Side-by-side · Q2 2026 data
TruCommunity Bank vs Kirkwood Bank & Trust Co.
Metric by metric
| Measure | TruCommunity Bank | Kirkwood Bank & Trust Co. |
|---|---|---|
| TellerScore | 58 | 80 (stronger) |
| Capital cushion | 61 (stronger) | 49 |
| Loan quality | 27 | 100 (stronger) |
| Earnings | 76 | 90 (stronger) |
| Funding & liquidity | 71 | 82 (stronger) |
| Problem-loan coverage | 73 | 100 (stronger) |
| Peer percentile | 16th | 77th |
| Total assets | $338.2M | $351.3M |
| Deposits / shares | $282.3M | $312.6M |
| Capital ratio | 11.06% (stronger) | 9.91% |
| Problem loans | 2.18% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.41% | 1.75% (stronger) |
| Loans ÷ deposits | 77.5% | 71.1% (stronger) |
| Uninsured deposits | 25.8% | 21.9% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.1% |
Kirkwood Bank & Trust Co. has the higher TellerScore (80 vs 58). On the 7 directional measures above (where higher or lower is clearly better), TruCommunity Bank leads on 1 and Kirkwood Bank & Trust Co. on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.