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Bank Of Hydro
Hydro, OK · FDIC Certificate #10674 · Chartered 10/0
Total assets
$180.83M
Total deposits
$156.91M
Total equity
$20.70M
Net loans
$160.09M
Branches (offices)
4
Net income (YTD)
$2.38M
Rank: #3,110 of 4,213 U.S. banks by assets · #106 of 168 in Oklahoma. Assets changed 7.0% and deposits 7.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.70% |
| Return on equity | 23.38% |
| Net interest margin (YTD) | 5.19% |
| Equity to assets | 11.45% |
| Tier 1 leverage ratio | 11.56% |
| Uninsured deposits (share of deposits) | 20.8% |
| Noncurrent loans (share of loans) | 0.64% |
| Net charge-offs (share of loans) | -0.05% |
| Loans to deposits | 102.0% |
| Real estate loans (share of loans) | 89.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $143.64M | 89.7% | |
| Commercial & industrial | $8.64M | 5.4% | |
| Consumer / individual | $2.67M | 1.7% | |
| Construction & development | $6.52M | 4.1% | |
| Agricultural | $5.91M | 3.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $145.22M | $125.38M | $1.06M | $16.17M |
| Jun 2023 | $154.06M | $130.49M | $1.53M | $16.93M |
| Jun 2024 | $157.81M | $136.69M | $2.21M | $18.00M |
| Jun 2025 | $168.96M | $146.42M | $2.57M | $19.30M |
| Jun 2026 | $180.83M | $156.91M | $2.38M | $20.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $156.91M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $156.91M.
Similar-sized banks
Slovenian Savings And Loan Association Of Franklin-Conemaugh ($180.84M) · Battle Bank, National Association ($180.79M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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