Bank of Hydro

146 West Main Street
Hydro, OK 73048


General Bank Information

FDIC Insured Yes
FDIC Certificate # 10674
Date Established 1903
Assets $0.12 billion
Loans $0.12 billion
Deposits $0.11 billion
Capital $0.01 billion

Bank of Hydro is an FDIC insured institution located in Hydro, OK. It was founded in 1903 and has approximately $0.12 billion in assets. Customers can open an account at one of its 3 branches.

For a more detailed analysis of Bank of Hydro's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bank of Hydro’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Farm Loans.

Compared to other banks in Oklahoma, Bank of Hydro has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 35.96
Credit Card Loans 0.00
Consumer Auto Loans 1.22
Small Business Loans 0.00
Construction and Development Loans 4.79
Commercial Real Estate 26.99
Commercial and Industrial Loans 4.65
Farm Loans 10.17

Deposit Rates

Your Current Location: Virginia, VA 20146

6 Mo CD 10K
0.75% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA 0K
1.11% $1,000 - Learn MoreShow Less
0.50% $2,500 $9,999 Learn MoreShow Less
MM 10K
0.55% $10,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.20% $1,000 $2,499 Learn MoreShow Less
0.45% $2,500 $24,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Hydro

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
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AmeriSave Mortgage Corporation
NMLS ID: 1168
4.448% 4.375% 0.38 $2,170 $1,249 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
License#: MC-2462
4.439% 4.375% 0.25 $1,898 $1,249 Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.279% 4.250% 0.00 $960 $1,230 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.051% 4.990% 0.38 $1,736 $1,341 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.740% $231.27 Learn More
Flagstar Bank 5.490% $283.58 Learn More

Note to Bank of Hydro
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Bank of Hydro Locations

Financial Details

Bank of Hydro Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Hydro. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Hydro U.S. Bank Average
0.19% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, Bank of Hydro had $27,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $12,719,000 in equity and $1,191,000 in loans loss reserves. That gives it a Texas Ratio of 0.19%.

Return on Equity
Bank of Hydro U.S. Bank Average
25.74% 8.84%

Bank of Hydro has a Return on Equity of 25.74% versus the BestCashCow average of 8.84%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Bank of Hydro U.S. Bank Average
10.25% 12.21%

Bank of Hydro has a Capitalization of 10.25% versus the BestCashCow average of 12.21. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Hydro Balance Sheet Analysis

As of September 30, 2017, Bank of Hydro had assets of $124,098,000, loans of $116,647,000, and deposits of $106,379,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Bank Of Hydro

Branches and Savings

Is Bank Of Hydro FDIC insured?

Yes. It is covered under FDIC Certificate #10674.

Why does Bank Of Hydro pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank Of Hydro CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank Of Hydro a commercial bank?


Where are Bank Of Hydro locations?

See branch locations nearby.

Is Bank Of Hydro open on Saturdays?

Is Bank Of Hydro open on Sundays?

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Are Bank Of Hydro ATMs Open 24/7?

Do Bank Of Hydro ATMs accept cash deposits?

Can Bank Of Hydro customers use other ATMs?

Do Bank Of Hydro branches have notaries?

Will Bank Of Hydro notarize my document?

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Will the Bank Of Hydro branch print checks?

Do Bank Of Hydro checks expire?

Does Bank Of Hydro require US citizenship to open account?

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Does Bank Of Hydro Report to credit bureaus?

Does Bank Of Hydro Use Equifax?

What is Bank Of Hydro's ACH Routing Number?

What is Bank Of Hydro's SWIFT code?


Does Bank Of Hydro offer mortgages?

Compare mortgage rates here.

Does Bank Of Hydro offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of Hydro offer personal loans?

Compare personal loan rates here.

Does Bank Of Hydro offer student loans?

Will Bank Of Hydro cash a check?

Will Bank Of Hydro redeem a savings bond?

Does Bank Of Hydro cash savings bonds?

Will Bank Of Hydro cash money orders?

Can Bank Of Hydro issue a money order?

Does Bank Of Hydro do currency exchange?

Background on The Bank

Who owns Bank Of Hydro?

How long has Bank Of Hydro been around?

Can Bank Of Hydro transfer to other banks?

Does Bank Of Hydro have quick pay?

Does Bank Of Hydro accept rolled coins?

Will Bank Of Hydro accept loose change?

Where is Bank Of Hydro headquarters?

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