KIRKWOOD BANK AND TRUST COMPANY

Latest Report: 2025-12-31

KIRKWOOD BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in BISMARCK, ND, established in Feb. 18, 1975, midnight. As of 2025-12-31, the bank reported total assets of $389M and total deposits of $352M. Profitability stands at 1.78% ROA and 20.39% ROE, with a net interest margin of 3.83%. The bank's CET1 capital ratio is 8.48%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #21928.

Assets

$389M

Deposits

$352M

Loans

$224M

Equity

$33M

Profitability

Return on Assets (ROA) 1.78%

Return on Equity (ROE) 20.39%

Net Interest Margin (NIM) 3.83%

Yield on Assets 5.57%

Cost of Funds 1.78%

Asset Quality

NPL Ratio 0.00%

Net Charge-Off Ratio 0.00%

Texas Ratio 0.00%

NPA Ratio 0.00%

ACL / Loans 1.24%

Capital & Liquidity

CET1 Ratio 8.48%

Tier 1 Capital 8.48%

Total Capital Ratio 8.91%

Leverage Ratio 9.13%

Loan-to-Deposit 63.65%

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