← Back to Institutions
Choice Financial Group
Fargo, ND·FDIC Cert #9423·Charter: STATE·Est. 19060101.0·HC: CHOICE FINANCIAL HOLDINGS INC
Total Assets
$6.0B
Q4 2025
Return on Assets
1.22%
-0.01%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
54.16%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
63
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.22%-0.01
ROE
10.92%-0.14
Efficiency
54.16%-0.10
Equity/Assets
0.00%+0.00
NPL Ratio
1.22%-0.33
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
61.23%-1.56
Charge-offs
0.23%+0.14
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.6 | 1.3 | 2.3 | 2.0 | 1.2 | 1.2 | 1.2 | 1.2 |
| ROE | 15.1 | 12.1 | 21.4 | 18.1 | 11.2 | 11.2 | 11.1 | 10.9 |
| Efficiency | 46.7 | 53.3 | 40.3 | 44.2 | 50.9 | 52.6 | 54.3 | 54.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 0.5 | 0.6 | 0.4 | 0.4 | 0.4 | 1.5 | 1.2 |
| Charge-offs | 0.0 | 0.2 | 0.1 | 0.3 | -0.0 | 0.0 | 0.1 | 0.2 |
| Loan/Deposit | 71.8 | 71.3 | 68.0 | 66.6 | 62.4 | 64.5 | 62.8 | 61.2 |
Balance Sheet
Total Assets$6.0B
Total Deposits$5.1B
Total Loans$3.1B
Total Equity$683.2M
Profitability
ROA1.22%
ROE10.92%
Efficiency Ratio54.16%
Net Income$69.7M
Risk & Asset Quality
NPL Ratio1.22%
Charge-off Rate0.23%
Loan/Deposit61.23%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans