Kirkpatrick Bank
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Data as of · sourced from FFIEC call reports. How we update
Kirkpatrick Bank is an FDIC-insured commercial bank headquartered in Edmond, OK, established in 1970 (FDIC certificate 20156), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.00B, up 2.2% from Q2 2025, the 25th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 15.28% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 20156
- Headquarters
- Edmond, OK
- Established
- 1970
- Total assets, Q2 2026
- $1.00B
- Assets vs Q2 2025
- +2.2%
- CET1 ratio, Q2 2026
- 15.28%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 103001469
- Holding company
- KIRKPATRICK BANCORP, INC.
- Asset rank in state
- 25th of 169 in Oklahoma
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%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, Kirkpatrick Bank is the 25th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 5.3% to $1.00B, loans fell 6.3% and deposits fell 6.6%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 51.7% of total loans, followed by construction and land development loans at 15.5%. Its 6 offices in the FDIC Summary of Deposits are in 4 cities across 2 states; its Edmond 3 offices book 78% of its branch deposits. On its Q2 2026 call report, Kirkpatrick Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 6 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Kirkpatrick Bank's total assets ranged from $970.6M (Q4 2023) to $1.06B (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.00B total assets against $981.3M; $911.7M total liabilities against $903.1M.
$690.2M net loans and leases against $698.9M; $890.2M total deposits against $848.7M.
$207.8M securities against $225.8M; $85.0M cash and balances due against $36.8M.
$13.5M total interest income against $13.1M; $4.9M total interest expense against $5.3M.
$8.5M net interest income against $7.7M.
$4.4M total noninterest income against $553K; $6.6M total noninterest expense against $6.2M.
No provision recorded in the last 12 quarters.
$6.4M net income against $2.1M.
2.34% return on assets against 0.80%; 3.16% net interest margin against 3.04%.
15.28% CET1 capital ratio against 14.51%; 10.67% tier 1 leverage ratio against 10.64%.
Inside the full Kirkpatrick Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 228 of 3,611, for ROA; its furthest is 3,346 of 3,640, for Texas Ratio.
Metric pages for Kirkpatrick Bank: ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.38% (Q4 2024) to 2.34% (Q2 2026) and its net interest margin ran from 2.98% (Q4 2024) to 3.34% (Q4 2025).
| 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% | 0.00% | 0.00% | 3.34% |
| Q3 2025 | 14.52% | 0.91% | 0.01% | 0.07% | 3.18% |
| Q2 2025 | 14.51% | 0.80% | 0.01% | 0.07% | 3.04% |
| Q1 2025 | 13.75% | 0.86% | 0.00% | 0.00% | 3.01% |
| Q4 2024 | 13.48% | 0.38% | 0.00% | 0.00% | 2.98% |
| Q3 2024 | 13.29% | 1.02% | 0.00% | 0.00% | 3.10% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in OK, rank 38 of 192 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Kirkpatrick Bank headquartered?
It is headquartered in Edmond, OK, United States.
When was Kirkpatrick Bank founded?
It was established in 1970, per the FDIC institution directory.
Is Kirkpatrick Bank FDIC-insured?
Yes. It 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.
What is Kirkpatrick Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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.
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