KodaBank

BankDrayton, North Dakota
www.kodabank.com

Total Assets

$533.7M

Total Deposits

$460.9M

Branches

12

Established

1916

TFS Health Grade

$
C-

71.3 / 100

Average financial health

How we grade

KodaBank is a bank headquartered in Drayton, North Dakota, established in 1916. With $533.7M in total assets and 12 branch locations, it has a TFS Financial Health Grade of C- (71.3/100).

Capital & Safety

Tier 1 Capital Ratio
10.18%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.13%

Profitability

Return on Assets (ROA)
1.46%(1%)
Return on Equity (ROE)
14.53%(10%)
Net Interest Margin
3.71%
Efficiency Ratio
56.57%(60%)

Lending & Liquidity

Total Loans
$430.4M
Loan-to-Deposit Ratio
92.33%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+5.05%
Deposit Growth (YoY)
+4.87%
Net Income
$7.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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