Total Assets
$244M
Total balance-sheet footings
FDIC Cert #2317 · Wyandotte, Oklahoma · Est. 1902
Method Bank - FDIC Bank Health Profile
A community-scale look at Method Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $244M
- Total assets
- C
- Health grade · Fair
- 0.77%
- Return on assets
- 9.7%
- Tier 1 capital
Data updated July 2026
The verdict
Method Bank earns a PlainBankData health grade of C (60/100), with 9.66% Tier 1 capital, 0.77% ROA, efficient (59% cost ratio).
- #2,765
- largest of 4,313 FDIC banks by assets
- 36th
- percentile by asset size, nationally
- 9.66%
- Tier 1 ratio - below the 10% well-capitalized line
- 28th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Method Bank's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Method Bank's composite health score
Tier 1 Capital Ratio (9.66%) 18/40
Return on Assets (ROA) (0.77%) 14/25
Texas Ratio (6.43%) 16/20
Efficiency Ratio (58.69%) 12/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$209M
Customer-funded liabilities
Net Loans
$189M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Method Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Method Bank's score of 60/100 falls in the highlighted band.
Method Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Method Bank's $244M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.66% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.66%
Texas Ratio
6.43%
Equity Capital
$24M
Profitability metrics
Return on Assets (ROA)
28th percentile nationally
0.77%
Return on Equity (ROE)
7.61%
Efficiency Ratio
58.69%
What the numbers say about Method Bank
Method Bank is an FDIC-insured institution (Certificate #2317) headquartered in Wyandotte, Oklahoma, established in 1902. It holds $244M in total assets - 2,765th of 4,313 FDIC-insured banks, $209M in customer deposits, and $189M in net loans. On safety, its Tier 1 capital ratio of 9.66% is below the 10% well-capitalized threshold, and its Texas Ratio of 6.43% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (60/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Oklahoma, Method Bank ranks 93rd of 172 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$15M
Interest Income
$300K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Method Bank reports a Texas Ratio of 6.43% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.43% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Oklahoma by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Method Bank (FDIC Cert #2317) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Oklahoma
All Oklahoma banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BOKF, National AssociationTulsa | $52.0B | A | 1.10% |
| MidFirst BankOklahoma City | $41.4B | B | 1.19% |
| First United Bank and Trust CompanyDurant | $16.3B | B | 0.97% |
| BancFirstOklahoma City | $12.1B | A | 1.79% |
| InterBankOklahoma City | $5.5B | B | 3.60% |
| Stride Bank, National AssociationEnid | $4.9B | A | 2.10% |
| RCB BankClaremore | $4.1B | A | 1.32% |
| First Fidelity BankOklahoma City | $2.9B | B | 0.94% |
Frequently asked questions
What is Method Bank's health grade?▼
Method Bank receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Method Bank?▼
Method Bank holds $244M in total assets and $209M in deposits, ranking 2,765th of 4,313 FDIC-insured banks by asset size. It is headquartered in Wyandotte, Oklahoma.
Is my money safe at Method Bank?▼
Yes, deposits at Method Bank (Certificate #2317) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Method Bank's Tier 1 Capital Ratio?▼
Method Bank has a Tier 1 Capital Ratio of 9.66%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Method Bank?▼
Method Bank has a Texas Ratio of 6.43%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Method Bank?▼
Method Bank has an Efficiency Ratio of 58.69%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Method Bank's profile as a depositor or analyst.
- Method Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Method Bank against other Oklahoma banks before moving funds. Oklahoma banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.