# METHOD BANK
WYANDOTTE, OK · FDIC certificate 2317 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $241.2M | |
| Deposits | $204.3M | |
| Loans and leases | $199.4M | |
| Total equity | $24.7M | |
| Loans / deposits | 96.31% (p88 of band) | 73.59% |
| Liquid assets / assets | 13.17% (p8 of band) | |
| Uninsured deposits / deposits | 5.80% (p4 of band) | 19.81% |
| Brokered deposits | 56.61% | |
| Wholesale funding | 60.76% (p100 of band) | |
| FHLB advances / assets | 4.15% | |
| Tier 1 leverage | 9.80% (p21 of band) | 11.76% |
| Unrealized securities loss / equity | -0.19% (p88 of band) | -6.57% |
| AOCI / equity | 0.19% (p91 of band) | |
| ROA (annualized) | 1.24% (p54 of band) | 1.17% |
| Net interest margin | 4.27% (p66 of band) | 3.93% |
| Efficiency ratio | 59.27% (p33 of band) | |
| Noncurrent loans | 0.70% (p63 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p73 of band) | |
| Reserve coverage of noncurrent | 187.34% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 38.58% (p71 of band) | |
| Auto loans | $59,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.8% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | leverage <7% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | leverage <7% |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2013-03 | 2 | assets shrinking | uninsured deposits leaving |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | reserve under noncurrent |  |
| 2013-12 | 1 |  | deposits shrinking, reserve under noncurrent |
| 2014-03 | 1 | capital falling | assets shrinking |
| 2014-06 | 1 | uninsured deposits leaving | capital falling |
| 2014-09 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2014-12 | 1 | capital falling | reserve under noncurrent |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 4 | capital falling |  |
| 2016-06 | 1 | reserve under noncurrent | deposits shrinking, assets shrinking, uninsured deposits leaving, capital falling |
| 2016-09 | 1 | charge-offs p90 | reserve under noncurrent |
| 2016-12 | 0 |  | charge-offs p90 |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-03 | 4 | charge-offs p90 |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving, charge-offs p90 |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 4 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2020-06 | 3 | noncurrent p90, reserve under noncurrent | capital falling, deposits shrinking, assets shrinking |
| 2020-09 | 2 |  | noncurrent p90 |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | charge-offs p90 | uninsured deposits leaving |
| 2021-06 | 3 | losing money, expense ratio p90 | reserve under noncurrent |
| 2021-09 | 5 | capital falling, auto book souring |  |
| 2021-12 | 6 | loans exceed deposits, construction >100% equity | auto book souring |
| 2022-03 | 5 | wholesale funding >15% | charge-offs p90, loans exceed deposits |
| 2022-06 | 6 | brokered >10%, charge-offs p90 | construction >100% equity |
| 2022-09 | 6 |  |  |
| 2022-12 | 5 |  | capital falling |
| 2023-03 | 5 | construction >100% equity | expense ratio p90 |
| 2023-06 | 4 |  | construction >100% equity |
| 2023-09 | 4 | construction >100% equity | charge-offs p90 |
| 2023-12 | 2 |  | losing money, construction >100% equity |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | capital falling |  |
| 2024-09 | 2 |  | capital falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | uninsured deposits leaving |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | capital falling |  |
| 2026-03 | 3 |  | capital falling |
| 2026-06 | 2 |  | uninsured deposits leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-10-31 [Logan County filings October 24, 2022 - Guthrie News Page](https://news.google.com/rss/articles/CBMic0FVX3lxTE5FdWNEZkdBZ2h0VTVCT29oNVZINzJzS0JpQWMxOVFCMWZUeTJWcDZHMXNtSXEwb0NuNVNZbklnNVNUTjNGTFkxT1RwT0VzTFl4UXZsSDRyNUNmZ1F0Yl9GYlM3bElqUXBkbjc4QXYyS0o4TTg?oc=5) · Guthrie News Page
- 2021-09-28 [OKSTABLE’s Gift Giving Two-fer - citynewsokc.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOMU8wakN3a0N3SjU5Vl85RlZ5V1FFdnNUMDQzaWlXY3ZwYnJEaU5fWU10b0p4LW1CMnJmNTduOTVNZzFuZXBHbjRZcmZFN09td3NpVDdFSUpSb1piY3ItVW9vNF9YRXlnVVV1OWROOG0taE9wTmxJZ3RlNlFlWW00UFphNTVNZnlnbHhtUmNXS184YlhmdGREWGdzYk5hUndCclRsSk42UjNKbjBMaWM1Ynd3S1FTY2Ri?oc=5) · citynewsokc.com
- 2024-10-02 [Logan County filings October 1, 2024 - Guthrie News Page](https://news.google.com/rss/articles/CBMickFVX3lxTE5jYVpTT2JWenpLSmFxVng4emEtNkpna1FSOE91d2VRTHVnb2RoS2hVRzFScEJTV1JRc3lEeW10R1VuUENJb0RZUFk2ejhsSlVQXzZKSzhNMi1pOUVaY1Noc2t3MW4yLUNoSHhVV2FEbHloQQ?oc=5) · Guthrie News Page
- 2026-03-09 [How to Withdraw Money from OKX: Secure Step-by-Step Guide - OKX](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE4yaG9LeEgxand3LVRmb3RJMGZUXzhlbUdjNmFTbXNYTmxYYlJJdXFPVlVoVkdzMEppQ1lLSDBjVVJhS0xTNjZRT3h4UzNTMFk0U0YyV0dYUjd1am9OZEkwd1FORk45eVk?oc=5) · OKX
- 2022-12-12 [How to Sell Large Amounts of Bitcoin? Best Ways To Cash Out BTC in 2024 - Changelly](https://news.google.com/rss/articles/CBMickFVX3lxTFBfTUZFN19vd3hzMy1GcFhEU05fSEs3MDdqdVBMbTZjNUpBTTJpWldVcFNxUXFLQmIzTWVvM2NtaW9kMW1nQ0VlSVk5VmdXRkdlTmp0QjdUSTM1MklFZzYzR0R5WllaaFRJMWhoaEN2aGtZUQ?oc=5) · Changelly
- 2026-09-04 [Dafabet Payment Methods India 2026: Deposit & Withdrawal Guide - toffeeweb.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE51SHVRc3FJZ2tCWC1ib0o3V3Q5U3JhODFIVDdjLTVmRGQxQ0pjbkwtUGR4Z2hBMmxDUDhuMlFGeDdXOTNVWEhLY2tQUER1ZkM0T3VseGI2dHYtWkF4amZZaktPeUg?oc=5) · toffeeweb.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2317 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/13.json (key "2317", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide