Side-by-side · Q2 2026 data
KodaBank vs American State Bank & Trust Company of Williston
Bank
American State Bank & Trust Company of Williston
Williston, North Dakota · $100 million – $1 billion
Metric by metric
| Measure | KodaBank | American State Bank & Trust Company of Williston |
|---|---|---|
| TellerScore | 75 (stronger) | 68 |
| Capital cushion | 53 | 71 (stronger) |
| Loan quality | 90 (stronger) | 31 |
| Earnings | 87 | 100 (stronger) |
| Funding & liquidity | 63 | 76 (stronger) |
| Problem-loan coverage | 96 (stronger) | 79 |
| Peer percentile | 61st | 37th |
| Total assets | $559.8M | $643.5M |
| Deposits / shares | $483.0M | $569.1M |
| Capital ratio | 10.28% | 12.06% (stronger) |
| Problem loans | 0.30% (stronger) | 2.07% |
| Net charge-offs | -0.00% (stronger) | 0.04% |
| Return on assets | 1.69% | 2.63% (stronger) |
| Loans ÷ deposits | 88.2% | 52.0% (stronger) |
| Uninsured deposits | 23.6% (stronger) | 37.1% |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
KodaBank has the higher TellerScore (75 vs 68). On the 7 directional measures above (where higher or lower is clearly better), KodaBank leads on 4 and American State Bank & Trust Company of Williston on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.