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Method Bank

Wyandotte, OK · Cert 2317 · Method Bancshares Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

17

Q2 2024Q2 2026peer median (50)

Asset Quality

43

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

2

Q2 2024Q2 2026peer median

Efficiency

61

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Method Bank

Wyandotte, OK · Cert 2317 · Method Bancshares Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$241.2MAssets
$199.4MLoans
$204.3MDeposits
$24.7MEquity
Loan mix
88%RE $173.6M11%C&I $22.5M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
94%Interest-bearing $192.0M6%Noninterest $12.3MQ2 2025Q2 2026

NIM

7.56%Q2 ’247.08%Q2 ’257.11%Q2 ’26-3%+2%

Non-interest income vs. expense

3.53%Q2 ’242.44%Q2 ’252.50%Q2 ’26-30%+4%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #113 of 166 inst. · $0.2B of $732.8B

0.1% Dallas
3.2% Ottawa

Executive Summary

  • Earnings: ROA of 1.24%, up 54 bps year over year; NIM at 4.02%.
  • Asset quality: problem loans at 0.70% of loans (+18 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 9.80%, down 154 bps from a year ago.
  • Funding: loans stand at 97.59% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.24%+54 bps YoY

Net Interest Margin (YTD, annualized)

4.02%+9 bps YoY

Efficiency Ratio (YTD, annualized)

59.27%+69 bps YoY

Tier 1 Leverage Ratio

9.80%-154 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.72%0.77%1.38%1.24%+54 bps
Return on Equity6.76%6.99%7.61%14.04%12.43%+568 bps
Net Interest Margin3.93%3.85%3.46%4.34%4.02%+9 bps
Efficiency Ratio58.57%57.83%58.69%56.53%59.27%+69 bps
Non-Interest Burden2.30%2.22%2.03%2.45%2.38%+8 bps
Growth
Asset Growth (YoY)91.51%97.32%48.63%23.46%6.93%-8,457 bps
Loan Growth (YoY)81.60%99.17%59.48%33.75%24.08%-5,752 bps
Deposit Growth (YoY)103.02%109.49%57.01%25.24%7.75%-9,528 bps
Asset Quality
Nonperforming Loans / Loans0.52%0.53%0.90%0.37%0.70%+18 bps
Net Charge-Offs / Loans0.00%0.02%0.02%0.06%0.03%+3 bps
Allowance / Loans1.22%1.31%1.36%1.31%1.31%+9 bps
Allowance Coverage of NPLs2.3x2.5x1.5x3.5x1.9x-0.5x
Capital
Tier 1 Leverage Ratio11.34%10.77%9.66%10.21%9.80%-154 bps
Total Risk-Based Capital11.34%10.77%9.66%10.21%9.80%-154 bps
Equity / Assets10.22%9.77%9.87%9.78%10.25%+3 bps
Liquidity & Funding
Loans / Deposits84.74%90.43%91.80%92.57%97.59%+1,285 bps
Liquid Assets / Assets20.46%15.50%16.64%14.52%5.40%-1,506 bps
CRE / Total Capitaln/a93.37%89.69%94.62%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Method Bank

Wyandotte, OK · Cert 2317 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · Method Bancshares Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$241.2MAssets
$199.4MLoans
$204.3MDeposits
$24.7MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 61% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 11 of 28).
  • Widest gap: total risk-based capital ratio trails 93% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 26 of 28).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.26%

Rank 11 of 28

Net Interest Margin

4.02%

Rank 17 of 28

Efficiency Ratio

60.51%

Rank 12 of 28

Equity / Assets

10.25%

Rank 18 of 28

Non-interest income vs. expense

$0.3M$6.1MINCOMEEXPENSE
Unfavorable gap of $5.9M · efficiency ratio beats 61% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 60.51%Peer median 61.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.26%1.12%1.22%1.47%Beats 61%11 / 28
Return on Equity12.26%8.64%12.47%13.41%Beats 46%15 / 28
Net Interest Margin4.02%3.77%4.06%4.51%Beats 39%17 / 28
Efficiency Ratio60.51%57.39%61.94%66.78%Beats 61%12 / 28
Asset Quality
Nonperforming Loans / Loans0.70%n/a0.28%1.06%Beats 36%19 / 28
Net Charge-Offs / Loans0.01%0.00%0.01%0.20%Beats 50%15 / 28
Capital
Tier 1 Capital Ratio9.80%12.55%13.77%17.51%Beats 7%26 / 28
Total Risk-Based Capital Ratio9.80%12.59%14.62%18.18%Beats 7%26 / 28
Equity / Assets10.25%9.58%11.17%13.58%Beats 36%18 / 28
Liquidity & Funding
Loans / Deposits97.59%66.90%84.79%89.14%86th pctl4 / 28
Loans / Assets82.68%57.58%73.59%77.32%93rd pctl2 / 28
Brokered Deposits / Depositsn/aNot reported for this institution