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Bank of Hydro


Bank of Hydro is an FDIC insured institution headquartered at 146 W Main St, Hydro, OK 73048.
It was founded in 1903 and has approximately $0 billion in assets. Customers can open an account at one of its 3 branches.

Deposit Rates - February 10, 2026

SAVINGS RATES APY MIN
Savings
0.65% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.65% $10,000 Compare
6 Mo CD
0.65% $100,000 Compare
12 Mo CD
0.70% $10,000 Compare
12 Mo CD
0.70% $100,000 Compare
24 Mo CD
0.75% $10,000 Compare
24 Mo CD
0.75% $100,000 Compare
36 Mo CD
0.85% $10,000 Compare
36 Mo CD
0.85% $100,000 Compare
48 Mo CD
0.95% $10,000 Compare
48 Mo CD
0.95% $100,000 Compare
60 Mo CD
1.00% $10,000 Compare
60 Mo CD
1.00% $100,000 Compare
MM RATES APY MIN
Money Market
0.50% $2,500 Compare
Money Market
0.65% $10,000 Compare
Money Market
0.65% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.45% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 10674
Date Established 1903
Assets $ 165.89 million
Loans $ 147.59 million
Deposits $ 143.00 million
Capital $ 19.62 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 2.87 million
Interest-bearing balances N.A.
Total securities $ 2.84 million
Federal funds sold and reverse repurchase $ 7.10 million
Net loans and leases $ 147.59 million
Loan loss allowance $ 1.43 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 3.00 million
     Total Assets $ 146.27 million

LIABILITIES
Total deposits $ 143.00 million
      Interest-bearing deposits $ 106.20 million
      Deposits held in domestic offices $ 143.00 million
      % insured (estimated)" 80.58%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 1.86 millionn
      Total Liabilities $ 146.27 million
      Shareholders’ Equity $ 19.62 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 9.58 million
Total Interest Expense $ 3.04 million
Net interest income $ 6.55 million
Provision for loan and lease losses $ 0.03 million
Total non interest income $ 0.60 million
Total non interest expense $ 3.26 million
Pre-tax Net Operating Income $ 1.16 million

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Branches

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Bank of Hydro Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    Bank of Hydro
    Bank
    OKLAHOMA
    $50,000
    N.A.
    0.65%
    2.89x (National Avg. - 0.23%)
    $2,500
    -
    SCENARIO
    Year Rate
    0.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 325 228
    2 50,325 327 229
    3 50,652 329 230
    4 50,981 331 232
    5 51,313 334 233
    6 51,646 336 235
    7 51,982 338 237
    8 52,320 340 238
    9 52,660 342 240
    10 53,002 345 241
    11 53,347 347 243
    12 53,693 349 244
    13 54,042 351 246
    14 54,394 354 247
    15 54,747 356 249
    16 55,103 358 251
    17 55,461 360 252
    18 55,822 363 254
    19 56,185 365 256
    20 56,550 368 257
    TOTAL $6,917 $4,842
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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