Kodabank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Kodabank of Drayton, ND against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.83% | 1.25% | +0.58% | 79th top |
| ROAE | 18.32% | 13.17% | +5.15% | 81st top |
| Net Interest Margin | 3.86% | 3.95% | -0.09% | 45th below |
| Efficiency Ratio | 51.50% | 61.50% | -10.00% | 77th top |
| PPNR / Avg Assets | 1.82% | — | — | 63rd above |
| Yield on Earning Assets | 6.03% | 5.67% | +0.36% | 69th above |
| Cost of Funds | 2.32% | 1.87% | +0.45% | 21st bottom |
| Net Interest Spread | 3.24% | — | — | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.33% | 0.93% | -0.60% | 56th above |
| NPA / Total Assets | 0.25% | — | — | 55th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.15% | — | — | 45th below |
| ACL / NPLs (Coverage) | 353.92% | — | — | 64th above |
| Texas Ratio | 2.11% | 6.06% | -3.95% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.28% | 11.75% | -1.47% | 37th below |
| Equity / Assets | 10.21% | 10.98% | -0.77% | 47th below |
| TCE / Tangible Assets | 10.07% | — | — | 49th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.25% | 80.44% | +8.81% | 30th below |
| Core Deposit Ratio | 81.94% | 86.95% | -5.01% | 20th bottom |
| Wholesale Funding Ratio | 2.68% | — | — | 60th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.27% | — | — | 76th top |
| Loan Growth (Y/Y) | 5.09% | — | — | 48th below |
| Deposit Growth (Y/Y) | 8.65% | — | — | 78th top |
See Kodabank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Kodabank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Kodabank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Kodabank peer analysis.