Choice Financial Group
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
$6.4BAssets
$3.2BLoans
$5.1BDeposits
$718.7MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 64% of banks $1B-$10B in assets (rank 119 of 328).
- Widest gap: total risk-based capital ratio trails 93% of banks $1B-$10B in assets (rank 305 of 328).
- Overall: at or above the peer median on 3 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $81.8M · efficiency ratio beats 64% of banks $1B-$10B in assets | 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 |