Overview / Commentary
104 South Main Street
Drayton, ND 58225

KodaBank is headquartered in Drayton and is the 33rd largest bank in the state of North Dakota. It is also the 3,385th largest bank in the nation. It was established in 1916 and as of June of 2019, it had grown to 25 employees at 4 locations. KodaBank's money market rates are 3X the national average, and it has an A health rating.


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Health Grade Components

FDIC Certificate #8386
Year Established1916
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD2.59%
Return on Equity - YTD20.52%
Annual Interest Income$3.5MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$148.0MM$146.4MM
LoansQ2 2019vs Q2 2018$119.0MM$114.8MM
DepositsQ2 2019vs Q2 2018$123.7MM$127.7MM
Equity CapitalQ2 2019vs Q2 2018$19.7MM$18.2MM
Loan Loss AllowanceQ2 2019vs Q2 2018$1.7MM$1.6MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$679.00K$1.2MM
Real Estate OwnedQ2 2019vs Q2 2018$0$362.00K
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Always verify rates and promotions with the bank or credit union. We are not KodaBank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

KodaBank Savings Account Rates

0.10%$200-Passbook Savings
0.10%$25-Youth Passbook Savings

KodaBank Money Market Rates

1.51%*$1m*-Money Market Checking
OTHER TIERS: 0.25% $2.5k - $25k | 0.30% $25k - $100k | 0.50% $100k - $250k | 0.60% $250k - $500k | 1.26% $500k - $1m

KodaBank Checking Account Rates

0.10%$750-KodaNOW Checking

KodaBank CD Rates

2.20%*$100k*-60 Month CD
OTHER TIERS: 2.00% $1k - $25k | 2.10% $25k - $100k
2.00%*$100k*-36 Month CD
OTHER TIERS: 1.80% $1k - $25k | 1.90% $25k - $100k
2.00%*$100k*-48 Month CD
OTHER TIERS: 1.80% $1k - $25k | 1.90% $25k - $100k
1.90%*$100k*-24 Month CD
OTHER TIERS: 1.70% $1k - $25k | 1.80% $25k - $100k
1.80%*$100k*-12 Month CD
OTHER TIERS: 1.60% $1k - $25k | 1.70% $25k - $100k
1.75%$2.5k-15 Month CD Special
1.40%*$100k*-6 Month CD
OTHER TIERS: 1.20% $1k - $25k | 1.30% $25k - $100k
1.21%*$100k*-3 Month CD
OTHER TIERS: 1.00% $1k - $25k | 1.10% $25k - $100k

KodaBank Locations
Kennedy Facility101 5th Street EastKennedy, MN 56733
Stephen Branch398 Pacific AvenueStephen, MN 56757
Bank Of Minto Branch521 2nd StreetMinto, ND 58261
Kodabank104 South Main StreetDrayton, ND 58225

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