Side-by-side · Q2 2026 data
KodaBank vs Choice Financial Group
Metric by metric
| Measure | KodaBank | Choice Financial Group |
|---|---|---|
| TellerScore | 75 (stronger) | 73 |
| Capital cushion | 53 | 58 (stronger) |
| Loan quality | 90 (stronger) | 77 |
| Earnings | 87 (stronger) | 72 |
| Funding & liquidity | 63 | 86 (stronger) |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 61st | 70th |
| Total assets | $559.8M | $6.4B |
| Deposits / shares | $483.0M | $5.1B |
| Capital ratio | 10.28% | 10.84% (stronger) |
| Problem loans | 0.30% (stronger) | 0.68% |
| Net charge-offs | -0.00% (stronger) | 0.31% |
| Return on assets | 1.69% (stronger) | 1.30% |
| Loans ÷ deposits | 88.2% | 62.0% (stronger) |
| Uninsured deposits | 23.6% (stronger) | 26.5% |
| Offices | 12 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 5.6% |
KodaBank has the higher TellerScore (75 vs 73). On the 7 directional measures above (where higher or lower is clearly better), KodaBank leads on 5 and Choice Financial Group on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Grand Forks, ND
- Fargo, ND
- Walhalla, ND