Compared with North Dakota
6 of 11
compared fees are above the median.
4 below, 1 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
93rd percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the North Dakota median
of 11 compared; 4 below, 1 about the same
See the feesFee schedule read Oct 17, 2026
Call-report figures are for Choice Financial Group at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the North Dakota median | Published fees above the North Dakota median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Choice Financial Group's published fee schedule; Bank Fee Index medians | Current schedule | Oct 17, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 5.9% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (93rd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $3.7M in Q2 2026, about level with the same quarter a year earlier ($3.7M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
6 of 11 compared published fees sit above the North Dakota median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with North Dakota medians for fees published by banks and credit unions.
Overdraft (OD)
Stop Payment
Cashier's Check
Each amount links to the fee schedule it was read from. Medians for North Dakota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 6.2% from Q3 2025 to Q2 2026, to $3.7M. Its share of revenue, 5.9%, is above the 2.2% median for banks with $1B to $10B in assets.
$3.7M
Choice Financial GroupMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Choice Financial Group · $6.4B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Choice Financial Group(this institution) | Fargo, ND | $6.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Alpine Bank | Glenwood Springs, CO | $6.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Banesco USA | Miami, FL | $6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bradesco Bank | Coral Gables, FL | $6.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cambridge Savings Bank | Cambridge, MA | $7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| CFG Bank | Lutherville, MD | $6.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Community Trust Bank, Inc. | Pikeville, KY | $6.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Emigrant Bank | Miami, FL | $5.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| First Bank | St. Louis, MO | $6.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Financial Bank, National Association | Terre Haute, IN | $6.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First International Bank & Trust | Watford City, ND | $6.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank of America | East Lansing, MI | $6.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Five Star Bank | Warsaw, NY | $6.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Intrust Bank, National Association | Wichita, KS | $6.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Johnson Bank | Racine, WI | $7.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mercantile Bank | Grand Rapids, MI | $6.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Middlesex Savings Bank | Natick, MA | $6.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Republic Bank & Trust Company | Louisville, KY | $7.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| River City Bank | Sacramento, CA | $6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Shore United Bank, National Association | Easton, MD | $6.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Camden National Bank | Camden, ME | $6.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Washington Trust Company, of Westerly | Westerly, RI | $6.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| TrustCo Bank | Glenville, NY | $6.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| United Fidelity Bank, fsb | Evansville, IN | $6.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Westamerica Bank | San Rafael, CA | $5.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wilson Bank and Trust | Lebanon, TN | $6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $9.50 among 17 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026.
Monthly maintenance fee in dollars, one mark per institution
Choice Financial Group does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026. Total assets from FDIC and NCUA records.
Call reports for Choice Financial Group (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $3.7M | +$79K | +2.2% |
| Q1 2026 | $3.7M | −$156K | −4.1% |
| Q4 2025 | $3.8M | −$169K | −4.2% |
| Q3 2025 | $4.0M | +$253K | +6.8% |
| Q2 2025 | $3.7M | +$529K | +16.5% |
| Q1 2025 | $3.2M | +$262K | +8.9% |
| Q4 2024 | $2.9M | +$27K | +0.9% |
| Q3 2024 | $2.9M | +$158K | +5.7% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Choice Financial Group left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Choice Financial Group by share.
Amounts from Choice Financial Group’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per item
per hour
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Escheatment Fee | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research (Hourly) | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research (Per Item) | $1Below the U.S. middle 50% ($6 to $25 nationally) | per item | None |
| Reconciliation Services (Hourly) | $75Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee (Per Item) | $34Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
ATM & Card | |||
| Debit Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card Replacement Fee - Expedited | $40Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Checks | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment - Phone / In-Branch (Per) | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks (4 checks / page) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing (Non-Customer) | 2%($10 minimum) | Not stated | None |
| Printing Services - Check Copies (Per) | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposit Item Returned - Chargeback Fee | $4Below the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Public (Non-customers) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Key Replacement | $25Not compared: Box drilling or key fee | Not stated | None |
| Late Payment Fee | $20Not compared: Box drilling or key fee | Not stated | None |
| Legal Fee: Garnishment / Levy | $150Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Fax Services (Per) | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopies (Per Page) | $1Not compared: Charged per page; comparison unavailable | per page | None |
Oct 17, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Choice Financial Group operates, and what regulators and customers have on file.
Branch footprint
18 offices in 2 states, $5.1B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 4 | $3.0B | |
| 3 | $1.0B | |
| Outside a metro area | 8 | $705.3M |
| 2 | $248.3M | |
| 1 | $180.9M |
Minneapolis-St. Paul-Bloomington, MN-WI
1.2% of bank deposits, #11 of 125, up 0.7 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| U.S. Bank National Association | 40.8% |
| Wells Fargo Bank, National Association | 20.3% |
| Ameriprise Bank, FSB | 9.5% |
| Old National Bank | 2.9% |
| The Huntington National Bank | 2.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Minneapolis-St. Paul-Bloomington, MN-WI, Choice Financial Group holds 1.2% of bank deposits, #11 of 125, with 4 offices.
900 offices of 143 institutions shown.
Showing 900 of 947 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 125 institutions shown. $253.2B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2019 to 2026
June 2026: 1.2% share, 4 offices, #11 of 125
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2019 to 2026.
Credit unions, reported separately
233 offices of 54 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.