OK lenders / Community Bank
Bank of Hydro
Community Bank · Hydro, OK · Hydro Bancshares Inc
- Total assets
- $181.5M
- CRE loan book
- $53.6M
- QoQ CRE growth
- -0.9%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.79% as of Q1 2026 — TX bank median 4.87% (2.93pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.79% | 7.76% |
| Q4 2025 | 7.97% | 7.96% |
| Q3 2025 | 8.19% | 8.20% |
| Q2 2025 | 8.15% | 8.17% |
| Q1 2025 | 8.15% | 8.14% |
| Q4 2024 | 8.33% | 8.41% |
| Q3 2024 | 8.46% | 8.54% |
| Q2 2024 | 8.21% | 8.33% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $53.6M | $8.6M | $6.9M | 103% | $0 |
| Q4 2025 | $54.2M | $7.8M | $7.2M | 103% | $0 |
| Q3 2025 | $54.8M | $7.9M | $7.3M | 105% | $0 |
| Q2 2025 | $54.0M | $8.6M | $7.4M | 107% | $0 |
| Q1 2025 | $54.4M | $8.6M | $7.4M | 110% | $0 |
| Q4 2024 | $49.4M | $7.2M | $7.7M | 108% | $0 |
| Q3 2024 | $48.7M | $6.9M | $7.4M | 106% | $0 |
| Q2 2024 | $48.6M | $7.1M | $7.4M | 108% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.