Stride Bank, National Association

Enid, OklahomaFDIC Cert #4091

OCCEstablished 191311 branches

Holding company: CENTRAL SERVICE CORPRegulator: OCC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$114M
Investor CRE	$730M
Multifamily	$16.8M
Construction	$91.4M
1–4 family	$428M
C&I	$274M
Agriculture	$264M
Other	$2.95B

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$4.86B

+35.3%y/y

FDICLNLSGR

Net loans

$4.84B

+35.4%y/y

FDICLNLSNET

Loans YoY

+35.35%

+298.7%y/y

FDICLNLSNET

L/D

92.7%

+3.7%y/y

FDICLNLSNET + DEP

Loans/assets

85.8%

+4.5%y/y

FDICLNLSNET + ASSET

RE loans %

30.68%

−8.3%y/y

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

210%

−7.4%y/y

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

23%

−42.8%y/y

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

3,941points

+11.9%y/y

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

2.35%

−12.8%y/y

FDICLNRENROW + LNLSGR

Investor CRE %

15.01%

−10.9%y/y

FDICLNRENROT + LNLSGR

C&I %

5.62%

−8.8%y/y

FDICLNCI + LNLSGR