Bank · FDIC insured
Kirkwood Bank
A $351.3M bank headquartered in Bismarck, ND, with 4 branches in North Dakota. Best rates: CDs 4.27% and savings 1.00% APY.
Kirkwood Bank Carrot Score
86
Carrot Score
Higher than 72% of U.S. banks and credit unions
#4 of 12 in Bismarck, ND metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Kirkwood Bank
Kirkwood Bank & Trust Co. was originally established as the Bank of Kirkwood Plaza in 1975 before being acquired and renamed Dakota Bank & Trust Company in 1981.
In 1987, current stockholders purchased the bank and changed its name to Kirkwood Bank & Trust Co.
The bank operates four locations, with three in Bismarck, North Dakota and one in Dickinson, alongside trust, mortgage, and brokerage departments.
- Headquarters
- 2911 N 14th St, Bismarck, ND 58503
- FDIC certificate
- 21928 ↗
Branches
4 branches in North Dakota
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North Dakota
4 branches
Bismarck area · 3
- Kirkwood Bank & Trust Co.Main office2911 N 14th St, Bismarck, ND 58503Directions
- Downtown Bismarck Location122 E Main Ave, Bismarck, ND 58501Directions
- South Facility905 Tacoma Ave, Bismarck, ND 58504Directions
Dickinson area · 1
- Dickinson Branch221 1st Ave W, Dickinson, ND 58601Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.91% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.75% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $72 | $81 | — |
- CapitalLeverage ratio9.91%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.75%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$72Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Kirkwood Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.