Fargo, ND · Cert 9423 · Choice Financial Holdings Inc.
State charter, non-member · FDIC · 18 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
27
Asset Quality
28
Profitability
42
Liquidity
0
Efficiency
64
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Fargo, ND · Cert 9423 · Choice Financial Holdings Inc.
State charter, non-member · FDIC · 18 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 1.2% share · #11 of 125 inst. · $3.0B of $253.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.32% | 1.96% | 1.23% | 1.24% | 1.23% | 1.22% | 1.29% | 1.30% | +6 bps | |
| Return on Equity | 21.45% | 18.08% | 11.20% | 11.23% | 11.06% | 10.92% | 11.26% | 11.42% | +19 bps | |
| Net Interest Margin | 2.76% | 2.69% | 2.88% | 2.92% | 2.90% | 2.90% | 3.10% | 3.07% | +15 bps | |
| Efficiency Ratio | 40.35% | 44.21% | 50.88% | 52.61% | 54.26% | 54.16% | 57.56% | 54.93% | +232 bps | |
| Non-Interest Burden | -0.61% | -0.07% | 1.08% | 1.15% | 1.20% | 1.18% | 1.47% | 1.31% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.68% | 8.63% | 17.19% | 16.71% | 9.04% | 10.22% | 8.96% | 10.82% | -589 bps | |
| Loan Growth (YoY) | 3.12% | 1.68% | 1.69% | 1.62% | 0.29% | 0.12% | -1.22% | 0.35% | -126 bps | |
| Deposit Growth (YoY) | 1.92% | 6.32% | 16.98% | 12.42% | 8.80% | 8.95% | 1.12% | 4.46% | -796 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.62% | 0.38% | 0.35% | 0.40% | 1.53% | 1.21% | 1.03% | 0.68% | +28 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.28% | -0.02% | 0.01% | 0.09% | 0.23% | 0.09% | 0.30% | +30 bps | |
| Allowance / Loans | 1.34% | 1.18% | 1.26% | 1.27% | 1.20% | 1.17% | 1.18% | 1.17% | -11 bps | |
| Allowance Coverage of NPLs | 2.2x | 3.1x | 3.6x | 3.2x | 0.8x | 1.0x | 1.1x | 1.7x | -1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.23% | 10.77% | 10.41% | 10.64% | 10.66% | 10.71% | 10.83% | 10.84% | +20 bps | |
| Total Risk-Based Capital | 11.23% | 10.77% | 10.41% | 10.64% | 10.66% | 10.71% | 10.83% | 10.84% | +20 bps | |
| Equity / Assets | 11.34% | 10.98% | 11.00% | 11.07% | 11.47% | 11.47% | 11.41% | 11.26% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.95% | 67.42% | 63.19% | 65.28% | 63.56% | 61.96% | 61.73% | 62.71% | -257 bps | |
| Liquid Assets / Assets | 11.45% | 6.32% | 7.40% | 6.91% | 5.24% | 4.65% | 4.95% | 5.00% | -191 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 244% | 242% | 231% | n/a | n/a | |
Fargo, ND · Cert 9423 · Peer group: banks $1B-$10B in assets (n=322-328) · Choice Financial Holdings Inc.
State charter, non-member · FDIC · 18 branches
Q2 2026
Return on Assets
1.25%
Rank 154 of 328
Net Interest Margin
3.07%
Rank 240 of 328
Efficiency Ratio
55.29%
Rank 119 of 328
Equity / Assets
11.26%
Rank 120 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.25% | 0.91% | 1.22% | 1.52% | Beats 53% | 154 / 328 | ||
| Return on Equity | 11.13% | 8.43% | 11.45% | 14.43% | Beats 46% | 176 / 328 | ||
| Net Interest Margin | 3.07% | 3.03% | 3.45% | 3.83% | Beats 27% | 240 / 328 | ||
| Efficiency Ratio | 55.29% | 51.61% | 59.56% | 67.53% | Beats 64% | 119 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.68% | 0.24% | 0.51% | 1.03% | Beats 38% | 200 / 322 | ||
| Net Charge-Offs / Loans | 0.17% | 0.01% | 0.03% | 0.10% | Beats 17% | 269 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.84% | 11.75% | 13.15% | 15.47% | Beats 11% | 291 / 328 | ||
| Total Risk-Based Capital Ratio | 10.84% | 12.63% | 14.15% | 16.46% | Beats 7% | 305 / 328 | ||
| Equity / Assets | 11.26% | 9.15% | 10.33% | 12.01% | Beats 63% | 120 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.71% | 76.63% | 87.92% | 95.36% | 8th pctl | 296 / 323 | ||
| Loans / Assets | 50.38% | 65.18% | 74.15% | 79.98% | 8th pctl | 301 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||