BlastPoint's Banking Scorecard
KodaBank
Community
Specialty: Agricultural
ND
FDIC cert 8386
Drayton, ND
1484
banks in Community tier nationally
17 in ND
View Community leaderboard (ND) →
KodaBank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 49% in Community
- - Non-Interest Income / Assets 0.59% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$533.7M
+5.0% YoY
+4.6% QoQ
|
-$857.8M |
$1.4B
+2.0% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$425.6M
+13.1% YoY
+4.2% QoQ
|
-$549.9M |
$975.5M
+2.4% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$460.9M
+4.9% YoY
+5.7% QoQ
|
-$703.7M |
$1.2B
+1.7% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
1.46%
+5.0% YoY
-2.8% QoQ
|
+0.29% |
1.16%
+17.2% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
3.71%
+5.6% YoY
+1.7% QoQ
|
+0.05% |
3.66%
+9.1% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
54% |
| Efficiency Ratio ? |
56.57%
-2.6% YoY
+0.7% QoQ
|
-6.06% |
62.63%
-5.3% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
69% |
| Delinquency Rate ? |
0.13%
-80.2% YoY
-39.4% QoQ
|
-0.50% |
0.63%
+18.3% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
92.33%
+7.8% YoY
-1.4% QoQ
|
+9.27% |
83.06%
+0.3% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
19.44%
-9.0% YoY
+11.6% QoQ
|
-1.61% |
21.05%
-0.9% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.11%
-79.1% YoY
-39.6% QoQ
|
-0.39% |
0.50%
+20.3% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.15%
-14.1% YoY
+29.7% QoQ
|
-0.59% |
0.74%
-1.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Capital Thin
risk
#212 of 432 · Bottom 49% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Non-Interest Income / Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.15%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
78
78th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.63%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
71
71th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%
69
69th pctile
Efficiency Ratio
Current: 56.57% · Tier avg: 62.63%
54
54th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 19.44% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Loan-to-Deposit Ratio
Current: 92.33% · Tier avg: 83.06%
19
19th pctile
Total Loans
Current: $425.6M · Tier avg: $975.5M
7
7th pctile
Total Deposits
Current: $460.9M · Tier avg: $1.2B
7
7th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
5
5th pctile
Total Assets
Current: $533.7M · Tier avg: $1.4B
Top Weaknesses
5
5th pctile
Total Assets
Current: $533.7M · Tier avg: $1.4B
7
7th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
7
7th pctile
Total Deposits
Current: $460.9M · Tier avg: $1.2B
19
19th pctile
Total Loans
Current: $425.6M · Tier avg: $975.5M
29
29th pctile
Loan-to-Deposit Ratio
Current: 92.33% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 19.44% · Tier avg: 21.05%
54
54th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
69
69th pctile
Efficiency Ratio
Current: 56.57% · Tier avg: 62.63%
71
71th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
78
78th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.63%