Choice Financial Group: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 6.51 percentage points in Q2 2026, from 159.19% to 165.70%. It was the largest change from Q1 2026 among the key lines here. Choice Financial Group ranks 42nd of 60 North Dakota banks on loan-to-deposit ratio, in the lower half at 62.71% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Choice Financial Group sits 25.49 points lower, at 62.71% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.22B |
| Net loans and leases | $3.18B |
| Loans held for sale | $3.6M |
| Loans to total assets | 50.38% |
| Loan-to-deposit ratio | 62.71% |
| Net loans to equity capital | 4.42% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.73% |
| Multifamily (5+ residential) | 8.42% |
| Commercial and industrial | 15.07% |
| Consumer | 0.64% |
| Credit cards | 0.00% |
| Farm | 9.41% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.47% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 165.70% |
| Construction concentration (Tier 1 capital + allowance) | 27.70% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.30% |
| Interest income on loans | $49.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $3.08B | $4.52B | 27.19% | 20.27% | 1.39% |
| Q4 2023 | $3.12B | $4.43B | 26.78% | 19.19% | 1.28% |
| Q1 2024 | $3.08B | $4.24B | 29.07% | 17.93% | 1.22% |
| Q2 2024 | $3.15B | $4.37B | 29.57% | 17.55% | 1.10% |
| Q3 2024 | $3.18B | $4.61B | 30.46% | 16.22% | 1.03% |
| Q4 2024 | $3.18B | $4.71B | 30.48% | 15.52% | 0.97% |
| Q1 2025 | $3.14B | $4.96B | 31.89% | 15.96% | 0.92% |
| Q2 2025 | $3.20B | $4.91B | 30.56% | 16.43% | 0.86% |
| Q3 2025 | $3.19B | $5.02B | 31.16% | 15.88% | 0.81% |
| Q4 2025 | $3.18B | $5.13B | 33.45% | 15.25% | 0.75% |
| Q1 2026 | $3.10B | $5.02B | 33.81% | 15.49% | 0.70% |
| Q2 2026 | $3.22B | $5.13B | 34.73% | 15.07% | 0.64% |
Choice Financial Group loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Choice Financial Group, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Choice Financial Group profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9423) · FFIEC NIC profile (RSSD 826956)