Method Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Net interest margin: 0.41 percentage points lower than in Q1 2026, at 4.10%. Within Oklahoma, Method Bank is 97th of 169 on net interest margin, 4.10% as of Q2 2026. Method Bank reported 4.10% on net interest margin for Q2 2026, 0.16 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.37% |
| Yield on loans | 8.08% |
| Yield on securities | 3.98% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.73% |
| Cost of interest-bearing deposits | 3.72% |
| Cost of interest-bearing liabilities | 3.76% |
| Cost of borrowings | 4.52% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.10% |
| Yield to cost spread | 3.61% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.0M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.8M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 7.93% | 4.60% | 4.15% | 8.61% | 3.14% |
| Q4 2023 | 8.52% | 4.85% | 4.70% | 9.17% | 4.49% |
| Q1 2024 | 8.52% | 4.65% | 4.57% | 9.28% | 3.64% |
| Q2 2024 | 8.24% | 4.73% | 4.33% | 8.97% | 3.44% |
| Q3 2024 | 8.65% | 4.86% | 4.68% | 9.22% | 6.07% |
| Q4 2024 | 8.16% | 4.34% | 4.56% | 9.18% | 3.43% |
| Q1 2025 | 7.79% | 3.84% | 4.31% | 8.64% | 3.50% |
| Q2 2025 | 8.02% | 3.91% | 4.44% | 8.79% | 3.23% |
| Q3 2025 | 8.04% | 3.91% | 4.42% | 8.80% | 3.93% |
| Q4 2025 | 7.41% | 3.80% | 3.91% | 8.24% | 4.20% |
| Q1 2026 | 7.89% | 3.69% | 4.51% | 8.49% | 3.74% |
| Q2 2026 | 7.37% | 3.73% | 4.10% | 8.08% | 3.98% |
Method Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Method Bank, freeSource: Call Report Schedules RI and RC-K, 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)