🏦Bank Scorer

KIRKWOOD BANK & TRUST CO.

BISMARCK, ND · Supervised by FDIC

Est. 1975FDIC #21,928RSSD: FDIC-21928
Part ofKIRKWOOD BCORP CO→ View all charters
Satisfactory Same

Current rating · Exam: June 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.63%

Institution Profile

FDIC BankFind

Address

2911 N 14th St, BISMARCK, ND

County

Burleigh County

Established

February 18, 1975

Total Assets

$362M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2022

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$362M

Total Deposits

$324M

Net Loans

$216M

Net Income

$2M

ROA

1.63%

ROE

18.47%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate0.61%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$318M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202416590.91%0.61%
202312580%3.20%
202219278.13%3.13%
202136587.4%0.82%
202042890.19%2.34%
201919990.45%3.52%
201816590.3%3.64%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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