Stride Bank Mortgage Rates, Fees & Info

Enid, OK

LEI: 549300O5WDIJU8S7OI05

Tax ID: 73-0783952

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 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%	12/17/24
30 Year Conventional Refi	6.59%	12/17/24
30 Year Cash-out Refi	6.89%	12/17/24
30 Year FHA Purchase	7.71%	12/17/24
30 Year FHA Refi	7.43%	12/17/24
30 Year VA Purchase	6.54%	12/17/24
30 Year USDA Purchase	7.26%	12/17/24
15 Year Conventional Purchase	6.31%	12/17/24
15 Year Conventional Refi	6.12%	12/17/24
15 Year Cash-out Refi	6.12%	12/17/24
15 Year VA Purchase	5.77%	12/17/24
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

Purchase Price:

Loan Amount:

Deposit Amount:

% Deposit:

Interest Rate:

Loan Type:

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

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)

Similar Lenders

We use machine learning to identify the top lenders compared against Stride Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

Municipal Employees Credit Union of Oklahoma City
Similarity Rank: 208

RED CROWN
Similarity Rank: 360

WEOKIE
Similarity Rank: 432

OKLAHOMA CENTRAL Credit Union
Similarity Rank: 450

First Oklahoma Mortgage, LLC
Similarity Rank: 540

TRUE SKY
Similarity Rank: 550

United Heritage Credit Union
Similarity Rank: 636

ALLEGIANCE
Similarity Rank: 657

CWM PARTNERS, L.P.
Similarity Rank: 678

InterBank
Similarity Rank: 841

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