Side-by-side · Q2 2026 data
Dakota Community Bank & Trust, National Association vs Kirkwood Bank & Trust Co.
Bank
Dakota Community Bank & Trust, National Association
Hebron, North Dakota · $1 billion – $10 billion
Metric by metric
| Measure | Dakota Community Bank & Trust, National Association | Kirkwood Bank & Trust Co. |
|---|---|---|
| TellerScore | 76 | 80 (stronger) |
| Capital cushion | 41 | 49 (stronger) |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 93 (stronger) | 90 |
| Funding & liquidity | 73 | 82 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 80th | 77th |
| Total assets | $1.4B | $351.3M |
| Deposits / shares | $1.2B | $312.6M |
| Capital ratio | 9.07% | 9.91% (stronger) |
| Problem loans | 0.08% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.83% (stronger) | 1.75% |
| Loans ÷ deposits | 67.0% (stronger) | 71.1% |
| Uninsured deposits | 32.9% | 21.9% (stronger) |
| Offices | 13 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.1% | 2.1% |
Kirkwood Bank & Trust Co. has the higher TellerScore (80 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Dakota Community Bank & Trust, National Association leads on 2 and Kirkwood Bank & Trust Co. on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.