BlastPoint's Banking Scorecard

Bank of Hydro

$100M-$1B Specialty: Commercial OK FDIC cert 10674

Hydro, OK

4 branches across OK

2664 banks in the $100M-$1B peer group nationally 107 in OK

Bank of Hydro has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 49.7% in tier
+ Net Interest Margin 1.33% above tier average
+ Efficiency Ratio 17.43% below tier average
+ Delinquency Rate 0.27% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 39.5% in tier
- Credit Risk Growth: Bottom 46.7% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$181.5M +4.7% YoY +8.1% QoQ	-$204.6M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	22%
Total Loans ?	$151.7M +5.7% YoY -2.7% QoQ	-$104.0M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	36%
Total Deposits ?	$158.0M +4.5% YoY +10.1% QoQ	-$170.0M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	23%
Return on Assets ?	2.73% -0.8% YoY -16.9% QoQ	+1.47%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	Top 3.2% in tier
Net Interest Margin ?	5.26% +5.9% YoY -1.2% QoQ	+1.33%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	Top 4.5% in tier
Efficiency Ratio ?	47.85% +8.7% YoY +3.4% QoQ	-17.43%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	Top 12.3% in tier
Delinquency Rate ?	0.62% +718.2% YoY -11.2% QoQ	-0.27%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	39%
Loan-to-Deposit Ratio ?	96.01% +1.1% YoY -11.6% QoQ	+19.37%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	Bottom 14.1% in tier
Non-Interest-Bearing Deposit Share ?	26.59% +1.2% YoY +1.7% QoQ	+4.57%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	72%
Nonperforming Asset Ratio ?	0.51% +726.0% YoY -20.0% QoQ	-0.12%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	37%
Tier 1 Capital Ratio ?	11.58% +12.2% YoY -3.8% QoQ	-4.25%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	30%
Non-Interest Income / Assets ?	0.08% -24.0% YoY -84.0% QoQ	-0.20%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	40%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#332 of 666 • Top 49.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.73%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (2)

Liquidity Strain

risk

#255 of 643 • Bottom 39.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 96.01%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#455 of 973 • Bottom 46.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Return on Assets

profitability

Value: 2.73%

Peer Median: 1.27%

#85 of 2664 Top 3.2% in $100M-$1B

121

Net Interest Margin

profitability

Value: 5.26%

Peer Median: 3.93%

#121 of 2664 Top 4.5% in $100M-$1B

328

Efficiency Ratio

profitability

Value: 47.85%

Peer Median: 65.29%

#328 of 2664 Top 12.3% in $100M-$1B

Top Weaknesses (3 metrics)

2290

Loan-to-Deposit Ratio

liquidity

Value: 96.01%

Peer Median: 76.64%

#2290 of 2664 Bottom 14.1% in $100M-$1B

2080

Total Assets

size

Value: $181.47M

Peer Median: $386.08M

#2080 of 2664 Bottom 22.0% in $100M-$1B

2045

Total Deposits

size

Value: $158.00M

Peer Median: $327.97M

#2045 of 2664 Bottom 23.3% in $100M-$1B