Kirkwood Bank & Trust Co.

Overview / Commentary

www.kirkwoodbank.com

800-492-4955

2911 N. 14th Street
Bismarck, ND 58503

Kirkwood Bank & Trust Co. is headquartered in BISMARCK and is the 26^th largest bank in the state of North Dakota. It is also the 2,301^st largest bank in the nation. It was established in 1975 and as of June of 2024, it had grown to 53 employees at 4 locations. Kirkwood Bank & Trust Co.'s CD rates are 4X the national average, and it has an A health rating.

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Health

Data as of Q2 2024

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Health Grade Components

Overall
FDIC Certificate #	21928
Year Established	1975
Employees	53
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1%
Return on Equity - YTD	11.35%
Annual Interest Income	$7.7MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$338.7MM$318.6MM
Loans	Q2 2024vs Q2 2023	$192.6MM$190.5MM
Deposits	Q2 2024vs Q2 2023	$301.2MM$283.4MM
Equity Capital	Q2 2024vs Q2 2023	$30.3MM$29.3MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$2.4MM$2.4MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$0$0
Real Estate Owned	Q2 2024vs Q2 2023	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Kirkwood Bank & Trust Co. Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%^*	$5k^*	-	Statement Savings
OTHER TIERS: 0.65% → $0 - $5k

Kirkwood Bank & Trust Co. Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.21%^*	$100k^*	-	Money Market Checking
OTHER TIERS: 0.85% → $0 - $2.5k \| 0.95% → $2.5k - $10k \| 1.00% → $10k - $50k \| 1.11% → $50k - $100k

Kirkwood Bank & Trust Co. Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.45%^*	$5k^*	-	NOW Checking
OTHER TIERS: 0.35% → $0 - $5k
0.45%^*	$5k^*	-	Senior Checking
OTHER TIERS: 0.35% → $0 - $5k
0.45%^*	$5k^*	-	K60 Checking
OTHER TIERS: 0.35% → $0 - $5k

Kirkwood Bank & Trust Co. CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.30%	$500	-	182 Day CD
4.25%	$500	-	91 Day CD
4.02%	$500	-	9 Month CD
3.85%	$500	-	12 Month CD
3.51%	$2.5k	-	18 Month CD
3.00%	$2.5k	-	30 Month CD
3.00%	$2.5k	-	36 Month CD
3.00%	$2.5k	-	48 Month CD
3.00%	$2.5k	-	60 Month CD

Kirkwood Bank & Trust Co. IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.51%	$1k	-	18 Month IRA CD
3.00%	$1k	-	30 Month IRA CD

Locations

Kirkwood Bank & Trust Co. Locations
Downtown Bismarck Location	122 East Main Street	Bismarck, ND 58501
Dickinson Branch	221 First Avenue West	Dickinson, ND 58601
Kirkwood Bank & Trust Co.	2911 N 14th St	Bismarck, ND 58503
South Facility	905 Tacoma Avenue	Bismarck, ND 58504
Branch Office	826 Kirkwood Mall	Birsmarck, ND 58504

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