Kirkwood Bank and Trust Company
Kirkwood Bank and Trust Company is an FDIC-insured commercial bank headquartered in Bismarck, ND, supervised by the FDIC, with $351.3M in total assets at Q2 2026, down 0.9% from Q2 2025, the 26th largest of 60 banks headquartered in North Dakota. It was established in 1975 and holds FDIC certificate 21928. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.91% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
Also written as KB&T
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 21928
- Headquarters
- Bismarck, ND
- Established
- 1975
- Total assets, Q2 2026
- $351.3M
- Assets vs Q2 2025
- -0.9%
- Tier 1 leverage ratio, Q2 2026
- 9.91%
- Domestic offices
- 4 · Kirkwood Bank and Trust Company branches FDIC institution directory, current count
- Routing number
- 091310592
- Safety and soundness
- Is Kirkwood Bank and Trust Company safe?
- Latest call report
- Q2 2026, FFIEC 051 · Kirkwood Bank and Trust Company Q3 2026 call report, filed October 24, 2026 (preliminary)
- Holding company
- KIRKWOOD BANCORPORATION CO.
- Asset rank in state
- 26th of 60 in North Dakota
Kirkwood Bank and Trust Company, based in Bismarck, North Dakota, reported $351 million in assets at June 30, 2026. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 2.7%). It also returns 20.2% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.6%).
Earnings jumped: net income for the quarter was $1.7 million, 37% above the same quarter a year earlier. Over the same year, loans grew 3.8% and deposits shrank 1.7%.
As of June 30, 2026, Kirkwood Bank and Trust Company reported a return on assets of 1.89%, 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.
By total assets at Q2 2026, Kirkwood Bank and Trust Company is the 26th largest of the 60 banks headquartered in North Dakota. Between Q1 2026 and Q2 2026, its total assets fell 2.9% to $351.3M, loans rose 3.0% and deposits fell 3.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 21.3% of total loans, ahead of commercial and industrial loans at 20.9%. Its 4 offices in the FDIC Summary of Deposits are in Bismarck, ND and Dickinson, ND; its Bismarck 3 offices book 75% of its branch deposits. On its Q2 2026 call report, Kirkwood Bank and Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2911 N 14th St, Bismarck, ND 58503
- County
- Burleigh
- Metro Area
- Bismarck, ND
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 18, 1975
- Former names
- Kirkwood Bank & Trust Co. (1987); Dakota Bank and Trust Co. of Bismarck (1983-1987)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 54
- Domestic deposits
- $312.6M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- $0
- Average total assets
- $358.1M
- Average total loans
- $221.1M
- Average interest-bearing deposits
- $245.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 18, 1975
- FDIC Cert
- 21928
- Fed RSSD
- 908450
- Website
- www.kirkwoodbank.com →
- Parent Holding Company
- KIRKWOOD BANCORPORATION CO. (RSSD 1843558)
Profitability
Q2 annualizedBalance 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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Kirkwood Bank and Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Kirkwood Bank and Trust Company's total assets moved between a low of $328.5M (Q3 2023) and a high of $389.4M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$351.3M total assets against $354.6M; $317.3M total liabilities against $322.7M.
$222.4M net loans and leases against $214.1M; $312.6M total deposits against $318.1M.
$83.1M securities against $90.0M; $31.0M cash and balances due against $36.9M.
$4.6M total interest income against $4.4M; $1.4M total interest expense against $1.5M.
$3.3M net interest income against $2.9M.
$698K total noninterest income against $551K; $2.3M total noninterest expense against $2.2M.
$0 provision for credit losses against $60K.
$1.7M net income against $1.2M.
1.89% return on assets against 1.39%; 3.86% net interest margin against 3.59%.
9.91% tier 1 leverage ratio against 9.28%.
Inside the full Kirkwood Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeKirkwood Bank and Trust Company rankings
Its closest position to the top of a national ranking is 628 of 3,611, for ROA; its furthest is 3,445 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.07% (Q4 2024) to 1.89% (Q2 2026) and its net interest margin ran from 3.02% (Q3 2024) to 3.86% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.91% | 1.89% | 0.00% | 0.00% | 3.86% |
| Q1 2026 | 9.01% | 1.60% | 0.00% | 0.00% | 3.51% |
| Q4 2025 | 9.13% | 1.79% | 0.00% | 0.00% | 3.77% |
| Q3 2025 | 9.19% | 1.52% | 0.00% | 0.00% | 3.64% |
| Q2 2025 | 9.28% | 1.39% | 0.00% | 0.00% | 3.59% |
| Q1 2025 | 9.14% | 1.30% | 0.00% | 0.00% | 3.28% |
| Q4 2024 | 9.29% | 1.07% | 0.00% | 0.00% | 3.21% |
| Q3 2024 | 9.50% | 1.09% | 0.00% | 0.00% | 3.02% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Kirkwood Bank & Trust Co. | Bismarck , ND | 58503 | $108.2M |
| South Facility | Bismarck , ND | 58504 | $82.3M |
| Dickinson Branch | Dickinson , ND | 58601 | $77.4M |
| Downtown Bismarck Location | Bismarck , ND | 58501 | $44.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in ND, rank 27 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 153 applications, 133 loans originated, $36.6M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $350K approved, $350K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (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 Kirkwood Bank and Trust Company
What are Kirkwood Bank and Trust Company's total assets?
As of the Q2 2026 filing, Kirkwood Bank and Trust Company reported total assets of $351.3 million in its FFIEC call report.
Where is Kirkwood Bank and Trust Company headquartered?
It is headquartered in Bismarck, ND, United States.
When was Kirkwood Bank and Trust Company founded?
It was established in 1975, per the FDIC institution directory.
Is Kirkwood Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21928). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Kirkwood Bank and Trust Company?
Kirkwood Bank and Trust Company's primary federal regulator is the FDIC.
How many branches does Kirkwood Bank and Trust Company operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Kirkwood Bank and Trust Company'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 Kirkwood Bank and Trust Company previously called?
The charter now named Kirkwood Bank and Trust Company has also operated as Kirkwood Bank & Trust Co. (1987), Dakota Bank and Trust Co. of Bismarck (1983-1987), per FDIC structure-change records.
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