Bank of Hydro is a state-chartered bank headquartered in Hydro, Oklahoma, in business for about 123 years. At the end of Q2 2026 it reported $180.8M in total assets and $156.9M in deposits, with 4 offices.
Based on its Q2 2026 filing, Bank of Hydro scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 61st. Its strongest component is earnings (100/100; 2.70%), and its lowest is funding & liquidity (52/100; 102% loans-to-deposits, 21% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 5 points (81 → 76), mostly because the loan quality component weakened by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 81 |
| Q4 2024 | 79 |
| Q1 2025 | 78 |
| Q2 2025 | 81 |
| Q3 2025 | 83 |
| Q4 2025 | 76 |
| Q1 2026 | 77 |
| Q2 2026 | 76 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.71% |
| Q3 2024 | 11.73% |
| Q4 2024 | 10.50% |
| Q1 2025 | 10.32% |
| Q2 2025 | 11.21% |
| Q3 2025 | 11.72% |
| Q4 2025 | 12.04% |
| Q1 2026 | 11.58% |
| Q2 2026 | 11.56% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.20% |
| Q3 2024 | 0.30% |
| Q4 2024 | 0.10% |
| Q1 2025 | 0.07% |
| Q2 2025 | 0.07% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.69% |
| Q1 2026 | 0.61% |
| Q2 2026 | 0.64% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.85% |
| Q3 2024 | 3.05% |
| Q4 2024 | 2.91% |
| Q1 2025 | 2.76% |
| Q2 2025 | 2.82% |
| Q3 2025 | 2.90% |
| Q4 2025 | 3.29% |
| Q1 2026 | 2.73% |
| Q2 2026 | 2.70% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $180.8M | 11.56% | 0.64% | 2.70% | 102.0% |
| Q1 2026 | 77 | $181.5M | 11.58% | 0.61% | 2.73% | 96.0% |
| Q4 2025 | 76 | $167.8M | 12.04% | 0.69% | 3.29% | 108.6% |
| Q3 2025 | 83 | $165.9M | 11.72% | 0.00% | 2.90% | 103.2% |
| Q2 2025 | 81 | $169.0M | 11.21% | 0.07% | 2.82% | 98.4% |
| Q1 2025 | 78 | $173.3M | 10.32% | 0.07% | 2.76% | 95.0% |
| Q4 2024 | 79 | $205.9M | 10.50% | 0.10% | 2.91% | 75.3% |
| Q3 2024 | 81 | $158.6M | 11.73% | 0.30% | 3.05% | 100.1% |
| Q2 2024 | 82 | $157.8M | 11.71% | 0.20% | 2.85% | 99.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| All Capital BankBank Locust Grove, OK | 73 out of 100, Strong | $176.1M | 9.5% | 0.30% | vs |
| The Bank of Beaver CityBank Beaver, OK | 60 out of 100, Moderate | $188.6M | 8.7% | 1.34% | vs |
| First Enterprise BankBank Oklahoma City, OK | 28 out of 100, Low | $189.7M | 10.8% | 6.33% | vs |
| The Peoples National Bank of ChecotahBank Checotah, OK | 91 out of 100, Very strong | $171.8M | 16.1% | 0.53% | vs |
| The First National Bank and Trust Company of MiamiBank Miami, OK | 82 out of 100, Strong | $191.4M | 13.4% | 0.60% | vs |
| The Bank of the WestBank Thomas, OK | 62 out of 100, Moderate | $192.4M | 10.5% | 2.22% | vs |
Deposit insurance
Is my money safe at Bank of Hydro?
Yes. Bank of Hydro is an FDIC-insured institution (FDIC certificate #10674). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.8% of deposits ($32.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.56%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
Bank of Hydro lists 4 offices in 3 cities. Most locations:
- Weatherford, OK (2)
- Eakly, OK (1)
- Hydro, OK (1)
Identity & history
Profile
- Legal name
- Bank of Hydro
- Type
- State-chartered bank
- FDIC certificate #
- 10674
- RSSD ID
- 291059
- Primary regulator
- FDIC
- Holding company
- Hydro Bancshares Inc
- Established
- October 1, 1903
- Headquarters
- 146 W Main St, Hydro, OK 73048
- Website
- www.bankofhydro.com
- Employees
- 27
Quick answers
Bank of Hydro: common questions
Is Bank of Hydro FDIC insured?
Yes. Bank of Hydro is an FDIC-insured institution (FDIC certificate #10674). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Hydro's TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Hydro ever failed?
There is no failure record for FDIC certificate #10674 in the FDIC failed bank list.
How many branches does Bank of Hydro have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hydro
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Bank and Trust CompanyBank Clinton, OK | 96 out of 100, Very strong | $58.2M | 16.7% | 0.02% | vs |
| Bank 7Bank Oklahoma City, OK | 86 out of 100, Very strong | $1.9B | 13.9% | 0.39% | vs |
| Oklahoma Bank and Trust CompanyBank Clinton, OK | 82 out of 100, Strong | $202.3M | 14.1% | 0.61% | vs |
| First State BankBank Watonga, OK | 82 out of 100, Strong | $89.8M | 13.2% | 1.28% | vs |
| Bank of Western OklahomaBank Elk City, OK | 73 out of 100, Strong | $469.7M | 8.1% | 0.11% | vs |
| BancFirstBank Oklahoma City, OK | 71 out of 100, Strong | $12.8B | 10.6% | 1.19% | vs |