Kirkwood Bank & Trust Co.
Bismarck, ND
IDRSSD: 908450
Total Assets
$350.85M
Latest filing
Total Deposits
$314.54M
Latest filing
Net Interest Margin
3.63%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Kirkwood Bank & Trust Co.
2911 N 14th St
Bismarck, ND 58503
Full Service - Brick and Mortar
Updated 11/14/2025Established 02/18/1975FDIC Certificate 15197
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Kirkwood Bank & Trust Co. (Main) | 2911 N 14th St | Bismarck, ND |
| SOUTH FACILITY | 905 Tacoma Ave | Bismarck, ND |
| DICKINSON BRANCH | 221 1st Ave W | Dickinson, ND |
| DOWNTOWN BISMARCK LOCATION | 122 E Main Ave | Bismarck, ND |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/18/1975 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 58503 |
| State and County Number | 38015 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Bismarck, ND |
Operational Info
| Number of Employees | 53 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 02/18/1975 |
| Primary Insurance Agency | DIF |
| Website | www.kirkwoodbank.com |
| Data Updated | 11/14/2025 |
| CERT | 21928 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $350.85M |
| Total Deposits | $314.54M |
| Total Liabilities | $319.23M |
| Total Equity Capital | $31.63M |
| Net Income | $1.34M |
| Net Loans and Leases | $217.94M |
| Assets Per Employee ($Millions) | $6.5M |
| Bank Premises and Fixed Assets | $8.57M |
| Cash and Balances due from Depository Institutions | $25.31M |
| Deposits Held in Domestic Offices | $314.54M |
Key Performance Ratios
| Return on Assets (ROA) | 1.52% |
| Return on Equity (ROE) | 16.91% |
| Net Interest Margin | 3.63% |
| Efficiency Ratio | 60.76% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.014% |
| Earning Assets to total Assets | 94.17% |
Income and Expense
| Total Interest Income | $4.49M |
| Total Noninterest Income | $553.00k |
| Total Interest Expense | $1.47M |
| Total Noninterest Expense | $2.17M |
| Net Interest Income | $3.02M |
| Pre-tax Net Operating Income | $1.34M |
| Provision for Credit Losses | $60.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $5.00M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.69M |
| Total Liabilities and Capital | $350.85M |
Securities
| Securities | $88.72M |
| Available-for-sale debt securities | $88.72M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Kirkwood Bank & Trust Co.?
$350.85M as of the latest filing.
How much are Kirkwood Bank & Trust Co.'s total deposits?
$314.54M in total deposits.
Where is Kirkwood Bank & Trust Co. located?
Bismarck, ND.
What is the Net Interest Margin?
3.63%.
How many domestic offices does it operate?
4.
When was it established?
02/18/1975.
What is the Return on Assets (ROA)?
1.52%.
How much are total loans and leases?
$217.94M (latest filing).
What is the total interest income (latest filing)?
$4.49M.