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Stride Bank, National Association
Enid, OK·FDIC Cert #4091·Charter: OCC·Est. 19130101.0·HC: CENTRAL SERVICE CORP
Total Assets
$4.9B
Q4 2025
Return on Assets
2.10%
-0.05%Peer avg: 1.23%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
44.98%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
65
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
2.10%-0.05
ROE
26.65%-0.12
Efficiency
44.98%+0.02
Equity/Assets
0.00%+0.00
NPL Ratio
0.77%+0.19
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
92.24%-6.98
Charge-offs
-0.02%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.9 | 1.9 | 1.9 | 2.0 | 2.1 | 2.1 | 2.2 | 2.1 |
| ROE | 33.9 | 32.8 | 31.0 | 30.3 | 29.0 | 27.3 | 26.8 | 26.6 |
| Efficiency | 41.8 | 41.5 | 41.6 | 42.4 | 43.2 | 44.3 | 45.0 | 45.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 0.8 | 0.7 | 0.6 | 0.7 | 0.7 | 0.6 | 0.8 |
| Charge-offs | 0.0 | 0.0 | 0.2 | 0.1 | -0.0 | -0.0 | -0.0 | -0.0 |
| Loan/Deposit | 76.7 | 81.9 | 91.9 | 92.3 | 89.4 | 99.7 | 99.2 | 92.2 |
Balance Sheet
Total Assets$4.9B
Total Deposits$4.5B
Total Loans$4.1B
Total Equity$357.7M
Profitability
ROA2.10%
ROE26.65%
Efficiency Ratio44.98%
Net Income$87.5M
Risk & Asset Quality
NPL Ratio0.77%
Charge-off Rate-0.02%
Loan/Deposit92.24%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans