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Bank of Hydro

Hydro, OK · Cert 10674 · Hydro Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OK3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OK (n=88 to 89). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

40

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

89

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

90

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Hydro

Hydro, OK · Cert 10674 · Hydro Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$180.8MAssets
$160.9MLoans
$156.9MDeposits
$20.7MEquity
Loan mix
92%RE $135.1M6%C&I $8.9M2%Consumer $2.3MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $114.5M27%Noninterest $42.4MQ2 2025Q2 2026

NIM

7.63%Q2 ’247.46%Q2 ’256.97%Q2 ’26-4%-4%

Non-interest income vs. expense

2.73%Q2 ’242.45%Q2 ’252.49%Q2 ’26-12%+5%

Executive Summary

  • Earnings: ROA of 2.12%, down 10 bps year over year; NIM at 4.87%.
  • Asset quality: problem loans at 0.64% of loans (+57 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 11.56%, up 35 bps from a year ago.
  • Funding: loans stand at 102.53% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.12%-10 bps YoY

Net Interest Margin (YTD, annualized)

4.87%-18 bps YoY

Efficiency Ratio (YTD, annualized)

47.89%+283 bps YoY

Tier 1 Leverage Ratio

11.56%+35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.21%2.28%2.59%2.15%2.12%-10 bps
Return on Equity21.33%21.24%23.68%18.54%18.36%-297 bps
Net Interest Margin5.05%5.21%5.23%4.95%4.87%-18 bps
Efficiency Ratio45.06%45.63%46.27%47.85%47.89%+283 bps
Non-Interest Burden2.07%2.12%2.15%2.19%2.16%+10 bps
Growth
Asset Growth (YoY)7.07%4.60%-18.48%4.70%7.03%-4 bps
Loan Growth (YoY)6.36%7.65%11.97%5.22%10.58%+423 bps
Deposit Growth (YoY)7.11%4.50%-21.95%4.53%7.17%+5 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.00%0.69%0.61%0.64%+57 bps
Net Charge-Offs / Loans0.00%0.00%0.02%-0.10%-0.05%-5 bps
Allowance / Loans0.98%0.96%0.48%0.52%0.49%-49 bps
Allowance Coverage of NPLs13.0xn/a0.7x0.8x0.8x-12.3x
Capital
Tier 1 Leverage Ratio11.21%11.72%12.04%11.58%11.56%+35 bps
Total Risk-Based Capital11.21%11.72%12.04%11.58%11.56%+35 bps
Equity / Assets11.42%11.83%11.98%11.24%11.45%+3 bps
Liquidity & Funding
Loans / Deposits99.36%104.21%109.10%96.51%102.53%+317 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/a279%269%263%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Hydro

Hydro, OK · Cert 10674 · Peer group: banks under $1B in assets in OK (n=88-89) · Hydro Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$180.8MAssets
$160.9MLoans
$156.9MDeposits
$20.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OK (rank 15 of 88).
  • Widest gap: total risk-based capital ratio trails 69% of banks under $1B in assets in OK (rank 61 of 89).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.07%

Rank 7 of 89

Net Interest Margin

4.87%

Rank 13 of 89

Efficiency Ratio

47.89%

Rank 10 of 89

Equity / Assets

11.45%

Rank 40 of 89

Non-interest income vs. expense

$0.6M$4.5MINCOMEEXPENSE
Unfavorable gap of $3.9M · efficiency ratio beats 90% of banks under $1B in assets in OK
Bank 47.89%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.07%0.85%1.26%1.60%Beats 92%7 / 89
Return on Equity18.09%7.40%11.89%14.65%Beats 89%10 / 89
Net Interest Margin4.87%3.46%3.93%4.45%Beats 85%13 / 89
Efficiency Ratio47.89%54.70%60.95%71.14%Beats 90%10 / 89
Asset Quality
Nonperforming Loans / Loans0.64%0.30%0.82%2.25%Beats 58%38 / 88
Net Charge-Offs / Loans0.00%0.00%0.03%0.20%Beats 100%15 / 88
Capital
Tier 1 Capital Ratio11.56%10.89%13.00%16.33%Beats 33%60 / 89
Total Risk-Based Capital Ratio11.56%11.20%13.06%16.33%Beats 31%61 / 89
Equity / Assets11.45%9.26%10.94%13.52%Beats 55%40 / 89
Liquidity & Funding
Loans / Deposits102.53%61.51%72.27%84.01%98th pctl2 / 88
Loans / Assets88.97%52.51%63.15%71.27%99th pctl1 / 89
Brokered Deposits / Depositsn/aNot reported for this institution