🏦Bank Scorer

CHOICE FINANCIAL GROUP

FARGO, ND · Supervised by FDIC

Est. 1906FDIC #9,423RSSD: FDIC-9423
Part ofCHOICE FINANCIAL HOLDINGS INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.29%

Institution Profile

FDIC BankFind

Address

4501 23rd Ave S, FARGO, ND

County

Cass County

Established

January 1, 1906

Total Assets

$6.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$6.1B

Total Deposits

$5.0B

Net Loans

$3.1B

Net Income

$19M

ROA

1.29%

ROE

11.26%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate2.51%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

18

Branch Deposits

$4.9B

1-Year Change

0

5-year net change: -2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202427982.44%2.51%
202339583.29%5.57%
202250880.91%5.12%
202184879.95%7.90%
20201,10779.13%6.05%
201961082.3%3.77%
201851878.38%6.76%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

13 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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