Choice Financial Group: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Choice Financial Group of Fargo, ND against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.32% | 1.44% | -0.12% | 54th above |
| ROAE | 11.59% | 12.51% | -0.92% | 45th below |
| Net Interest Margin | 3.18% | 3.84% | -0.66% | 21st bottom |
| Efficiency Ratio | 52.35% | 58.88% | -6.53% | 69th above |
| PPNR / Avg Assets | 1.91% | 1.78% | +0.13% | 64th above |
| Yield on Earning Assets | 5.37% | 5.71% | -0.34% | 39th below |
| Cost of Funds | 2.50% | 2.03% | +0.47% | 22nd bottom |
| Net Interest Spread | 2.52% | 3.18% | -0.66% | 21st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.37% | 0.96% | +0.41% | 21st bottom |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.69% | 0.75% | -0.06% | 37th below |
| NCO / Avg Loans | 0.53% | 0.30% | +0.23% | 8th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.17% | 1.25% | -0.08% | 52nd above |
| ACL / NPLs (Coverage) | 84.92% | 699.52% | -614.60% | 23rd bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.32% | 7.16% | -0.84% | 39th below |
| Provision / NCO | 104.71% | 815.47% | -710.76% | 36th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.84% | 11.60% | -0.76% | 58th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.26% | 11.33% | -0.07% | 64th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.46% | 10.65% | -0.19% | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.71% | 86.38% | -23.67% | 92nd top |
| Core Deposit Ratio | 70.43% | 85.57% | -15.14% | 9th bottom |
| Uninsured Deposit Ratio | 26.47% | 32.72% | -6.25% | 66th above |
| Wholesale Funding Ratio | 7.30% | 5.45% | +1.85% | 27th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.82% | 10.45% | +0.37% | 78th top |
| Loan Growth (Y/Y) | 0.35% | 8.00% | -7.65% | 18th bottom |
| Deposit Growth (Y/Y) | 4.46% | 7.98% | -3.52% | 48th below |
See Choice Financial Group's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Choice Financial Group, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Choice Financial Group profile, how to read a UBPR, or how this data updates.