Choice Financial Group
Total assets
$6.38B
▲ +10.8% YoY
Deposits
$5.13B
▲ +4.5% YoY
Loans
$3.18B
▲ +0.5% YoY
Offices
18
CHOICE FINANCIAL HOLDINGS INC
ROA (annualized)
1.30%
peers 1.26%
ROE (annualized)
11.42%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Choice Financial Group | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.8% | +5.5% | +5.4 pts |
| Deposit growth (YoY) | +4.5% | +5.1% | -0.6 pts |
| Loan growth (YoY) | +0.5% | +5.9% | -5.5 pts |
| ROA | 1.30% | 1.26% | +0.0 pts |
| ROE | 11.4% | 12.2% | -0.8 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
Profile
- Established
- 1906
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- CHOICE FINANCIAL HOLDINGS INC
- Specialization
- Commercial Lending Specialization
- Address
- 4501 23rd Ave S, Fargo, ND, 58104
- County
- Cass
- Metro area
- Fargo, ND-MN
- Offices
- 18
- FDIC cert #
- 9423
- RSSD ID
- 826956
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.38B | $5.13B | $3.18B | $718.7M | $40.0M | 1.30% | 3.28% | 0.34% |
| Q1 2026 | $6.13B | $5.02B | $3.06B | $700.0M | $19.5M | 1.29% | 3.27% | 0.52% |
| Q4 2025 | $5.95B | $5.13B | $3.14B | $683.2M | $69.7M | 1.22% | 3.18% | 0.65% |
| Q3 2025 | $5.75B | $5.02B | $3.15B | $659.1M | $52.0M | 1.23% | 3.14% | 0.88% |
| Q2 2025 | $5.76B | $4.91B | $3.16B | $637.4M | $34.6M | 1.24% | 3.10% | 0.26% |
| Q1 2025 | $5.63B | $4.96B | $3.10B | $619.4M | $17.0M | 1.23% | 3.08% | 0.23% |
| Q4 2024 | $5.40B | $4.71B | $3.14B | $592.9M | $99.5M | 1.96% | 2.90% | 0.26% |
| Q3 2024 | $5.27B | $4.61B | $3.14B | $597.7M | $86.9M | 2.32% | 2.87% | 0.41% |
Loan mix (Q2 2026): real estate $2.25B · commercial $485.0M · consumer $20.6M · securities $2.48B
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Choice Financial Group | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 1.26% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 12.2% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.70% | 25th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.9% | 59.0% | 38th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Choice Financial Group | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Choice Financial Group | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Choice Financial Group | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Choice Financial Group | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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