Stroud National Bank

Overview / Commentary
300 West Main
Stroud, OK 74079

Stroud National Bank is headquartered in Stroud and is the 144th largest bank in the state of Oklahoma. It is also the 4,376th largest bank in the nation. It was established in 1898 and as of December of 2019, it had grown to 30 employees at 3 locations. Stroud National Bank has a C+ health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Stroud National Bank has a relatively low asset base.

Health Grade Components

FDIC Certificate #4204
Year Established1898
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD5.45%
Annual Interest Income$3.5MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$74.1MM$78.5MM
LoansQ4 2019vs Q4 2018$43.6MM$45.8MM
DepositsQ4 2019vs Q4 2018$61.3MM$64.6MM
Equity CapitalQ4 2019vs Q4 2018$9.7MM$8.9MM
Loan Loss AllowanceQ4 2019vs Q4 2018$530.00K$525.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$1.2MM$1.1MM
Real Estate OwnedQ4 2019vs Q4 2018$53.00K$171.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Stroud National Bank Savings Account Rates

0.35%*$5k*-Passbook Savings
OTHER TIERS: 0.20% Up to $1k | 0.25% $1k - $5k
0.20%*$4k*-Senior Prestige Account
OTHER TIERS: 0.15% $1.5k - $4k
0.15%*$1.5k*$4kPrestige Account
OTHER TIERS: 0.02% $4k+

Stroud National Bank Money Market Rates

0.20%$1k-Money Market Demand Account
0.20%$1k-Corporate Money Market Accounts

Stroud National Bank Checking Account Rates

0.15%$500-Super Now Account
0.15%$500-Commercial Investment Now Accounts

Stroud National Bank CD Rates

1.26%$1k-60 Month CD
1.05%$1k-48 Month CD
0.95%$1k-36 Month CD
0.80%$1k-30 Month CD
0.75%$1k-18 Month CD
0.60%$1k-24 Month CD
0.50%$1k-12 Month CD
0.35%$1k-6 Month CD
0.25%$1k-91 Day CD

Stroud National Bank IRA Rates

0.75%$100-18 Month Variable IRA

Stroud National Bank Locations
Wellston Branch215 Second StreetWellston, OK 74881
Stroud National Bank300 West MainStroud, OK 74079
Perkins Branch830 N Main StreetPerkins, OK 74059

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