRFhWT0tHTC1iR3JRMElZb2JNdS1rM2VwZTc3OFNVbmVpb2E1S3o5bzVFdndZVW03QmxGNlNiVTFUWF9DSVI0ZGg0UG01LTVtSEc3ZmVUM1QxdTFqN3ZoVmIzMA?oc=5) · The Business Journals
- 2020-12-15 [Kelly Young Named Market President of Bank of Cushing, a branch of Blue Sky Bank, Pawhuska - 1600 KUSH](https://news.google.com/rss/articles/CBMiuwFBVV95cUxORWtmMlRRaFJrOHJOSkJYcXpneGkyWl9taWI3VHI4MTAybk5LaHdmNGttQWt6VmlySm1KNDk1TThYQTJ3UFFGSTRWM2N3QVJpS3hRZklsWTgwYzdqUVVucUlCTHFlS2ZwX29TM3RYS1pkc0VjNWZQbElKMHpfNzMwOHhMa0M4S3JkQ2NKaDhwVVBGYldHY2ZVazR4ZzJreXdkY3BRbFM1dHgxS0ladG1jUkVaOXBBbWQ2MV9v?oc=5) · 1600 KUSH
- 2018-08-08 [Blue Sky parent buys Cushing bank - Pawhuska Journal Capital](https://news.google.com/rss/articles/CBMiowFBVV95cUxQWTVOeHRna2pqVlhQSFNGZm9RcHNrRGNzbVp0S21PUFpvbDJ4SUpfRTMzelFvSTc4UjNEVjdtc0RsY1YwQTNLaTZRYjB1bnEtWjF0cXBOUlNqZEo0SmpXc0ZEOEJIREhHcHF4RnEyT1BKbFJtVFFaaGUycjVsTHl5bTY4ci1GcjVNQkxOUjc3cTl3VlBkSW9XaC1xUF94a1FqMTJ3?oc=5) · Pawhuska Journal Capital

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14899 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/51.json (key "14899", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide