This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Fargo, ND
Health score
75.9
Total assets
$6.4B
Bank
Watford City, ND
Health score
74.5
Total assets
$6.2B
Answer first
Choice Financial Group leads on financial health and capitalization and profitability and lending quality; First International Bank & Trust leads on growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Choice Financial Group
Higher TFS health score
Capitalization
Choice Financial Group
Higher comparable capital ratio
Profitability
Choice Financial Group
Higher return on assets
Lending quality
Choice Financial Group
Lower problem-loan measure
Growth
First International Bank & Trust
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Choice Financial Group | First International Bank & Trust |
|---|---|---|
| TFS health score | 75.9/100Leads | 74.5/100 |
| Total assets | $6.4B | $6.2B |
| Total deposits / shares | $5.1B | $5.5B |
| Tier 1 capital ratio | 10.84%Leads | 9.06% |
| Return on assets | 1.30%Leads | 1.22% |
| Return on equity | 11.42% | 14.47% |
Choice Financial Group
18 branches
First International Bank & Trust
28 branches
Both institutions report branches in 2 states: MN, ND.
Choice Financial Group
Unavailable
First International Bank & Trust
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Choice Financial Group
0 in TFS registry
First International Bank & Trust
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Choice Financial Group score | Choice Financial Group ROA | First International Bank & Trust score | First International Bank & Trust ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 2.32% | — | 1.59% |
| 2024-Q4 | — | 1.96% | — | 1.91% |
| 2025-Q1 | — | 1.23% | — | 2.27% |
| 2025-Q2 | — | 1.24% | — | 1.91% |
| 2025-Q3 | — | 1.23% | — | 1.74% |
| 2025-Q4 | — | 1.22% | — | 1.69% |
| 2026-Q1 | 72.9/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 0.68%Leads | 1.54% |
| Net charge-offs | 0.31% | 0.20%Leads |
| Efficiency ratio | 54.93%Leads | 70.42% |
| Loan-to-deposit ratio | 61.98% | 90.38% |
| Asset growth (YoY) | 10.82% | 12.36%Leads |
| Deposit / share growth (YoY) | 4.46% | 13.67%Leads |
| Branches | 18 | 28 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.29% |
| 75.9/100 |
| 1.27% |
| 2026-Q2 | 75.9/100 | 1.30% | 74.5/100 | 1.22% |