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Kirkwood Bank & Trust Co.
Bismarck, ND · FDIC Certificate #21928 · Chartered 02/1
Total assets
$351.25M
Total deposits
$312.59M
Total equity
$33.97M
Net loans
$222.36M
Branches (offices)
4
Net income (YTD)
$3.22M
Rank: #2,249 of 4,213 U.S. banks by assets · #26 of 60 in North Dakota. Assets changed -0.9% and deposits -1.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.75% |
| Return on equity | 19.30% |
| Net interest margin (YTD) | 3.71% |
| Equity to assets | 9.67% |
| Tier 1 leverage ratio | 9.91% |
| Uninsured deposits (share of deposits) | 21.9% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 71.1% |
| Real estate loans (share of loans) | 69.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $154.11M | 69.3% | |
| Commercial & industrial | $47.00M | 21.1% | |
| Consumer / individual | $10.78M | 4.8% | |
| Construction & development | $18.70M | 8.4% | |
| Agricultural | $11.98M | 5.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $324.57M | $289.06M | $1.31M | $27.98M |
| Jun 2023 | $318.64M | $283.41M | $1.69M | $29.25M |
| Jun 2024 | $338.67M | $301.25M | $1.69M | $30.31M |
| Jun 2025 | $354.55M | $318.10M | $2.39M | $31.85M |
| Jun 2026 | $351.25M | $312.59M | $3.22M | $33.97M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $312.59M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $312.59M.
Similar-sized banks
1St Trust Bank, Inc. ($351.71M) · Sherburne Bank ($351.06M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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