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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Oklahoma, the state note

Stride Bank National Association

Enid, Oklahoma · $5.42B in assets · beside the 11 other the Southwest banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

+46.1%
Loans, year over year
1st of 12, largest first
101.0%
Loans / deposits
11th of 12
17.6%
CRE / loans
2nd of 12

Stride Bank National Association is the third largest of the 12 the Southwest banks nearest its size between $3B and $10B, with $5.42B in assets at 30 June 2026. Loans are 101.0% of deposits, 11th of 12 against a median of 71.8%, and equity is 7.3% of assets, 10th of 12. Loans grew +46.1% in the year, the fastest in the cohort, and deposits grew 45.0%; the cohort's median loan growth is +3.8%.

Noncurrent loans are 0.48% of the book, 6th of 12 against a median of 0.54%; 0.28% is 30 to 89 days past due, and the allowance covers them 0.9 times. Commercial real estate is 17.6% of loans, 2nd of 12 against a median of 40.1%, and 212% of capital, below the 300% screen, with construction at 21% against the 100% screen. CRE has grown +121.0% over 36 months, past the guidance's 50% prong.

Return on assets is 2.21%, 2nd of 12 against a median of 1.60%, on an efficiency ratio of 43.7%, 4th of 12. Five years ago it was 0.93%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Commercial real estate, share of loansSouthwest banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 40.1% TE Texas Exchange Bank 13.3% SB Stride Bank National Association 17.6% VN Verabank National Association 31.6% BN Broadway National Bank 36.2% VB Vantage Bank Texas 38.7% CB City Bank 39.0% AN American National Bank of Texas 41.1% FN First National Bank Texas 41.6% TB Texas Bank & Trust Co. 47.9% I Interbank 54.9% IB International Bank of Com 56.9% IN Inwood National Bank 64.0%
Loans, year over yearSouthwest banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.8% SB Stride Bank National Association +46.1% CB City Bank +21.4% VB Vantage Bank Texas +14.7% I Interbank +7.9% FN First National Bank Texas +6.9% AN American National Bank of Texas +4.8% IB International Bank of Com +2.7% IN Inwood National Bank +1.7% VN Verabank National Association -1.5% TB Texas Bank & Trust Co. -1.7% BN Broadway National Bank -10.7% TE Texas Exchange Bank -23.7%

SBA 7(a), FY2008 to FY2026

Stride Bank National Association is the 41st largest 7(a) lender into Oklahoma of 358, with $21M across 60 loans, 0.5% of everything approved in the state (Bancfirst leads with $793M). 20 of its 23 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Oklahoma, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Tulsa, OK$5M45th of 1590.4%quiet FY2019
Oklahoma, OK$5M39th of 1720.5%-1.3 pts
Garfield, OK$4M9th of 315.8%thin
Creek, OK$3M11th of 473.0%quiet FY2014
Harris, TX$2M201st of 3140.0%quiet FY2012
Woodward, OK$1M7th of 174.8%quiet FY2022
Kay, OK$1M9th of 243.1%quiet FY2017
Nowata, OK$895K2nd of 719.9%quiet FY2011
New Haven, CT$600K65th of 1000.1%quiet FY2014
Payne, OK$490K24th of 470.7%quiet FY2016
Mcclain, OK$397K19th of 270.9%thin
Neosho, KS$396K8th of 162.2%quiet FY2017
Benton, AR$350K77th of 900.1%quiet FY2012
10 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing8$5M17.7%0.01%734th of 2,246
Other services6$3M12.1%0.01%711th of 2,248
Wholesale trade2$3M11.9%0.01%581st of 1,651
Real estate & leasing3$3M11.8%0.02%452nd of 1,452
Health care & social assistance12$3M11.7%0.01%727th of 2,172
7(a) lenders into Oklahoma, share of approvals since FY2008358 lenders on record; the ten largest and Stride Bank National Association
B Bancfirst 18.4% $793M · 2,102 loans FO First Oklahoma Bank 5.8% $251M · 291 loans LO Live Oak Banking Company 5.8% $250M · 177 loans AB Arvest Bank 5.0% $213M · 780 loans SB Security Bank 3.0% $130M · 261 loans FU First United Bank and Trust Compa… 2.6% $114M · 174 loans FP First Pryority Bank 2.0% $84M · 184 loans RB Regent Bank 1.7% $74M · 162 loans PB Peoples Bank and Trust Company 1.7% $73M · 59 loans GP Great Plains National Bank 1.6% $67M · 204 loans SB Stride Bank, National Association 0.5% $21M · 60 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Stride Bank National AssociationRankCohort median
Total CRE against capital, the 300% screen212%6th of 12225%
Construction against capital, the 100% screen21%2nd of 1256%
Construction and land development, share of loans1.7%1st of 1211.1%
Non-owner-occupied nonfarm nonresidential, share of loans15.6%2nd of 1222.8%
Total CRE, the guidance definition, share of loans17.6%2nd of 1240.1%
CRE growth over 36 months, the third prong+121.0%12th of 12+22.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
American National Bank of Texas$5.51B0.7%74.8%0.23%0.03%1.3%73.9%6.0%
Broadway National Bank$5.42B1.8%57.9%0.19%0.13%1.1%65.3%9.1%
Stride Bank National Association$5.42B2.2%43.7%0.48%0.04%0.4%101.0%7.3%
City Bank$5.39B1.4%60.7%0.25%0.05%1.4%80.1%11.1%
Interbank$5.33B3.3%34.0%1.56%0.01%0.8%104.0%12.4%
Vantage Bank Texas$5.14B1.6%55.5%0.87%0.30%1.3%88.9%8.6%
First National Bank Texas$4.64B1.2%84.5%1.23%0.83%1.3%55.8%6.7%
Verabank National Association$4.58B1.6%57.9%0.96%0.10%1.2%69.6%11.4%
International Bank of Com$4.56B1.7%38.5%9.17%0.11%2.5%40.2%12.7%
Texas Exchange Bank$4.49B0.6%95.2%0.00%0.00%1.4%26.2%8.2%
Texas Bank & Trust Co.$4.34B1.6%54.7%0.61%0.01%1.2%91.5%12.9%
Inwood National Bank$4.26B1.6%38.2%0.37%0.41%0.9%67.7%11.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Stride Bank National AssociationCohort median
20212026Change20212026Change
Loans$1.25B$5.01B+300%$2.01B$3.29B+63%
Deposits$1.76B$4.96B+181%$3.13B$4.33B+38%
NPA / loans2.02%0.48%-1.54 pts0.46%0.54%+0.08 pts
Efficiency63.9%43.7%-20.2 pts63.1%56.7%-6.5 pts
ROA0.93%2.21%+1.28 pts1.31%1.60%+0.28 pts

This read was prepared for Stride Bank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Stride Bank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Southwest banks $3B to $10B
Institution www.stridebank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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