Blue Sky Bank: Bank Stress & Real-Estate Credit Exposure

At 73/100, Blue Sky Bank's DLRadar bank-stress reading is elevated; the institution is filed under FDIC Cert #14899. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

County by county, that footprint includes Dallas County, TX, Bexar County, TX, Tarrant County, TX, Tulsa County, OK, among others DLRadar tracks parcel by parcel. Blue Sky Bank is held under N B C Bancshares Pawhuska Inc, so its disclosures are public and its stress trajectory is externally verifiable. What separates this from a plain credit rating is the geographic weighting — Blue Sky Bank's 73/100 reading reflects not just its balance sheet but the 12 counties it lends into, so the score doubles as a map of where its stress will land first. DLRadar does not model Blue Sky Bank in isolation: the 383-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 12 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress. The combination of a elevated reading and a compact footprint is what makes Blue Sky Bank worth watching as a supply signal. The Blue Sky Bank score updates as fresh FDIC call reports post each quarter, so its 73/100 reading and 12-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Blue Sky Bank is directly comparable to any lender in the country. Blue Sky Bank runs a compact, regionally concentrated real-estate lending footprint — 12 U.S. counties across 2 states, spanning 383 ZIP codes. Its heaviest exposure sits in Oklahoma (9 counties), Texas (3 counties). Over the trailing week its stress reading is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Blue Sky Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.