BlastPoint's Banking Scorecard
Method Bank
Micro
Specialty: Mortgage
OK
FDIC cert 2317
Designations: ✓ Community bank
Wyandotte, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Method Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 15.98% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$244.3M
+48.6% YoY
+1.4% QoQ
|
+$26.8M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$188.9M
+59.1% YoY
+3.6% QoQ
|
+$49.7M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$208.6M
+57.0% YoY
+2.1% QoQ
|
+$24.9M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
0.77%
+8.5% YoY
+8.0% QoQ
|
-0.31% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
4.14%
-7.5% YoY
-0.5% QoQ
|
+0.29% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
65% |
| Efficiency Ratio ? |
58.69%
-20.3% YoY
+1.5% QoQ
|
-9.04% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
0.91%
+70.6% QoQ
|
+0.27% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
90.56%
+1.3% YoY
+1.5% QoQ
|
+16.03% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
6.41%
-12.8% YoY
-9.3% QoQ
|
-15.98% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.74%
+82.7% QoQ
|
+0.28% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
27% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.12%
-32.0% YoY
+30.9% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Micro
Why this stands out
Current:
6.41%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
78
78th pctile
Loan-to-Deposit Ratio
Current: 90.56% · Tier avg: 74.53%
71
71th pctile
Total Loans
Current: $188.9M · Tier avg: $139.2M
71
71th pctile
Efficiency Ratio
Current: 58.69% · Tier avg: 67.73%
65
65th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.85%
62
62th pctile
Total Deposits
Current: $208.6M · Tier avg: $183.7M
61
61th pctile
Total Assets
Current: $244.3M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
32
32th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.08%
31
31th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.64%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.74% · Tier avg: 0.45%
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 6.41% · Tier avg: 22.39%
Top Weaknesses
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 6.41% · Tier avg: 22.39%
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.74% · Tier avg: 0.45%
31
31th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.64%
32
32th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
61
61th pctile
Total Assets
Current: $244.3M · Tier avg: $217.5M
62
62th pctile
Total Deposits
Current: $208.6M · Tier avg: $183.7M
65
65th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.85%
71
71th pctile
Efficiency Ratio
Current: 58.69% · Tier avg: 67.73%
71
71th pctile
Total Loans
Current: $188.9M · Tier avg: $139.2M
78
78th pctile
Loan-to-Deposit Ratio
Current: 90.56% · Tier avg: 74.53%