FDIC Cert #4091 · Enid, Oklahoma · Est. 1913

Stride Bank, National Association - FDIC Bank Health Profile

A community-scale look at Stride Bank, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$4.9B
Total assets
A
Health grade · Excellent
2.10%
Return on assets
17.6%
Tier 1 capital

Data updated July 2026

The verdict

Stride Bank, National Association earns a PlainBankData health grade of A (96/100), with well-capitalized at 17.56% Tier 1, profitable at 2.10% ROA, efficient (45% cost ratio).

#293
largest of 4,313 FDIC banks by assets
93rd
percentile by asset size, nationally
17.56%
Tier 1 ratio - above the 10% well-capitalized line
92nd
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 4091 · OK A · 96/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (96/100)
  • TOP-DECILE #269/4307
  • PHOTO-FINISH Bank of Monticello · GA
  • TIER1-WELL 17.6% Tier 1
  • TEXAS-CLEAN 8.3% Texas
  • ROA-STRONG 2.10% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oklahoma: Bank of Monticello, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Stride Bank

Lowest and highest poles plus nearest scored peers outside Oklahoma, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Monticello · GA · ne…96/100Bank of Odessa · MO · near96/100Pinnacle Bank · IA · near96/100Solon State Bank · IA · near96/100Stride Bank, Nationa… · OK ·…96/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Stride Bank · July 2026

What Stride Bank's Call Report plate shows

Stride Bank, National Association (FDIC Cert #4091) carries a PlainBankData health grade of A at 96/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #269 of 4,307. Tier 1 capital prints at 17.56%, clearing the 10% well-capitalized line. The Texas Ratio is 8.35%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.10%. Balance-sheet scale is $4.9B, 293rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Monticello (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Stride Bank

8 FAILURE resolutions in Oklahoma since 2000 (8 since 2008)

Stride Bank, National Association's home state sits in the middle band of post-2000 FAILURE counts (8; 8 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Stride Bank, National Association remains an active FDIC-insured reporter.

  • FIRST NB OF LINDSAY LINDSAY, OK 2024 → FIRST BANK & TRUST CO.
  • THE FREEDOM STATE BANK FREEDOM, OK 2014 → ALVA STATE BANK & TRUST COMPANY
  • THE BANK OF UNION EL RENO, OK 2014 → BANCFIRST

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oklahoma banks.

How Stride Bank, National Association's 96/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10096/100
Stride Bank, National Association's composite health score
Tier 1 Capital Ratio (17.56%) 40/40
Return on Assets (ROA) (2.10%) 25/25
Texas Ratio (8.35%) 16/20
Efficiency Ratio (44.98%) 15/15

96 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$4.9B

Total balance-sheet footings

Total Deposits

$4.5B

Customer-funded liabilities

Net Loans

$4.1B

Outstanding loan book

Net Income

$88M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.16% 17.56% 18.96%
Basel III capital ratios - Stride Bank, National Association

Where Stride Bank, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Stride Bank, National Association's score of 96/100 falls in the highlighted band.

Stride Bank, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

96 Top 6% higher than 94% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Stride Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Stride Bank, National Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Stride Bank, National Association's $4.9B falls in the highlighted band.

Safety ratios for Stride Bank

Tier 1 capital ratio
Well-capitalized 10%

17.56% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
17.56%
Texas Ratio
8.35%
Equity Capital
$358M

What these ratios mean →

Earnings posture at Stride Bank

Return on Assets (ROA)
92nd percentile nationally
2.10%
Return on Equity (ROE)
26.65%
Efficiency Ratio
44.98%

What these mean →

Income & expense at Stride Bank

$136M
Interest Income
$88M
Non-Interest Income
$97M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Stride Bank, National Association reports a Texas Ratio of 8.35% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

8.35% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Stride Bank, National Association on FDIC BankFind →

Top banks in Oklahoma by total assets

Largest banks headquartered in Oklahoma
  1. 1
    BOKF $52.0B

    Tulsa, OK · Grade A

  2. 2
    MidFirst Bank $41.4B

    Oklahoma City, OK · Grade B

  3. 3
    First United Bank and Trust Company $16.3B

    Durant, OK · Grade B

  4. 4
    BancFirst $12.1B

    Oklahoma City, OK · Grade A

  5. 5
    InterBank $5.5B

    Oklahoma City, OK · Grade B

Top 5 banks in Oklahoma ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($4.9B here), outside Oklahoma so the neighborhood is not state containment.

Dacotah Bank $4.8B · SD Carter Bank & Trust $4.8B · VA Celtic Bank $4.8B · UT Bank of Stockton $4.8B · CA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Stride Bank, National Association (FDIC Cert #4091) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Stride Bank, National Association Call Report profile · FDIC Failed Bank List · Oklahoma FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Oklahoma

All Oklahoma banks →
BankAssetsGradeROA
BOKF, National AssociationTulsa $52.0B A 1.10%
MidFirst BankOklahoma City $41.4B B 1.19%
First United Bank and Trust CompanyDurant $16.3B B 0.97%
BancFirstOklahoma City $12.1B A 1.79%
InterBankOklahoma City $5.5B B 3.60%
RCB BankClaremore $4.1B A 1.32%
First Fidelity BankOklahoma City $2.9B B 0.94%
Armstrong BankMuskogee $2.7B A 1.25%