Kodabank
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Data as of · sourced from FFIEC call reports. How we update
Kodabank is an FDIC-insured commercial bank headquartered in Drayton, ND, established in 1916 (FDIC certificate 8386), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $559.8M, up 8.3% from Q2 2025, the 20th largest of 60 banks headquartered in North Dakota. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.28% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8386
- Headquarters
- Drayton, ND
- Established
- 1916
- Total assets, Q2 2026
- $559.8M
- Assets vs Q2 2025
- +8.3%
- Tier 1 leverage ratio, Q2 2026
- 10.28%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 091309736
- Holding company
- KODA BANCOR, INC.
- Asset rank in state
- 20th of 60 in North Dakota
Little in Kodabank's latest call report stands out. It reported $560 million in assets at June 30, 2026, up 8.3% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Net income for the quarter rose 20% from a year earlier, to $2.6 million. Its $63 million commercial and industrial book is improving, with 0.56% past due or on nonaccrual, down from 1.78% a year earlier. Funding is the softer spot: it pays an average of 2.32% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Kodabank reported a return on assets of 1.83%, a nonperforming-loan ratio of 0.30% and a Texas ratio of 2.11%. The figures come from its call report filed with the FFIEC.
Of the 60 banks headquartered in North Dakota, Kodabank is the 20th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.3% to $559.8M, loans fell 0.1% and deposits fell 2.0%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 19.6% of total loans, followed by 1-4 family residential loans at 15.3%. The FDIC Summary of Deposits lists 12 offices for it, in 12 cities across 2 states; its Drayton office books 28% of its branch deposits. On its Q2 2026 call report, Kodabank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 104 S Main St, Drayton, ND 58225
- County
- Pembina
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 1, 1916
- Former names
- Drayton State Bank (2006-2010)
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 71
- Domestic deposits
- $483.0M
- Allowance for credit losses
- $5.0M
- Net charge-offs (YTD)
- -$6K
- Average total assets
- $562.9M
- Average total loans
- $428.5M
- Average interest-bearing deposits
- $402.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8386
- Fed RSSD
- 803957
- Website
- www.kodabank.com →
- Parent Holding Company
- KODA BANCOR, INC. (RSSD 1126671)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Kodabank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Kodabank's total assets moved between a low of $424.7M (Q3 2023) and a high of $567.3M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$559.8M total assets against $517.1M; $502.7M total liabilities against $464.0M.
$426.1M net loans and leases against $405.8M; $483.0M total deposits against $444.5M.
$47.8M securities against $46.6M; $56.2M cash and balances due against $35.1M.
$8.0M total interest income against $7.6M; $2.9M total interest expense against $2.9M.
$5.1M net interest income against $4.6M.
$191K total noninterest income against $182K; $2.8M total noninterest expense against $2.6M.
$60K provision for credit losses against $60K.
$2.6M net income against $2.1M.
1.83% return on assets against 1.60%; 3.86% net interest margin against 3.71%.
10.28% tier 1 leverage ratio against 10.17%.
Inside the full Kodabank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeKodabank rankings
Its closest position to the top of a national ranking is 711 of 3,611, for ROA; its furthest is 2,216 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.23% (Q1 2025) to 1.83% (Q2 2026) and its net interest margin ran from 3.26% (Q1 2025) to 3.94% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.28% | 1.83% | 0.30% | 2.11% | 3.86% |
| Q1 2026 | 10.18% | 1.53% | 0.20% | 1.45% | 3.72% |
| Q4 2025 | 10.18% | 1.34% | 0.13% | 0.98% | 3.94% |
| Q3 2025 | 10.76% | 1.62% | 0.22% | 1.54% | 3.85% |
| Q2 2025 | 10.17% | 1.60% | 0.56% | 4.03% | 3.71% |
| Q1 2025 | 10.28% | 1.23% | 0.55% | 3.84% | 3.26% |
| Q4 2024 | 10.49% | 1.42% | 0.66% | 4.91% | 3.54% |
| Q3 2024 | 11.27% | 1.55% | 0.60% | 4.16% | 3.68% |
Swipe the table sideways to see every column.
Branch Network
View all 12 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Kodabank (main office) | Drayton , ND | 58225 | $133.0M |
| Kodabank - Fargo Branch Office | Fargo , ND | 58104 | $64.0M |
| Cavalier Office | Cavalier , ND | 58220 | $55.9M |
| Kodabank - Grand Forks Branch Office | Grand Forks , ND | 58201 | $39.4M |
| Bank of Minto Branch | Minto , ND | 58261 | $37.1M |
| Stephen Branch | Stephen , MN | 56757 | $35.0M |
| Bemidji Branch | Bemidji , MN | 56601 | $30.1M |
| Pembina Branch | Pembina , ND | 58271 | $25.1M |
| Neche Branch | Neche , ND | 58265 | $16.8M |
| Kennedy Facility | Kennedy , MN | 56733 | $16.1M |
| Walhalla Branch | Walhalla , ND | 58282 | $16.0M |
| Hamilton Branch | Hamilton , ND | 58238 | $14.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 20, 2021 | Structure Change | Acquired Bank of Hamilton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 19, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 14, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 14, 2020 | Structure Change | Acquired Citizens State Bank - Midwest Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 28, 2010 | Structure Change | Acquired Bank of Minto Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.9% of deposits in ND, rank 23 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 100 applications, 99 loans originated, $35.0M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $241K approved, $241K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Kodabank
What are Kodabank's total assets?
As of the Q2 2026 filing, Kodabank reported total assets of $559.8 million in its FFIEC call report.
Where is Kodabank headquartered?
It is headquartered in Drayton, ND, United States.
When was Kodabank founded?
It was established in 1916, per the FDIC institution directory.
Is Kodabank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8386). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Kodabank?
Kodabank's primary federal regulator is the FDIC.
How many branches does Kodabank operate?
It operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Kodabank's Texas Ratio?
Its Texas Ratio is 2.11% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Kodabank previously called?
The charter now named Kodabank has also operated as Drayton State Bank (2006-2010), per FDIC structure-change records.
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