TellerScore

Kirkpatrick Bank (FDIC certificate #20156) is based in Edmond, Oklahoma. Its Q2 2026 call report shows $1.0B in total assets and $890.2M in deposits and 6 offices across 2 states.

Based on its Q2 2026 filing, Kirkpatrick Bank scores 79/100, which we describe as strong. That is higher than 88% of 897 banks with $1 billion – $10 billion. Among 170 banks headquartered in Oklahoma, it ranks 44th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (57/100; 10.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Tier 1 leverage ratio: 10.67%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings86/100
Return on assets (annualized): 1.66%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 77.5% · 30.2% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 7 points (72 → 79), mostly because the earnings component improved by 31 points.

TellerScore
707579Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202472
Q4 202470
Q1 202572
Q2 202572
Q3 202573
Q4 202573
Q1 202670
Q2 202679
Tier 1 leverage ratio
5.00%7.95%10.90%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.16%
Q3 202410.50%
Q4 202410.31%
Q1 202510.36%
Q2 202510.64%
Q3 202510.90%
Q4 202510.87%
Q1 202610.09%
Q2 202610.67%
Noncurrent loans
0.00%0.00%0.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.01%
Q3 20250.01%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.83%1.24%1.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.11%
Q3 20241.08%
Q4 20240.91%
Q1 20250.90%
Q2 20250.87%
Q3 20250.88%
Q4 20250.98%
Q1 20260.83%
Q2 20261.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$1.0B10.67%0.00%1.66%77.5%
Q1 202670$1.1B10.09%0.00%0.83%77.4%
Q4 202573$1.0B10.87%0.00%0.98%81.6%
Q3 202573$1.0B10.90%0.01%0.88%76.8%
Q2 202572$981.3M10.64%0.01%0.87%82.3%
Q1 202572$1.0B10.36%0.00%0.90%79.3%
Q4 202470$993.1M10.31%0.00%0.91%85.7%
Q3 202472$1.0B10.50%0.00%1.08%86.0%
Q2 202471$980.4M10.16%0.00%1.11%77.6%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.67%
54th
Total risk-based capital16.54%
80th
Problem loans0.00%
96th
Net charge-offs0.00%
82nd
Return on assets1.66%
77th
Net interest margin3.41%
32nd
Efficiency ratio61.3%
43rd
Loans to deposits77.5%
73rd
Uninsured deposits30.2%
52nd
Loan-loss reserves2.32%
97th
Texas ratio0.0%
97th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
MapleMark BankBank Tulsa, OK59 out of 100, Moderate$1.0B11.6%0.66%vs
Grand Savings BankBank Grove, OK80 out of 100, Strong$1.0B12.0%0.63%vs
Brooks Bank, National AssociationBank Chickasha, OK70 out of 100, Strong$1.1B13.3%2.61%vs
Firstar BankBank Sallisaw, OK66 out of 100, Moderate$1.2B9.0%0.68%vs
Liberty National BankBank Lawton, OK84 out of 100, Strong$1.3B10.3%0.02%vs
First Oklahoma BankBank Jenks, OK61 out of 100, Moderate$1.3B9.1%0.55%vs

Deposit insurance

Is my money safe at Kirkpatrick Bank?

Yes. Kirkpatrick Bank is an FDIC-insured institution (FDIC certificate #20156). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.2% of deposits ($269.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.67%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.54% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Kirkpatrick Bank lists 5 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Kirkpatrick Bank reported 100 home-loan applications under HMDA (LEI 5493009EEWZ9S4F2BE94): 85 originated ($32,645,000 total), 4 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Kirkpatrick Bank
Former names
American Bank and Trust; American Bank of Edmond
Type
State-chartered bank
FDIC certificate #
20156
RSSD ID
67151
Primary regulator
FDIC
Holding company
Kirkpatrick Bcorp Inc
Established
March 23, 1970
Headquarters
15 E 15th St, Edmond, OK 73013
Employees
122

Quick answers

Kirkpatrick Bank: common questions

Is Kirkpatrick Bank FDIC insured?

Yes. Kirkpatrick Bank is an FDIC-insured institution (FDIC certificate #20156). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Kirkpatrick Bank's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Kirkpatrick Bank ever failed?

There is no failure record for FDIC certificate #20156 in the FDIC failed bank list.

How many branches does Kirkpatrick Bank have?

6 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Edmond

InstitutionScoreAssetsCapitalProblem loansCompare
Oklahoma Federal Credit UnionCredit union Oklahoma City, OK91 out of 100, Very strong$198.9M20.2%0.24%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
Sooner State BankBank Tuttle, OK86 out of 100, Very strong$354.6M12.8%0.33%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs
U. S. Employees O. C. Federal Credit UnionCredit union Oklahoma City, OK85 out of 100, Very strong$213.5M16.3%0.20%vs
Tinker Federal Credit UnionCredit union Oklahoma City, OK83 out of 100, Strong$6.1B14.7%0.63%vs