Kodabank (FDIC #8386): Bank Stress & Real-Estate Credit Exposure

Kodabank (FDIC Cert #8386): bank stress 56/100, moderate, STABLE over 7 days; parent KODA BANCOR INC.

Kodabank (#8386) lends in 7 counties across 2 states; Kodabank (#8386) reaches 113 ZIP codes: North Dakota 4 counties, 75 ZIPs; Minnesota 3 counties, 40 ZIPs.

Kodabank (#8386) largest markets: Cass County, ND (30 branches, 30 ZIPs) (#8386), Grand Forks County, ND (22 branches, 22 ZIPs) (#8386), Beltrami County, MN (18 branches, 18 ZIPs) (#8386), Walsh County, ND (16 branches, 16 ZIPs) (#8386), Marshall County, MN (15 branches, 15 ZIPs) (#8386), Pembina County, ND (84 branches, 14 ZIPs) (#8386).

Kodabank (#8386) reports $559.8 million in total assets; Kodabank (#8386) equity $57.1 million (10.2% of Kodabank (#8386) assets); Kodabank (#8386) domestic deposits $483.0 million; Kodabank (#8386) net income $4.7 million; Kodabank (#8386) return on assets 1.69%; Kodabank (#8386) return on equity 16.94%; Kodabank (#8386) net interest income $9.9 million; Kodabank (#8386) call report June 30, 2026.

Kodabank (#8386) noncurrent real-estate loans: none reported; Kodabank (#8386) net charge-offs on real estate 0.16%; Kodabank (#8386) residential charge-offs 0.66%.

Kodabank (#8386) net interest margin 3.82% against an eight-quarter Kodabank (#8386) average of 3.60% (Kodabank (#8386) compression -0.23 points); Kodabank (#8386) non-residential real estate 66.1% of equity; Kodabank (#8386) rate-exposure score 40/100, Kodabank (#8386) fixed-rate trap 40/100; Kodabank (#8386) risk type credit driven; Kodabank (#8386) rate regime rates elevated, Kodabank (#8386) snapshot October 19, 2026.

Kodabank (#8386) stress score moved from 59.7 on June 22, 2026 to 56.1 on October 19, 2026; Kodabank (#8386) ranged 56.1 to 59.7 over 116 snapshots.

Kodabank (#8386) alerts: 7 counties; top Kodabank (#8386) alert scores: Grand Forks County, ND 44 (moderate); Bemidji County, ND 21 (low); Fargo County, ND 21 (low); Kennedy County, ND 21 (low); Minto County, ND 21 (low).