Kirkwood Bank & Trust Co.

BankBismarck, North Dakota
www.kirkwoodbank.com

Total Assets

$389.4M

Total Deposits

$351.5M

Branches

4

Established

1975

TFS Health Grade

$
D+

67.2 / 100

Below average financial health

How we grade

Kirkwood Bank & Trust Co. is a bank headquartered in Bismarck, North Dakota, established in 1975. With $389.4M in total assets and 4 branch locations, it has a TFS Financial Health Grade of D+ (67.2/100).

Capital & Safety

Tier 1 Capital Ratio
9.13%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
1.49%(1%)
Return on Equity (ROE)
17.02%(10%)
Net Interest Margin
3.52%
Efficiency Ratio
60.91%(60%)

Lending & Liquidity

Total Loans
$223.8M
Loan-to-Deposit Ratio
62.87%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+10.86%
Deposit Growth (YoY)
+12.01%
Net Income
$5.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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