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Kirkwood Bank & Trust Co.

$100M-$1B Specialty: Commercial ND FDIC cert 21928

Bismarck, ND

4 branches across ND

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 34 in ND.
  • Deposits -1.7% year over year ($312.6M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.75%.
  • Efficiency ratio 57.88% vs a 64.48% peer average.
  • Loan-to-deposit ratio 71.13% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 34 in ND
View $100M-$1B leaderboard (ND) →

Kirkwood Bank & Trust Co. has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 36.3% in tier
  • + Profitability Leader: Top 42.7% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Efficiency Ratio 6.59% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 8.0% in tier
  • - Net Interest Margin 0.27% below tier average
Get updates when Kirkwood Bank & Trust Co. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Total Assets ? $351.3M
-0.9% YoY -2.9% QoQ
-$35.3M $386.6M
+1.2% YoY
$1.1B
+6.9% YoY
$6.3B
+7.7% YoY
54%
Total Loans ? $222.4M
+3.8% YoY +3.0% QoQ
-$36.0M $258.3M
+1.7% YoY
$805.2M
+6.2% YoY
$3.2B
+9.4% YoY
53%
Total Deposits ? $312.6M
-1.7% YoY -3.5% QoQ
-$14.1M $326.7M
+0.7% YoY
$922.2M
+5.0% YoY
$4.9B
+7.3% YoY
57%
Return on Assets ? 1.75%
+30.1% YoY +7.8% QoQ
+0.43% 1.32%
+10.8% YoY
1.44%
+8.8% YoY
1.30%
+12.1% YoY
78%
Net Interest Margin ? 3.71%
+9.1% YoY +3.8% QoQ
-0.27% 3.99%
+5.0% YoY
3.79%
+4.3% YoY
3.95%
+4.9% YoY
38%
Efficiency Ratio ? 57.88%
-8.3% YoY -1.4% QoQ
-6.59% 64.48%
-3.2% YoY
59.23%
-3.7% YoY
70.05%
+2.5% YoY
64%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.86%
+16.6% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 71.13%
+5.7% YoY +6.8% QoQ
-6.82% 77.95%
+1.0% YoY
73.82%
-0.7% YoY
79.03%
+2.3% YoY
68%
Non-Interest-Bearing Deposit Share ? 23.69%
+4.5% YoY +2.4% QoQ
+1.66% 22.03%
-0.6% YoY
21.56%
+2.8% YoY
21.98%
-0.6% YoY
61%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.54%
+8.1% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 9.91%
+6.8% YoY +10.0% QoQ
-6.00% 15.91%
+1.4% YoY
12.90%
+0.7% YoY
17.09%
+0.8% YoY
Bottom 9.5% in tier
Non-Interest Income / Assets ? 0.35%
+17.0% YoY +137.1% QoQ
-0.21% 0.57%
+7.6% YoY
0.22%
-1.4% YoY
0.66%
+5.2% YoY
80%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Noninterest-Bearing 23.7%
+1.0pp YoY
+0.6pp QoQ
 +1.5pp 22.1% 21.6% 22.2% 61%
Brokered Deposits n/a n/a 7.9% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
C&I 21.1%
+0.7pp YoY
-0.9pp QoQ
 +9.6pp 11.6% 12.9% 12.5% 90%
CRE 40.8%
-4.0pp YoY
-1.1pp QoQ
 +1.3pp 39.5% 29.0% 41.4% 55%
1-4 Family 21.6%
+3.2pp YoY
+0.3pp QoQ
 -11.0pp 32.6% 12.3% 31.3% 34%
Consumer 4.8%
+0.1pp YoY
+0.1pp QoQ
 +0.7pp 4.1% 4.5% 5.0% 76%

Capital

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.3% 19.7% n/a
Leverage Ratio 9.9%
+0.6pp YoY
+0.9pp QoQ
 -2.3pp 12.2% 10.7% 12.6% 29%
Total Capital Ratio n/a n/a 19.9% 16.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Full-Time Employees 54
+1 (+1.9%) YoY
-1 (-1.8%) QoQ
 -5 58 138 482 57%
Assets per Employee ($) $6.5M
-2.8% YoY
-1.1% QoQ
 -$1.0M $7.5M $8.3M $8.8M 43%
Branch Count 4
0 YoY
0 QoQ
 -1 4 7 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.5% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.7% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 73.79x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
ROE 19.3%
+3.9pp YoY
+0.8pp QoQ
 +7.1pp 12.2% 16.0% 11.6% 86%
Cost of Funds (YTD) 1.7%
-0.1pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.7% 1.7% 48%
Net Income ($, YTD) $3.2M
+34.7% YoY
— QoQ
 +$666K $2.6M $7.0M $40.4M 73%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Credit Quality Leader

growth
#240 of 659 • Top 36.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Profitability Leader

growth
#283 of 661 • Top 42.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.75%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (1)

Capital Thin

risk
#54 of 661 • Bottom 8.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.91%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
535
Non-Interest Income / Assets
revenue_mix
Value: 0.35%
Peer Median: 0.57%
#535 of 2643 Top 20.2% in $100M-$1B
581
Return on Assets
profitability
Value: 1.75%
Peer Median: 1.32%
#581 of 2643 Top 21.9% in $100M-$1B

Top Weaknesses (1 metrics)

2394
Tier 1 Capital Ratio
capital
Value: 9.91%
Peer Median: 15.91%
#2394 of 2643 Bottom 9.5% in $100M-$1B
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