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Method Bank

$100M-$1B Specialty: Mortgage OK FDIC cert 2317

Wyandotte, OK

2 branches across OK · TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
  • Deposits +7.7% year over year ($204.3M on the books).
  • Delinquency rate 0.71%.
  • Return on assets 1.24%.
  • Efficiency ratio 59.27% vs a 64.48% peer average.
  • Loan-to-deposit ratio 96.31% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK
View $100M-$1B leaderboard (OK) →

Method Bank has 3 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.28% above tier average
  • + Efficiency Ratio 5.21% below tier average
  • + Delinquency Rate 0.21% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 41.2% in tier
  • - Capital Thin: Bottom 48.3% in tier
  • - Non-Interest-Bearing Deposit Share 15.99% below tier average
  • - Non-Interest Income / Assets 0.51% below tier average
  • - ROA 0.08% below tier average
Get updates when Method Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $241.2M
+6.9% YoY -2.8% QoQ
-$145.4M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
35%
Total Loans ? $196.8M
+24.0% YoY +1.7% QoQ
-$61.6M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
47%
Total Deposits ? $204.3M
+7.7% YoY -3.5% QoQ
-$122.4M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
35%
Return on Assets ? 1.24%
+76.1% YoY -10.2% QoQ
-0.08% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
49%
Net Interest Margin ? 4.27%
+2.0% YoY -0.9% QoQ
+0.28% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
69%
Efficiency Ratio ? 59.27%
+1.2% YoY +4.8% QoQ
-5.21% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
59%
Delinquency Rate ? 0.71%
+34.4% YoY +88.3% QoQ
-0.21% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
37%
Loan-to-Deposit Ratio ? 96.31%
+15.1% YoY +5.4% QoQ
+18.36% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
Bottom 14.5% in tier
Non-Interest-Bearing Deposit Share ? 6.04%
+26.9% YoY +12.5% QoQ
-15.99% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
Bottom 4.8% in tier
Nonperforming Asset Ratio ? 0.66%
+78.6% YoY +64.4% QoQ
+0.00% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
32%
Tier 1 Capital Ratio ? 9.80%
-13.6% YoY -4.0% QoQ
-6.11% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
Bottom 8.1% in tier
Non-Interest Income / Assets ? 0.06%
-6.5% YoY +101.5% QoQ
-0.51% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
Bottom 7.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Noninterest-Bearing 6.0%
+1.3pp YoY
+0.7pp QoQ
 -16.1pp 22.1% 23.9% 22.2% 4%
Brokered Deposits 66.8%
+11.2pp YoY
+2.4pp QoQ
 +59.0pp 7.9% 9.7% 8.5% 100%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 11.6%
-3.7pp YoY
0.0pp QoQ
 0.0pp 11.6% 15.7% 12.5% 61%
CRE n/a n/a 39.5% 42.0% 41.4% n/a
1-4 Family 79.7%
+7.9pp YoY
+1.5pp QoQ
 +47.1pp 32.6% 24.0% 31.3% 96%
Consumer 0.1%
-0.1pp YoY
0.0pp QoQ
 -4.1pp 4.1% 5.6% 5.0% 3%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.0% 19.7% n/a
Leverage Ratio 9.8%
-1.5pp YoY
-0.4pp QoQ
 -2.4pp 12.2% 11.7% 12.6% 27%
Total Capital Ratio n/a n/a 19.9% 18.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 22
+2 (+10.0%) YoY
+1 (+4.8%) QoQ
 -37 58 150 482 14%
Assets per Employee ($) $11.0M
-2.8% YoY
-7.2% QoQ
 +$3.4M $7.5M $6.5M $8.8M 90%
Branch Count 2
0 YoY
0 QoQ
 -3 4 8 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.9% 0.4% n/a
Nonaccrual 0.7%
+0.3pp QoQ
 -0.2pp 0.9% 1.5% 1.0% 63%
Allowance Coverage 1.87x
-19.9% YoY
-46.8% QoQ
 -22.28x 24.15x 61.99x 20.23x 46%
Net Charge-off Rate (YTD) 0.0%
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 59%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 12.4%
+5.7pp YoY
-1.6pp QoQ
 +0.2pp 12.2% 11.9% 11.6% 52%
Cost of Funds (YTD) 3.3%
-0.1pp YoY
+0.1pp QoQ
 +1.6pp 1.7% 1.8% 1.7% 99%
Net Income ($, YTD) $1.5M
+118.6% YoY
— QoQ
 -$1.0M $2.6M $8.7M $40.4M 42%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk
#518 of 1256 • Bottom 41.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.71%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Capital Thin

risk
#320 of 661 • Bottom 48.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.80%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

2516
Non-Interest-Bearing Deposit Share
funding
Value: 6.04%
Peer Median: 22.03%
#2516 of 2643 Bottom 4.8% in $100M-$1B
2439
Non-Interest Income / Assets
revenue_mix
Value: 0.06%
Peer Median: 0.57%
#2439 of 2643 Bottom 7.8% in $100M-$1B
2430
Tier 1 Capital Ratio
capital
Value: 9.80%
Peer Median: 15.91%
#2430 of 2643 Bottom 8.1% in $100M-$1B
2260
Loan-to-Deposit Ratio
liquidity
Value: 96.31%
Peer Median: 77.95%
#2260 of 2643 Bottom 14.5% in $100M-$1B
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