BlastPoint's Banking Scorecard
Bank of Hydro
Micro
Specialty: Commercial
OK
FDIC cert 10674
Designations: ✓ Community bank
Hydro, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Bank of Hydro has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 2.20% above tier
- + Net Interest Margin 1.47% above tier
- + Efficiency Ratio 21.45% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 34.05% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$167.8M
-18.5% YoY
+1.2% QoQ
|
-$49.6M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$155.8M
+12.6% YoY
+5.6% QoQ
|
+$16.7M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$143.5M
-21.9% YoY
+0.4% QoQ
|
-$40.1M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
3.29%
+13.2% YoY
+13.6% QoQ
|
+2.20% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
5.32%
-1.9% YoY
+1.0% QoQ
|
+1.47% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
46.27%
-1.5% YoY
+1.4% QoQ
|
-21.45% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
0.69%
+585.4% YoY
|
+0.05% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
108.58%
+44.2% YoY
+5.2% QoQ
|
+34.05% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.14%
-13.0% YoY
+1.6% QoQ
|
+3.75% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.64%
+846.4% YoY
|
+0.19% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.51%
+30.5% YoY
+41.5% QoQ
|
-0.05% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
70% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.29%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 6%
in Micro
Why this stands out
Current:
5.32%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
46.27%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
108.58%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Return on Assets
Current: 3.29% · Tier avg: 1.08%
94
94th pctile
Net Interest Margin
Current: 5.32% · Tier avg: 3.85%
94
94th pctile
Efficiency Ratio
Current: 46.27% · Tier avg: 67.73%
70
70th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 26.14% · Tier avg: 22.39%
62
62th pctile
Total Loans
Current: $155.8M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Total Deposits
Current: $143.5M · Tier avg: $183.7M
43
43th pctile
Total Assets
Current: $167.8M · Tier avg: $217.5M
38
38th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.64%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.45%
4
4th pctile
Loan-to-Deposit Ratio
Current: 108.58% · Tier avg: 74.53%
Top Weaknesses
4
4th pctile
Loan-to-Deposit Ratio
Current: 108.58% · Tier avg: 74.53%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.45%
38
38th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.64%
43
43th pctile
Total Assets
Current: $167.8M · Tier avg: $217.5M
43
43th pctile
Total Deposits
Current: $143.5M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
62
62th pctile
Total Loans
Current: $155.8M · Tier avg: $139.2M
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 26.14% · Tier avg: 22.39%
70
70th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
94
94th pctile
Efficiency Ratio
Current: 46.27% · Tier avg: 67.73%
94
94th pctile
Net Interest Margin
Current: 5.32% · Tier avg: 3.85%
99
99th pctile
Return on Assets
Current: 3.29% · Tier avg: 1.08%