Bank of Hydro: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Hydro of Hydro, OK against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.66% | 1.34% | +1.32% | 95th top |
| ROAE | 23.18% | 13.32% | +9.86% | 93rd top |
| Net Interest Margin | 5.06% | 3.93% | +1.13% | 93rd top |
| Efficiency Ratio | 47.93% | 61.13% | -13.20% | 85th top |
| PPNR / Avg Assets | 2.70% | 1.68% | +1.02% | 92nd top |
| Yield on Earning Assets | 7.27% | 5.67% | +1.60% | 97th top |
| Cost of Funds | 2.52% | 1.88% | +0.64% | 15th bottom |
| Net Interest Spread | 3.98% | 3.32% | +0.66% | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.50% | 0.94% | -0.44% | 45th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.45% | 0.70% | -0.25% | 41st below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.49% | 1.28% | -0.79% | 2nd bottom |
| ACL / NPLs (Coverage) | 97.28% | 1546.40% | -1449.12% | 26th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.80% | 7.34% | -2.54% | 43rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.56% | 12.14% | -0.58% | 59th above |
| Equity / Assets | 11.45% | 11.36% | +0.09% | 65th above |
| TCE / Tangible Assets | 11.45% | 11.08% | +0.37% | 68th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.53% | 80.66% | +21.87% | 8th bottom |
| Core Deposit Ratio | 85.49% | 86.85% | -1.36% | 32nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.03% | 6.84% | +0.19% | 69th above |
| Loan Growth (Y/Y) | 10.58% | 7.92% | +2.66% | 75th top |
| Deposit Growth (Y/Y) | 7.17% | 6.29% | +0.88% | 71st above |
See Bank of Hydro's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Hydro, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Hydro profile, how to read a UBPR, or how this data updates.