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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.24% | 1.21% | 1.21% | 1.29% | 1.31% | +7 bps | |
| Return on Equity | 11.24% | 10.73% | 10.53% | 11.26% | 11.59% | +35 bps | |
| Net Interest Margin | 2.99% | 3.01% | 3.12% | 3.10% | 3.14% | +15 bps | |
| Efficiency Ratio | 54.24% | 57.37% | 53.89% | 57.56% | 52.54% | -170 bps | |
| Non-Interest Burden | 1.23% | 1.36% | 1.22% | 1.47% | 1.20% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.71% | 9.04% | 10.22% | 8.96% | 10.82% | -589 bps | |
| Loan Growth (YoY) | 1.62% | 0.29% | 0.12% | -1.22% | 0.35% | -126 bps | |
| Deposit Growth (YoY) | 12.42% | 8.80% | 8.95% | 1.12% | 4.46% | -796 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.40% | 1.53% | 1.21% | 1.03% | 0.68% | +28 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.25% | 0.66% | 0.09% | 0.51% | +48 bps | |
| Allowance / Loans | 1.27% | 1.20% | 1.17% | 1.18% | 1.17% | -11 bps | |
| Allowance Coverage of NPLs | 3.2x | 0.8x | 1.0x | 1.1x | 1.7x | -1.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.64% | 10.66% | 10.71% | 10.83% | 10.84% | +20 bps | |
| Total Risk-Based Capital | 10.64% | 10.66% | 10.71% | 10.83% | 10.84% | +20 bps | |
| Equity / Assets | 11.07% | 11.47% | 11.47% | 11.41% | 11.26% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.28% | 63.56% | 61.96% | 61.73% | 62.71% | -257 bps | |
| Liquid Assets / Assets | 6.91% | 5.24% | 4.65% | 4.95% | 5.00% | -191 bps | |
| CRE / Total Capital | n/a | 244% | 242% | 231% | n/a | n/a | |