Regional bank operating 4 locations in North Dakota offering personal, business, and wealth management services since 1975. Full-service banking with online and mobile access.
Editorially reviewed by Harvey Brooks
Kirkwood Bank & Trust Co. was originally established as the Bank of Kirkwood Plaza in 1975 by a local Bismarck family. The bank changed ownership and names twice—becoming Dakota Bank & Trust Company in 1981 and finally Kirkwood Bank & Trust Co. in 1987 under its current stockholders. Over 50 years, the institution has grown from 14 team members to 50+ employees across 4 locations: three in Bismarck, North Dakota and one in Dickinson, North Dakota.
The bank provides comprehensive banking services across three primary divisions: Personal Banking (checking, savings, and personal financial solutions), Business Banking (tailored solutions for business growth and evolution), and Wealth Management (financial planning and trust services). All customers can access accounts 24/7 through personal online banking and mobile banking platforms. The bank operates 50+ ATMs and maintains a Trust Department, Mortgage Department, and Brokerage Department. Customers can reach the bank via phone at 1.800.492.4955 or visit any of the four physical locations.
Kirkwood Bank & Trust distinguishes itself through its emphasis on personalized relationships and local ownership. Customer testimonials highlight the friendly and personable service, efficiency in mortgage processing, and quality trust department services. The bank actively invests in community engagement through volunteer hours and positions itself around the SOLID values: Service, Ownership, Loyalty, Integrity, and Dedication. As a locally-owned regional bank rather than a national chain, they market themselves as understanding community-specific needs.
The bank is well-suited for customers seeking traditional banking services with a local, relationship-focused approach. However, as a regional institution, Kirkwood Bank & Trust may have more limited product breadth than national banks and likely higher minimum balance requirements or fees. The limited geographic footprint (only 4 locations in North Dakota) makes it impractical for customers outside that region. Online and mobile banking capabilities are mentioned but specific feature details are not disclosed on the website.
Yes. Kirkwood Bank & Trust Co. is a registered company headquartered in Bismarck, ND, founded in 1975. They hold a rating with the Better Business Bureau.
Account opening typically takes 1-3 business days. Loan decisions vary by product.
CreditDoc Diagnosis
Kirkwood Bank & Trust is best for North Dakota residents and business owners seeking traditional, relationship-focused banking with local ownership and decision-making. The main caveat is geographic limitation—the bank only operates in Bismarck and Dickinson, North Dakota, making it unsuitable for customers outside those markets, and the website lacks transparency on specific rates, fees, and product details needed to compare competitively with other regional or national banks.
North Dakota Housing Finance Agency is a state government entity offering mortgage financing programs for home buyers. They provide FHA loans and work with participating lenders across North Dakota.
Best for: First-time home buyers in North Dakota seeking FHA financing options, North Dakota residents looking for government-backed mortgage programs with established lender networks
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