Bank of Hydro: how it compares with its peers
Against 64 OK banks with half to twice its assets, Bank of Hydro's strongest measure in Q2 2026 is return on assets (2.70% vs. a 1.54% peer median). Its weakest relative measure is assets per employee ($6.7M vs. $6.2M).
| Measure | Bank of Hydro | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.70% | 1.54% | Top third Ahead of 98% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.19% | 4.26% | Top third Ahead of 80% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.89% | 59.64% | Top third Ahead of 86% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $6.2M | Middle third Ahead of 63% of peers |
| Loans to deposits Net loans and leases over total deposits. | 102.03% | 75.02% | Context |
What it means for lending operations
Its efficiency ratio of 47.89% is better than the 59.64% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- All Capital Bank Locust Grove, OK · $176M
- The Bank of Beaver City Beaver, OK · $189M
- First Enterprise Bank Oklahoma City, OK · $190M
- The Peoples National Bank of Checotah Checotah, OK · $172M
- The First National Bank and Trust Company of Miami Miami, OK · $191M
- The Bank of the West Thomas, OK · $192M
Questions about Bank of Hydro
How big is Bank of Hydro?
Bank of Hydro, established in 1903, is headquartered in Hydro, OK. It reported $181M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Bank of Hydro's return on assets?
2.70% annualized in Q2 2026, against a 1.54% median for 64 OK banks with half to twice its assets, ahead of 98% of them.
What is Bank of Hydro's efficiency ratio?
47.89% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 59.64%, and lower is better.
Is Bank of Hydro growing its loans?
Net loans grew 11.1% over the year to Q2 2026, while deposits grew 7.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.