Bank Comparison
Harborone Bank vs Stride Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 17
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Harborone Bank | Stride Bank, N.A. |
|---|---|---|
| CET1 Ratio | 11.34% | 18.69% |
| Tier 1 Capital Ratio | 11.34% | 18.69% |
| Total Capital Ratio | 12.48% | 19.81% |
| Tier 1 Leverage Ratio | 9.41% | 8.15% |
| Equity / Assets | 9.68% | 6.66% |
Profitability
| Metric | Harborone Bank | Stride Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.31% | 2.28% |
| Return on Equity (ROE) | 3.22% | 28.72% |
| Net Interest Margin (NIM) | 2.51% | 3.30% |
| Yield on Earning Assets | 4.91% | 3.48% |
| Cost of Funds | 2.56% | 0.16% |
Asset quality
| Metric | Harborone Bank | Stride Bank, N.A. |
|---|---|---|
| Texas Ratio | 12.32% | 9.24% |
| Non-Performing Loan Ratio | 1.38% | 0.74% |
| Non-Performing Asset Ratio | 1.17% | 0.64% |
| Net Charge-Off Ratio | 0.52% | 0.10% |
| ACL / Loans | 1.05% | 0.44% |
Balance sheet
| Metric | Harborone Bank | Stride Bank, N.A. |
|---|---|---|
| Total Assets | $5,627M | $5,644M |
| Total Deposits | $4,459M | $5,222M |
| Total Loans | $4,789M | $4,864M |
| Total Equity | $544,568K | $375,867K |
| Net Income (quarter) | $4,374K | $26,339K |
Liquidity & funding
| Metric | Harborone Bank | Stride Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 107.40% | 93.15% |
| Core Deposit Ratio | 92.88% | 99.45% |
| Uninsured Deposit Ratio | 32.37% | 5.23% |
Identity
| Metric | Harborone Bank | Stride Bank, N.A. |
|---|---|---|
| Headquarters City | BROCKTON | ENID |
| Headquarters State | MA | OK |
| Asset Tier | Large | Large |
| Charter Class | 0 | 12044 |
| Regulator | FDIC | OCC |
| Domestic Branches | 33 | 11 |
| Employees (FTE) | 486 | 412 |
| Established | July 1, 2013, midnight | Jan. 1, 1913, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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