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Letter portraitLegal landscapeQuarterYTD

Stride Bank, National Association

Enid, OK · Cert 4091 · Central Service Corp.

National charter · OCC · 11 branches

Q2 2026

$5.4BAssets
$5.0BLoans
$5.0BDeposits
$393.3MEquity
Loan mix
32%RE $1.5B6%C&I $0.3B63%Consumer $2.9BQ3 2024Q2 2026
Deposit mix
9%Interest-bearing $0.4B91%Noninterest $4.5BQ3 2024Q2 2026

Market Position · Enid, OK · 2026 SOD (annual) · 79.6% share · #1 of 14 inst. · $4.7B of $5.8B

79.6% Garfield
0.3% Tulsa
9.0% Woodward
3.8% Kay

Executive Summary

  • Earnings: ROA of 1.96%, down 16 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.48% of loans (-25 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 8.37%, down 92 bps from a year ago.
  • Funding: loans stand at 101.04% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.96%-16 bps YoY

Net Interest Margin (YTD, annualized)

3.06%-46 bps YoY

Efficiency Ratio (YTD, annualized)

43.74%-51 bps YoY

Tier 1 Leverage Ratio

8.37%-92 bps YoY

NIM

3.40%Q2 ’243.76%Q2 ’253.23%Q2 ’26+11%-13%

Non-interest income vs. expense

2.23%Q2 ’242.63%Q2 ’252.32%Q2 ’26+368%-64%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.95%1.98%2.15%2.12%2.16%2.10%2.01%1.96%-16 bps
Return on Equity31.03%30.26%29.02%27.29%26.78%26.65%28.72%27.72%+43 bps
Net Interest Margin3.33%3.27%3.40%3.52%3.68%3.45%3.15%3.06%-46 bps
Efficiency Ratio41.63%42.35%43.23%44.26%44.96%44.98%41.13%43.74%-51 bps
Non-Interest Burden0.02%0.05%0.19%0.21%0.25%0.24%0.02%0.08%-14 bps
Growth
Asset Growth (YoY)16.59%6.34%-4.60%-4.95%2.67%23.61%29.55%42.01%+4,696 bps
Loan Growth (YoY)34.01%19.28%8.92%11.76%9.00%23.97%35.26%46.11%+3,436 bps
Deposit Growth (YoY)14.53%5.48%-6.59%-8.15%0.91%24.00%30.50%44.97%+5,312 bps
Asset Quality
Nonperforming Loans / Loans0.67%0.61%0.69%0.73%0.58%0.76%0.60%0.48%-25 bps
Net Charge-Offs / Loans0.21%0.14%-0.02%-0.04%-0.02%-0.01%0.08%0.04%+8 bps
Allowance / Loans0.49%0.51%0.50%0.57%0.58%0.51%0.44%0.42%-15 bps
Allowance Coverage of NPLs0.7x0.8x0.7x0.8x1.0x0.7x0.7x0.9x+0.1x
Capital
Tier 1 Leverage Ratio8.40%8.64%8.41%9.29%10.06%9.61%8.15%8.37%-92 bps
Total Risk-Based Capital19.56%19.37%20.00%20.46%20.51%18.65%19.81%19.84%-61 bps
Equity / Assets7.59%7.59%7.24%8.62%8.92%7.37%6.66%7.26%-136 bps
Liquidity & Funding
Loans / Deposits92.39%92.73%89.87%100.25%99.79%92.71%93.15%101.04%+79 bps
Liquid Assets / Assets2.89%3.73%9.16%1.76%1.83%0.88%7.10%0.83%-93 bps
CRE / Total Capitaln/an/an/an/a256%264%253%n/an/a