Kirkwood Bank and Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.57 percentage points higher than in Q1 2026, at 72.02%. Within North Dakota, Kirkwood Bank and Trust Company is 14th of 60 on return on assets, 1.89% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Kirkwood Bank and Trust Company reported 1.89% on return on assets in Q2 2026, 0.64 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.91% |
| Equity capital to assets | 9.67% |
| Tangible equity to tangible assets | 9.67% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.89% |
| Return on equity | 20.20% |
| Net interest margin | 3.86% |
| Efficiency ratio | 56.81% |
| Yield on earning assets | 5.47% |
| Cost of funds | 1.71% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.02% |
| Core deposits to total deposits | 88.08% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.99% |
| Securities to assets | 23.65% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.57% | 1.10% | 3.03% | 0.08% | 0.00% |
| Q4 2023 | 9.39% | 0.98% | 2.92% | 0.08% | 0.00% |
| Q1 2024 | 9.60% | 1.00% | 2.87% | 0.07% | 0.00% |
| Q2 2024 | 9.52% | 1.04% | 3.04% | 0.07% | -0.02% |
| Q3 2024 | 9.50% | 1.09% | 3.02% | 0.07% | 0.00% |
| Q4 2024 | 9.29% | 1.07% | 3.21% | 0.06% | 0.00% |
| Q1 2025 | 9.14% | 1.30% | 3.28% | 0.06% | 0.00% |
| Q2 2025 | 9.28% | 1.39% | 3.59% | 0.05% | 0.00% |
| Q3 2025 | 9.19% | 1.52% | 3.64% | 0.05% | 0.00% |
| Q4 2025 | 9.13% | 1.79% | 3.77% | 0.00% | 0.00% |
| Q1 2026 | 9.01% | 1.60% | 3.51% | 0.00% | 0.00% |
| Q2 2026 | 9.91% | 1.89% | 3.86% | 0.00% | 0.00% |
Kirkwood Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Kirkwood Bank and Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Kirkwood Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21928) · FFIEC NIC profile (RSSD 908450)