B
Kirkwood Bank and Trust Company
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Kirkwood Bank and Trust Company
Bismarck, ND
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Rating B
Asset Quality Index 8.60
Capitalization Index 7.30
Liquidity Index 2.90
Profitability Index 5.60
Stability Index 6.30
Company Info Kirkwood Bank and Trust Company
Bismarck, ND
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FDIC Number 21928
Phone Number (701) 258-6550
Website www.kirkwoodbank.com
Asset Quality Kirkwood Bank and Trust Company
Bismarck, ND
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1-Year Asset Growth 4.42%
5-Year Asset Growth 8.54%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.03%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.05%
Balance Sheet Kirkwood Bank and Trust Company
Bismarck, ND
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Total Assets 350.85M
Total Deposits 314.54M
Capital and Reserves Kirkwood Bank and Trust Company
Bismarck, ND
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Capital 31.63M
Leverage Ratio 9.19
Loan Loss Reserves to Loans 1.25%
Risk-Based Capital Ratio --
Liquidity Kirkwood Bank and Trust Company
Bismarck, ND
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Hot Money Ratio 20.71%
Liquidity Ratio 25.08%
Profitability Kirkwood Bank and Trust Company
Bismarck, ND
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5-Year Return on Average Assets 1.11%
Net Income 3.73M
Net Interest Spread 3.50%
Operating Profit to Average Assets 1.40%
Overhead Efficiency Ratio 62.28%
Return on Assets 1.40%
Return on Equity 15.87%