Blue Sky Bank: how it compares with its peers
Against 30 OK banks with half to twice its assets, Blue Sky Bank's strongest measure in Q2 2026 is net interest margin (4.45% vs. a 4.17% peer median). Its weakest relative measure is return on assets (0.95% vs. 1.35%).
| Measure | Blue Sky Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.95% | 1.35% | Bottom third Ahead of 27% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.45% | 4.17% | Top third Ahead of 77% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.34% | 62.05% | Bottom third Ahead of 30% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.5M | $7.9M | Middle third Ahead of 60% of peers |
| Loans to deposits Net loans and leases over total deposits. | 99.81% | 88.56% | Context |
What it means for lending operations
Its efficiency ratio of 65.34% is above the 62.05% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Oklahoma Bank Jenks, OK · $1.34B
- Liberty National Bank Lawton, OK · $1.32B
- Firstar Bank Sallisaw, OK · $1.24B
- Sovereign Bank Shawnee, OK · $1.47B
- American Heritage Bank Sapulpa, OK · $1.48B
- International Bank of Commerce Oklahoma City, OK · $1.63B
Questions about Blue Sky Bank
How big is Blue Sky Bank?
Blue Sky Bank, established in 1905, is headquartered in Pawhuska, OK. It reported $1.35B in total assets in its Q2 2026 FDIC call report and operates 15 offices.
What is Blue Sky Bank's return on assets?
0.95% annualized in Q2 2026, against a 1.35% median for 30 OK banks with half to twice its assets, ahead of 27% of them.
What is Blue Sky Bank's efficiency ratio?
65.34% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 62.05%, and lower is better.
Is Blue Sky Bank growing its loans?
Net loans grew 11.4% over the year to Q2 2026, while deposits grew 4.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.