Hydro, OK · Cert 10674 · Hydro Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.21% | 2.28% | 2.59% | 2.15% | 2.12% | -10 bps | |
| Return on Equity | 21.33% | 21.24% | 23.68% | 18.54% | 18.36% | -297 bps | |
| Net Interest Margin | 5.05% | 5.21% | 5.23% | 4.95% | 4.87% | -18 bps | |
| Efficiency Ratio | 45.06% | 45.63% | 46.27% | 47.85% | 47.89% | +283 bps | |
| Non-Interest Burden | 2.07% | 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 / Loans | 0.07% | 0.00% | 0.69% | 0.61% | 0.64% | +57 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | -0.10% | -0.05% | -5 bps | |
| Allowance / Loans | 0.98% | 0.96% | 0.48% | 0.52% | 0.49% | -49 bps | |
| Allowance Coverage of NPLs | 13.0x | n/a | 0.7x | 0.8x | 0.8x | -12.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.21% | 11.72% | 12.04% | 11.58% | 11.56% | +35 bps | |
| Total Risk-Based Capital | 11.21% | 11.72% | 12.04% | 11.58% | 11.56% | +35 bps | |
| Equity / Assets | 11.42% | 11.83% | 11.98% | 11.24% | 11.45% | +3 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.36% | 104.21% | 109.10% | 96.51% | 102.53% | +317 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | 279% | 269% | 263% | n/a | n/a | |