Method Bank
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Data as of · sourced from FFIEC call reports. How we update
Method Bank is an FDIC-insured commercial bank headquartered in Wyandotte, OK, established in 1902 (FDIC certificate 2317), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $241.2M, up 6.9% from Q2 2025, the 93rd largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.80% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 2317
- Headquarters
- Wyandotte, OK
- Established
- 1902
- Total assets, Q2 2026
- $241.2M
- Assets vs Q2 2025
- +6.9%
- Tier 1 leverage ratio, Q2 2026
- 9.80%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 103109206
- Holding company
- METHOD BANCSHARES, INC.
- Asset rank in state
- 93rd of 169 in Oklahoma
Method Bank pays more for its money than most banks of its size. Its balance sheet stood at $241 million at June 30, 2026, up 6.9% from a year earlier; it is based in Wyandotte, Oklahoma. It pays an average of 3.73% on its deposits and borrowings, about double the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also grew its loan book 24.1% over the year, 4.4 times the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $666,000, 66% above the same quarter a year earlier. Over the same year, loans grew 24.1% and deposits grew 7.7%. One more trend to watch: the commercial and industrial book ($23 million) is worsening: 3.10% of it is past due or on nonaccrual, up from 0.44% a year earlier.
As of June 30, 2026, Method Bank reported a return on assets of 1.08%, a nonperforming-loan ratio of 0.70% and a Texas ratio of 6.01%. The figures come from its call report filed with the FFIEC.
Method Bank ranks as the 93rd largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.8% to $241.2M, loans rose 1.7% and deposits fell 3.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 78.7% of total loans, ahead of commercial and industrial loans at 11.4%. Its 2 offices in the FDIC Summary of Deposits are in Dallas, TX and Wyandotte, OK; its Dallas office books 89% of its branch deposits. By the capital ratios in its Q2 2026 call report, Method Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2 E Broadway, Wyandotte, OK 74370
- County
- Ottawa
- Metro Area
- Miami, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 27, 1902
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $204.3M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- $28K
- Average total assets
- $246.1M
- Average total loans
- $198.9M
- Average interest-bearing deposits
- $186.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2317
- Fed RSSD
- 59754
- SEC CIK
- 2032785 → filed by METHOD BANCSHARES, INC.
- Website
- www.method.bank →
- Parent Holding Company
- METHOD BANCSHARES, INC. (RSSD 5786868)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Method Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Method Bank's total assets ranged from $95.0M (Q3 2023) to $248.0M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$241.2M total assets against $225.5M; $216.5M total liabilities against $202.5M.
$196.8M net loans and leases against $158.7M; $204.3M total deposits against $189.6M.
$394K securities against $644K; $31.4M cash and balances due against $54.5M.
$4.4M total interest income against $3.8M; $1.9M total interest expense against $1.7M.
$2.4M net interest income against $2.1M.
$71K total noninterest income against $74K; $1.6M total noninterest expense against $1.3M.
$55K provision for credit losses against $267K.
$666K net income against $401K.
1.08% return on assets against 0.81%; 4.10% net interest margin against 4.44%.
9.80% tier 1 leverage ratio against 11.34%.
Inside the full Method Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMethod Bank rankings
Its closest position to the top of a national ranking is 1,117 of 3,640, for Texas Ratio; its furthest is 2,752 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.51% (Q4 2024) to 1.47% (Q1 2026) and its net interest margin ran from 3.91% (Q4 2025) to 4.68% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.80% | 1.08% | 0.70% | 6.01% | 4.10% |
| Q1 2026 | 10.21% | 1.47% | 0.37% | 3.84% | 4.51% |
| Q4 2025 | 9.66% | 0.90% | 0.90% | 6.94% | 3.91% |
| Q3 2025 | 10.77% | 0.80% | 0.53% | 3.86% | 4.42% |
| Q2 2025 | 11.34% | 0.81% | 0.52% | 3.47% | 4.44% |
| Q1 2025 | 10.74% | 0.67% | 0.01% | 0.10% | 4.31% |
| Q4 2024 | 11.90% | 0.51% | 0.02% | 0.13% | 4.56% |
| Q3 2024 | 9.72% | 1.19% | 0.08% | 1.05% | 4.68% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Dallas Branch | Dallas , TX | 75205 | $181.7M |
| Method Bank (main office) | Wyandotte , OK | 74370 | $22.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 186 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $75K approved, $75K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Method Bank
What are Method Bank's total assets?
As of the Q2 2026 filing, Method Bank reported total assets of $241.2 million in its FFIEC call report.
Where is Method Bank headquartered?
It is headquartered in Wyandotte, OK, United States.
When was Method Bank founded?
It was established in 1902, per the FDIC institution directory.
Is Method Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2317). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Method Bank?
Method Bank's primary federal regulator is the Federal Reserve.
How many branches does Method Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Method Bank's Texas Ratio?
Its Texas Ratio is 6.01% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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