Kirkpatrick Bank (FDIC #20156): Bank Stress & Real-Estate Credit Exposure

Kirkpatrick Bank (FDIC Cert #20156): bank stress 61/100, elevated, STABLE over 7 days; parent KIRKPATRICK BCORP INC.

Kirkpatrick Bank (#20156) lends in 3 counties across 2 states; Kirkpatrick Bank (#20156) reaches 135 ZIP codes: Colorado 2 counties, 80 ZIPs; Oklahoma 1 county, 55 ZIPs.

Kirkpatrick Bank (#20156) largest markets: Oklahoma County, OK (220 branches, 55 ZIPs) (#20156), El Paso County, CO (47 branches, 47 ZIPs) (#20156), Arapahoe County, CO (33 branches, 33 ZIPs) (#20156).

Kirkpatrick Bank (#20156) reports $1.00 billion in total assets; Kirkpatrick Bank (#20156) equity $90.9 million (9.1% of Kirkpatrick Bank (#20156) assets); Kirkpatrick Bank (#20156) domestic deposits $890.2 million; Kirkpatrick Bank (#20156) net income $8.6 million; Kirkpatrick Bank (#20156) return on assets 1.66%; Kirkpatrick Bank (#20156) return on equity 19.21%; Kirkpatrick Bank (#20156) net interest income $17.2 million; Kirkpatrick Bank (#20156) call report June 30, 2026.

Kirkpatrick Bank (#20156) noncurrent real-estate loans: none reported; Kirkpatrick Bank (#20156) net charge-offs on real estate 0.00%.

Kirkpatrick Bank (#20156) net interest margin 3.41% against an eight-quarter Kirkpatrick Bank (#20156) average of 3.26% (Kirkpatrick Bank (#20156) compression -0.15 points); Kirkpatrick Bank (#20156) rate-exposure score 40/100, Kirkpatrick Bank (#20156) fixed-rate trap 40/100; Kirkpatrick Bank (#20156) risk type credit driven; Kirkpatrick Bank (#20156) rate regime rates elevated, Kirkpatrick Bank (#20156) snapshot October 19, 2026.

Kirkpatrick Bank (#20156) stress score moved from 78.1 on June 22, 2026 to 60.7 on October 19, 2026; Kirkpatrick Bank (#20156) ranged 60.7 to 78.1 over 116 snapshots.

Kirkpatrick Bank (#20156) alerts: 3 counties; top Kirkpatrick Bank (#20156) alert scores: Colorado Springs County, OK 21 (low); Englewood County, OK 21 (low); Oklahoma City County, OK 21 (low).