Oklahoma-based national bank founded in 1913, offering consumer and commercial banking, mortgages, and wealth management across Oklahoma and Salt Lake City.
Data compiled from public sources · Rating from CreditDoc methodology
Stride Bank, National Association (formerly Central National Bank of Enid) was established in 1913 and has over a century of experience in community banking. The bank was nationally chartered in 1921, granted trust powers in 1926, and rebranded as Stride Bank in 2019. It has grown from a single location in Enid to a network of branches across Oklahoma (Enid, Tulsa, Oklahoma City, Bartlesville, Blackwell, Woodward, Mooreland) and an expansion location in Salt Lake City, Utah.
Stride Bank offers a comprehensive range of financial services including consumer banking (checking, savings, online banking, bill pay), commercial lending, mortgage origination, wealth management, and treasury management services. The bank specializes in niche lending sectors including agricultural loans, healthcare provider financing, commercial real estate, transportation and equipment financing for trucking companies, and commercial & industrial loans for small to mid-sized businesses. They provide home financing, trust account management, and payroll card services.
The bank distinguishes itself through deep industry expertise in specialized lending verticals. Their agricultural lending team consists of producers who understand farming firsthand. The healthcare lending team brings over 20 years of specialized experience.
The transportation lending division has 25+ years serving trucking and construction equipment financing. Home lending dates back over 100 years. This specialization contrasts with generic regional banks and represents genuine sector knowledge.
Stride Bank is FDIC insured and positioned as an Equal Housing Lender serving primarily Oklahoma's community banking needs. While they offer modern digital banking (online banking since 1998, bill pay, business internet banking), they maintain traditional community bank relationships and local decision-making. The expansion to Salt Lake City and focus on fintech lending suggests growth ambitions, though the bank remains fundamentally a regional institution with limited national reach.
Stride Bank, National Association processed 1,206 mortgage applications in 2023, approving 97.3% of applicants across 20 states.
1,206
Applications
97.3%
Approval Rate
$273K
Avg Loan
20
States Served
Based on 1,206 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Yes. Stride Bank, National Association is a registered company, headquartered in Enid, OK, founded in 1913.
Account opening typically takes 1-3 business days. Loan decisions vary by product.
CreditDoc Diagnosis
Stride Bank is best suited for small-to-mid-sized business owners, farmers, healthcare providers, and commercial borrowers in Oklahoma seeking relationship-based banking with specialized industry expertise. The primary caveat is that this is a regional bank with limited geographic reach outside Oklahoma and minimal consumer retail banking products, making it unsuitable for consumers seeking general-purpose banking or personal lending solutions.
Community bank serving Oklahoma since 1927, offering personal and business banking, lending, and deposit products with competitive rates and local relationship-based service.
Best for: Oklahoma residents seeking competitive deposit rates with local relationship banking, Small business owners and agricultural enterprises in Oklahoma needing relationship-based lending
All Capital Bank is a community-focused bank serving Locust Grove, OK since 1949, offering personal banking, business solutions, and loan products with emphasis on local community support.
Best for: Locust Grove, Oklahoma residents seeking community-oriented banking with local relationship focus, Small to medium-sized local businesses needing scalable banking and lending solutions
Oklahoma-based community bank offering personal and commercial checking, savings, CDs, IRAs, loans, and trust services since 1971.
Best for: Oklahoma-based business owners seeking commercial banking and trade finance services, Customers who value in-person relationships and local community banking over digital convenience
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