BlastPoint's Banking Scorecard
Choice Financial Group
Mid-Market
Specialty: Commercial
ND
FDIC cert 9423
Designations: ✓ Community bank
Fargo, ND
201
banks in Mid-Market tier nationally
4 in ND
View Mid-Market leaderboard (ND) →
Choice Financial Group faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 11% in Mid-Market
- - Capital Thin: Bottom 22% in Mid-Market
- - Cost Spiral: Bottom 67% in Mid-Market
- - Loan-to-Deposit Ratio 24.24% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.0B
+10.2% YoY
+3.6% QoQ
|
-$4.5B |
$10.5B
+2.9% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$3.1B
+0.1% YoY
-0.2% QoQ
|
-$4.0B |
$7.1B
+4.5% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$5.1B
+8.9% YoY
+2.3% QoQ
|
-$3.4B |
$8.5B
+3.0% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
1.22%
-37.6% YoY
-0.6% QoQ
|
+0.06% |
1.16%
+9.4% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
54% |
| Net Interest Margin ? |
3.18%
+9.5% YoY
+1.4% QoQ
|
-0.21% |
3.40%
+7.9% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
54.16%
+22.5% YoY
-0.2% QoQ
|
-2.45% |
56.60%
-3.2% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? |
1.22%
+217.5% YoY
-21.1% QoQ
|
+0.54% |
0.68%
+12.0% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
61.23%
-8.1% YoY
-2.5% QoQ
|
-24.24% |
85.47%
+1.1% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.87%
-3.2% YoY
+7.3% QoQ
|
-5.77% |
20.64%
-0.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.65%
+147.9% YoY
-26.9% QoQ
|
+0.15% |
0.50%
+7.3% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? | 0.00% | -13.55% |
13.55%
+1.8% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
Bottom 1% in tier |
| Non-Interest Income / Assets ? |
0.85%
-61.6% YoY
+36.5% QoQ
|
-0.11% |
0.96%
+7.1% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Margin Compression
decline
#3 of 19 · Bottom 11% in Mid-Market
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.22%
(Tier: 1.16%, National: 1.12%)
19 of 19 Mid-Market banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#12 of 51 · Bottom 22% in Mid-Market
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 13.55%, National: 9.75%)
51 of 51 Mid-Market banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Cost Spiral
risk
#5 of 7 · Bottom 67% in Mid-Market
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
54.16%
(Tier: 56.60%, National: 65.09%)
7 of 7 Mid-Market banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
Loan-to-Deposit Ratio
metric
Bottom 6%
in Mid-Market
Why this stands out
Current:
61.23%
(Tier avg: 85.47%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
69
69th pctile
Non-Interest Income / Assets
Current: 0.85% · Tier avg: 0.96%
62
62th pctile
Efficiency Ratio
Current: 54.16% · Tier avg: 56.60%
54
54th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.16%
34
34th pctile
Net Interest Margin
Current: 3.18% · Tier avg: 3.40%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.65% · Tier avg: 0.50%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 14.87% · Tier avg: 20.64%
21
21th pctile
Total Deposits
Current: $5.1B · Tier avg: $8.5B
19
19th pctile
Total Assets
Current: $6.0B · Tier avg: $10.5B
18
18th pctile
Delinquency Rate
Current: 1.22% · Tier avg: 0.68%
6
6th pctile
Total Loans
Current: $3.1B · Tier avg: $7.1B
6
6th pctile
Loan-to-Deposit Ratio
Current: 61.23% · Tier avg: 85.47%
0
0th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 13.55%
Top Weaknesses
0
0th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 13.55%
6
6th pctile
Loan-to-Deposit Ratio
Current: 61.23% · Tier avg: 85.47%
6
6th pctile
Total Loans
Current: $3.1B · Tier avg: $7.1B
18
18th pctile
Delinquency Rate
Current: 1.22% · Tier avg: 0.68%
19
19th pctile
Total Assets
Current: $6.0B · Tier avg: $10.5B
21
21th pctile
Total Deposits
Current: $5.1B · Tier avg: $8.5B
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 14.87% · Tier avg: 20.64%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.65% · Tier avg: 0.50%
34
34th pctile
Net Interest Margin
Current: 3.18% · Tier avg: 3.40%
54
54th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.16%
62
62th pctile
Efficiency Ratio
Current: 54.16% · Tier avg: 56.60%
69
69th pctile
Non-Interest Income / Assets
Current: 0.85% · Tier avg: 0.96%