Bank Of Hydro vs Liberty National Bank
Comparing a Bank in Hydro, OK with a Bank in Lawton, OK using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Bank Of Hydro ↗ Bank · Hydro, OK · Est. 1903 | Liberty National Bank ↗ Bank · Lawton, OK · Est. 1902 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Hydro, OK | Lawton, OK |
| Total assets | $181.5M | $1.3B |
| Capital ratio | 11.2% | 10.1% |
| Return on assets | 2.7% | 2.1% |
| Deposits | $158.0M | $1.2B |
| Branches | 4 | 9 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 170 | #2 of 170 |
| Established | 1903 | 1902 |
Bank Of Hydro
- Assets: $181.5M
- Deposits: $158.0M
- Capital ratio: 11.2%
- Return on assets: 2.7%
- CFPB complaints: 0
- State rank: #1 of 170
Liberty National Bank
- Assets: $1.3B
- Deposits: $1.2B
- Capital ratio: 10.1%
- Return on assets: 2.1%
- CFPB complaints: 0
- State rank: #2 of 170
Are both institutions federally insured?
Yes. Bank Of Hydro is FDIC-insured and Liberty National Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Bank Of Hydro or Liberty National Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Bank Of Hydro scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Bank Of Hydro safe?
Yes — Bank Of Hydro is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Liberty National Bank safe?
Yes — Liberty National Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Bank Of Hydro vs Liberty National Bank?
Bank Of Hydro has a capital ratio of 11.2%, placing it in the top 35% of $100M–1B peers. Liberty National Bank's ratio is 10.1%, placing it in the bottom 47% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Bank Of Hydro have compared to Liberty National Bank?
The CFPB database shows 0 complaints against Bank Of Hydro, and 0 complaints against Liberty National Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Bank Of Hydro with other Banks in Oklahoma
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
