Side-by-side · Q2 2026 data
Security First Bank of North Dakota vs Kirkwood Bank & Trust Co.
Bank
Security First Bank of North Dakota
New Salem, North Dakota · $100 million – $1 billion
Metric by metric
| Measure | Security First Bank of North Dakota | Kirkwood Bank & Trust Co. |
|---|---|---|
| TellerScore | 87 (stronger) | 80 |
| Capital cushion | 80 (stronger) | 49 |
| Loan quality | 100 | 100 |
| Earnings | 95 (stronger) | 90 |
| Funding & liquidity | 65 | 82 (stronger) |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 91st | 77th |
| Total assets | $293.2M | $351.3M |
| Deposits / shares | $246.8M | $312.6M |
| Capital ratio | 12.99% (stronger) | 9.91% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.86% (stronger) | 1.75% |
| Loans ÷ deposits | 92.6% | 71.1% (stronger) |
| Uninsured deposits | 17.8% (stronger) | 21.9% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.7% | 2.1% |
Security First Bank of North Dakota has the higher TellerScore (87 vs 80). On the 5 directional measures above (where higher or lower is clearly better), Security First Bank of North Dakota leads on 4 and Kirkwood Bank & Trust Co. on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.