Hydro, OK · Cert 10674 · Hydro Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.69% | 2.18% | 2.17% | 2.33% | 2.45% | 3.64% | 2.15% | 2.06% | -26 bps | |
| Return on Equity | 23.46% | 21.48% | 21.87% | 20.82% | 21.07% | 30.56% | 18.54% | 18.20% | -262 bps | |
| Net Interest Margin | 5.93% | 4.46% | 4.64% | 5.14% | 5.25% | 5.26% | 4.95% | 4.87% | -27 bps | |
| Efficiency Ratio | 41.72% | 50.74% | 44.01% | 46.09% | 46.72% | 48.15% | 47.85% | 47.93% | +184 bps | |
| Non-Interest Burden | 2.08% | 1.98% | 1.82% | 2.19% | 2.11% | 2.21% | 2.19% | 2.17% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.85% | 35.19% | 11.99% | 7.07% | 4.60% | -18.48% | 4.70% | 7.03% | -4 bps | |
| Loan Growth (YoY) | -1.29% | -0.92% | 5.60% | 6.36% | 7.65% | 11.97% | 5.22% | 10.58% | +423 bps | |
| Deposit Growth (YoY) | 6.32% | 39.55% | 12.70% | 7.11% | 4.50% | -21.95% | 4.53% | 7.17% | +5 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.30% | 0.10% | 0.07% | 0.07% | 0.00% | 0.69% | 0.61% | 0.64% | +57 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0.09% | -0.10% | 0.00% | 0 bps | |
| Allowance / Loans | 1.01% | 1.00% | 0.97% | 0.98% | 0.96% | 0.48% | 0.52% | 0.49% | -49 bps | |
| Allowance Coverage of NPLs | 3.3x | 10.0x | 13.1x | 13.0x | n/a | 0.7x | 0.8x | 0.8x | -12.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.73% | 10.50% | 10.32% | 11.21% | 11.72% | 12.04% | 11.58% | 11.56% | +35 bps | |
| Total Risk-Based Capital | 11.73% | 10.50% | 10.32% | 11.21% | 11.72% | 12.04% | 11.58% | 11.56% | +35 bps | |
| Equity / Assets | 11.56% | 9.06% | 10.95% | 11.42% | 11.83% | 11.98% | 11.24% | 11.45% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.16% | 76.05% | 95.88% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 279% | 269% | 263% | n/a | n/a | |