STRIDE BANK, NATIONAL ASSOCIATION

ENID, OK · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1913FDIC #4,091

Satisfactory Same

Current rating · Exam: August 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 2.01%

Institution Profile

FDIC BankFind

Website

www.stridebank.com

Address

324 W Broadway Ave, ENID, OK

County

Garfield County

Established

January 1, 1913

Total Assets

$5.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 4, 2025

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Aug 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$5.6B

Total Deposits

$5.2B

Net Loans

$4.8B

Net Income

$26M

ROA

2.01%

Above avg for Community banks. Peer avg: 0.90%

ROE

28.72%

Risk-Based Capital

19.81%

Above avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA2.01%Peer avg: 0.90%▲ Above avg

Risk-Based Capital19.81%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate3.34%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$3.4B

1-Year Change

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	1,974	78.01%	3.34%
2023	1,460	79.66%	2.19%
2022	1,865	80.54%	2.95%
2021	1,857	80.67%	3.28%
2020	77	77.92%	5.19%
2019	61	59.02%	19.67%
2018	51	84.31%	5.88%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Aug 2025	Satisfactory	Large Bank
Jan 2022	Satisfactory	Intermediate Small Bank
Jan 2019	Satisfactory	Intermediate Small Bank

6 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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