Who We Are

When it Matters

We are committed to create the best customer experience, serve our communities and enrich lives through extraordinary service from extraordinary people.

Who We Are

Extraordinary Matters

Together, we aspire to help each individual, each family and each business achieve their dreams.

Together, we build lasting relationships that enrich lives through extraordinary service from extraordinary people.

Our Values

Service

We help to assure that the communities we serve remain extraordinary places to work and live by investing our time, resources and energy into one individual, one family and one business at a time.

History

50 Years + & Counting

1975

Kirkwood Bank & Trust was chartered by the North Dakota Department of Banking and Financial Institutions as the Bank of Kirkwood Plaza.

1981

Bank of Kirkwood Plaza was sold to a Fargo banker and renamed Dakota Bank & Trust Company.

1987

The current owners purchased the bank and renamed it Kirkwood Bank & Trust.

1996

Kirkwood Bank & Trust expands to a new market in Dickinson, ND.

2001

Kirkwood Bank & Trust broke ground on their new headquarters located at 2911 North 14th Street, Bismarck ND.

Present

We have 4 locations with 50+ Team Members. We remain committed to ensuring the communities we serve remain extraordinary places to work and live.

Recent Resources

Do you have what it takes to be a Scam Slayer?
October 27, 2026

Do you have what it takes to be a Scam Slayer?

Nearly 3 in 4 Americans have experienced a scam or fraud attempt*. Every day, thousands of people fall victim to fraudulent emails, texts and calls from scammers pretending to be their bank, a loved one, the government or law enforcement. In fact, Americans lost an estimated $68 billion to scams last year**. At Kirkwood Bank… Continue reading Do you have what it takes to be a Scam Slayer?

Identity Theft Resources
January 29, 2026

Identity Theft Resources

Staying informed is your first line of defense against identity theft. Simple steps like monitoring your accounts regularly, using strong and unique passwords and being careful about where and how you share personal information can make a big difference. Identity thieves often look for easy opportunities, and a few proactive habits can significantly reduce your… Continue reading Identity Theft Resources

Protecting Your Payment Cards
January 20, 2026

Protecting Your Payment Cards

Payment cards such as ATM, debit, credit and EBT cards make paying for things easier and more efficient, but they are also common targets for fraud. Criminals use discreet scam devices like pinhole cameras, skimmers, and fake keypads to steal card information and PINs at ATMs, point-of-sale terminals and gas pumps, often in just seconds… Continue reading Protecting Your Payment Cards