Stride Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 7.89 percentage points higher than in Q1 2026, at 101.04%. Among 169 Oklahoma banks, Stride Bank, N.A. sits 13th from the top on loan-to-deposit ratio, 101.04% as of Q2 2026. Stride Bank, N.A. reported 101.04% on loan-to-deposit ratio for Q2 2026, 12.84 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $5.01B |
| Net loans and leases | $4.99B |
| Loans held for sale | $462.0M |
| Loans to total assets | 92.45% |
| Loan-to-deposit ratio | 101.04% |
| Net loans to equity capital | 12.68% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.82% |
| Multifamily (5+ residential) | 0.33% |
| Commercial and industrial | 5.38% |
| Consumer | 58.85% |
| Credit cards | 58.14% |
| Farm | 2.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 214.88% |
| Construction concentration (Tier 1 capital + allowance) | 20.84% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 3.29% |
| Interest income on loans | $32.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.36B | $2.99B | 20.71% | 9.66% | 55.70% |
| Q4 2023 | $2.80B | $3.41B | 19.90% | 8.48% | 56.99% |
| Q1 2024 | $3.30B | $4.28B | 17.50% | 6.93% | 61.35% |
| Q2 2024 | $3.07B | $3.72B | 20.60% | 8.04% | 55.13% |
| Q3 2024 | $3.17B | $3.43B | 20.75% | 7.52% | 54.80% |
| Q4 2024 | $3.34B | $3.60B | 20.09% | 7.46% | 53.91% |
| Q1 2025 | $3.60B | $4.00B | 19.54% | 6.16% | 56.77% |
| Q2 2025 | $3.43B | $3.42B | 22.13% | 6.33% | 52.37% |
| Q3 2025 | $3.45B | $3.46B | 22.49% | 7.19% | 50.42% |
| Q4 2025 | $4.14B | $4.46B | 20.30% | 6.06% | 53.74% |
| Q1 2026 | $4.86B | $5.22B | 17.36% | 5.62% | 60.53% |
| Q2 2026 | $5.01B | $4.96B | 17.82% | 5.38% | 58.85% |
Stride Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Stride Bank, N.A., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Stride Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4091) · FFIEC NIC profile (RSSD 278555)