BlastPoint's Banking Scorecard
Stride Bank, National Association
Community
Specialty: Credit Card
OK
FDIC cert 4091
Enid, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
Stride Bank, National Association has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 7% in Community
- + Profitability Leader: Top 42% in Community
- + Efficiency Ratio 17.65% below tier
- + Non-Interest-Bearing Deposit Share 70.17% above tier
- + Tier 1 Capital Ratio 8.31% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 27% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.9B
+23.6% YoY
+26.4% QoQ
|
+$3.5B |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$4.1B
+24.0% YoY
+19.9% QoQ
|
+$3.1B |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$4.5B
+24.0% YoY
+28.9% QoQ
|
+$3.3B |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
2.10%
+6.4% YoY
-2.5% QoQ
|
+0.94% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
3.33%
+10.8% YoY
-0.1% QoQ
|
-0.33% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
32% |
| Efficiency Ratio ? |
44.98%
+6.2% YoY
+0.0% QoQ
|
-17.65% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
0.77%
+25.5% YoY
+32.1% QoQ
|
+0.14% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
92.24%
-0.0% YoY
-7.0% QoQ
|
+9.17% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
91.22%
+2.9% YoY
+1.9% QoQ
|
+70.17% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.65%
+26.1% YoY
+21.0% QoQ
|
+0.15% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
18.56%
+1.6% YoY
-4.0% QoQ
|
+8.31% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
1.82%
-11.4% YoY
+7.2% QoQ
|
+1.08% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (5)
Revenue Diversifier
growth
#28 of 371 · Top 7% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.82%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.10%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Profitability Leader
growth
#158 of 371 · Top 42% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.10%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Efficiency Ratio
metric
Top 9%
in Community
Why this stands out
Current:
44.98%
(Tier avg: 62.63%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Community
Why this stands out
Current:
91.22%
(Tier avg: 21.05%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 10%
in Community
Why this stands out
Current:
18.56%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Liquidity Overhang
risk
#73 of 268 · Bottom 27% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
18.56%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
92.24%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Total Deposits
Current: $4.5B · Tier avg: $1.2B
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 91.22% · Tier avg: 21.05%
100
100th pctile
Total Assets
Current: $4.9B · Tier avg: $1.4B
100
100th pctile
Total Loans
Current: $4.1B · Tier avg: $975.5M
95
95th pctile
Non-Interest Income / Assets
Current: 1.82% · Tier avg: 0.74%
93
93th pctile
Return on Assets
Current: 2.10% · Tier avg: 1.16%
91
91th pctile
Efficiency Ratio
Current: 44.98% · Tier avg: 62.63%
90
90th pctile
Tier 1 Capital Ratio
Current: 18.56% · Tier avg: 10.24%
71
71th pctile
Loan-to-Deposit Ratio
Current: 92.24% · Tier avg: 83.06%
33
33th pctile
Delinquency Rate
Current: 0.77% · Tier avg: 0.63%
32
32th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.66%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.65% · Tier avg: 0.50%
Top Weaknesses
31
31th pctile
Nonperforming Asset Ratio
Current: 0.65% · Tier avg: 0.50%
32
32th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.66%
33
33th pctile
Delinquency Rate
Current: 0.77% · Tier avg: 0.63%
71
71th pctile
Loan-to-Deposit Ratio
Current: 92.24% · Tier avg: 83.06%
90
90th pctile
Tier 1 Capital Ratio
Current: 18.56% · Tier avg: 10.24%
91
91th pctile
Efficiency Ratio
Current: 44.98% · Tier avg: 62.63%
93
93th pctile
Return on Assets
Current: 2.10% · Tier avg: 1.16%
95
95th pctile
Non-Interest Income / Assets
Current: 1.82% · Tier avg: 0.74%
100
100th pctile
Total Loans
Current: $4.1B · Tier avg: $975.5M
100
100th pctile
Total Assets
Current: $4.9B · Tier avg: $1.4B
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 91.22% · Tier avg: 21.05%
100
100th pctile
Total Deposits
Current: $4.5B · Tier avg: $1.2B