Headquartered in Bismarck, North Dakota, Kirkwood Bank & Trust Co. is a state-chartered bank with $351.3M in total assets and $312.6M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1975.
Based on its Q2 2026 filing, Kirkwood Bank & Trust Co. scores 80/100, which we describe as strong. That is higher than 77% of 2,650 banks with $100 million – $1 billion. Among 60 banks headquartered in North Dakota, it ranks 10th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (49/100; 9.91%).
TellerScore · Q2 2026
Scorecard
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 5 points (75 → 80), mostly because the earnings component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 74 |
| Q4 2024 | 73 |
| Q1 2025 | 74 |
| Q2 2025 | 75 |
| Q3 2025 | 75 |
| Q4 2025 | 75 |
| Q1 2026 | 77 |
| Q2 2026 | 80 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.52% |
| Q3 2024 | 9.50% |
| Q4 2024 | 9.29% |
| Q1 2025 | 9.14% |
| Q2 2025 | 9.28% |
| Q3 2025 | 9.19% |
| Q4 2025 | 9.13% |
| Q1 2026 | 9.01% |
| Q2 2026 | 9.91% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.00% |
| Q3 2024 | 1.03% |
| Q4 2024 | 1.04% |
| Q1 2025 | 1.30% |
| Q2 2025 | 1.35% |
| Q3 2025 | 1.41% |
| Q4 2025 | 1.49% |
| Q1 2026 | 1.63% |
| Q2 2026 | 1.75% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $351.3M | 9.91% | 0.00% | 1.75% | 71.1% |
| Q1 2026 | 77 | $361.7M | 9.01% | 0.00% | 1.63% | 66.6% |
| Q4 2025 | 75 | $389.4M | 9.13% | 0.00% | 1.49% | 62.9% |
| Q3 2025 | 75 | $350.9M | 9.19% | 0.00% | 1.41% | 69.3% |
| Q2 2025 | 75 | $354.6M | 9.28% | 0.00% | 1.35% | 67.3% |
| Q1 2025 | 74 | $358.5M | 9.14% | 0.00% | 1.30% | 64.7% |
| Q4 2024 | 73 | $351.3M | 9.29% | 0.00% | 1.04% | 64.0% |
| Q3 2024 | 74 | $336.0M | 9.50% | 0.00% | 1.03% | 65.2% |
| Q2 2024 | 74 | $338.7M | 9.52% | 0.00% | 1.00% | 63.9% |
2,650 peers · $100 million – $1 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).
Similar-size banks in North Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| TruCommunity BankBank Garrison, ND | 58 out of 100, Moderate | $338.2M | 11.1% | 2.18% | vs |
| Stock Growers BankBank Forman, ND | 86 out of 100, Very strong | $332.9M | 11.6% | 0.05% | vs |
| The Union BankBank Beulah, ND | 64 out of 100, Moderate | $312.2M | 10.1% | 1.38% | vs |
| Security First Bank of North DakotaBank New Salem, ND | 87 out of 100, Very strong | $293.2M | 13.0% | 0.00% | vs |
| The Bank of TiogaBank Tioga, ND | 63 out of 100, Moderate | $412.1M | 9.4% | 1.15% | vs |
| Dakota Western BankBank Bowman, ND | 76 out of 100, Strong | $416.2M | 11.6% | 0.84% | vs |
Deposit insurance
Is my money safe at Kirkwood Bank & Trust Co.?
Yes. Kirkwood Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #21928). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.9% of deposits ($68.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.91%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
Kirkwood Bank & Trust Co. lists 4 offices in 2 cities. Most locations:
- Bismarck, ND (3)
- Dickinson, ND (1)
HMDA 2025
Mortgage lending
In 2025, Kirkwood Bank & Trust Co. reported 153 home-loan applications under HMDA (LEI 549300C5STIFBCFMRJ96): 133 originated ($36,605,000 total), 3 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.1%, 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
- Kirkwood Bank & Trust Co.
- Former names
- Dakota Bank and Trust Co. of Bismarck; The Bank of Kirkwood Plaza
- Type
- State-chartered bank
- FDIC certificate #
- 21928
- RSSD ID
- 908450
- Primary regulator
- FDIC
- Holding company
- Kirkwood Bcorp Co
- Established
- February 18, 1975
- Headquarters
- 2911 N 14th St, Bismarck, ND 58503
- Website
- www.kirkwoodbank.com
- Employees
- 54
Quick answers
Kirkwood Bank & Trust Co.: common questions
Is Kirkwood Bank & Trust Co. FDIC insured?
Yes. Kirkwood Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #21928). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Kirkwood Bank & Trust Co.'s TellerScore?
80 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 Kirkwood Bank & Trust Co. ever failed?
There is no failure record for FDIC certificate #21928 in the FDIC failed bank list.
How many branches does Kirkwood Bank & Trust Co. have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Bismarck
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security First Bank of North DakotaBank New Salem, ND | 87 out of 100, Very strong | $293.2M | 13.0% | 0.00% | vs |
| Dakota Community Bank & Trust, National AssociationBank Hebron, ND | 76 out of 100, Strong | $1.4B | 9.1% | 0.08% | vs |
| Railway Credit UnionCredit union Mandan, ND | 74 out of 100, Strong | $211.6M | 12.1% | 0.50% | vs |
| Choice Financial GroupBank Fargo, ND | 73 out of 100, Strong | $6.4B | 10.8% | 0.68% | vs |
| BNC National BankBank Glendale, AZ | 71 out of 100, Strong | $1.0B | 12.2% | 0.84% | vs |
| First Community Credit UnionCredit union Jamestown, ND | 71 out of 100, Strong | $1.5B | 12.3% | 0.61% | vs |