Headquartered in Drayton, North Dakota, KodaBank is a state-chartered bank with $559.8M in total assets and $483.0M in deposits as of Q2 2026. It operates 12 offices across 2 states. Its charter dates back to 1916.
KodaBank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 60 banks headquartered in North Dakota, it ranks 17th. Problem-loan coverage contributes the most (96/100, 2.1%); capital cushion contributes the least (53/100, 10.28%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (70 → 75), mostly because the loan quality component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 73 |
| Q4 2024 | 70 |
| Q1 2025 | 70 |
| Q2 2025 | 70 |
| Q3 2025 | 76 |
| Q4 2025 | 74 |
| Q1 2026 | 74 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.02% |
| Q3 2024 | 11.27% |
| Q4 2024 | 10.49% |
| Q1 2025 | 10.28% |
| Q2 2025 | 10.17% |
| Q3 2025 | 10.76% |
| Q4 2025 | 10.18% |
| Q1 2026 | 10.18% |
| Q2 2026 | 10.28% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.01% |
| Q3 2024 | 0.60% |
| Q4 2024 | 0.66% |
| Q1 2025 | 0.55% |
| Q2 2025 | 0.56% |
| Q3 2025 | 0.22% |
| Q4 2025 | 0.13% |
| Q1 2026 | 0.20% |
| Q2 2026 | 0.30% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.32% |
| Q3 2024 | 1.39% |
| Q4 2024 | 1.39% |
| Q1 2025 | 1.22% |
| Q2 2025 | 1.44% |
| Q3 2025 | 1.50% |
| Q4 2025 | 1.46% |
| Q1 2026 | 1.53% |
| Q2 2026 | 1.69% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $559.8M | 10.28% | 0.30% | 1.69% | 88.2% |
| Q1 2026 | 74 | $567.3M | 10.18% | 0.20% | 1.53% | 86.5% |
| Q4 2025 | 74 | $533.7M | 10.18% | 0.13% | 1.46% | 92.3% |
| Q3 2025 | 76 | $510.1M | 10.76% | 0.22% | 1.50% | 93.6% |
| Q2 2025 | 70 | $517.1M | 10.17% | 0.56% | 1.44% | 91.3% |
| Q1 2025 | 70 | $524.7M | 10.28% | 0.55% | 1.22% | 82.7% |
| Q4 2024 | 70 | $508.1M | 10.49% | 0.66% | 1.39% | 85.6% |
| Q3 2024 | 73 | $470.1M | 11.27% | 0.60% | 1.39% | 90.8% |
| Q2 2024 | 77 | $455.4M | 11.02% | 0.01% | 1.32% | 92.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in North Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State Bank & TrustBank Williston, ND | 94 out of 100, Very strong | $542.6M | 15.4% | 0.00% | vs |
| Unison BankBank Jamestown, ND | 67 out of 100, Moderate | $596.9M | 10.0% | 0.44% | vs |
| American State Bank & Trust Company of WillistonBank Williston, ND | 68 out of 100, Moderate | $643.5M | 12.1% | 2.07% | vs |
| BankNorthBank Arthur, ND | 72 out of 100, Strong | $694.1M | 10.3% | 0.58% | vs |
| First State BankBank Buxton, ND | 75 out of 100, Strong | $424.2M | 9.8% | 0.00% | vs |
| Dakota Heritage BankBank Hunter, ND | 63 out of 100, Moderate | $416.8M | 9.8% | 1.62% | vs |
Deposit insurance
Is my money safe at KodaBank?
Yes. KodaBank is an FDIC-insured institution (FDIC certificate #8386). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.6% of deposits ($114.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.28%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
12 locations
Branches
KodaBank lists 12 offices in 12 cities across 2 states. Most locations:
- Bemidji, MN (1)
- Cavalier, ND (1)
- Drayton, ND (1)
- Fargo, ND (1)
- Grand Forks, ND (1)
- Hamilton, ND (1)
- Kennedy, MN (1)
- Minto, ND (1)
- Neche, ND (1)
- Pembina, ND (1)
- Stephen, MN (1)
- Walhalla, ND (1)
HMDA 2025
Mortgage lending
In 2025, KodaBank reported 100 home-loan applications under HMDA (LEI 2549004EEJO192FMAC61): 99 originated ($34,965,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- KodaBank
- Former names
- Drayton State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 8386
- RSSD ID
- 803957
- Primary regulator
- FDIC
- Holding company
- Koda Bancor Inc
- Established
- April 1, 1916
- Headquarters
- 104 S Main St, Drayton, ND 58225
- Website
- www.kodabank.com
- Employees
- 71
Quick answers
KodaBank: common questions
Is KodaBank FDIC insured?
Yes. KodaBank is an FDIC-insured institution (FDIC certificate #8386). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is KodaBank's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has KodaBank ever failed?
There is no failure record for FDIC certificate #8386 in the FDIC failed bank list.
How many branches does KodaBank have?
12 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Drayton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First United BankBank Park River, ND | 78 out of 100, Strong | $810.8M | 10.1% | 0.01% | vs |
| Choice Financial GroupBank Fargo, ND | 73 out of 100, Strong | $6.4B | 10.8% | 0.68% | vs |
| United Valley BankBank Cavalier, ND | 72 out of 100, Strong | $751.6M | 10.5% | 0.13% | vs |
| American Federal BankBank Fargo, ND | 66 out of 100, Moderate | $795.8M | 9.3% | 0.00% | vs |
| North Star Community Credit UnionCredit union Maddock, ND | 61 out of 100, Moderate | $464.8M | 14.3% | 2.87% | vs |
| Old National BankBank Evansville, IN | 59 out of 100, Moderate | $73.9B | 8.8% | 0.92% | vs |