Stride Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Stride Bank, N.A. is an FDIC-insured commercial bank headquartered in Enid, OK, established in 1913 (FDIC certificate 4091), and it is supervised by the OCC. At Q2 2026 it reported total assets of $5.42B, up 42.0% from Q2 2025, the 5th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 18.76% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4091
- Headquarters
- Enid, OK
- Established
- 1913
- Total assets, Q2 2026
- $5.42B
- Assets vs Q2 2025
- +42.0%
- CET1 ratio, Q2 2026
- 18.76%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 103100195
- Latest call report
- Q2 2026, FFIEC 041 · Stride Bank, N.A. call report
- Holding company
- CENTRAL SERVICE CORPORATION
- Asset rank in state
- 5th of 169 in Oklahoma
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 0.48% and a Texas ratio of 5.85%. The figures come from its call report filed with the FFIEC.
Stride Bank, N.A. ranks as the 5th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 4.0% to $5.42B, loans rose 3.0% and deposits fell 5.1%. Credit card loans made up 58.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 15.6%. The FDIC Summary of Deposits lists 11 offices for it, in 8 cities across 2 states; its Enid 3 offices book 94% of its branch deposits. By the capital ratios in its Q2 2026 call report, Stride Bank, N.A. meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 11 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Stride Bank, N.A.'s total assets moved between a low of $3.21B (Q3 2023) and a high of $5.64B (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$5.42B total assets against $3.82B; $5.02B total liabilities against $3.49B.
$4.99B net loans and leases against $3.41B; $4.96B total deposits against $3.42B.
$62.1M securities against $76.0M; $303.0M cash and balances due against $274.2M.
$37.6M total interest income against $32.4M; $2.1M total interest expense against $2.0M.
$35.6M net interest income against $30.4M.
$27.7M total noninterest income against $21.6M; $29.3M total noninterest expense against $23.6M.
$39K provision for credit losses against $1.2M.
$25.7M net income against $20.6M.
2.19% return on assets against 2.32%; 3.16% net interest margin against 3.62%.
18.76% CET1 capital ratio against 19.24%; 8.37% tier 1 leverage ratio against 9.29%.
Inside the full Stride Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 265 of 4,196, for total assets; its furthest is 955 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.19% (Q2 2026) to 2.54% (Q3 2025) and its net interest margin ran from 3.16% (Q2 2026) to 3.91% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.76% | 2.19% | 0.48% | 5.85% | 3.16% |
| Q1 2026 | 18.69% | 2.28% | 0.60% | 7.35% | 3.30% |
| Q4 2025 | 17.56% | 2.48% | 0.76% | 8.38% | 3.90% |
| Q3 2025 | 19.32% | 2.54% | 0.58% | 5.72% | 3.91% |
| Q2 2025 | 19.24% | 2.32% | 0.73% | 7.22% | 3.62% |
| Q1 2025 | 18.86% | 2.37% | 0.69% | 7.38% | 3.61% |
| Q4 2024 | 18.27% | 2.35% | 0.61% | 6.03% | 3.55% |
| Q3 2024 | 18.49% | 2.25% | 0.67% | 6.63% | 3.55% |
Swipe the table sideways to see every column.
Branch Network
View all 11 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 192 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Stride Bank, N.A. headquartered?
It is headquartered in Enid, OK, United States.
When was Stride Bank, N.A. founded?
It was established in 1913, per the FDIC institution directory.
Is Stride Bank, N.A. FDIC-insured?
Yes. It 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.
What is Stride Bank, N.A.'s CET1 capital ratio?
It 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?
It operates 11 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?
Its Texas Ratio is 5.85% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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