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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Hydro, OK · FDIC certificate #10674
BANK OF HYDRO is an FDIC-insured institution based in Hydro, OK (FDIC certificate #10674). In its Q3 2026 Call Report it reported total assets of $181M, total deposits of $156M and net loans of $163M. Its primary federal regulator is FDIC.
Plain-language readout
BANK OF HYDRO has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $181M in Q1 2026 and were lowest at $181M in Q3 2026.
Total deposits were highest at $158M in Q1 2026 and lowest at $156M in Q3 2026.
Over the whole period total assets fell 0.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $181M | $156M | $163M | 2.68% | 23.19% | 5.24% |
| Q2 2026 | $181M | $157M | $160M | 2.70% | 23.38% | 5.19% |
| Q1 2026 | $181M | $158M | $152M | 2.73% | 23.58% | 5.26% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $2.6M | $3.5M | -$856K | -24.8% |
| Federal funds sold | $10.2M | $18.3M | -$8.1M | -44.4% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $0K | $0K | $0K | n/a |
| Equity securities with readily determinable fair values, not held for trading | $2.8M | $2.8M | -$18K | -0.6% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $160.1M | $151.7M | +$8.4M | +5.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.7M | $1.7M | +$58K | +3.5% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $3.4M | $3.6M | -$121K | -3.4% |
| Total assets | $180.8M | $181.5M | -$638K | -0.4% |
| Liabilities | ||||
| Total deposits | $156.9M | $158.0M | -$1.1M | -0.7% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.2M | $3.1M | +$153K | +5.0% |
| Total liabilities | $160.1M | $161.1M | -$936K | -0.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $500K | $500K | $0K | 0.0% |
| Surplus | $3.8M | $3.8M | $0K | 0.0% |
| Retained earnings | $16.4M | $16.2M | +$298K | +1.8% |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $20.7M | $20.4M | +$298K | +1.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.0M | $934K | +$97K | +10.4% |
| Adjusted nonperforming assets | $1.0M | $934K | +$97K | +10.4% |
| Tangible equity plus allowance | $21.5M | $21.2M | +$298K | +1.4% |
| Texas ratio (gross) | 4.80% | 4.41% | +0.39 pts | See points |
| Texas ratio (adjusted) | 4.80% | 4.41% | +0.39 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 4.80% | 4.41% | +0.39 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.56% | 11.58% | -0.02 pts | See points |
| Construction and land loans to total capital | 30.35% | 40.38% | -10.04 pts | See points |
| Commercial real estate to total capital | 112.58% | 102.95% | +9.63 pts | See points |
| Dividend payout, year to date | 74.97% | 74.96% | +0.01 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | 0.00% | 0.00% | 0.00 pts | See points |
| Liquidity | ||||
| Core deposits | $134.1M | $134.3M | -$123K | -0.1% |
| Non-core funding | $22.8M | $23.7M | -$966K | -4.1% |
| Loans to core deposits | 119.93% | 113.56% | +6.37 pts | See points |
| Loans to deposits | 102.53% | 96.51% | +6.02 pts | See points |
| Brokered deposits share of deposits | 3.19% | 3.16% | +0.02 pts | See points |
| Pledged securities share of securities | Not reported | Not reported | Not reported | See points |
| Loans pledged, share of loans | 26.81% | 28.11% | -1.31 pts | See points |
| Volatile liabilities | $22.8M | $23.7M | -$966K | -4.1% |
| Earnings | ||||
| Earnings before provision, year to date | $2.4M | $1.2M | +$1.2M | +99.6% |
| Earnings before provision, single quarter | $1.2M | $1.2M | -$5K | -0.4% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 7.66% | 7.69% | -0.04 pts | See points |
| Yield on interest-bearing balances due from banks | Not reported | Not reported | Not reported | See points |
| Total interest income to average assets | 6.99% | 7.06% | -0.07 pts | See points |
| Cost of interest-bearing transaction accounts | 2.05% | 2.01% | +0.05 pts | See points |
| Cost of savings and money market deposits | 3.57% | 3.50% | +0.07 pts | See points |
| Cost of time deposits | 3.79% | 3.84% | -0.05 pts | See points |
| Total interest expense to average assets | 2.12% | 2.11% | +0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $181M | $156M | $163M | 2.68% | 23.19% | 5.24% |
| 2026-06-30 | $181M | $157M | $160M | 2.70% | 23.38% | 5.19% |
| 2026-03-31 | $181M | $158M | $152M | 2.73% | 23.58% | 5.26% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OK | $146.4M | 0.10% | 122 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.