BlastPoint's Banking Scorecard
Choice Financial Group
Designations: ✓ Community bank
Fargo, ND
18 branches across ND · MN
Choice Financial Group has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 23.20% below tier average
- + Efficiency Ratio 3.50% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 12.9% in tier
- - ROA 0.08% below tier average
- - Net Interest Margin 0.55% below tier average
- - Delinquency Rate 0.15% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.1B
+9.0% YoY
+3.0% QoQ
|
+$3.3B |
$2.8B
-0.1% YoY
|
$1.1B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Top 10.0% in tier |
| Total Loans ? |
$3.1B
-1.1% YoY
-2.5% QoQ
|
+$1.1B |
$2.0B
+0.6% YoY
|
$779.7M
+5.6% YoY
|
$3.2B
+10.8% YoY
|
82% |
| Total Deposits ? |
$5.0B
+1.1% YoY
-2.2% QoQ
|
+$2.7B |
$2.3B
-0.3% YoY
|
$930.6M
+2.8% YoY
|
$4.8B
+8.2% YoY
|
Top 10.9% in tier |
| Return on Assets ? |
1.29%
+4.7% YoY
+5.4% QoQ
|
-0.08% |
1.37%
+19.6% YoY
|
1.38%
+15.2% YoY
|
1.23%
+13.4% YoY
|
56% |
| Net Interest Margin ? |
3.27%
+6.2% YoY
+2.8% QoQ
|
-0.55% |
3.82%
+6.9% YoY
|
3.69%
+5.3% YoY
|
3.89%
+5.7% YoY
|
27% |
| Efficiency Ratio ? |
57.56%
+13.1% YoY
+6.3% QoQ
|
-3.50% |
61.06%
-4.6% YoY
|
60.25%
-5.8% YoY
|
66.95%
-4.1% YoY
|
57% |
| Delinquency Rate ? |
1.04%
+191.2% YoY
-15.1% QoQ
|
+0.15% |
0.89%
+14.1% YoY
|
0.92%
+20.6% YoY
|
0.95%
+18.8% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
61.00%
-2.2% YoY
-0.4% QoQ
|
-23.20% |
84.20%
+0.3% YoY
|
69.27%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Top 8.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.47%
+2.5% YoY
-2.7% QoQ
|
-6.82% |
21.29%
-2.5% YoY
|
22.07%
+2.0% YoY
|
22.01%
-1.2% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.52%
+124.2% YoY
-19.7% QoQ
|
-0.16% |
0.67%
+15.6% YoY
|
0.56%
+12.7% YoY
|
0.67%
+19.3% YoY
|
43% |
| Tier 1 Capital Ratio ? |
10.83%
+4.1% YoY
+1.2% QoQ
|
-4.33% |
15.16%
+2.0% YoY
|
13.00%
+1.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 14.4% in tier |
| Non-Interest Income / Assets ? |
0.18%
-8.3% YoY
-78.8% QoQ
|
-0.08% |
0.26%
+1.6% YoY
|
0.12%
+7.9% YoY
|
0.32%
+4.1% YoY
|
65% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.