Method Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (Tier 1 capital + allowance) dropped 16.23 percentage points in Q2 2026, from 51.98% to 35.75%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Method Bank is 22nd of 169 on loan-to-deposit ratio, 97.59% as of Q2 2026. Method Bank reported 97.59% on loan-to-deposit ratio for Q2 2026, 17.04 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $199.4M |
| Net loans and leases | $196.8M |
| Loans held for sale | $0 |
| Loans to total assets | 82.68% |
| Loan-to-deposit ratio | 97.59% |
| Net loans to equity capital | 7.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.10% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 11.42% |
| Consumer | 0.05% |
| Credit cards | 0.00% |
| Farm | 0.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 61.65% |
| Construction concentration (Tier 1 capital + allowance) | 35.75% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 8.08% |
| Interest income on loans | $4.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $72.2M | $72.4M | 11.67% | 11.02% | 0.97% |
| Q4 2023 | $79.9M | $88.0M | 10.54% | 10.37% | 0.77% |
| Q1 2024 | $83.5M | $93.7M | 8.77% | 14.21% | 0.74% |
| Q2 2024 | $88.5M | $93.4M | 8.07% | 14.50% | 0.58% |
| Q3 2024 | $92.7M | $97.5M | 8.65% | 17.79% | 0.41% |
| Q4 2024 | $120.1M | $132.8M | 6.86% | 16.51% | 0.34% |
| Q1 2025 | $146.6M | $169.1M | 5.58% | 16.08% | 0.23% |
| Q2 2025 | $160.7M | $189.6M | 7.57% | 15.06% | 0.16% |
| Q3 2025 | $184.6M | $204.2M | 4.53% | 11.71% | 0.09% |
| Q4 2025 | $191.5M | $208.6M | 4.58% | 12.17% | 0.07% |
| Q1 2026 | $196.0M | $211.8M | 4.44% | 11.45% | 0.06% |
| Q2 2026 | $199.4M | $204.3M | 5.10% | 11.42% | 0.05% |
Method Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Method Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Method Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2317) · FFIEC NIC profile (RSSD 59754)