# KODABANK
DRAYTON, ND · FDIC certificate 8386 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $559.8M | |
| Deposits | $483.0M | |
| Loans and leases | $431.0M | |
| Total equity | $57.1M | |
| Loans / deposits | 88.22% (p67 of band) | 82.04% |
| Liquid assets / assets | 18.58% (p27 of band) | |
| Uninsured deposits / deposits | 23.62% (p42 of band) | 25.97% |
| Brokered deposits | 3.57% | |
| Wholesale funding | 6.25% (p64 of band) | |
| FHLB advances / assets | 2.68% | |
| Tier 1 leverage | 10.28% (p41 of band) | 10.81% |
| Unrealized securities loss / equity | -3.10% (p72 of band) | -8.10% |
| AOCI / equity | -0.30% (p53 of band) | |
| ROA (annualized) | 1.69% (p74 of band) | 1.28% |
| Net interest margin | 3.82% (p45 of band) | 3.91% |
| Efficiency ratio | 53.57% (p26 of band) | |
| Noncurrent loans | 0.30% (p42 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p17 of band) | |
| Reserve coverage of noncurrent | 383.76% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 16.50% (p21 of band) | |
| Auto loans | $8.6M (2.00% of loans; DQ 0.19%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 8.7% | |
| Employees | 71 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 3 | capital falling, reserve under noncurrent, uninsured deposits leaving |  |
| 2013-03 | 0 |  | capital falling, reserve under noncurrent, uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | deposits shrinking |  |
| 2015-06 | 2 | uninsured deposits leaving |  |
| 2015-09 | 1 |  | deposits shrinking |
| 2015-12 | 1 | capital falling | uninsured deposits leaving |
| 2016-03 | 1 | reserve under noncurrent | capital falling |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 1 | charge-offs p90 | reserve under noncurrent |
| 2018-09 | 0 |  | charge-offs p90 |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 2 | loans exceed deposits, uninsured deposits leaving |  |
| 2019-12 | 1 |  | loans exceed deposits |
| 2020-03 | 0 |  | uninsured deposits leaving |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | reserve under noncurrent |  |
| 2020-12 | 0 |  | reserve under noncurrent |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | uninsured deposits leaving |  |
| 2023-12 | 1 | capital falling | uninsured deposits leaving |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-29 [KodaBank's Growing with Three New Hires in Fargo, ND - Grand Forks Herald](https://news.google.com/rss/articles/CBMixgFBVV95cUxQc1JrUnFLMm1NRXNLakZzX3JNZVFOd3ZQa3k5Vm15SkstZHNpUjFUUkE3X0Z2SmJGN3FSYm8zeTVhT2JWY2JiQmppU1lma2ZiTDZHZGtmQTdhTjRvNXk5aWJ1cUEyM2gtelp1eXhGLV9yYmI3OWU3YzNFbnljS01pbGdoVmFTVEZsN3RZS0lKQWpJcnZPU25lQ0FyRGVQY3FNZUNjbkl0QkU1cGhRcVE0cEtxWjNrdTV2UW5VMXVzRlMtdUkxYUE?oc=5) · Grand Forks Herald
- 2022-08-30 [New KodaBank office going up in south Fargo, opening in summer 2023 - InForum](https://news.google.com/rss/articles/CBMioAFBVV95cUxOci1UOVF0eC1RaG1oNXVKZTRSOGYtd1AxVjcwTDNIaWdBN21DSHJ5Q1d2eGJnRk1OTnptMHdfN1hFQWNEYWw3ZTNCOEMxOUV6dHRweFhCbHdEYzdERjN1SEJJNnJ6bmZXYmdxNXpNOFJmZTN6aV9jcG9FNjBheVF5SFNHTmtWTVlGeGR5Ui01UjZhdE5ZdllEVEh1LWxpNW9f?oc=5) · InForum
- 2017-08-11 [Two North Dakota community banks to merge - American Banker](https://news.google.com/rss/articles/CBMigwFBVV95cUxQcE10ckdCQlpfdlFTTHJZMjdXRzRFb2M1MjRmZl9PQjhJNEFWblpQYTBuUkw3QTllMjZfY2pvd3E0b09NUF9zcjA5Z1pUMzJpSEZsTzBPMjdRY3hJQVZFMXFZUmJnQ3lFazlWcVE3eDBReUVfRkV3R0dqTDFLeHBvam9lNA?oc=5) · American Banker
- 2023-02-10 [KodaBank hits big cities in North Dakota - Grand Forks Herald](https://news.google.com/rss/articles/CBMilAFBVV95cUxQM0RTdEVwXzlQVG5QX2ZlWGZrSlBHRkRnMW45VmdLVGF0QUQwOXRyZlV4am1RZDlmWl9IcTZ1RmRwRUk5OWdsZVdRZFdQNHNtUEJJSF84Vmh6TUdDbjFqYTNid2RxNnhpUlJjY01yTDFmVGo0dnVVaDVCaTBjRUR1Ukk0dlJzcWRoNkRNcE5id3NCMi1E?oc=5) · Grand Forks Herald
- 2024-11-02 [KodaBank Announces Promotions and Adds to Grand Forks Team - Grand Forks Herald](https://news.google.com/rss/articles/CBMi9wFBVV95cUxNcmxXREdHY2ZDTXRGTl9ILVBwQVJtYzF2Ym1qbjR2ODBPekN1bk1oVGRxTkdOWnQ1NDl2clU5SVFrby1VQm1ESmQ3T3FKRkdLdmMwWk5teVJpSklsdHNuaUZwOUlSMklTYUdLR1dMN0FuQkR2UlR4NnJrYm04bVZBVUQxUDdUbTZwdFJOODJ1Mnd1MGxaRDZkNEdjRmNQbXc5TjRHNUdPVHVtNWhlSlUwQ0hoZkhQQURUTG9nTmZmUXkxM3Rzek55dUktVWV2XzVrbmstWlVPSlcwQnFiMHV1cmZyMmNDUDZoV01FMmRRWmNKQ0drRExZ?oc=5) · Grand Forks Herald
- 2022-11-12 [KodaBank names Rusty Papachek as Fargo Director of Business Development - InForum](https://news.google.com/rss/articles/CBMi_AFBVV95cUxQc1A0QjhmVDJXY3V1ZExMdWN1RF9vWE11TFVXckFKVUpncEFmVGxqc2tFN19hZHF0enBDdHM0ZGJZVmo2Ynhkd2FHb29KLXVISk5CMGFvZTRQTzNrMU5OajdrNVJRVFQ3bmhVYkw5VXVIbUhYUFVRZDhwbHMwVUstRlM1Z0E1czZsek5ZTkRuZHV3MTZBcGpfTkVTWlFRMTRfdkhOSFViZUNVVFJBeW42Sm1aN1dwTDRCX1Q5M2NxdGEyWjZfc1AwZzBOdGp6VHluZ1dDdE1yS0E2SlhndVdwRFVOQjU4eGpManpzSDRuazIwNU03NUw4aUhrNU8?oc=5) · InForum
- 2024-03-16 [KodaBank announces new hires - Grand Forks Herald](https://news.google.com/rss/articles/CBMizwFBVV95cUxPYkdtNk5uZEdnWC1iWXJveTdiQ2lkME9fRG83bGJKWERlTEh1RXQzWmtSWjhxc2c1by1SWWlqRFlnLTU0am1GQVlmVlVtdnRMOGtjekhHdXdMSzRDQ2V4bkZXazBuOEs5YUtVcFIyYzFwOVBsWklkbmJMN0F3TFFhZkI4cWZRcG5EMFpWV0xFNFZrV3l5akhBTnNxb2V5QV9LU3E1cy1PVkJPMjZCU3pzV3hfV29KNVR4TWo1Z0hObk5sNDYyQXNXN0NBeFQ2dDQ?oc=5) · Grand Forks Herald
- 2021-01-12 [KodaBank branches into Grand Forks - Grand Forks Herald](https://news.google.com/rss/articles/CBMidkFVX3lxTE11NzhXWFphMnRwcFlWQmwtRkpKUzh6WHJINzI4dVNPenRmaXlCSXFoeWhEVllxcVBPcVNXbW9VdkVpZzdOa2JKRVZEb3BNNF9vVkpzeDM5N2pVQjVoOUo1ZlcwaDE4WXNhRUF5UUlPNWg4OXNsREE?oc=5) · Grand Forks Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8386 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/2.json (key "8386", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide