BlastPoint's Banking Scorecard
KodaBank
Drayton, ND
12 branches across ND · MN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 34 in ND.
- Deposits +8.6% year over year ($483.0M on the books).
- Delinquency rate 0.30%.
- Return on assets 1.69%.
- Efficiency ratio 53.57% vs a 64.48% peer average.
- Loan-to-deposit ratio 88.22% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
KodaBank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.36% above tier average
- + Efficiency Ratio 10.91% below tier average
- + Delinquency Rate 0.61% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.50% below tier average
- - Net Interest Margin 0.17% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$559.8M
+8.3% YoY
-1.3% QoQ
|
+$173.3M |
$386.6M
+1.2% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
77% |
| Total Loans ? |
$426.1M
+5.0% YoY
-0.1% QoQ
|
+$167.7M |
$258.3M
+1.7% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
82% |
| Total Deposits ? |
$483.0M
+8.6% YoY
-2.0% QoQ
|
+$156.2M |
$326.7M
+0.7% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
78% |
| Return on Assets ? |
1.69%
+17.3% YoY
+10.6% QoQ
|
+0.36% |
1.32%
+10.8% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
75% |
| Net Interest Margin ? |
3.82%
+7.8% YoY
+2.8% QoQ
|
-0.17% |
3.99%
+5.0% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
44% |
| Efficiency Ratio ? |
53.57%
-5.9% YoY
-3.5% QoQ
|
-10.91% |
64.48%
-3.2% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
75% |
| Delinquency Rate ? |
0.30%
-46.0% YoY
+51.0% QoQ
|
-0.61% |
0.92%
+15.7% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
88.22%
-3.3% YoY
+1.9% QoQ
|
+10.27% |
77.95%
+1.0% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
17.98%
+0.5% YoY
+5.6% QoQ
|
-4.05% |
22.03%
-0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.23%
-47.6% YoY
+52.9% QoQ
|
-0.44% |
0.67%
+16.4% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
10.28%
+1.1% YoY
+1.0% QoQ
|
-5.63% |
15.91%
+1.4% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
Bottom 14.1% in tier |
| Non-Interest Income / Assets ? |
0.07%
-11.4% YoY
+106.0% QoQ
|
-0.50% |
0.57%
+7.6% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
Bottom 9.2% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
18.0%
+0.1pp YoY +1.0pp QoQ |
-4.2pp | 22.1% | 21.6% | 22.2% | 36% |
| Brokered Deposits |
4.1%
-1.4pp YoY +0.1pp QoQ |
-3.7pp | 7.9% | 6.0% | 8.5% | 46% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.8%
-3.7pp YoY -2.8pp QoQ |
+3.3pp | 11.6% | 12.9% | 12.5% | 75% |
| CRE |
30.2%
+3.3pp YoY +0.9pp QoQ |
-9.3pp | 39.5% | 29.0% | 41.4% | 35% |
| 1-4 Family |
15.5%
+3.0pp YoY +1.2pp QoQ |
-17.1pp | 32.6% | 12.3% | 31.3% | 20% |
| Consumer |
4.4%
-0.8pp YoY -0.1pp QoQ |
+0.2pp | 4.1% | 4.5% | 5.0% | 73% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.3% | 19.7% | n/a |
| Leverage Ratio |
10.3%
+0.1pp YoY +0.1pp QoQ |
-1.9pp | 12.2% | 10.7% | 12.6% | 37% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
71
+1 (+1.4%) YoY -1 (-1.4%) QoQ |
+12 | 58 | 138 | 482 | 72% |
| Assets per Employee ($) |
$7.9M
+6.7% YoY +0.1% QoQ |
+$367K | $7.5M | $8.3M | $8.8M | 66% |
| Branch Count |
12
0 YoY 0 QoQ |
+7 | 4 | 7 | 18 | 95% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.2pp YoY +0.1pp QoQ |
-0.2pp | 0.3% | 0.5% | 0.4% | 58% |
| Nonaccrual |
0.2%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 0.7% | 1.0% | 25% |
| Allowance Coverage |
3.84x
+98.4% YoY -32.9% QoQ |
-20.32x | 24.15x | 73.79x | 20.23x | 64% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 22% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.9%
+2.3pp YoY +1.4pp QoQ |
+4.7pp | 12.2% | 16.0% | 11.6% | 77% |
| Cost of Funds (YTD) |
2.2%
-0.2pp YoY 0.0pp QoQ |
+0.5pp | 1.7% | 1.7% | 1.7% | 80% |
| Net Income ($, YTD) |
$4.7M
+25.7% YoY — QoQ |
+$2.1M | $2.6M | $7.0M | $40.4M | 85% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.