KodaBank
Total assets
$559.8M
▲ +8.3% YoY
Deposits
$483.0M
▲ +8.6% YoY
Loans
$426.1M
▲ +5.0% YoY
Offices
12
KODA BANCOR INC
ROA (annualized)
1.69%
peers 1.28%
ROE (annualized)
16.94%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | KodaBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +4.9% | +3.4 pts |
| Deposit growth (YoY) | +8.7% | +4.3% | +4.3 pts |
| Loan growth (YoY) | +5.0% | +5.3% | -0.3 pts |
| ROA | 1.69% | 1.28% | +0.4 pts |
| ROE | 16.9% | 12.4% | +4.5 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
Profile
- Established
- 1916
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- KODA BANCOR INC
- Specialization
- Agricultural Specialization
- Address
- 104 S Main St, Drayton, ND, 58225
- County
- Pembina
- Offices
- 12
- FDIC cert #
- 8386
- RSSD ID
- 803957
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $559.8M | $483.0M | $426.1M | $57.1M | $4.7M | 1.69% | 3.82% | 0.23% |
| Q1 2026 | $567.3M | $492.7M | $426.4M | $55.1M | $2.1M | 1.53% | 3.72% | 0.15% |
| Q4 2025 | $533.7M | $460.9M | $425.6M | $53.2M | $7.6M | 1.46% | 3.71% | 0.11% |
| Q3 2025 | $510.1M | $436.1M | $408.2M | $54.2M | $5.8M | 1.50% | 3.65% | 0.17% |
| Q2 2025 | $517.1M | $444.5M | $405.8M | $53.0M | $3.7M | 1.44% | 3.55% | 0.44% |
| Q1 2025 | $524.7M | $454.5M | $376.0M | $50.9M | $1.6M | 1.22% | 3.27% | 0.40% |
| Q4 2024 | $508.1M | $439.5M | $376.3M | $48.8M | $6.5M | 1.39% | 3.51% | 0.50% |
| Q3 2024 | $470.1M | $400.6M | $363.7M | $50.1M | $4.8M | 1.39% | 3.54% | 0.47% |
Loan mix (Q2 2026): real estate $279.3M · commercial $63.2M · consumer $18.5M · securities $47.8M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | KodaBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 1.28% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 16.9% | 12.4% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.89% | 46th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.6% | 61.2% | 27th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | KodaBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | KodaBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | KodaBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | KodaBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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