Method Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 165.13 percentage points lower than in Q1 2026, at 187.34%. Within Oklahoma, Method Bank is 119th of 169 on return on assets, 1.08% as of Q2 2026. Method Bank reported 1.08% on return on assets for Q2 2026, 0.17 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.80% |
| Equity capital to assets | 10.25% |
| Tangible equity to tangible assets | 9.99% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.70% |
| Non-performing assets ratio | 0.66% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 6.01% |
| Allowance for credit losses to loans | 1.31% |
| Reserve coverage of non-performing loans | 187.34% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.08% |
| Return on equity | 10.88% |
| Net interest margin | 4.10% |
| Efficiency ratio | 62.08% |
| Yield on earning assets | 7.37% |
| Cost of funds | 3.73% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.59% |
| Core deposits to total deposits | 30.02% |
| Brokered deposits to total deposits | 66.82% |
| Deposits to assets | 84.72% |
| Securities to assets | 0.16% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.80% | 0.15% | 4.15% | 0.18% | -0.01% |
| Q4 2023 | 10.22% | 2.35% | 4.70% | 0.01% | 0.09% |
| Q1 2024 | 9.78% | 0.60% | 4.57% | 0.11% | -0.01% |
| Q2 2024 | 9.55% | 0.65% | 4.33% | 0.01% | 0.00% |
| Q3 2024 | 9.72% | 1.19% | 4.68% | 0.00% | 0.00% |
| Q4 2024 | 11.90% | 0.51% | 4.56% | 0.00% | 0.00% |
| Q1 2025 | 10.74% | 0.67% | 4.31% | 0.00% | 0.00% |
| Q2 2025 | 11.34% | 0.81% | 4.44% | 0.00% | 0.00% |
| Q3 2025 | 10.77% | 0.80% | 4.42% | 0.00% | 0.08% |
| Q4 2025 | 9.66% | 0.90% | 3.91% | 0.27% | 0.01% |
| Q1 2026 | 10.21% | 1.47% | 4.51% | 0.37% | 0.06% |
| Q2 2026 | 9.80% | 1.08% | 4.10% | 0.70% | 0.00% |
Method Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Method Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)