BlastPoint's Banking Scorecard
Choice Financial Group
Designations: ✓ Community bank
Fargo, ND
18 branches across ND · MN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in ND.
- Deposits +4.5% year over year ($5.1B on the books).
- Delinquency rate 0.69%.
- Return on assets 1.30%.
- Efficiency ratio 54.93% vs a 59.73% peer average.
- Loan-to-deposit ratio 61.98% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Choice Financial Group has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 23.05% below tier average
- + Efficiency Ratio 4.80% below tier average
- + Delinquency Rate 0.17% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.09% below tier average
- - Net Interest Margin 0.59% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.4B
+10.8% YoY
+4.1% QoQ
|
+$3.6B |
$2.8B
-0.6% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
Top 8.7% in tier |
| Total Loans ? |
$3.2B
+0.5% YoY
+3.8% QoQ
|
+$1.2B |
$2.0B
-0.3% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
84% |
| Total Deposits ? |
$5.1B
+4.5% YoY
+2.2% QoQ
|
+$2.8B |
$2.3B
-0.5% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
Top 9.6% in tier |
| Return on Assets ? |
1.30%
+5.1% YoY
+0.9% QoQ
|
-0.09% |
1.39%
+17.0% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
54% |
| Net Interest Margin ? |
3.28%
+5.6% YoY
+0.2% QoQ
|
-0.59% |
3.87%
+6.2% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
25% |
| Efficiency Ratio ? |
54.93%
+4.4% YoY
-4.6% QoQ
|
-4.80% |
59.73%
-12.6% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
63% |
| Delinquency Rate ? |
0.69%
+69.9% YoY
-33.3% QoQ
|
-0.17% |
0.87%
+11.7% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
61.98%
-3.8% YoY
+1.6% QoQ
|
-23.05% |
85.04%
-0.1% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
Top 8.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.50%
+4.6% YoY
+7.1% QoQ
|
-5.77% |
21.27%
-1.5% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.35%
+33.6% YoY
-33.4% QoQ
|
-0.33% |
0.67%
+11.7% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
10.84%
+1.9% YoY
+0.1% QoQ
|
-4.00% |
14.84%
-0.4% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.41%
+0.6% YoY
+125.3% QoQ
|
-0.12% |
0.53%
+2.5% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
71% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
15.5%
+0.7pp YoY +1.0pp QoQ |
-5.9pp | 21.4% | 21.6% | 22.2% | 29% |
| Brokered Deposits |
26.7%
+4.8pp YoY +3.0pp QoQ |
+17.2pp | 9.5% | 6.0% | 8.5% | 93% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.3%
-1.4pp YoY -0.4pp QoQ |
+1.3pp | 14.0% | 12.9% | 12.5% | 68% |
| CRE |
49.9%
+2.9pp YoY +0.8pp QoQ |
-0.2pp | 50.0% | 29.0% | 41.4% | 50% |
| 1-4 Family |
11.3%
-1.1pp YoY -0.6pp QoQ |
-15.2pp | 26.4% | 12.3% | 31.3% | 20% |
| Consumer |
0.6%
-0.2pp YoY -0.1pp QoQ |
-4.1pp | 4.7% | 4.5% | 5.0% | 36% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 15.3% | 19.7% | n/a |
| Leverage Ratio |
10.8%
+0.2pp YoY 0.0pp QoQ |
-0.5pp | 11.3% | 10.7% | 12.6% | 57% |
| Total Capital Ratio | n/a | n/a | 16.7% | 16.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
449
+17 (+3.9%) YoY +5 (+1.1%) QoQ |
+135 | 313 | 138 | 482 | 81% |
| Assets per Employee ($) |
$14.2M
+6.6% YoY +2.9% QoQ |
+$3.7M | $10.5M | $8.3M | $8.8M | 87% |
| Branch Count |
18
0 YoY 0 QoQ |
-2 | 20 | 7 | 18 | 60% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.5% | 0.4% | n/a |
| Nonaccrual |
0.7%
+0.3pp YoY -0.3pp QoQ |
-0.1pp | 0.8% | 0.7% | 1.0% | 62% |
| Allowance Coverage |
1.70x
-46.2% YoY +48.4% QoQ |
-17.01x | 18.71x | 73.79x | 20.23x | 42% |
| Net Charge-off Rate (YTD) |
0.3%
+0.3pp YoY +0.2pp QoQ |
0.0pp | 0.3% | 0.1% | 0.2% | 86% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.4%
+0.2pp YoY +0.2pp QoQ |
-1.2pp | 12.6% | 16.0% | 11.6% | 44% |
| Cost of Funds (YTD) |
2.3%
-0.5pp YoY 0.0pp QoQ |
+0.4pp | 1.9% | 1.7% | 1.7% | 76% |
| Net Income ($, YTD) |
$40.0M
+15.6% YoY — QoQ |
+$20.8M | $19.2M | $7.0M | $40.4M | 88% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.