Bank of Hydro: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) dropped 10.04 percentage points in Q2 2026, from 40.38% to 30.35%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Bank of Hydro ranks 10th highest among the 169 banks headquartered in Oklahoma, at 102.53% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Bank of Hydro sits 21.59 points higher, at 102.53% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $160.9M |
| Net loans and leases | $160.1M |
| Loans held for sale | $0 |
| Loans to total assets | 88.97% |
| Loan-to-deposit ratio | 102.53% |
| Net loans to equity capital | 7.73% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.50% |
| Multifamily (5+ residential) | 4.24% |
| Commercial and industrial | 5.37% |
| Consumer | 1.66% |
| Credit cards | 0.00% |
| Farm | 7.47% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 112.58% |
| Construction concentration (Tier 1 capital + allowance) | 30.35% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.66% |
| Interest income on loans | $3.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $140.2M | $128.7M | 23.67% | 8.06% | 2.33% |
| Q4 2023 | $141.2M | $131.8M | 23.64% | 7.66% | 2.23% |
| Q1 2024 | $137.2M | $134.1M | 24.78% | 7.45% | 2.20% |
| Q2 2024 | $136.8M | $136.7M | 24.88% | 7.26% | 2.17% |
| Q3 2024 | $138.4M | $136.8M | 24.86% | 6.64% | 2.30% |
| Q4 2024 | $139.9M | $183.9M | 24.69% | 5.12% | 2.19% |
| Q1 2025 | $144.9M | $151.1M | 26.53% | 5.47% | 2.09% |
| Q2 2025 | $145.5M | $146.4M | 26.15% | 5.62% | 2.06% |
| Q3 2025 | $149.0M | $143.0M | 26.53% | 5.73% | 1.86% |
| Q4 2025 | $156.6M | $143.5M | 24.97% | 5.75% | 1.63% |
| Q1 2026 | $152.5M | $158.0M | 25.02% | 5.85% | 1.52% |
| Q2 2026 | $160.9M | $156.9M | 28.50% | 5.37% | 1.66% |
Bank of Hydro loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Hydro, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Hydro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10674) · FFIEC NIC profile (RSSD 291059)