FDIC Cert #21928 · Bismarck, North Dakota · Est. 1975

Kirkwood Bank & Trust Co. - FDIC Bank Health Profile

A community-scale look at Kirkwood Bank & Trust Co.'s own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$389M
Total assets
B
Health grade · Good
1.49%
Return on assets
9.1%
Tier 1 capital

Data updated July 2026

The verdict

Kirkwood Bank & Trust Co. earns a PlainBankData health grade of B (66/100), with 9.13% Tier 1 capital, profitable at 1.49% ROA, 61% efficiency ratio.

#2,120
largest of 4,313 FDIC banks by assets
51st
percentile by asset size, nationally
9.13%
Tier 1 ratio - below the 10% well-capitalized line
74th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 21928 · ND B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3419/4307
  • PHOTO-FINISH First State Bank of… · AR
  • TIER1-ADEQ 9.1% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 1.49% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside North Dakota: First State Bank of DeQueen, AR (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Kirkwood Bank & Trust Co.

Lowest and highest poles plus nearest scored peers outside North Dakota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Cornerstone State Bank · MN …66/100First State Bank of… · AR · …66/100Kirkwood Bank & Trus… · ND ·…66/100Three Rivers Bank of… · MT ·…66/100Wray State Bank · CO · near66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Kirkwood Bank & Trust Co. · July 2026

Plate reading for Kirkwood Bank & Trust Co. where failures stay rare

Kirkwood Bank & Trust Co. (FDIC Cert #21928) carries a PlainBankData health grade of B at 66/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,419 of 4,307. Tier 1 capital prints at 9.13%, missing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.49%. Balance-sheet scale is $389M, 2,120th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First State Bank of DeQueen (AR), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Kirkwood Bank & Trust Co.

Zero FAILURE resolutions in North Dakota since 2000

Kirkwood Bank & Trust Co. is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST FS & LA OF FARGO FARGO, ND 1991 → FIRST NB OF ND
  • FIRST NATIONAL BANK OF CROSBY CROSBY, ND 1990 → FIRST NATIONAL BANK & TRUST
  • THE FIRST STATE BANK OF REGENT REGENT, ND 1990 → FIRST NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and North Dakota banks.

How Kirkwood Bank & Trust Co.'s 66/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10066/100
Kirkwood Bank & Trust Co.'s composite health score
Tier 1 Capital Ratio (9.13%) 18/40
Return on Assets (ROA) (1.49%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (60.91%) 8/15

66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$389M

Total balance-sheet footings

Total Deposits

$352M

Customer-funded liabilities

Net Loans

$221M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.73% 9.13% 10.53%
Basel III capital ratios - Kirkwood Bank & Trust Co.

Where Kirkwood Bank & Trust Co. ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Kirkwood Bank & Trust Co.'s score of 66/100 falls in the highlighted band.

Kirkwood Bank & Trust Co.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 21st percentile higher than 21% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Kirkwood Bank & Trust Co. 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Kirkwood Bank & Trust Co.'s size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Kirkwood Bank & Trust Co.'s $389M falls in the highlighted band.

Safety metrics: Kirkwood Bank & Trust Co.

Tier 1 capital ratio
Well-capitalized 10%

9.13% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.13%
Texas Ratio
0.00%
Equity Capital
$33M

What these ratios mean →

Earnings posture at Kirkwood Bank & Trust Co.

Return on Assets (ROA)
74th percentile nationally
1.49%
Return on Equity (ROE)
17.02%
Efficiency Ratio
60.91%

What these mean →

Income & expense at Kirkwood Bank & Trust Co.

$18M
Interest Income
$2M
Non-Interest Income
$9M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Kirkwood Bank & Trust Co. reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Kirkwood Bank & Trust Co. on FDIC BankFind →

Top banks in North Dakota by total assets

Largest banks headquartered in North Dakota
  1. 1
    Bell Bank $14.4B

    Fargo, ND · Grade C

  2. 2
    First International Bank & Trust $6.2B

    Watford City, ND · Grade B

  3. 3
    Choice Financial Group $6.0B

    Fargo, ND · Grade B

  4. 4
    Alerus Financial $5.2B

    Grand Forks, ND · Grade C

  5. 5
    Gate City Bank $4.0B

    Fargo, ND · Grade D

Top 5 banks in North Dakota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($389M here), outside North Dakota so the neighborhood is not state containment.

Owen County State Bank $389M · IN The Security National Bank of Enid $390M · OK BankGloucester $390M · MA Grant County State Bank $389M · IN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Kirkwood Bank & Trust Co. (FDIC Cert #21928) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Kirkwood Bank & Trust Co. Call Report profile · FDIC Failed Bank List · North Dakota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in North Dakota

All North Dakota banks →
BankAssetsGradeROA
Bell BankFargo $14.4B C 0.59%
First International Bank & TrustWatford City $6.2B B 1.69%
Choice Financial GroupFargo $6.0B B 1.22%
Alerus Financial, National AssociationGrand Forks $5.2B C 0.42%
Gate City BankFargo $4.0B D 0.60%
Bravera BankDickinson $3.8B B 1.12%
Western State BankDevils Lake $2.6B A 1.79%
First Western Bank & TrustMinot $2.3B C 0.84%