Side-by-side · Q2 2026 data
KodaBank vs United Valley Bank
Metric by metric
| Measure | KodaBank | United Valley Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 72 |
| Capital cushion | 53 | 55 (stronger) |
| Loan quality | 90 | 96 (stronger) |
| Earnings | 87 (stronger) | 64 |
| Funding & liquidity | 63 (stronger) | 62 |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 61st | 50th |
| Total assets | $559.8M | $751.6M |
| Deposits / shares | $483.0M | $628.5M |
| Capital ratio | 10.28% | 10.50% (stronger) |
| Problem loans | 0.30% | 0.13% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.69% (stronger) | 1.10% |
| Loans ÷ deposits | 88.2% | 86.5% (stronger) |
| Uninsured deposits | 23.6% (stronger) | 25.2% |
| Offices | 12 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
KodaBank has the higher TellerScore (75 vs 72). On the 7 directional measures above (where higher or lower is clearly better), KodaBank leads on 4 and United Valley Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Cavalier, ND
- Fargo, ND
- Grand Forks, ND