Bank of Hydro
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Data as of · sourced from FFIEC call reports. How we update
Bank of Hydro is an FDIC-insured commercial bank headquartered in Hydro, OK, established in 1903 (FDIC certificate 10674), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $180.8M, up 7.0% from Q2 2025, the 106th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.56% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10674
- Headquarters
- Hydro, OK
- Established
- 1903
- Total assets, Q2 2026
- $180.8M
- Assets vs Q2 2025
- +7.0%
- Tier 1 leverage ratio, Q2 2026
- 11.56%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 103105394
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Hydro call report
- Holding company
- HYDRO BANCSHARES, INC.
- Asset rank in state
- 106th of 169 in Oklahoma
Problem loans are rising at Bank of Hydro. Based in Hydro, Oklahoma, it had $181 million in assets at June 30, 2026, up 7.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.64% of loans from 0.07% a year earlier. It earns about $2.66 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 5.06 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
Loans are outrunning deposits: over the year loans rose 10.6% and deposits rose 7.2%. Funding is the softer spot: it pays an average of 2.52% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Bank of Hydro reported a return on assets of 2.66%, a nonperforming-loan ratio of 0.64% and a Texas ratio of 4.80%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Hydro is the 106th largest of the 169 banks headquartered in Oklahoma. Between Q1 2026 and Q2 2026, its total assets fell 0.4% to $180.8M, loans rose 5.5% and deposits fell 0.7%. 1-4 family residential loans made up 45.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 21.8%. Its 4 offices in the FDIC Summary of Deposits are in Hydro, OK, Weatherford, OK and Eakly, OK; its Hydro office books 56% of its branch deposits. Judged on its Q2 2026 call report, Bank of Hydro meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 146 W Main St, Hydro, OK 73048
- County
- Caddo
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 1, 1903
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $156.9M
- Allowance for credit losses
- $788K
- Net charge-offs (YTD)
- -$38K
- Average total assets
- $179.1M
- Average total loans
- $155.7M
- Average interest-bearing deposits
- $108.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10674
- Fed RSSD
- 291059
- Website
- http://www.bankofhydro.com →
- Parent Holding Company
- HYDRO BANCSHARES, INC. (RSSD 1057168)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of Hydro reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Bank of Hydro's total assets moved between a low of $149.8M (Q3 2023) and a high of $205.9M (Q4 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$180.8M total assets against $169.0M; $160.1M total liabilities against $149.7M.
$160.1M net loans and leases against $144.1M; $156.9M total deposits against $146.4M.
$2.8M securities against $2.8M; $12.8M cash and balances due against $16.3M.
$3.1M total interest income against $3.2M; $948K total interest expense against $976K.
$2.2M net interest income against $2.2M.
$141K total noninterest income against $141K; $1.1M total noninterest expense against $1.1M.
$0 provision for credit losses against $10K.
$1.2M net income against $1.3M.
2.66% return on assets against 2.94%; 5.06% net interest margin against 5.35%.
11.56% tier 1 leverage ratio against 11.21%.
Inside the full Bank of Hydro terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Bank of Hydro rankings
Its closest position to the top of a national ranking is 119 of 3,611, for ROA; its furthest is 3,098 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.66% (Q2 2026) to 4.61% (Q4 2025) and its net interest margin ran from 4.63% (Q4 2024) to 6.20% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.56% | 2.66% | 0.64% | 4.80% | 5.06% |
| Q1 2026 | 11.58% | 2.71% | 0.61% | 4.41% | 5.16% |
| Q4 2025 | 12.04% | 4.61% | 0.69% | 5.18% | 5.48% |
| Q3 2025 | 11.72% | 3.12% | 0.00% | 0.00% | 5.43% |
| Q2 2025 | 11.21% | 2.94% | 0.07% | 0.53% | 5.35% |
| Q1 2025 | 10.32% | 2.84% | 0.07% | 0.53% | 4.84% |
| Q4 2024 | 10.50% | 2.83% | 0.10% | 0.70% | 4.63% |
| Q3 2024 | 11.73% | 3.46% | 0.30% | 2.11% | 6.20% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Hydro (main office) | Hydro , OK | 73048 | $87.4M |
| Weatherford East Branch | Weatherford , OK | 73096 | $54.7M |
| Eakly Branch | Eakly , OK | 73033 | $9.9M |
| Weatherford Town Centre Branch | Weatherford , OK | 73096 | $4.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in OK, rank 120 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $358K approved, $358K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Hydro
What are Bank of Hydro's total assets?
As of the Q2 2026 filing, Bank of Hydro reported total assets of $180.8 million in its FFIEC call report.
Where is Bank of Hydro headquartered?
It is headquartered in Hydro, OK, United States.
When was Bank of Hydro founded?
It was established in 1903, per the FDIC institution directory.
Is Bank of Hydro FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10674). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Hydro?
Bank of Hydro's primary federal regulator is the FDIC.
How many branches does Bank of Hydro operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Hydro's Texas Ratio?
Its Texas Ratio is 4.80% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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