BlastPoint's Banking Scorecard
Stride Bank, National Association
Enid, OK
11 branches across OK · UT
Stride Bank, National Association has 5 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 11.8% in tier
- + Efficiency Ratio 19.93% below tier average
- + Non-Interest-Bearing Deposit Share 70.66% above tier average
- + ROA 0.64% above tier average
- + Delinquency Rate 0.29% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 29.9% in tier
- - Net Interest Margin 0.77% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.6B
+29.5% YoY
+16.2% QoQ
|
+$2.8B |
$2.8B
-0.1% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
Top 12.1% in tier |
| Total Loans ? |
$4.8B
+35.4% YoY
+17.7% QoQ
|
+$2.9B |
$2.0B
+0.6% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
Top 7.2% in tier |
| Total Deposits ? |
$5.2B
+30.5% YoY
+17.1% QoQ
|
+$2.9B |
$2.3B
-0.3% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
Top 9.7% in tier |
| Return on Assets ? |
2.01%
-6.6% YoY
-4.6% QoQ
|
+0.64% |
1.37%
+19.6% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
Top 10.1% in tier |
| Net Interest Margin ? |
3.04%
-6.2% YoY
-8.7% QoQ
|
-0.77% |
3.82%
+6.9% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
19% |
| Efficiency Ratio ? |
41.13%
-4.9% YoY
-8.6% QoQ
|
-19.93% |
61.06%
-4.6% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
Top 7.9% in tier |
| Delinquency Rate ? |
0.60%
-13.3% YoY
-21.9% QoQ
|
-0.29% |
0.89%
+14.1% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
92.74%
+3.7% YoY
+0.5% QoQ
|
+8.54% |
84.20%
+0.3% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
91.95%
+2.0% YoY
+0.8% QoQ
|
+70.66% |
21.29%
-2.5% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
Top 0.6% in tier |
| Nonperforming Asset Ratio ? |
0.52%
-9.3% YoY
-20.9% QoQ
|
-0.16% |
0.67%
+15.6% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
43% |
| Tier 1 Capital Ratio ? |
18.69%
-0.9% YoY
+6.4% QoQ
|
+3.53% |
15.16%
+2.0% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
Top 10.2% in tier |
| Non-Interest Income / Assets ? |
0.44%
-9.1% YoY
-75.7% QoQ
|
+0.19% |
0.26%
+1.6% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
Top 7.2% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.