BlastPoint's Banking Scorecard
Bank of Hydro
Hydro, OK
4 branches across OK
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
- Deposits +7.2% year over year ($156.9M on the books).
- Delinquency rate 0.64%.
- Return on assets 2.70%.
- Efficiency ratio 47.89% vs a 64.48% peer average.
- Loan-to-deposit ratio 102.03% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Hydro has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.38% above tier average
- + Net Interest Margin 1.20% above tier average
- + Efficiency Ratio 16.59% below tier average
- + Delinquency Rate 0.27% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 24.08% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$180.8M
+7.0% YoY
-0.4% QoQ
|
-$205.7M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
22% |
| Total Loans ? |
$160.1M
+11.1% YoY
+5.5% QoQ
|
-$98.3M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
38% |
| Total Deposits ? |
$156.9M
+7.2% YoY
-0.7% QoQ
|
-$169.8M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
23% |
| Return on Assets ? |
2.70%
-4.2% YoY
-1.3% QoQ
|
+1.38% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
Top 3.3% in tier |
| Net Interest Margin ? |
5.19%
+0.4% YoY
-1.4% QoQ
|
+1.20% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
Top 5.8% in tier |
| Efficiency Ratio ? |
47.89%
+6.3% YoY
+0.1% QoQ
|
-16.59% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
Top 12.8% in tier |
| Delinquency Rate ? |
0.64%
+751.2% YoY
+4.6% QoQ
|
-0.27% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
102.03%
+3.7% YoY
+6.3% QoQ
|
+24.08% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
Bottom 7.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.05%
+6.2% YoY
+1.7% QoQ
|
+5.02% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.57%
+783.8% YoY
+10.8% QoQ
|
-0.10% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
11.56%
+3.1% YoY
-0.1% QoQ
|
-4.35% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.16%
-17.4% YoY
+96.0% QoQ
|
-0.41% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
38% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
27.0%
+1.6pp YoY +0.5pp QoQ |
+4.9pp | 22.1% | 23.9% | 22.2% | 73% |
| Brokered Deposits |
3.2%
-0.2pp YoY 0.0pp QoQ |
-4.7pp | 7.9% | 9.7% | 8.5% | 39% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.4%
-0.3pp YoY -0.5pp QoQ |
-6.2pp | 11.6% | 15.7% | 12.5% | 22% |
| CRE |
37.0%
-0.5pp YoY +1.6pp QoQ |
-2.6pp | 39.5% | 42.0% | 41.4% | 47% |
| 1-4 Family |
45.2%
-0.3pp YoY -1.0pp QoQ |
+12.6pp | 32.6% | 24.0% | 31.3% | 77% |
| Consumer |
1.7%
-0.4pp YoY +0.1pp QoQ |
-2.4pp | 4.1% | 5.6% | 5.0% | 42% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
11.6%
+0.3pp YoY 0.0pp QoQ |
-0.6pp | 12.2% | 11.7% | 12.6% | 59% |
| Total Capital Ratio | n/a | n/a | 19.9% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
27
0 YoY 0 QoQ |
-32 | 58 | 150 | 482 | 22% |
| Assets per Employee ($) |
$6.7M
+7.0% YoY -0.4% QoQ |
-$821K | $7.5M | $6.5M | $8.8M | 46% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 8 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
+0.1pp QoQ |
-0.2pp | 0.3% | 0.9% | 0.4% | 57% |
| Nonaccrual |
0.5%
+0.4pp YoY 0.0pp QoQ |
-0.4pp | 0.9% | 1.5% | 1.0% | 53% |
| Allowance Coverage |
0.76x
-94.1% YoY -9.4% QoQ |
-23.39x | 24.15x | 61.99x | 20.23x | 19% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp QoQ |
-0.2pp | 0.1% | 0.2% | 0.2% | 5% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
23.4%
-3.8pp YoY -0.2pp QoQ |
+11.2pp | 12.2% | 11.9% | 11.6% | 94% |
| Cost of Funds (YTD) |
2.2%
-0.2pp YoY 0.0pp QoQ |
+0.5pp | 1.7% | 1.8% | 1.7% | 82% |
| Net Income ($, YTD) |
$2.4M
-7.3% YoY — QoQ |
-$170K | $2.6M | $8.7M | $40.4M | 60% |
Get Full Access to Bank of Hydro
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.