Bank Comparison
Stride Bank, N.A. vs Heritage Bank of Commerce
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 12
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Stride Bank, N.A. | Heritage Bank of Commerce |
|---|---|---|
| CET1 Ratio | 18.69% | 13.29% |
| Tier 1 Capital Ratio | 18.69% | 13.29% |
| Total Capital Ratio | 19.81% | 14.49% |
| Tier 1 Leverage Ratio | 8.15% | 9.89% |
| Equity / Assets | 6.66% | 12.59% |
Profitability
| Metric | Stride Bank, N.A. | Heritage Bank of Commerce |
|---|---|---|
| Return on Assets (ROA) | 2.28% | -0.12% |
| Return on Equity (ROE) | 28.72% | -0.97% |
| Net Interest Margin (NIM) | 3.30% | 3.86% |
| Yield on Earning Assets | 3.48% | 4.90% |
| Cost of Funds | 0.16% | 1.15% |
Asset quality
| Metric | Stride Bank, N.A. | Heritage Bank of Commerce |
|---|---|---|
| Texas Ratio | 9.24% | 0.62% |
| Non-Performing Loan Ratio | 0.74% | 0.03% |
| Non-Performing Asset Ratio | 0.64% | 0.02% |
| Net Charge-Off Ratio | 0.10% | 0.07% |
| ACL / Loans | 0.44% | 1.36% |
Balance sheet
| Metric | Stride Bank, N.A. | Heritage Bank of Commerce |
|---|---|---|
| Total Assets | $5,644M | $5,670M |
| Total Deposits | $5,222M | $4,821M |
| Total Loans | $4,864M | $3,601M |
| Total Equity | $375,867K | $713,936K |
| Net Income (quarter) | $26,339K | $-1,758 |
Liquidity & funding
| Metric | Stride Bank, N.A. | Heritage Bank of Commerce |
|---|---|---|
| Loan-to-Deposit Ratio | 93.15% | 74.70% |
| Core Deposit Ratio | 99.45% | 95.15% |
| Uninsured Deposit Ratio | 5.23% | 46.37% |
Identity
| Metric | Stride Bank, N.A. | Heritage Bank of Commerce |
|---|---|---|
| Headquarters City | ENID | San Jose |
| Headquarters State | OK | CA |
| Asset Tier | Large | Large |
| Charter Class | 12044 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 11 | 17 |
| Employees (FTE) | 412 | 333 |
| Established | Jan. 1, 1913, midnight | June 8, 1994, 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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