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Kodabank
Drayton, ND · FDIC Certificate #8386 · Chartered 04/0
Total assets
$559.84M
Total deposits
$482.98M
Total equity
$57.14M
Net loans
$426.07M
Branches (offices)
12
Net income (YTD)
$4.67M
Rank: #1,644 of 4,213 U.S. banks by assets · #20 of 60 in North Dakota. Assets changed 8.3% and deposits 8.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.69% |
| Return on equity | 16.94% |
| Net interest margin (YTD) | 3.82% |
| Equity to assets | 10.21% |
| Tier 1 leverage ratio | 10.28% |
| Uninsured deposits (share of deposits) | 23.6% |
| Noncurrent loans (share of loans) | 0.30% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 88.2% |
| Real estate loans (share of loans) | 65.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $279.32M | 65.6% | |
| Commercial & industrial | $63.24M | 14.8% | |
| Consumer / individual | $18.54M | 4.4% | |
| Construction & development | $9.43M | 2.2% | |
| Agricultural | $64.12M | 15.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $387.98M | $341.53M | $2.66M | $41.87M |
| Jun 2023 | $409.08M | $333.12M | $3.39M | $44.22M |
| Jun 2024 | $455.40M | $386.26M | $3.02M | $47.59M |
| Jun 2025 | $517.08M | $444.55M | $3.72M | $53.04M |
| Jun 2026 | $559.84M | $482.98M | $4.67M | $57.14M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $401.77M | 9 |
| Minnesota | $81.21M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $482.98M.
Similar-sized banks
West Point Bank ($560.61M) · First Pryority Bank ($558.09M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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