BlastPoint's Banking Scorecard

Kirkwood Bank & Trust Co.

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

Bismarck, ND

4 branches across ND

2664 banks in the $100M-$1B peer group nationally 35 in 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 39.2% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.36% above tier average
+ Efficiency Ratio 6.59% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 9.2% in tier
- Net Interest Margin 0.35% below tier average

Get updates when Kirkwood Bank & Trust Co. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Total Assets ?	$361.7M +0.9% YoY -7.1% QoQ	-$24.4M	$386.1M +0.5% YoY	$1.1B +4.5% YoY	$6.2B +9.1% YoY	56%
Total Loans ?	$215.8M +3.4% YoY -2.3% QoQ	-$39.9M	$255.7M +1.1% YoY	$779.7M +5.6% YoY	$3.2B +10.8% YoY	52%
Total Deposits ?	$324.0M +0.4% YoY -7.8% QoQ	-$3.9M	$328.0M +0.1% YoY	$930.6M +2.8% YoY	$4.8B +8.2% YoY	59%
Return on Assets ?	1.63% +24.7% YoY +9.1% QoQ	+0.36%	1.27% +12.9% YoY	1.38% +15.2% YoY	1.23% +13.4% YoY	74%
Net Interest Margin ?	3.58% +7.4% YoY +1.7% QoQ	-0.35%	3.93% +6.0% YoY	3.69% +5.3% YoY	3.89% +5.7% YoY	34%
Efficiency Ratio ?	58.70% -8.0% YoY -3.6% QoQ	-6.59%	65.29% -4.5% YoY	60.25% -5.8% YoY	66.95% -4.1% YoY	64%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.92% +20.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	66.60% +3.0% YoY +5.9% QoQ	-10.04%	76.64% +0.8% YoY	69.27% +0.4% YoY	76.70% +0.9% YoY	73%
Non-Interest-Bearing Deposit Share ?	23.14% -2.5% YoY +0.1% QoQ	+1.12%	22.02% -1.0% YoY	22.07% +2.0% YoY	22.01% -1.2% YoY	59%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.56% +12.7% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	9.01% -1.5% YoY -1.4% QoQ	-6.82%	15.83% +1.5% YoY	13.00% +1.5% YoY	17.06% +0.8% YoY	Bottom 0.8% in tier
Non-Interest Income / Assets ?	0.15% +3.3% YoY -73.9% QoQ	-0.13%	0.28% +9.3% YoY	0.12% +7.9% YoY	0.32% +4.1% YoY	73%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (1)

Credit Quality Leader

growth

#261 of 664 • Top 39.2% 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: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Capital Thin

risk

#62 of 666 • Bottom 9.2% 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: 9.01%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Top Weaknesses (1 metrics)

2643

Tier 1 Capital Ratio

capital

Value: 9.01%

Peer Median: 15.83%

#2643 of 2664 Bottom 0.8% in $100M-$1B