Kirkpatrick Bank: Financial Reports & UBPR Data
BankRegReports is independent of Kirkpatrick Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Kirkpatrick Bank is one of the more profitable banks of its size. It reported $1.0 billion in assets at June 30, 2026, up 2.2% from a year earlier. It earns about $2.34 a year on every $100 of assets, about double the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it holds commercial real estate loans worth 3.7 times its capital, higher than about 9 in 10 banks its size (median 2.2 times).
Loans and deposits moved in opposite directions: over the year loans fell 1.2% and deposits rose 4.9%. Paper losses on its bond portfolio are shrinking: unrealized losses of $26 million equal 22% of Tier 1 capital, down from 29% a year earlier. Its margin is thin by comparison: it keeps 3.16 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, Kirkpatrick Bank reported a CET1 capital ratio of 15.28%, a return on assets of 2.34%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 15 E 15th St, Edmond, OK 73013
- County
- Oklahoma
- Metro Area
- Oklahoma City, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 23, 1970
- Former names
- American Bank and Trust (1973-2004); American Bank of Edmond (1973)
- Offices
- 6 domestic
- Employees (FTE)
- 122
- Domestic deposits
- $890.2M
- Allowance for credit losses
- $16.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $1.09B
- Average total loans
- $732.9M
- Average interest-bearing deposits
- $792.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 23, 1970
- FDIC Cert
- 20156
- Fed RSSD
- 67151
- Website
- www.kirkpatrickbank.com →
- Parent Holding Company
- KIRKPATRICK BANCORP, INC. (RSSD 1136269)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Kirkpatrick Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Kirkpatrick Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Kirkpatrick Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Kirkpatrick Bank: ROA.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.28% | 2.34% | 0.00% | 0.00% | 3.16% |
| Q1 2026 | 14.27% | 0.77% | 0.00% | 0.00% | 3.12% |
| Q4 2025 | 13.70% | 1.25% | 0.01% | 0.00% | 3.34% |
| Q3 2025 | 14.52% | 0.91% | 2.18% | 0.07% | 3.18% |
| Q2 2025 | 14.51% | 0.80% | 2.34% | 0.07% | 3.04% |
| Q1 2025 | 13.75% | 0.86% | 2.27% | 0.00% | 3.01% |
| Q4 2024 | 13.48% | 0.38% | 2.29% | 0.00% | 2.98% |
| Q3 2024 | 13.29% | 1.02% | 2.31% | 0.00% | 3.10% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Kirkpatrick Bank (main office) | Edmond , OK | 73013 | $644.0M |
| Co Springs Branch | Colorado Springs , CO | 80903 | $146.5M |
| 8450 E. Crescent Parkway Branch | Greenwood Village , CO | 80111 | $39.1M |
| Savingssquare.Com Branch | Edmond , OK | 73013 | $27.6M |
| Edmond Branch | Edmond , OK | 73003 | $19.6M |
| Okc Branch | Oklahoma City , OK | 73116 | $13.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 28, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1990 | Structure Change | Acquired Heritage National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
What the public regulatory sources show for Kirkpatrick Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in OK, rank 38 of 194 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 73 applications, 65 loans originated, $25.2M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $430K approved, $430K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Kirkpatrick Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Kirkpatrick Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Kirkpatrick Bank
What are Kirkpatrick Bank's total assets?
As of the Q2 2026 filing, Kirkpatrick Bank reported total assets of $1.00 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Kirkpatrick Bank headquartered?
Kirkpatrick Bank is headquartered in Edmond, OK, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Kirkpatrick Bank founded?
Kirkpatrick Bank was established in 1970, per the FDIC institution directory.
Is Kirkpatrick Bank FDIC-insured?
Yes. Kirkpatrick Bank is an FDIC-insured commercial bank (FDIC Certificate #20156). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Kirkpatrick Bank?
Kirkpatrick Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Kirkpatrick Bank's CET1 capital ratio?
Kirkpatrick Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.28% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Kirkpatrick Bank operate?
Kirkpatrick Bank operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Kirkpatrick Bank's Texas Ratio?
Kirkpatrick Bank's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Kirkpatrick Bank previously called?
The charter now named Kirkpatrick Bank has also operated as American Bank and Trust (1973-2004), American Bank of Edmond (1973), per FDIC structure-change records.
Go deeper on Kirkpatrick Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Kirkpatrick Bank, freeFree account