BanksCHOICEONE BANK

CHOICEONE BANK

SPARTA, MILargeEst. Jan. 1, 1898, midnightFDIC #1014RSSD #324340FED
Latest · 2025-12-31

CHOICEONE BANK is an FDIC-insured commercial bank headquartered in SPARTA, MI, established in Jan. 1, 1898, midnight. As of 2025-12-31, the bank reported total assets of $4.4B and total deposits of $3.6B. Profitability stands at 1.34% ROA and 11.69% ROE, with a net interest margin of 3.75%. CET1 capital ratio: 11.45%, well above regulatory minimums. NPL ratio: 0.89% · Texas Ratio: 5.46%. Operates 49 domestic branches.

Assets
$4.4B
Deposits
$3.6B
Loans
$3.0B
Equity
$507M

Profitability

Return on Assets (ROA)1.34%
Return on Equity (ROE)11.69%
Net Interest Margin3.75%
Yield on Assets5.43%
Cost of Funds1.77%

Asset Quality

NPL Ratio0.89%
Net Charge-Off Ratio0.03%
Texas Ratio5.46%
NPA Ratio0.67%
ACL / Loans1.17%

Capital & Liquidity

CET1 Ratio11.45%
Tier 1 Capital11.45%
Total Capital Ratio12.49%
Leverage Ratio9.09%
Loan-to-Deposit84.09%

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