BlastPoint's Banking Scorecard
KodaBank
Drayton, ND
12 branches across ND · MN
KodaBank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.26% above tier average
- + Efficiency Ratio 9.78% below tier average
- + Delinquency Rate 0.69% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 72.7% in tier
- - Non-Interest Income / Assets 0.25% below tier average
- - Net Interest Margin 0.21% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$567.3M
+8.1% YoY
+6.3% QoQ
|
+$181.2M |
$386.1M
+0.5% YoY
|
$1.1B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
78% |
| Total Loans ? |
$426.4M
+13.4% YoY
+0.2% QoQ
|
+$170.7M |
$255.7M
+1.1% YoY
|
$779.7M
+5.6% YoY
|
$3.2B
+10.8% YoY
|
82% |
| Total Deposits ? |
$492.7M
+8.4% YoY
+6.9% QoQ
|
+$164.8M |
$328.0M
+0.1% YoY
|
$930.6M
+2.8% YoY
|
$4.8B
+8.2% YoY
|
79% |
| Return on Assets ? |
1.53%
+25.0% YoY
+4.7% QoQ
|
+0.26% |
1.27%
+12.9% YoY
|
1.38%
+15.2% YoY
|
1.23%
+13.4% YoY
|
69% |
| Net Interest Margin ? |
3.72%
+13.5% YoY
+0.2% QoQ
|
-0.21% |
3.93%
+6.0% YoY
|
3.69%
+5.3% YoY
|
3.89%
+5.7% YoY
|
42% |
| Efficiency Ratio ? |
55.50%
-7.7% YoY
-1.9% QoQ
|
-9.78% |
65.29%
-4.5% YoY
|
60.25%
-5.8% YoY
|
66.95%
-4.1% YoY
|
72% |
| Delinquency Rate ? |
0.20%
-63.8% YoY
+52.2% QoQ
|
-0.69% |
0.89%
+18.8% YoY
|
0.92%
+20.6% YoY
|
0.95%
+18.8% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
86.53%
+4.6% YoY
-6.3% QoQ
|
+9.90% |
76.64%
+0.8% YoY
|
69.27%
+0.4% YoY
|
76.70%
+0.9% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
17.02%
-13.7% YoY
-12.4% QoQ
|
-5.00% |
22.02%
-1.0% YoY
|
22.07%
+2.0% YoY
|
22.01%
-1.2% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.15%
-62.0% YoY
+43.5% QoQ
|
-0.49% |
0.64%
+19.7% YoY
|
0.56%
+12.7% YoY
|
0.67%
+19.3% YoY
|
64% |
| Tier 1 Capital Ratio ? |
10.18%
-1.0% YoY
-0.1% QoQ
|
-5.65% |
15.83%
+1.5% YoY
|
13.00%
+1.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 11.7% in tier |
| Non-Interest Income / Assets ? |
0.03%
-18.5% YoY
-78.9% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.12%
+7.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 9.4% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.