| Metric | Method Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +4.4% | +2.6 pts |
| Deposit growth (YoY) | +7.8% | +4.0% | +3.8 pts |
| Loan growth (YoY) | +24.0% | +5.6% | +18.4 pts |
| ROA | 1.24% | 1.24% | +0.0 pts |
| ROE | 12.4% | 11.9% | +0.6 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $241.2M | $204.3M | $196.8M | $24.7M | $1.5M | 1.24% | 4.27% | 0.66% |
| Q1 2026 | $248.0M | $211.8M | $193.5M | $24.3M | $849K | 1.38% | 4.31% | 0.40% |
| Q4 2025 | $244.3M | $208.6M | $188.9M | $24.1M | $1.7M | 0.77% | 4.14% | 0.74% |
| Q3 2025 | $240.9M | $204.2M | $182.2M | $23.5M | $1.1M | 0.72% | 4.17% | 0.40% |
| Q2 2025 | $225.5M | $189.6M | $158.7M | $23.0M | $693K | 0.70% | 4.18% | 0.37% |
| Q1 2025 | $200.9M | $169.1M | $144.9M | $19.4M | $292K | 0.64% | 4.16% | 0.01% |
| Q4 2024 | $164.4M | $132.8M | $118.7M | $19.1M | $902K | 0.71% | 4.48% | 0.02% |
| Q3 2024 | $122.1M | $97.5M | $91.7M | $12.2M | $705K | 0.80% | 4.55% | 0.11% |
Loan mix (Q2 2026): real estate $176.6M · commercial $22.8M · consumer $103K · securities $394K
| Ratio | Method Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.24% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 11.9% | 53rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.3% | 62.9% | 39th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Method Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Method Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Method Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Method Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Method Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 2 counties across 2 states (+0 vs 2024) · $189.6M branch deposits. Biggest market: Dallas, TX, ranked 76th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dallas, TX | 1 | $136.8M | 0.05% | 76th |
| Ottawa, OK | 1 | $52.8M | 6.32% | 6th |
Texas: 460th with 0.01% · Oklahoma: 199th with 0.03% · Dallas-Fort Worth-Arlington metro: 140th, 0.02% ·
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2