Side-by-side · Q2 2026 data
Kirkwood Bank & Trust Co. vs BNC National Bank
Metric by metric
| Measure | Kirkwood Bank & Trust Co. | BNC National Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 71 |
| Capital cushion | 49 | 72 (stronger) |
| Loan quality | 100 (stronger) | 72 |
| Earnings | 90 (stronger) | 65 |
| Funding & liquidity | 82 (stronger) | 62 |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 77th | 63rd |
| Total assets | $351.3M | $1.0B |
| Deposits / shares | $312.6M | $915.8M |
| Capital ratio | 9.91% | 12.21% (stronger) |
| Problem loans | 0.00% (stronger) | 0.84% |
| Net charge-offs | 0.00% (stronger) | 0.61% |
| Return on assets | 1.75% (stronger) | 1.14% |
| Loans ÷ deposits | 71.1% (stronger) | 78.8% |
| Uninsured deposits | 21.9% (stronger) | 32.5% |
| Offices | 4 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.1% | 14.5% |
Kirkwood Bank & Trust Co. has the higher TellerScore (80 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Kirkwood Bank & Trust Co. leads on 6 and BNC National Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.