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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