Stride Bank, National Association
Enid, Oklahoma, Garfield County
$5.4B in total assets, the 279th largest of 4,309 US banks and 5th of 171 headquartered in Oklahoma.
- FDIC certificate
- 4091
- Established
- 1913
- Owned by
- Central Service Corp
- Primary regulator
- OCC
- Website
- www.stridebank.com
At a glance
Compared with 20 banks headquartered in Oklahoma with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $5.4B | 98% | $1.6B | |
| Loans | $5.0B | 98% | $1.2B | |
| Deposits | $5.0B | 98% | $1.2B | |
| Return on assets | 2.05% | 70% | 1.38% | |
| Net interest margin | 2.95% | 5% | 3.99% | |
| Efficiency ratio | 43.7% | 5% | 60.6% | |
| Equity to assets | 7.26% | 5% | 10.43% | |
| Loans to deposits | 101% | 85% | 94% |
Growth
Total assets grew 23.4% a year over the last 5 years and 24.6% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 1997 | First State Bank Woodward, OK | $32M |
| Aug 1991 | First National Bank and Trust Company, Blackwell, Oklahoma Blackwell, OK | $33M |
Where they operate
11 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Garfield County, OK | $4.7B | 79.6% | 1 of 14 |
| Tulsa County, OK | $111M | 0.3% | 35 of 52 |
| Woodward County, OK | $88M | 9.0% | 6 of 8 |
| Kay County, OK | $50M | 3.8% | 6 of 8 |
| Oklahoma County, OK | $35M | 0.1% | 51 of 60 |
| Washington County, OK | $16M | 1.6% | 9 of 10 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (10 to 11, +10.0%). 3 opened, 0 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 10 | |||
| 2019 | Opened Oklahoma City and Salt Lake City | 2 | 0 | +2 | 12 |
| 2020 | Opened Oklahoma CityClosed Oklahoma City | 1 | 1 | 0 | 12 |
| 2021 | Closed Enid | 0 | 1 | −1 | 11 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Consumer | 59% | 2% | |
| Commercial real estate | 18% | 37% | |
| 1-4 family residential | 11% | 19% | |
| Business (C&I) | 5% | 18% | |
| Agricultural | 2% | 2% | |
| Farmland | 2% | 3% | |
| Construction and land | 2% | 13% | |
| Multifamily | 0% | 3% | |
| Other | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Noninterest-bearing | 91% | 22% | |
| Other interest-bearing | 6% | 53% | |
| Time deposits | 2% | 25% |
Brokered deposits are 0.4% of deposits (peers 7.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.48% | 0.65% |
| Net charge-offs, annualized | 0.04% | 0.01% |
| Reserves to loans | 0.42% | 1.19% |
| Leverage ratio | 8.37% | 10.36% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Oklahoma
Largest competitors in Garfield County, OK
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/stride