Choice Financial Group (FDIC #9423): Bank Stress & Real-Estate Credit Exposure
Choice Financial Group (FDIC Cert #9423): bank stress 60/100, elevated, STABLE over 7 days; parent CHOICE FINANCIAL HOLDINGS INC.
Choice Financial Group (#9423) lends in 14 counties across 2 states; Choice Financial Group (#9423) reaches 274 ZIP codes: North Dakota 10 counties, 138 ZIPs; Minnesota 4 counties, 136 ZIPs.
Choice Financial Group (#9423) largest markets: Hennepin County, MN (146 branches, 73 ZIPs) (#9423), Cass County, ND (60 branches, 30 ZIPs) (#9423), Ramsey County, MN (27 branches, 27 ZIPs) (#9423), Grand Forks County, ND (44 branches, 22 ZIPs) (#9423), Dakota County, MN (22 branches, 22 ZIPs) (#9423), Cavalier County, ND (18 branches, 18 ZIPs) (#9423).
Choice Financial Group (#9423) reports $6.38 billion in total assets; Choice Financial Group (#9423) equity $718.7 million (11.3% of Choice Financial Group (#9423) assets); Choice Financial Group (#9423) domestic deposits $5.13 billion; Choice Financial Group (#9423) net income $40.0 million; Choice Financial Group (#9423) return on assets 1.30%; Choice Financial Group (#9423) return on equity 11.42%; Choice Financial Group (#9423) net interest income $94.9 million; Choice Financial Group (#9423) call report June 30, 2026.
Choice Financial Group (#9423) noncurrent real-estate loans: none reported; Choice Financial Group (#9423) residential -0.09%; Choice Financial Group (#9423) net charge-offs on real estate 0.74%; Choice Financial Group (#9423) residential charge-offs 0.78%.
Choice Financial Group (#9423) net interest margin 3.28% against an eight-quarter Choice Financial Group (#9423) average of 3.10% (Choice Financial Group (#9423) compression -0.17 points); Choice Financial Group (#9423) non-residential real estate 77.8% of equity; Choice Financial Group (#9423) rate-exposure score 40/100, Choice Financial Group (#9423) fixed-rate trap 40/100; Choice Financial Group (#9423) risk type credit driven; Choice Financial Group (#9423) rate regime rates elevated, Choice Financial Group (#9423) snapshot October 20, 2026.
Choice Financial Group (#9423) stress score moved from 58.3 on June 22, 2026 to 60.1 on October 20, 2026; Choice Financial Group (#9423) ranged 58.3 to 60.1 over 117 snapshots.
Choice Financial Group (#9423) alerts: 13 counties; top Choice Financial Group (#9423) alert scores: Grand Forks County, ND 44 (moderate); Lamoure County, ND 39 (moderate); Steele County, ND 39 (moderate); Bismarck County, ND 22 (low); Dickinson County, ND 22 (low).