BlastPoint's Banking Scorecard
Kirkwood Bank & Trust Co.
Micro
Specialty: Commercial
ND
FDIC cert 21928
Designations: ✓ Community bank
Bismarck, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
Kirkwood Bank & Trust Co. shows strong momentum with 2 strengths and 10.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$389.4M
+10.9% YoY
+11.0% QoQ
|
+$171.9M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$221.0M
+10.1% YoY
+1.4% QoQ
|
+$81.8M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
79% |
| Total Deposits ? |
$351.5M
+12.0% YoY
+11.8% QoQ
|
+$167.8M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
1.49%
+43.5% YoY
+6.0% QoQ
|
+0.41% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
3.52%
+15.8% YoY
+1.0% QoQ
|
-0.33% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
60.91%
-11.2% YoY
-2.2% QoQ
|
-6.82% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
65% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
62.87%
-1.7% YoY
-9.3% QoQ
|
-11.66% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
23.11%
-6.1% YoY
-2.1% QoQ
|
+0.71% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.57%
-7.3% YoY
+23.2% QoQ
|
+0.01% |
0.56%
+0.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
90
90th pctile
Total Deposits
Current: $351.5M · Tier avg: $183.7M
87
87th pctile
Total Assets
Current: $389.4M · Tier avg: $217.5M
79
79th pctile
Total Loans
Current: $221.0M · Tier avg: $139.2M
75
75th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.56%
74
74th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.08%
72
72th pctile
Loan-to-Deposit Ratio
Current: 62.87% · Tier avg: 74.53%
65
65th pctile
Efficiency Ratio
Current: 60.91% · Tier avg: 67.73%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 23.11% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
35
35th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.85%
Top Weaknesses
35
35th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 23.11% · Tier avg: 22.39%
65
65th pctile
Efficiency Ratio
Current: 60.91% · Tier avg: 67.73%
72
72th pctile
Loan-to-Deposit Ratio
Current: 62.87% · Tier avg: 74.53%
74
74th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.08%
75
75th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.56%
79
79th pctile
Total Loans
Current: $221.0M · Tier avg: $139.2M
87
87th pctile
Total Assets
Current: $389.4M · Tier avg: $217.5M
90
90th pctile
Total Deposits
Current: $351.5M · Tier avg: $183.7M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%