Branch Network
Kodabank Locations & Branches Drayton, North Dakota
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Kodabank operates 12 branches from its headquarters in Drayton, ND, .
Kodabank branch network
Its 12 branches span 2 states and 12 cities. The most are in NORTH DAKOTA (9) and MINNESOTA (3). NORTH DAKOTA holds 83.2% of its branch deposits. Its largest office by deposits is its main office in Drayton, ND, with $133.0M (27.5% of its branch deposits). It had the same number of branches on June 30, 2025.
Kodabank at a glance
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.
- Total assets, Q2 2026
- $559.8M
- Tier 1 leverage ratio, Q2 2026
- 10.28%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Established
- 1916
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Drayton, ND (1 branch) | 1 of 1 | 100.0% | $133.0M |
| State: ND (9 branches) | 23 of 70 | 0.9% | $401.8M |
Ranked by total assets among banks headquartered in the state: Largest banks in North Dakota.
Share by county and metro area
Kodabank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Pembina, ND (6 branches) | 1 of 4 | 50.5% | $261.3M | $517.8M |
| Cass, ND (1 branch) | 19 of 28 | 0.6% | $64.0M | $11.27B |
| Grand Forks, ND (1 branch) | 14 of 15 | 1.4% | $39.4M | $2.87B |
| Walsh, ND (1 branch) | 5 of 6 | 5.7% | $37.1M | $645.5M |
| Marshall, MN (1 branch) | 7 of 8 | 8.4% | $35.0M | $416.2M |
| Beltrami, MN (1 branch) | 8 of 10 | 1.5% | $30.1M | $1.94B |
| Kittson, MN (1 branch) | 4 of 4 | 7.3% | $16.1M | $219.2M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Fargo, ND-MN (1 branch) | 22 of 32 | 0.5% | $64.0M | $12.93B |
| Grand Forks, ND-MN (1 branch) | 16 of 21 | 1.0% | $39.4M | $3.87B |
| Bemidji, MN (1 branch) | 8 of 10 | 1.5% | $30.1M | $1.94B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 8386) · FFIEC NIC profile (RSSD 803957)