Side-by-side · Q2 2026 data
Dakota Heritage Bank vs Kirkwood Bank & Trust Co.
Metric by metric
| Measure | Dakota Heritage Bank | Kirkwood Bank & Trust Co. |
|---|---|---|
| TellerScore | 63 | 80 (stronger) |
| Capital cushion | 48 | 49 (stronger) |
| Loan quality | 46 | 100 (stronger) |
| Earnings | 98 (stronger) | 90 |
| Funding & liquidity | 66 | 82 (stronger) |
| Problem-loan coverage | 74 | 100 (stronger) |
| Peer percentile | 24th | 77th |
| Total assets | $416.8M | $351.3M |
| Deposits / shares | $366.8M | $312.6M |
| Capital ratio | 9.83% | 9.91% (stronger) |
| Problem loans | 1.62% | 0.00% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.96% (stronger) | 1.75% |
| Loans ÷ deposits | 93.4% | 71.1% (stronger) |
| Uninsured deposits | 15.6% (stronger) | 21.9% |
| Offices | 11 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.1% | 2.1% |
Kirkwood Bank & Trust Co. has the higher TellerScore (80 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Dakota Heritage Bank leads on 2 and Kirkwood Bank & Trust Co. on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.