Stride Bank
Stride Bank reported total assets of $5.4 bn at Q2 2026, up 42.0% on a year earlier, the 269th largest of 497 banks in our US coverage. The CET1 capital ratio at Stride Bank was 18.76%, and the uninsured share of Stride Bank was 6.23%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Stride Bank climbed from 336th to 187th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Stride Bank has one of the highest return on equity (ROE) readings among banks of $1 bn to $10 bn: 27.72% at , against a median of 12.68% across 339 banks (FDIC Call Reports).
- The uninsured share of domestic deposits of Stride Bank, 6.23% at , places Stride Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 32.61%; FDIC Call Reports).
What sets Stride Bank apart
- Among the 339 banks of $1 bn to $10 bn, few report a lower tier 1 leverage ratio than Stride Bank, at 8.37% in ; the group median is 10.45%.
- Over the year to , the total deposits of Stride Bank rose by 45.0% to $5.0 bn, a bigger rise than at 97% of covered banks.
- Over the year to , the net loans and leases of Stride Bank rose by 46.3% to $5.0 bn, a bigger rise than at 96% of covered banks.
How large is Stride Bank?
The balance sheet of Stride Bank at : assets $5.4 bn, deposits $5.0 bn, net loans $5.0 bn (loans equal to 100.61% of deposits). Securities make up 1.1% of total assets at Stride Bank. Since , when Stride Bank held $618.5 mn, its assets grew 775.9%. In the year to , deposits at Stride Bank rose 45.0% while its total assets rose 42.0%. At , Stride Bank employed 433 full-time equivalent staff across 11 offices, about $12.5 mn of assets per employee and $450.6 mn of deposits per office.
How much funding at Stride Bank is uninsured?
At Stride Bank, uninsured deposits (above the FDIC limit) made up 6.23% of domestic deposits at (-0.91 pp on a year earlier); Stride Bank ranks 478th of 500 on this measure. In dollars, Stride Bank estimated $309.0 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $5.0 bn | +45.0% | 250th of 499 |
| Net loans and leases | $5.0 bn | +46.3% | 210th of 500 |
| Loan-to-deposit ratio | 100.61% | +0.93 pp | 52nd of 500 |
| Tier 1 leverage ratio | 8.37% | -0.92 pp | 463rd of 500 |
| Total risk-based capital ratio | 19.84% | -0.61 pp | 40th of 448 |
| Net interest margin | 2.95% | -0.33 pp | 412th of 500 |
| Return on assets (ROA) | 1.96% | -0.16 pp | 56th of 500 |
| Efficiency ratio | 43.74% | -0.51 pp | 75th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $2.0 mn | Narrowed by $673,000 | |
| Noncurrent loans to total loans | 0.48% | -0.25 pp | 187th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.04% | +0.08 pp | 184th of 500 (1 = lowest) |
US rank of Stride Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Stride Bank: assets, deposits and loans
- Total assets $5.4bn
- Deposits $5.0bn
- Net loans $5.0bn
Capital and securities
The CET1 ratio of Stride Bank stood at 18.76% in , -0.48 pp year on year. Low and high at Stride Bank since : 9.63% () to 20.42% (). Equity capital of Stride Bank at : $393.3 mn, or 7.3% of total assets. Stride Bank also reported a total capital ratio of 19.84% for , and a tier 1 leverage ratio of 8.37%.
The available-for-sale portfolio of Stride Bank showed an unrealized loss of $2.0 mn at ; the loss narrowed by $673,000 over the year.
Stride Bank: capital ratios
- Total capital 20%
- CET1 19%
- Tier 1 leverage 8.4%
Stride Bank: unrealized securities gains and losses
- Available for sale -$2mn
- Held to maturity $0
Profitability and loan quality
For the year to , Stride Bank earned a return on equity of 27.72%; return on assets: 1.96%. Net interest margin at Stride Bank: 2.95%, -0.33 pp in a year. Stride Bank net income: $52.1 mn, up 21.5% year on year. The efficiency ratio of Stride Bank was 43.74%: about 44 cents cost per revenue dollar, against 59 cents at the median peer.
At , noncurrent loans were 0.48% of total loans at Stride Bank; net charge-offs: 0.04% of average loans. Gross loans and leases at Stride Bank: $5.0 bn, up 46.1% in a year.
Stride Bank: profitability
- Return on equity 28%
- Net interest margin 2.9%
- Return on assets 2.0%
Peer group of Stride Bank
The peer group of Stride Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Stride Bank (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Oklahoma. Against them, Stride Bank shows CET1 ratio 18.76% against a peer median of 13.07%, return on equity 27.72% against a peer median of 14.55% and uninsured deposit share 6.23% against a peer median of 32.41%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Green Dot Bank DBA Bonneville Bank | State member bank | UT | $5.4 bn | 31.97% | 29.74% | 3.68% | |
| Peoples Security Bank and Trust Company | State nonmember bank | PA | $5.4 bn | 12.75% | 10.85% | 31.02% | |
| Broadway National Bank | National bank | TX | $5.4 bn | 16.72% | 20.65% | 40.29% | |
| Stride Bank | National bank | OK | $5.4 bn | 18.76% | 27.72% | 6.23% | |
| The Canandaigua National Bank and Trust Company | National bank | NY | $5.4 bn | 12.34% | 14.71% | 33.80% | |
| City Bank | State nonmember bank | TX | $5.4 bn | 13.39% | 14.40% | 36.70% | |
| Bridgewater Bank | State nonmember bank | MN | $5.4 bn | 12.73% | 11.37% | 26.16% | |
. FDIC Call Reports.
Last eight quarters
Two years at Stride Bank, to : assets +44.8%, deposits +44.5%, equity +38.6%. Staff 353 to 433.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.7 bn | $3.9 bn | $4.4 bn | $3.8 bn | $3.8 bn | $4.9 bn | $5.6 bn | $5.4 bn |
| Total deposits | $3.4 bn | $3.6 bn | $4.0 bn | $3.4 bn | $3.5 bn | $4.5 bn | $5.2 bn | $5.0 bn |
| Bank equity capital | $283.8 mn | $298.1 mn | $315.2 mn | $328.8 mn | $342.5 mn | $357.7 mn | $375.9 mn | $393.3 mn |
| CET1 ratio | 18.49% | 18.27% | 18.86% | 19.24% | 19.32% | 17.56% | 18.69% | 18.76% |
| Return on equity (ROE) | 31.03% | 30.26% | 29.02% | 27.29% | 26.77% | 26.65% | 28.72% | 27.72% |
| Uninsured share of domestic deposits | 7.90% | 9.27% | 6.52% | 7.14% | 6.34% | 6.16% | 5.23% | 6.23% |
| Full-time equivalent employees | 353 | 363 | 379 | 383 | 395 | 404 | 412 | 433 |
| Number of offices | 11 | 11 | 11 | 11 | 11 | 11 | 11 | 11 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at Stride Bank
- Total assets at Stride Bank changed by +52.2% in the quarter to 2020-06-30, with no FDIC structure event in that quarter.
- Total assets at Stride Bank changed by +63.9% in the quarter to 2021-03-31, with no FDIC structure event in that quarter.
- Total assets at Stride Bank changed by +31.8% in the quarter to 2022-03-31, with no FDIC structure event in that quarter.
- Total assets at Stride Bank changed by +26.4% in the quarter to 2025-12-31, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Stride Bank?
Stride Bank reported $5.4 bn at in its Call Report. That makes Stride Bank the 269th largest of 497 banks in our US coverage.
Is Stride Bank the same as its holding company?
No. This page covers Stride Bank, FDIC certificate 4091; CENTRAL SERVICE CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Stride Bank profitable?
Stride Bank reported net income of $52.1 mn for the year to ; annualized return on equity: 27.72%. So yes: Stride Bank made a profit over these months.
When is data for Stride Bank next updated?
Figures from Stride Bank for are due after .
Where can I check the figures for Stride Bank?
In the FDIC BankFind Suite record for certificate 4091, and in the Call Reports of Stride Bank (RSSD ID 278555) at the FFIEC Central Data Repository.