Stride Bank Mortgage Rates, Fees & Info

Enid, OK

LEI: 549300O5WDIJU8S7OI05

Tax ID: 73-0783952

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Mortgage Data

Bank Data

Review & Overview

Stride Bank is a smaller bank specializing in Home Purchase loans. Stride Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Oklahoma City, Tulsa, Stillwater, Austin, and Enid among others. We have data for 79 markets. (Some data included below & more in-depth data is available with an active subscription.)

Stride Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Stride Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.88% 4/21/24
30 Year Conventional Refi 6.59% 4/21/24
30 Year Cash-out Refi 6.89% 4/21/24
30 Year FHA Purchase 7.71% 4/21/24
30 Year FHA Refi 7.43% 4/21/24
30 Year VA Purchase 6.54% 4/21/24
30 Year USDA Purchase 7.26% 4/21/24
15 Year Conventional Purchase 6.31% 4/21/24
15 Year Conventional Refi 6.12% 4/21/24
15 Year Cash-out Refi 6.12% 4/21/24
15 Year VA Purchase 5.77% 4/21/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Stride Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Stride Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,498

Origination Dollar Volume (All Markets)

$351,290,000

Employee count

286

Awards

Stride Bank FHA Loans gold
Show all (1) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
OKLAHOMA CITY, OK (FHA|USDA|VA) 925 $210,565,000 $227,638 $5,103 3.26%
TULSA, OK (FHA|USDA|VA) 154 $43,700,000 $283,766 $5,250 3.29%
Stillwater, OK (FHA|USDA|VA) 132 $27,700,000 $209,848 $4,362 3.31%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 24 $7,630,000 $317,917 $6,378 3.11%
Outside of Metro Areas 42 $7,370,000 $175,476 $5,349 3.37%
ENID, OK (FHA|USDA|VA) 41 $6,975,000 $170,122 $4,163 3.65%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 13 $4,265,000 $328,077 $6,601 3.17%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 15 $3,975,000 $265,000 $6,174 3.24%
Shawnee, OK (FHA|USDA|VA) 14 $3,090,000 $220,714 $6,471 3.53%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $2,475,000 $2,475,000 $0 4.25%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 6 $2,320,000 $386,667 $9,068 3.44%
Bartlesville, OK (FHA|USDA|VA) 13 $2,085,000 $160,385 $4,748 3.41%
McAlester, OK (FHA|USDA|VA) 12 $1,660,000 $138,333 $4,619 3.24%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 6 $1,620,000 $270,000 $5,104 3.31%
Durant, OK (FHA|USDA|VA) 7 $1,505,000 $215,000 $7,339 3.39%
KANSAS CITY, MO-KS (FHA|USDA|VA) 4 $1,340,000 $335,000 $2,675 2.75%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 3 $1,315,000 $438,333 $10,344 3.04%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 3 $1,105,000 $368,333 $11,202 2.96%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $1,090,000 $545,000 $8,701 3.38%
COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $895,000 $298,333 $2,886 3.50%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 2 $660,000 $330,000 $11,670 2.75%
GREELEY, CO (FHA|USDA|VA) 2 $650,000 $325,000 $2,811 3.00%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $645,000 $645,000 $10,470 2.75%
EL PASO, TX (FHA|USDA|VA) 2 $610,000 $305,000 $4,080 3.25%
Branson, MO (FHA|USDA|VA) 2 $600,000 $300,000 $3,422 3.88%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $600,000 $300,000 $6,841 3.81%
Plainview, TX (FHA|USDA|VA) 1 $595,000 $595,000 $0 3.00%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 2 $590,000 $295,000 $13,331 3.38%
Kalispell, MT (FHA|USDA|VA) 1 $545,000 $545,000 $3,264 3.25%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $485,000 $485,000 $3,545 2.88%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $475,000 $475,000 $2,778 3.38%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $445,000 $445,000 $3,969 2.75%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $440,000 $220,000 $5,895 3.56%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $420,000 $210,000 $3,073 3.00%
WICHITA, KS (FHA|USDA|VA) 2 $410,000 $205,000 $5,089 3.00%
Ponca City, OK (FHA|USDA|VA) 5 $395,000 $79,000 $3,959 4.45%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $385,000 $385,000 $20,700 2.38%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $375,000 $375,000 $5,722 3.25%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $345,000 $345,000 $2,308 3.00%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $335,000 $335,000 $2,373 2.88%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $325,000 $325,000 $11,242 3.75%
MERCED, CA (FHA|USDA|VA) 1 $325,000 $325,000 $2,937 3.38%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $305,000 $305,000 $10,516 2.88%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $305,000 $305,000 $2,792 3.25%
Tahlequah, OK (FHA|USDA|VA) 2 $300,000 $150,000 $3,911 3.94%
FORT SMITH, AR-OK (FHA|USDA|VA) 2 $300,000 $150,000 $5,292 3.31%
BELLINGHAM, WA (FHA|USDA|VA) 1 $295,000 $295,000 $3,120 3.13%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $285,000 $285,000 $5,681 3.00%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $265,000 $265,000 $3,593 3.13%
LONGVIEW, TX (FHA|USDA|VA) 1 $265,000 $265,000 $8,684 3.00%
Muskogee, OK (FHA|USDA|VA) 2 $260,000 $130,000 $3,580 3.31%
TYLER, TX (FHA|USDA|VA) 1 $255,000 $255,000 $8,355 3.50%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $255,000 $255,000 $3,411 4.38%
Cullowhee, NC (FHA|USDA|VA) 1 $255,000 $255,000 $5,022 2.88%
RENO, NV (FHA|USDA|VA) 1 $245,000 $245,000 $4,053 3.25%
Woodward, OK (FHA|USDA|VA) 2 $240,000 $120,000 $3,783 3.44%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $235,000 $235,000 $8,613 3.00%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $235,000 $235,000 $2,262 2.63%
Duncan, OK (FHA|USDA|VA) 2 $230,000 $115,000 $2,970 3.06%
Weatherford, OK (FHA|USDA|VA) 2 $230,000 $115,000 $5,160 3.00%
LUBBOCK, TX (FHA|USDA|VA) 1 $225,000 $225,000 $6,484 2.88%
WACO, TX (FHA|USDA|VA) 1 $225,000 $225,000 $9,048 3.00%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $215,000 $215,000 $11,298 3.63%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $205,000 $205,000 $4,050 3.25%
Altus, OK (FHA|USDA|VA) 1 $205,000 $205,000 $3,628 3.25%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $205,000 $205,000 $7,534 3.25%
Paris, TX (FHA|USDA|VA) 1 $195,000 $195,000 $7,103 3.25%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $185,000 $185,000 $0 3.63%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $175,000 $175,000 $3,292 3.13%
LOUISVILLE, KY (FHA|USDA|VA) 1 $155,000 $155,000 $1,579 2.88%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $155,000 $155,000 $3,263 3.13%
LAS CRUCES, NM (FHA|USDA|VA) 1 $155,000 $155,000 $4,056 2.50%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $155,000 $155,000 $2,307 2.50%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $155,000 $155,000 $3,426 2.88%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $145,000 $145,000 $4,114 3.00%
LAREDO, TX (FHA|USDA|VA) 1 $135,000 $135,000 $2,152 2.63%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.75%
TUCSON, AZ (FHA|USDA|VA) 1 $95,000 $95,000 $2,657 2.63%
Hutchinson, KS (FHA|USDA|VA) 1 $85,000 $85,000 $2,888 3.38%
Stride Bank's top markets include Oklahoma City, Tulsa, Stillwater, Austin, and Enid among others.

Their top states include:
  • Oklahoma (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,000 $238,780,000 $238,780 $3,857 3.28%
    FHA 336 $65,640,000 $195,357 $7,350 3.39%
    VA 138 $42,360,000 $306,957 $8,216 3.05%
    USDA 21 $3,215,000 $153,095 $5,369 3.14%
    VA 3 $1,295,000 $431,667 $0 3.21%

    For 2021, Stride Bank's most frequently originated type of loan was Conventional, with 1,000 originations. Their 2nd most popular type was FHA, with 336 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,274 $292,580,000 $229,655 $5,338 3.30%
    Refi 125 $38,955,000 $311,640 $3,746 3.03%
    Cash Out Refi 98 $19,620,000 $200,204 $4,476 3.43%
    Home Improvement 1 $135,000 $135,000 $3,649 2.75%

    For 2021, Stride Bank's most frequently cited loan purpose was Home Purchase, with 1,274 originations. The 2nd most popular reason was Refi, with 125 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,311 $316,775,000 $241,629 $5,331 3.28%
    15 Year 106 $19,380,000 $182,830 $3,588 2.85%
    5 Year 25 $3,305,000 $132,200 $0 4.31%
    10 Year 24 $2,960,000 $123,333 $2,803 3.61%
    20 Year 22 $5,180,000 $235,455 $3,558 3.40%
    Other 7 $3,205,000 $457,857 $4,519 4.13%
    1 Year 3 $485,000 $161,667 $3,068 4.42%

    For 2021, Stride Bank's most frequently cited loan duration was 30 Year, with 1,311 originations. The 2nd most popular length was 15 Year, with 106 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,163 $257,545,000 $221,449
    $2k-3k 71 $17,115,000 $241,056
    $<1k 67 $15,425,000 $230,224
    $3k-4k 47 $12,925,000 $275,000
    $5k+ 24 $8,260,000 $344,167
    $4k-5k 22 $6,300,000 $286,364

    Stride Bank's average total fees were $5,331, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,163 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 983 $216,655,000 $220,402
    2.5-3% 387 $93,815,000 $242,416
    4-5% 67 $27,375,000 $408,582
    <2.5% 53 $12,735,000 $240,283
    5-6% 7 $655,000 $93,571
    6-7% 1 $55,000 $55,000

    During 2021, Stride Bank's average interest rate for loans was 3.28%, while their most frequently originated rate bucket for loans was 3-4%, with 983 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 691 $189,265,000 $273,900 $5,797 3.23%
    $100k-200k 586 $89,100,000 $152,048 $4,459 3.31%
    $100,000 or less 127 $9,965,000 $78,465 $3,750 3.53%
    $400k-600k 83 $39,505,000 $475,964 $5,483 3.11%
    $600k-1MM 7 $4,935,000 $705,000 $15,358 3.38%
    $1MM+ 4 $18,520,000 $4,630,000 $5,403 4.09%

    2021 saw Stride Bank place emphasis on $200k-400k loans with 691 originations, totaling $189,265,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 388 $76,000,000 $195,876 $5,376 3.27%
    $100k-150k 308 $85,000,000 $275,974 $5,485 3.24%
    $50k or less 285 $40,745,000 $142,965 $4,717 3.28%
    $75k-100k 285 $65,455,000 $229,667 $5,279 3.24%
    $150k-250k 139 $45,685,000 $328,669 $4,817 3.21%
    $250k+ 44 $12,210,000 $277,500 $3,887 3.45%

    Stride Bank lent most frequently to those with incomes in the $50k-75k range, with 388 originations. The second most popular income band? $100k-150k, with 308 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 318 $67,990,000 $213,805 $4,542 3.18%
    30-36% 289 $63,735,000 $220,536 $4,759 3.29%
    <20% 89 $17,455,000 $196,124 $3,836 3.25%
    50-60% 79 $19,625,000 $248,418 $7,556 3.27%
    42% 64 $14,250,000 $222,656 $5,362 3.29%
    43% 59 $13,055,000 $221,271 $5,431 3.31%
    44% 59 $12,655,000 $214,492 $5,359 3.32%
    41% 56 $12,060,000 $215,357 $5,291 3.33%
    38% 53 $12,995,000 $245,189 $5,110 3.20%
    39% 50 $10,750,000 $215,000 $5,584 3.26%
    49% 49 $11,895,000 $242,755 $6,068 3.22%
    40% 48 $11,740,000 $244,583 $5,119 3.32%
    36% 45 $10,895,000 $242,111 $4,779 3.24%
    47% 44 $12,760,000 $290,000 $5,925 3.22%
    45% 41 $9,035,000 $220,366 $5,540 3.36%
    48% 40 $9,120,000 $228,000 $5,783 3.23%
    46% 36 $8,560,000 $237,778 $6,370 3.25%
    37% 34 $7,170,000 $210,882 $5,532 3.47%
    >60% 3 $725,000 $241,667 $3,673 3.81%

    Stride Bank lent most frequently to those with DTI ratios of 20-30%, with 318 originations. The next most common DTI ratio? 30-36%, with 289 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,070 $238,210,000 $222,626 $5,055 3.26%
    Not provided 234 $53,400,000 $228,205 $5,491 3.24%
    Not applicable 34 $23,110,000 $679,706 $0 4.37%
    American Indian 68 $13,830,000 $203,382 $4,807 3.26%
    Black 52 $12,480,000 $240,000 $5,880 3.36%
    Asian 35 $9,095,000 $259,857 $5,791 3.09%
    Native Hawaiian or Islander 4 $850,000 $212,500 $4,073 3.03%
    Native Hawaiian 1 $315,000 $315,000 $3,584 3.13%

    Approval Rates

    Total approvals of all applications
    96.72%

    Stride Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    80.11%

    Stride Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,498 $351,290,000 $234,506

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,498 $351,290,000 $234,506

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 41 $5,145,000 $125,488 $3,480 3.04%
    40-60% 77 $12,405,000 $161,104 $3,457 3.04%
    60-80% 361 $77,295,000 $214,114 $3,955 3.34%
    80-100% 957 $223,355,000 $233,391 $5,388 3.29%
    Over 100% 50 $30,990,000 $619,800 $13,053 3.36%
    Under 20% 4 $390,000 $97,500 $2,347 3.66%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Stride Bank, National Association 102 North Main Street Blackwell, OK 74631 Full Service B&M $51,097
    Stride Bank, National Association 1225 N. Broadway Avenue, Suite 201 Oklahoma City, OK 73103 Full Service B&M $3,495
    Stride Bank, National Association 127 South Main Street Mooreland, OK 73852 Full Service B&M $23,988
    Stride Bank, National Association 1902 Southeast Washington Boulevard Bartlesville, OK 74006 Full Service B&M $16,863
    Stride Bank, National Association 2219 West Willow Enid, OK 73703 Full Service B&M $53,524
    Stride Bank, National Association 224 East Blackwell Street Blackwell, OK 74631 Limited, Drive-thru $0
    Stride Bank, National Association 2730 Williams Street Woodward, OK 73801 Full Service B&M $39,689
    Stride Bank, National Association 324 West Broadway Enid, OK 73701 Full Service B&M $1,528,035
    Stride Bank, National Association 331 S Rio Grande St Ste 307 Salt Lake City, UT 84101 Full Service B&M $911
    Stride Bank, National Association 402 West Randolph Street Enid, OK 73701 Limited, Drive-thru $0
    Stride Bank, National Association 8811 S Yale Ave., Suite 101 Tulsa, OK 74137 Full Service B&M $47,080

    For 2021, Stride Bank had 11 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $40,763
    Net interest income $38,249
    Total noninterest income $46,718
    Gross Fiduciary activities income $3,583
    Service charges on deposit accounts $2,829
    Trading account gains and fees $0
    Additional Noninterest Income $40,306
    Pre-tax net operating income $26,252
    Securities gains (or losses, -) $0
    Income before extraordinary items $19,504
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $19,504
    Minority interest net income $0
    Net income $19,504
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $19,504

    Stride Bank's gross interest income from loans was $40,763,000.
    Stride Bank's net interest income from loans was $38,249,000.
    Stride Bank's fee based income from loans was $2,829,000.
    Stride Bank's net income from loans was $19,504,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,514
    Provision for credit losses $4,280
    Total noninterest expense $54,435
    Salaries and employee benefits $36,855
    Premises and equipment expense $4,015
    Additional noninterest expense $13,565
    Applicable income taxes $6,748
    Net charge-offs $3,093
    Cash dividends $5,200

    Stride Bank's interest expense for loans was $2,514,000.
    Stride Bank's payroll and benefits expense were $36,855,000.
    Stride Bank's property, plant and equipment expenses $4,015,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 11.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 3.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 1.0%
    Auto loans 0.0%
    Other consumer loans 1.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,059,209
    Deposits held in domestic offices $2,059,209
    Deposits by Individuals, partnerships, and corporations $2,033,372
    Deposits by U.S. Government $5
    Deposits by States and political subdivisions in the U.S. $25,733
    Deposits by Commercial banks and other depository institutions in U.S. $99
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,529,166
    Demand deposits $1,481,804
    Nontransaction accounts $530,043
    Money market deposit accounts (MMDAs) $116,966
    Other savings deposits (excluding MMDAs) $346,433
    Total time deposits $66,644
    Total time and savings deposits $577,405
    Noninterest-bearing deposits $1,647,156
    Interest-bearing deposits $412,053
    Retail deposits $1,847,772
    IRAs and Keogh plan accounts $11,570
    Brokered deposits $199,119
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,216,048
    Cash & Balances due from depository institutions $636,517
    Interest-bearing balances $623,459
    Total securities $71,337
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,484,027
    Loan and leases loss allowance $8,604
    Trading account assets $0
    Bank premises and fixed assets $7,822
    Other real estate owned $78
    Goodwill and other intangibles $1,172
    All other assets $15,095

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,216,048
    Total Liabilities $2,064,407
    Total deposits $2,059,209
    Interest-bearing deposits $412,053
    Deposits held in domestic offices $2,059,209
    % insured (estimated) $90
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $202
    Subordinated debt $0
    All other liabilities $4,996

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,484,027
    Loan and leases loss allowance $8,604
    Total loans and leases (domestic) $1,492,631
    All real estate loans $437,799
    Real estate loans in domestic offices $437,799
    Construction and development loans $39,799
    Residential 1-4 family construction $9,451
    Other construction, all land development and other land $30,348
    Loans secured by nonfarm nonresidential properties $271,249
    Nonfarm nonresidential secured by owner-occupied properties $62,520
    Commercial real estate & other non-farm, non-residential $208,729
    Multifamily residential real estate $3,774
    1-4 family residential loans $76,087
    Farmland loans $46,890
    Loans held in foreign offices $0
    Farm loans $69,494
    Commercial and industrial loans $208,677
    To non-U.S. addressees $0
    Loans to individuals $774,909
    Credit card loans $765,026
    Related Plans $55
    Consumer Auto Loans $805
    Other loans to individuals $9,023
    All other loans & leases $1,752
    Loans to foreign governments and official institutions $0
    Other loans $663
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $256
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $1,331
    Non 1-4 family restructured loans & leases $1,331
    Total loans and leases (foreign) $0

    Stride Bank had $1,484,027,000 of loans outstanding in 2021. $437,799,000 of loans were in real estate loans. $39,799,000 of loans were in development loans. $3,774,000 of loans were in multifamily mortgage loans. $76,087,000 of loans were in 1-4 family mortgage loans. $69,494,000 of loans were in farm loans. $765,026,000 of loans were in credit card loans. $805,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 199 $40,086 $201,437
    Nonfarm, nonresidential loans - <$100k 70 $3,148 $44,971
    Nonfarm, nonresidential loans - $100-250k 57 $7,727 $135,561
    Nonfarm, nonresidential loans - $250k-1MM 72 $29,211 $405,708
    Commercial & Industrial, US addressed loans - <$1MM 501 $39,545 $78,932
    Commercial & Industrial, US addressed loans - <$100k 319 $7,418 $23,254
    Commercial & Industrial, US addressed loans - $100-250k 96 $9,289 $96,760
    Commercial & Industrial, US addressed loans - $250k-1MM 86 $22,838 $265,558
    Farmland loans - <$1MM 151 $21,073 $139,556
    Farmland loans - <$100k 47 $1,963 $41,766
    Farmland loans - $100-250k 68 $8,963 $131,809
    Farmland loans - $250k-1MM 36 $10,147 $281,861
    Agriculture operations loans - <$1MM 245 $19,351 $78,984
    Agriculture operations loans - <$100k 146 $3,477 $23,815
    Agriculture operations loans - $100-250k 56 $6,165 $110,089
    Agriculture operations loans - $250k-1MM 43 $9,709 $225,791