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 | |