Total Assets
$6.0B
Total balance-sheet footings
FDIC Cert #9423 · Fargo, North Dakota · Est. 1906
Choice Financial Group - FDIC Bank Health Profile
A community-scale look at Choice Financial Group's own numbers, pulled straight from its quarterly FDIC Call Report.
- $6.0B
- Total assets
- B
- Health grade · Good
- 1.22%
- Return on assets
- 10.7%
- Tier 1 capital
Data updated July 2026
The verdict
Choice Financial Group earns a PlainBankData health grade of B (76/100), with well-capitalized at 10.71% Tier 1, profitable at 1.22% ROA, efficient (54% cost ratio).
- #250
- largest of 4,313 FDIC banks by assets
- 94th
- percentile by asset size, nationally
- 10.71%
- Tier 1 ratio - above the 10% well-capitalized line
- 59th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Choice Financial Group's 76/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Choice Financial Group's composite health score
Tier 1 Capital Ratio (10.71%) 28/40
Return on Assets (ROA) (1.22%) 20/25
Texas Ratio (5.33%) 16/20
Efficiency Ratio (54.16%) 12/15
76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$5.1B
Customer-funded liabilities
Net Loans
$3.1B
Outstanding loan book
Net Income
$70M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Choice Financial Group ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Choice Financial Group's score of 76/100 falls in the highlighted band.
Choice Financial Group's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Choice Financial Group's $6.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.71% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.71%
Texas Ratio
5.33%
Equity Capital
$683M
Profitability metrics
Return on Assets (ROA)
59th percentile nationally
1.22%
Return on Equity (ROE)
10.92%
Efficiency Ratio
54.16%
What the numbers say about Choice Financial Group
Choice Financial Group is an FDIC-insured institution (Certificate #9423) headquartered in Fargo, North Dakota, established in 1906. It holds $6.0B in total assets - 250th of 4,313 FDIC-insured banks, $5.1B in customer deposits, and $3.1B in net loans. Capital-wise, the Tier 1 ratio sits at 10.71%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 5.33%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (76 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Choice Financial Group sits in the top decile of all FDIC-insured institutions by asset size (250th of 4,313), and within North Dakota it ranks 3rd of 61 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Alerus Financial, at $5.2B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$313M
Interest Income
$50M
Non-Interest Income
$121M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Choice Financial Group reports a Texas Ratio of 5.33% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.33% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in North Dakota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Choice Financial Group (FDIC Cert #9423) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in North Dakota
All North Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bell BankFargo | $14.4B | C | 0.59% |
| First International Bank & TrustWatford City | $6.2B | B | 1.69% |
| Alerus Financial, National AssociationGrand Forks | $5.2B | C | 0.42% |
| Gate City BankFargo | $4.0B | D | 0.60% |
| Bravera BankDickinson | $3.8B | B | 1.12% |
| Western State BankDevils Lake | $2.6B | A | 1.79% |
| First Western Bank & TrustMinot | $2.3B | C | 0.84% |
| Starion BankBismarck | $2.1B | B | 0.80% |
Frequently asked questions
What is Choice Financial Group's health grade?▼
Choice Financial Group receives a health grade of B (76/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Choice Financial Group?▼
Choice Financial Group holds $6.0B in total assets and $5.1B in deposits, ranking 250th of 4,313 FDIC-insured banks by asset size. It is headquartered in Fargo, North Dakota.
Is my money safe at Choice Financial Group?▼
Yes, deposits at Choice Financial Group (Certificate #9423) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Choice Financial Group's Tier 1 Capital Ratio?▼
Choice Financial Group has a Tier 1 Capital Ratio of 10.71%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Choice Financial Group?▼
Choice Financial Group has a Texas Ratio of 5.33%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Choice Financial Group?▼
Choice Financial Group has an Efficiency Ratio of 54.16%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Choice Financial Group's profile as a depositor or analyst.
- Choice Financial Group's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Choice Financial Group against other North Dakota banks before moving funds. North Dakota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.