Kodabank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (Tier 1 capital + allowance) dropped 20.72 percentage points in Q2 2026, from 35.75% to 15.03%. It was the largest change from Q1 2026 among the key lines here. Kodabank ranks 17th of 60 North Dakota banks on loan-to-deposit ratio, in the upper half at 89.25% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Kodabank sits 8.69 points higher, at 89.25% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $431.0M |
| Net loans and leases | $426.1M |
| Loans held for sale | $75K |
| Loans to total assets | 76.99% |
| Loan-to-deposit ratio | 89.25% |
| Net loans to equity capital | 7.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.12% |
| Multifamily (5+ residential) | 11.59% |
| Commercial and industrial | 14.67% |
| Consumer | 4.30% |
| Credit cards | 0.07% |
| Farm | 19.59% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.33% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 147.77% |
| Construction concentration (Tier 1 capital + allowance) | 15.03% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.66% |
| Interest income on loans | $7.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $332.9M | $340.2M | 11.28% | 15.84% | 6.33% |
| Q4 2023 | $340.3M | $398.0M | 10.80% | 15.86% | 6.24% |
| Q1 2024 | $343.3M | $388.6M | 12.35% | 16.33% | 6.09% |
| Q2 2024 | $360.6M | $386.3M | 12.41% | 16.61% | 5.86% |
| Q3 2024 | $368.0M | $400.6M | 12.15% | 16.30% | 5.81% |
| Q4 2024 | $380.6M | $439.5M | 11.96% | 18.17% | 5.39% |
| Q1 2025 | $380.4M | $454.5M | 12.86% | 18.27% | 5.57% |
| Q2 2025 | $410.2M | $444.5M | 11.09% | 18.37% | 5.05% |
| Q3 2025 | $412.7M | $436.1M | 9.97% | 17.55% | 4.80% |
| Q4 2025 | $430.4M | $460.9M | 9.70% | 20.09% | 4.44% |
| Q1 2026 | $431.3M | $492.7M | 13.17% | 17.44% | 4.42% |
| Q2 2026 | $431.0M | $483.0M | 16.12% | 14.67% | 4.30% |
Kodabank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Kodabank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Kodabank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8386) · FFIEC NIC profile (RSSD 803957)