The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 8 points (50 → 42), mostly because the loan quality component weakened by 26 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Oklahoma

Yes. Blue Sky Bank is an FDIC-insured institution (FDIC certificate #14899). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.6% of deposits ($399.7M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.08%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

Blue Sky Bank lists 14 offices in 13 cities across 2 states. Most locations:

• Tulsa, OK (2)
• Addison, TX (1)
• Cleveland, OK (1)
• Cordell, OK (1)
• Cushing, OK (1)
• Fairfax, OK (1)
• Ft Worth, TX (1)
• Hinton, OK (1)
• Morrison, OK (1)
• Pawhuska, OK (1)
• Stillwater, OK (1)
• Wagoner, OK (1)

All branch addresses and map

In 2025, Blue Sky Bank reported 42 home-loan applications under HMDA (LEI 254900E211LMPD5PAM20): 37 originated ($120,235,000 total), 3 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Blue Sky Bank

Former names

National Bank of Commerce in Pawhuska; Citizens Bank of Oklahoma; NBC Bank

Type

State-chartered bank (Fed member)

FDIC certificate #

14899

RSSD ID

517357

Primary regulator

FED

Holding company

N B C Bancshares Pawhuska Inc

Established

November 23, 1905

Headquarters

101 E 8th St, Pawhuska, OK 74056

Website

www.bluesky.bank

Employees

160