Bank Comparison
Glenwood State Bank vs Kirkwood Bank and Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 9
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Glenwood State Bank | Kirkwood Bank and Trust Company |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.21% | 9.01% |
| Equity / Assets | 11.45% | 9.15% |
Profitability
| Metric | Glenwood State Bank | Kirkwood Bank and Trust Company |
|---|---|---|
| Return on Assets (ROA) | 3.10% | 1.60% |
| Return on Equity (ROE) | 26.18% | 18.47% |
| Net Interest Margin (NIM) | 3.96% | 3.65% |
| Yield on Earning Assets | 5.26% | 5.38% |
| Cost of Funds | 1.41% | 1.79% |
Asset quality
| Metric | Glenwood State Bank | Kirkwood Bank and Trust Company |
|---|---|---|
| Texas Ratio | 2.32% | 0.00% |
| Non-Performing Loan Ratio | 0.54% | 0.00% |
| Non-Performing Asset Ratio | 0.23% | 0.00% |
| Net Charge-Off Ratio | 0.74% | 0.00% |
| ACL / Loans | 1.03% | 1.27% |
Balance sheet
| Metric | Glenwood State Bank | Kirkwood Bank and Trust Company |
|---|---|---|
| Total Assets | $362,135K | $361,725K |
| Total Deposits | $318,427K | $324,046K |
| Total Loans | $157,559K | $218,565K |
| Total Equity | $41,455K | $33,108K |
| Net Income (quarter) | $2,654K | $1,527K |
Liquidity & funding
| Metric | Glenwood State Bank | Kirkwood Bank and Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 49.48% | 67.45% |
| Core Deposit Ratio | 95.35% | 88.95% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Glenwood State Bank | Kirkwood Bank and Trust Company |
|---|---|---|
| Headquarters City | GLENWOOD | BISMARCK |
| Headquarters State | IA | ND |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 4 | 4 |
| Employees (FTE) | 38 | 55 |
| Established | Jan. 1, 1899, midnight | Feb. 18, 1975, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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