KodaBank
Drayton, ND
IDRSSD: 803957
Total Assets
$510.10M
Latest filing
Total Deposits
$436.15M
Latest filing
Net Interest Margin
3.83%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
KodaBank
104 S Main St
Drayton, ND 58225
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/01/1916FDIC Certificate 5342
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| KodaBank (Main) | 104 S Main St | Drayton, ND |
| BANK OF MINTO BRANCH | 521 2nd St | Minto, ND |
| KENNEDY FACILITY | 101 E 5th St | Kennedy, MN |
| PEMBINA BRANCH | 133 W Stutsman St | Pembina, ND |
| NECHE BRANCH | 529 E 5th St | Neche, ND |
| WALHALLA BRANCH | 1112 Central Ave | Walhalla, ND |
| BEMIDJI BRANCH | 1060 Paul Bunyan Dr Nw | Bemidji, MN |
| STEPHEN BRANCH | 398 Pacific Ave | Stephen, MN |
Showing 7 of 11
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/01/1916 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 58225 |
| State and County Number | 38067 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 70 |
| Domestic Offices | 12 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.kodabank.com |
| Data Updated | 11/14/2025 |
| CERT | 8386 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $510.10M |
| Total Deposits | $436.15M |
| Total Liabilities | $455.91M |
| Total Equity Capital | $54.18M |
| Net Income | $2.07M |
| Net Loans and Leases | $408.22M |
| Assets Per Employee ($Millions) | $6.99M |
| Bank Premises and Fixed Assets | $15.92M |
| Cash and Balances due from Depository Institutions | $24.39M |
| Deposits Held in Domestic Offices | $436.15M |
Key Performance Ratios
| Return on Assets (ROA) | 1.61% |
| Return on Equity (ROE) | 15.47% |
| Net Interest Margin | 3.83% |
| Efficiency Ratio | 54.79% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.622% |
| Earning Assets to total Assets | 93.31% |
Income and Expense
| Total Interest Income | $7.42M |
| Total Noninterest Income | $215.00k |
| Total Interest Expense | $2.82M |
| Total Noninterest Expense | $2.65M |
| Net Interest Income | $4.60M |
| Pre-tax Net Operating Income | $2.11M |
| Provision for Credit Losses | $60.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $15.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $405.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.76M |
| Total Liabilities and Capital | $510.10M |
Securities
| Securities | $45.95M |
| Available-for-sale debt securities | $45.69M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of KodaBank?
$510.10M as of the latest filing.
How much are KodaBank's total deposits?
$436.15M in total deposits.
Where is KodaBank located?
Drayton, ND.
What is the Net Interest Margin?
3.83%.
How many domestic offices does it operate?
12.
When was it established?
04/01/1916.
What is the Return on Assets (ROA)?
1.61%.
How much are total loans and leases?
$408.22M (latest filing).
What is the total interest income (latest filing)?
$7.42M.