| Metric | Bank of Hydro | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +4.4% | +2.7 pts |
| Deposit growth (YoY) | +7.2% | +4.0% | +3.2 pts |
| Loan growth (YoY) | +11.1% | +5.6% | +5.6 pts |
| ROA | 2.70% | 1.24% | +1.5 pts |
| ROE | 23.4% | 11.9% | +11.5 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $180.8M | $156.9M | $160.1M | $20.7M | $2.4M | 2.70% | 5.19% | 0.57% |
| Q1 2026 | $181.5M | $158.0M | $151.7M | $20.4M | $1.2M | 2.73% | 5.26% | 0.51% |
| Q4 2025 | $167.8M | $143.5M | $155.8M | $20.1M | $5.8M | 3.29% | 5.32% | 0.64% |
| Q3 2025 | $165.9M | $143.0M | $147.6M | $19.6M | $3.9M | 2.90% | 5.27% | 0.00% |
| Q2 2025 | $169.0M | $146.4M | $144.1M | $19.3M | $2.6M | 2.82% | 5.17% | 0.06% |
| Q1 2025 | $173.3M | $151.1M | $143.5M | $19.0M | $1.3M | 2.76% | 4.97% | 0.06% |
| Q4 2024 | $205.9M | $183.9M | $138.5M | $18.7M | $4.8M | 2.91% | 5.43% | 0.07% |
| Q3 2024 | $158.6M | $136.8M | $137.0M | $18.3M | $3.6M | 3.05% | 5.77% | 0.26% |
Loan mix (Q2 2026): real estate $143.6M · commercial $8.6M · consumer $2.7M · securities $2.8M
| Ratio | Bank of Hydro | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.70% | 1.24% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 23.4% | 11.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.19% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.9% | 62.9% | 12th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Hydro | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Hydro | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Bank of Hydro | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Hydro | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Hydro | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
4 branches in 2 counties across 1 state (+0 vs 2024) · $146.4M branch deposits. Biggest market: Caddo, OK, ranked 4th with 12.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Caddo, OK | 2 | $89.3M | 12.59% | 4th |
| Custer, OK | 2 | $57.1M | 5.22% | 9th |
Oklahoma: 141st with 0.09% ·
Branch count: 2022 3 · 2023 3 · 2024 4 · 2025 4