Stride Bank, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Stride Bank, N.A. is one of the more profitable banks of its size. It reported $5.4 billion in assets at June 30, 2026, up 42.0% from a year earlier. It earns about $2.19 a year on every $100 of assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also pays an average of 0.16% on its deposits and borrowings, a small fraction of the median of 2.01% for banks its size. Much of that comes from cost control: it spends about 46 cents to bring in each dollar of revenue.
Net income for the quarter rose 25% from a year earlier, to $26 million. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.48% of loans, down from 0.73% a year earlier. Where it has less room is capital: it funds 8.37% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.52%).
As of June 30, 2026, Stride Bank, N.A. reported a CET1 capital ratio of 18.76%, a return on assets of 2.19%, a nonperforming-loan ratio of 0.57% and a Texas ratio of 5.85%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 324 W Broadway Ave, Enid, OK 73701
- County
- Garfield
- Metro Area
- Enid, OK
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1913
- Former names
- Central National Bank & Trust Co., Enid, OK (1969-2019); Central National Bank and Trust of Enid (1960-1969)
- Offices
- 10 domestic
- Employees (FTE)
- 433
- Domestic deposits
- $4.96B
- Allowance for credit losses
- $21.2M
- Net charge-offs (YTD)
- $1.0M
- Average total assets
- $4.70B
- Average total loans
- $3.91B
- Average interest-bearing deposits
- $422.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4091
- Fed RSSD
- 278555
- SEC CIK
- 1872218 → filed by CENTRAL SERVICE CORPORATION
- Website
- www.stridebank.com →
- Parent Holding Company
- CENTRAL SERVICE CORPORATION (RSSD 1051465)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Stride Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Stride Bank, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Stride Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.76% | 2.19% | 0.57% | 5.85% | 3.16% |
| Q1 2026 | 18.69% | 2.28% | 0.74% | 7.35% | 3.30% |
| Q4 2025 | 17.56% | 2.48% | 1.06% | 8.38% | 3.90% |
| Q3 2025 | 19.32% | 2.54% | 1.01% | 5.72% | 3.91% |
| Q2 2025 | 19.24% | 2.32% | 0.75% | 7.22% | 3.62% |
| Q1 2025 | 18.86% | 2.37% | 0.65% | 7.38% | 3.61% |
| Q4 2024 | 18.27% | 2.35% | 0.58% | 6.03% | 3.55% |
| Q3 2024 | 18.49% | 2.25% | 0.63% | 6.63% | 3.55% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 11 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Stride Bank, N.A. (main office) | Enid , OK | 73701 | $4.59B |
| Tulsa Branch | Tulsa , OK | 74137 | $111.0M |
| West Willow Branch | Enid , OK | 73703 | $68.1M |
| 2730 Williams Street Branch | Woodward , OK | 73801 | $54.6M |
| Blackwell Branch | Blackwell , OK | 74631 | $50.4M |
| Oklahoma City Branch | Oklahoma City , OK | 73103 | $35.2M |
| Mooreland Branch | Mooreland , OK | 73852 | $33.3M |
| Southeast Washington Boulevard Branch | Bartlesville , OK | 74006 | $16.0M |
| Salt Lake Branch | Salt Lake City , UT | 84111 | $1.6M |
| Express Branch | Blackwell , OK | 74631 | $0 |
| Drive-In Branch | Enid , OK | 73701 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 6, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 6, 1997 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 30, 1991 | Structure Change | Acquired First National Bank and Trust Company, Blackwell, Oklahoma Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 29, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for Stride Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action January 8, 2018. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 3.3% of deposits in OK, rank 8 of 194 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 5,737 applications, 1,775 loans originated, $616.6M originated, across 49 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $437K approved, $218K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Stride Bank, N.A.
What are Stride Bank, N.A.'s total assets?
As of the Q2 2026 filing, Stride Bank, N.A. reported total assets of $5.42 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Stride Bank, N.A. headquartered?
Stride Bank, N.A. is headquartered in Enid, OK, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Stride Bank, N.A. founded?
Stride Bank, N.A. was established in 1913, per the FDIC institution directory.
Is Stride Bank, N.A. FDIC-insured?
Yes. Stride Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #4091). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Stride Bank, N.A.?
Stride Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Stride Bank, N.A.'s CET1 capital ratio?
Stride Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 18.76% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Stride Bank, N.A. operate?
Stride Bank, N.A. operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Stride Bank, N.A.'s Texas Ratio?
Stride Bank, N.A.'s Texas Ratio is 5.85% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Stride Bank, N.A. previously called?
The charter now named Stride Bank, N.A. has also operated as Central National Bank & Trust Co., Enid, OK (1969-2019), Central National Bank and Trust of Enid (1960-1969), per FDIC structure-change records.
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