Kirkpatrick Bank
Edmond, Oklahoma, Oklahoma County
$1.0B in total assets, the 1,065th largest of 4,309 US banks and 25th of 171 headquartered in Oklahoma.
- FDIC certificate
- 20156
- Established
- 1970
- Owned by
- Kirkpatrick Bcorp Inc
- Primary regulator
- FDIC
- Website
- www.kirkpatrickbank.com
At a glance
Compared with 20 banks headquartered in Oklahoma with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.0B | 2% | $1.8B | |
| Loans | $707M | 15% | $1.4B | |
| Deposits | $890M | 5% | $1.2B | |
| Return on assets | 1.38% | 50% | 1.40% | |
| Net interest margin | 3.41% | 20% | 3.99% | |
| Efficiency ratio | 61.3% | 55% | 59.5% | |
| Equity to assets | 9.07% | 25% | 10.43% | |
| Loans to deposits | 79% | 30% | 95% |
Growth
Total assets grew -1.0% a year over the last 5 years and 3.4% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Dec 2001 | Farmers Bank Ault, CO | $56M |
| Jan 1990 | Heritage National Bank Edmond, OK | $13M |
Where they operate
6 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Oklahoma County, OK | $705M | 1.5% | 10 of 60 |
| El Paso County, CO | $146M | 1.4% | 19 of 40 |
| Arapahoe County, CO | $39M | 0.2% | 29 of 36 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 1 branch since 2016 (7 to 6, −14.3%). 2 opened, 0 acquired, 3 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 7 | |||
| 2019 | Closed Edmond | 0 | 1 | −1 | 6 |
| 2020 | Opened Westcliffe | 1 | 0 | +1 | 7 |
| 2025 | Opened Greenwood VillageClosed Denver | 1 | 1 | 0 | 7 |
| 2026 through Q2 | Sold 1 branch to Stockmens Bank | 0 | 1 | −1 | 6 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 63% | 35% | |
| Construction and land | 15% | 12% | |
| Business (C&I) | 10% | 17% | |
| 1-4 family residential | 9% | 19% | |
| Multifamily | 1% | 3% | |
| Consumer | 0% | 5% | |
| Farmland | 0% | 3% | |
| Agricultural | 0% | 2% | |
| Other | 1% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 72% | 50% | |
| Noninterest-bearing | 18% | 26% | |
| Time deposits | 11% | 24% |
Brokered deposits are 10.1% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.00% | 0.65% |
| Net charge-offs, annualized | 0.00% | 0.03% |
| Reserves to loans | 2.32% | 1.18% |
| Leverage ratio | 10.67% | 10.30% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Oklahoma
Largest competitors in Oklahoma County, OK
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/kirkpatrick