Bank Safety Analysis
Is Kirkwood Bank and Trust Company Safe? Bismarck, North Dakota
Based on its Q2 2026 call report, Kirkwood Bank and Trust Company meets the community bank leverage ratio test for well capitalized, its Texas ratio is 0.00%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Kirkwood Bank and Trust Company safe?
On its Q2 2026 call report, Kirkwood Bank and Trust Company's Community Bank Leverage Ratio is 9.91%, above the 9% threshold that makes a community bank well capitalized.
- CET1 ratio (Q2 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q2 2026): 9.91%
- Texas ratio (Q2 2026): 0.00%
- Noncurrent loans ratio (Q2 2026): 0.00%
Kirkwood Bank and Trust Company is an FDIC-insured commercial bank (FDIC Certificate #21928). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Kirkwood Bank and Trust Company (FDIC Certificate #21928) filed for the quarter ended June 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
Kirkwood Bank and Trust Company passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
Compared with Q1 2026, net interest margin rose 0.35 percentage points in Q2 2026 to 3.86%, the biggest move on this page. Within North Dakota, Kirkwood Bank and Trust Company is 36th of 60 on leverage ratio, 9.91% as of Q2 2026. Kirkwood Bank and Trust Company reported 9.91% on leverage ratio for Q2 2026, 1.04 points below the 10.95% median for banks in the $100M-1B asset tier. From Q3 2023 to Q2 2026, Kirkwood Bank and Trust Company's Texas ratio held at 0.00% in every quarter. Between Q2 2025 and Q2 2026, Kirkwood Bank and Trust Company's nonperforming loan ratio (nonaccrual plus 90+ days past due) held at 0.00%, Texas ratio held at 0.00% and return on assets rose from 1.39% to 1.89%.
Of the 60 banks headquartered in North Dakota, Kirkwood Bank and Trust Company is the 26th largest by total assets at Q2 2026. 1-4 family residential loans are its largest loan category, $48.0M of $225.1M in total loans on its June 30, 2026 call report. Against the 2,757 banks with $100M to $1B in assets for Q2 2026, Kirkwood Bank and Trust Company's community bank leverage ratio of 9.91% is below the 10.95% median, nonperforming loans ratio of 0.00% is below the 0.41% median, Texas ratio of 0.00% is below the 2.65% median, and efficiency ratio of 56.81% is below the 61.41% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
How does Kirkwood Bank and Trust Company score on capital, credit and costs?
Peer cohort: $100M to $1B (2,660 banks) · Industry averages as of Q2 2026.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 10.95%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 10.95%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 0.41%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 2.65%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 61.41%.
Does Kirkwood Bank and Trust Company trip any risk screens?
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 0.00% | Within range |
| Non-performing loan ratio BankRegReports band | 0.00% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 72.02% | Within range |
| Commercial real estate to capital supervisory threshold | 152.06% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.00% |
Loans by type, Q2 2026
- 1-4 family residential loans: $48.0M
- Commercial and industrial loans: $47.0M
- Non-owner-occupied commercial real estate loans: $34.5M
- Owner-occupied commercial real estate loans: $32.6M
- Construction and land development loans: $18.7M
- Agricultural production loans: $12.0M
- Auto loans: $6.3M
- Multifamily loans: $4.9M
How have Kirkwood Bank and Trust Company's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Jun 30, 2026 | $351.3M | 9.91% | 0.00% | 0.00% | 56.81% |
| Mar 31, 2026 | $361.7M | 9.01% | 0.00% | 0.00% | 58.36% |
| Dec 31, 2025 | $389.4M | 9.13% | 0.00% | 0.00% | 56.89% |
| Sep 30, 2025 | $350.9M | 9.19% | 0.00% | 0.00% | 60.39% |
| Jun 30, 2025 | $354.6M | 9.28% | 0.00% | 0.00% | 62.07% |
| Mar 31, 2025 | $358.5M | 9.14% | 0.00% | 0.00% | 63.39% |
| Dec 31, 2024 | $351.3M | 9.29% | 0.00% | 0.00% | 65.56% |
| Sep 30, 2024 | $336.0M | 9.50% | 0.00% | 0.00% | 68.55% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Kirkwood Bank and Trust Company FDIC insured?
Yes. Kirkwood Bank and Trust Company is an FDIC-insured commercial bank (FDIC Certificate #21928). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Kirkwood Bank and Trust Company well capitalized?
On its Q2 2026 call report, Kirkwood Bank and Trust Company's Community Bank Leverage Ratio is 9.91%, above the 9% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Kirkwood Bank and Trust Company's key safety ratios?
For Q2 2026, Kirkwood Bank and Trust Company reports leverage 9.91%, Texas ratio 0.00%, noncurrent loans 0.00%. Its Texas ratio compares with the 2.65% median for the 2,757 banks with $100M to $1B in assets.
What happens to my deposits if Kirkwood Bank and Trust Company fails?
For Q2 2026, Kirkwood Bank and Trust Company reported $312.6M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Kirkwood Bank and Trust Company profile.
How we score this
Kirkwood Bank and Trust Company elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Community Bank Leverage Ratio: Tier 1 capital divided by average total assets, for a qualifying community bank that elects the simpler framework. Pass > 9.0% (CBLR elected); 8.0% from July 1, 2026, fail ≤ 8.0%.
Tier 1 Leverage Ratio: The same ratio as its community bank leverage ratio. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200%, concern at 300%; Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 21928) · FFIEC NIC profile (RSSD 908450)
Explore: Full Kirkwood Bank and Trust Company profile · Other banks in ND · Metric glossary · How the call report works