# BANK OF HYDRO
HYDRO, OK · FDIC certificate 10674 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $180.8M | |
| Deposits | $156.9M | |
| Loans and leases | $160.9M | |
| Total equity | $20.7M | |
| Loans / deposits | 102.03% (p93 of band) | 73.59% |
| Liquid assets / assets | 8.60% (p2 of band) | |
| Uninsured deposits / deposits | 20.81% (p54 of band) | 19.81% |
| Brokered deposits | 2.77% | |
| Wholesale funding | 2.77% (p63 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.56% (p47 of band) | 11.76% |
| Unrealized securities loss / equity | -13.55% (p32 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 2.70% (p94 of band) | 1.17% |
| Net interest margin | 5.19% (p93 of band) | 3.93% |
| Efficiency ratio | 47.89% (p11 of band) | |
| Noncurrent loans | 0.64% (p60 of band) | 0.36% |
| Net charge-offs (annualized) | -0.04% (p5 of band) | |
| Reserve coverage of noncurrent | 76.43% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 31.50% (p65 of band) | |
| Auto loans | $1.3M (0.82% of loans; DQ 0.53%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.2% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2011-06 | 1 | construction >100% equity | loans exceed deposits, liquid assets <10% |
| 2011-09 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 3 | loans exceed deposits, liquid assets <10% | capital falling |
| 2013-03 | 2 |  | construction >100% equity |
| 2013-06 | 4 | deposits shrinking, assets shrinking |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 3 |  | assets shrinking |
| 2014-03 | 2 |  | deposits shrinking |
| 2014-06 | 2 | uninsured deposits >50%, run vulnerability | loans exceed deposits, liquid assets <10% |
| 2014-09 | 5 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2014-12 | 2 |  | loans exceed deposits, liquid assets <10%, capital falling |
| 2015-03 | 2 |  |  |
| 2015-06 | 4 | loans exceed deposits, liquid assets <10%, deposits shrinking, assets shrinking | uninsured deposits >50%, run vulnerability |
| 2015-09 | 4 |  |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 5 | uninsured deposits leaving |  |
| 2016-06 | 5 | uninsured deposits >50%, run vulnerability | assets shrinking, uninsured deposits leaving |
| 2016-09 | 3 | uninsured deposits leaving | deposits shrinking, uninsured deposits >50%, run vulnerability |
| 2016-12 | 4 | assets shrinking |  |
| 2017-03 | 3 |  | assets shrinking |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | uninsured deposits leaving |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | charge-offs p90 |  |
| 2019-06 | 2 |  | charge-offs p90 |
| 2019-09 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2019-12 | 0 |  | loans exceed deposits, liquid assets <10%, deposits shrinking, uninsured deposits leaving |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 2 | loans exceed deposits, liquid assets <10% | capital falling |
| 2021-12 | 1 |  | loans exceed deposits |
| 2022-03 | 0 |  | liquid assets <10% |
| 2022-06 | 3 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 2 |  | capital falling |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2024-09 | 1 | loans exceed deposits |  |
| 2024-12 | 0 |  | loans exceed deposits |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2025-12 | 6 | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2026-03 | 1 |  | loans exceed deposits, liquid assets <10%, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2026-06 | 4 | loans exceed deposits, liquid assets <10%, capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-06-17 [Relay for Life at SWOSU Raises More Than $20,000 for American Cancer Society - Southwestern Oklahoma State University | SWOSU](https://news.google.com/rss/articles/CBMipwFBVV95cUxPenY4V0YzcFFaVTdrLV9QZUxnUUJGYlJYaWxCZ0xRYmhBeG12b1ZpV0gzTTZrR0dUUEVfb3B6a0c0OWhSWHg3MnN3SjNlU3loS3FINGMwelF6V1VxUDl3NDJwQVpQV21TRTRsUWlxWkpreUNqRFZFTkkyejQwMjJleUpBbmlyMzRqTm9XeFZXelRkMG1HSHh1X2txVDloa3RhSUdHRU90MA?oc=5) · Southwestern Oklahoma State University | SWOSU
- 2019-02-20 [Logan County filings February 20, 2019 - Guthrie News Page](https://news.google.com/rss/articles/CBMidEFVX3lxTFBFdmlVR2NWY0c3WXVybmgtSlBETEJkU2NVc3RrU0phWEh6bkpVdDBFamVjSHZJWGJUX1duR3d2QUU5eWNCcjlvdVotMmgtb2N3bDNBdVhsRk5MdS1nZElEZFFHc0c1U0FTSmkzX1hFMnhxamMt?oc=5) · Guthrie News Page
- 2023-06-29 [Developer seeking $3.8 million from city for a resort has history of unpaid debts, financial disputes - The Oklahoman](https://news.google.com/rss/articles/CBMivwFBVV95cUxPUk1BUmtYaUlxOVlFYTFfSWpRY3VhTDJJck16cnpZam9GNlFvS2Y4SHBta1V1eDVVWjlpcHQ3bTVRaVl5eHJ6eDdVYXpoLUtqWlhLak5oS1VXUktpSS1BMWlkNERhS1BCUWpIdk8wM2NoWGN0ak9ja0Ftby05SFdpZVdDbzBtMzdCUWpJblE1Zi1zUzlRX3U4MlN0QUxLREZuUzl0YXBtQnZuTmpCVjllN053Q2p1d1oyN1NlUmpKTQ?oc=5) · The Oklahoman

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10674 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/50.json (key "10674", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide