BANK OF HYDRO

HYDRO, OK | Small | Est. Oct. 1, 1903, midnight | FDIC #10674 | RSSD #291059 | FDIC
Latest Report: 2025-12-31

BANK OF HYDRO is asn small FDIC-insured commercial bank headquartered in HYDRO, OK, established in Oct. 1, 1903, midnight. As of 2025-12-31, the bank reported total assets of $168M and total deposits of $144M. Profitability stands at 4.61% ROA and 38.73% ROE, with a net interest margin of 5.72%. The bank's CET1 capital ratio is 11.98%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.61% and a Texas Ratio of 4.58%. FDIC Certificate #10674.

Assets

$168M

Deposits

$144M

Loans

$157M

Equity

$20M

Profitability

Return on Assets (ROA) 4.61%
Return on Equity (ROE) 38.73%
Net Interest Margin (NIM) 5.72%
Yield on Assets 8.15%
Cost of Funds 2.60%

Asset Quality

NPL Ratio 0.61%
Net Charge-Off Ratio 0.02%
Texas Ratio 4.58%
NPA Ratio 0.57%
ACL / Loans 0.48%

Capital & Liquidity

CET1 Ratio 11.98%
Tier 1 Capital 11.98%
Total Capital Ratio 12.57%
Leverage Ratio 12.04%
Loan-to-Deposit 109.10%

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