KODABANK

DRAYTON, ND | Medium | Est. April 1, 1916, midnight | FDIC #8386 | RSSD #803957 | FDIC
Latest Report: 2025-12-31

KODABANK is amn medium FDIC-insured commercial bank headquartered in DRAYTON, ND, established in April 1, 1916, midnight. As of 2025-12-31, the bank reported total assets of $534M and total deposits of $461M. Profitability stands at 1.36% ROA and 13.19% ROE, with a net interest margin of 4.02%. The bank's CET1 capital ratio is 9.69%. Asset quality metrics show a non-performing loan ratio of 0.13% and a Texas Ratio of 0.95%. FDIC Certificate #8386.

Assets

$534M

Deposits

$461M

Loans

$430M

Equity

$53M

Profitability

Return on Assets (ROA) 1.36%
Return on Equity (ROE) 13.19%
Net Interest Margin (NIM) 4.02%
Yield on Assets 6.37%
Cost of Funds 2.43%

Asset Quality

NPL Ratio 0.13%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.95%
NPA Ratio 0.10%
ACL / Loans 1.12%

Capital & Liquidity

CET1 Ratio 9.69%
Tier 1 Capital 9.69%
Total Capital Ratio 10.17%
Leverage Ratio 10.18%
Loan-to-Deposit 93.38%

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