Bank of Hydro: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 6.02 percentage points higher than in Q1 2026, at 102.53%. On return on assets, Bank of Hydro ranks 7th highest among the 169 banks headquartered in Oklahoma, at 2.66% (Q2 2026). Bank of Hydro's return on assets of 2.66% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.41 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.56% |
| Equity capital to assets | 11.45% |
| Tangible equity to tangible assets | 11.45% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.50% |
| Non-performing assets ratio | 0.45% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.80% |
| Allowance for credit losses to loans | 0.49% |
| Reserve coverage of non-performing loans | 97.28% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.66% |
| Return on equity | 23.18% |
| Net interest margin | 5.06% |
| Efficiency ratio | 47.93% |
| Yield on earning assets | 7.27% |
| Cost of funds | 2.52% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.53% |
| Core deposits to total deposits | 85.49% |
| Brokered deposits to total deposits | 3.19% |
| Deposits to assets | 86.77% |
| Securities to assets | 1.55% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.87% | 2.38% | 4.86% | 0.01% | 0.00% |
| Q4 2023 | 11.47% | 3.01% | 5.36% | 0.00% | -0.00% |
| Q1 2024 | 11.57% | 2.83% | 5.48% | 0.00% | 0.01% |
| Q2 2024 | 11.71% | 2.94% | 5.58% | 0.00% | 0.00% |
| Q3 2024 | 11.73% | 3.46% | 6.20% | 0.00% | 0.00% |
| Q4 2024 | 10.50% | 2.83% | 4.63% | 0.08% | 0.02% |
| Q1 2025 | 10.32% | 2.84% | 4.84% | 0.07% | 0.00% |
| Q2 2025 | 11.21% | 2.94% | 5.35% | 0.07% | 0.00% |
| Q3 2025 | 11.72% | 3.12% | 5.43% | 0.00% | 0.00% |
| Q4 2025 | 12.04% | 4.61% | 5.48% | 0.61% | 0.09% |
| Q1 2026 | 11.58% | 2.71% | 5.16% | 0.53% | -0.10% |
| Q2 2026 | 11.56% | 2.66% | 5.06% | 0.50% | 0.00% |
Bank of Hydro vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Hydro, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)