TellerScore

Stride Bank, National Association (FDIC certificate #4091) is based in Enid, Oklahoma. Its Q2 2026 call report shows $5.4B in total assets and $5.0B in deposits and 10 offices across 2 states.

Based on its Q2 2026 filing, Stride Bank, National Association scores 69/100, which we describe as moderate. That is higher than 53% of 897 banks with $1 billion – $10 billion. Among 170 banks headquartered in Oklahoma, it ranks 87th. Its strongest component is earnings (98/100; 1.96%), and its lowest is capital cushion (34/100; 8.37%).

TellerScore · Q2 2026

Scorecard

Capital cushion34/100
Tier 1 leverage ratio: 8.37%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.48%
Earnings98/100
Return on assets (annualized): 1.96%
Funding & liquidity60/100
Loans ÷ deposits and uninsured-deposit share: 100.6% · 6.2% uninsured
Problem-loan coverage88/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.84%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 69).

TellerScore
667074Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202466
Q3 202468
Q4 202470
Q1 202569
Q2 202570
Q3 202574
Q4 202571
Q1 202668
Q2 202669
Tier 1 leverage ratio
5.00%7.53%10.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20247.64%
Q3 20248.40%
Q4 20248.64%
Q1 20258.41%
Q2 20259.29%
Q3 202510.06%
Q4 20259.61%
Q1 20268.15%
Q2 20268.37%
Noncurrent loans
0.48%0.63%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.78%
Q3 20240.67%
Q4 20240.61%
Q1 20250.69%
Q2 20250.73%
Q3 20250.58%
Q4 20250.76%
Q1 20260.60%
Q2 20260.48%
Return on assets
1.93%2.04%2.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.93%
Q3 20241.95%
Q4 20241.98%
Q1 20252.15%
Q2 20252.12%
Q3 20252.16%
Q4 20252.10%
Q1 20262.01%
Q2 20261.96%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$5.4B8.37%0.48%1.96%100.6%
Q1 202668$5.6B8.15%0.60%2.01%92.7%
Q4 202571$4.9B9.61%0.76%2.10%92.2%
Q3 202574$3.8B10.06%0.58%2.16%99.2%
Q2 202570$3.8B9.29%0.73%2.12%99.7%
Q1 202569$4.4B8.41%0.69%2.15%89.4%
Q4 202470$3.9B8.64%0.61%1.98%92.3%
Q3 202468$3.7B8.40%0.67%1.95%91.9%
Q2 202466$4.0B7.64%0.78%1.93%81.9%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.37%
5th
Total risk-based capital19.84%
91st
Problem loans0.48%
52nd
Net charge-offs0.04%
46th
Return on assets1.96%
87th
Net interest margin2.95%
14th
Efficiency ratio43.7%
89th
Loans to deposits100.6%
13th
Uninsured deposits6.2%
97th
Loan-loss reserves0.42%
3rd
Texas ratio5.8%
33rd

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
InterBankBank Oklahoma City, OK62 out of 100, Moderate$5.3B11.1%1.56%vs
RCB BankBank Claremore, OK72 out of 100, Strong$4.0B10.7%0.94%vs
First Fidelity BankBank Oklahoma City, OK69 out of 100, Moderate$3.0B10.2%0.46%vs
Armstrong BankBank Muskogee, OK74 out of 100, Strong$2.8B10.4%0.25%vs
Regent BankBank Tulsa, OK43 out of 100, Below average$2.2B9.9%2.51%vs
Gateway First BankBank Jenks, OK54 out of 100, Below average$2.1B14.1%4.36%vs

Deposit insurance

Is my money safe at Stride Bank, National Association?

Yes. Stride Bank, National Association is an FDIC-insured institution (FDIC certificate #4091). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 6.2% of deposits ($309.0M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.37%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.84% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

Stride Bank, National Association lists 9 offices in 8 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Stride Bank, National Association reported 2,212 home-loan applications under HMDA (LEI 549300O5WDIJU8S7OI05): 1,775 originated ($616,635,000 total), 60 denied, and 365 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Chime Cash Rewards Visa Credit Card—$0—0.0%
Secured Chime Visa Credit Card—$0—0.0%
Westlake Black Visa Credit Card9.24% – 35.74%$0——

All Stride Bank, National Association card terms

Identity & history

Profile

Legal name
Stride Bank, National Association
Former names
Central National Bank & Trust Co., of Enid; Central National Bank and Trust of Enid; Central National Bank & Trust Co., Enid, OK; The Central National Bank of Enid
Type
National bank
FDIC certificate #
4091
RSSD ID
278555
Primary regulator
OCC
Holding company
Central Service Corp
Established
January 1, 1913
Headquarters
324 W Broadway Ave, Enid, OK 73701
Employees
433

Quick answers

Stride Bank, National Association: common questions

Is Stride Bank, National Association FDIC insured?

Yes. Stride Bank, National Association is an FDIC-insured institution (FDIC certificate #4091). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Stride Bank, National Association's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Stride Bank, National Association ever failed?

There is no failure record for FDIC certificate #4091 in the FDIC failed bank list.

How many branches does Stride Bank, National Association have?

10 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Enid

InstitutionScoreAssetsCapitalProblem loansCompare
Cowboy BankBank Kremlin, OK84 out of 100, Strong$350.3M12.7%0.49%vs
The First State Bank of Pond Creek, OklahomaBank Pond Creek, OK83 out of 100, Strong$55.5M12.8%0.32%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs
Tinker Federal Credit UnionCredit union Oklahoma City, OK83 out of 100, Strong$6.1B14.7%0.63%vs
Cleo State BankBank Cleo Springs, OK80 out of 100, Strong$122.5M16.4%2.12%vs
Wisdom Heritage BankBank Alva, OK78 out of 100, Strong$601.3M14.2%1.28%vs