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
Unfavorable gap of $3.9M · efficiency ratio beats 90% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.07% | 0.85% | 1.26% | 1.60% | Beats 92% | 7 / 89 | |
| Return on Equity | 18.09% | 7.40% | 11.89% | 14.65% | Beats 89% | 10 / 89 | |
| Net Interest Margin | 4.87% | 3.46% | 3.93% | 4.45% | Beats 85% | 13 / 89 | |
| Efficiency Ratio | 47.89% | 54.70% | 60.95% | 71.14% | Beats 90% | 10 / 89 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.64% | 0.30% | 0.82% | 2.25% | Beats 58% | 38 / 88 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.20% | Beats 100% | 15 / 88 | |
| Capital |
| Tier 1 Capital Ratio | 11.56% | 10.89% | 13.00% | 16.33% | Beats 33% | 60 / 89 | |
| Total Risk-Based Capital Ratio | 11.56% | 11.20% | 13.06% | 16.33% | Beats 31% | 61 / 89 | |
| Equity / Assets | 11.45% | 9.26% | 10.94% | 13.52% | Beats 55% | 40 / 89 | |
| Liquidity & Funding |
| Loans / Deposits | 102.53% | 61.51% | 72.27% | 84.01% | 98th pctl | 2 / 88 | |
| Loans / Assets | 88.97% | 52.51% | 63.15% | 71.27% | 99th pctl | 1 / 89 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |