ChoiceOne Bank: Balance Sheet
Data as of · Call Report Schedule RC How we update
Assets, liabilities and equity as reported on Schedule RC, the statement every other page on this profile is derived from.
Loans held for sale dropped 61.6% in Q2 2026, from $9.9M to $3.8M. It was the largest change from Q1 2026 among the key lines here. On total assets, ChoiceOne Bank ranks 5th highest among the 72 banks headquartered in Michigan, at $4.45B (Q2 2026). ChoiceOne Bank's total assets of $4.45B is well above the $2.02B median for banks in the $1B-10B asset tier, a gap of 121% (Q2 2026).
Assets
| Line item | Q2 2026 |
|---|---|
| Total assets | $4.45B |
| Cash and balances due from depository institutions | $88.6M |
| Total securities | $945.3M |
| Fed funds sold and reverse repos | $0 |
| Net loans and leases | $3.04B |
| Loans held for sale | $3.8M |
| Trading account assets | $0 |
| Premises and fixed assets | $50.5M |
| Other real estate owned | $1.9M |
| Goodwill and other intangibles | $165.7M |
| All other assets | $160.6M |
Liabilities
| Line item | Q2 2026 |
|---|---|
| Total liabilities | $3.93B |
| Total deposits | $3.61B |
| Fed funds purchased and repos | $0 |
| Trading liabilities | $0 |
| Other borrowed money | $294.9M |
| Subordinated notes and debentures | $0 |
| All other liabilities | $30.9M |
Equity capital
| Line item | Q2 2026 |
|---|---|
| Total equity capital | $519.6M |
| Common stock | $3.0M |
| Common stock surplus | $415.5M |
| Retained earnings | $135.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$34.1M |
| Total liabilities and equity capital | $4.45B |
Balance Sheet trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Balance Sheet by quarter
| Quarter | Total assets | Total liabilities | Net loans and leases | Securities | Cash and balances due |
|---|---|---|---|---|---|
| Q3 2023 | $2.57B | $2.37B | $1.30B | $910.8M | $144.6M |
| Q4 2023 | $2.57B | $2.36B | $1.40B | $928.0M | $55.4M |
| Q1 2024 | $2.67B | $2.44B | $1.41B | $908.0M | $150.1M |
| Q2 2024 | $2.62B | $2.38B | $1.43B | $889.7M | $100.9M |
| Q3 2024 | $2.72B | $2.48B | $1.49B | $895.0M | $145.9M |
| Q4 2024 | $2.72B | $2.46B | $1.54B | $879.0M | $96.7M |
| Q1 2025 | $4.30B | $3.83B | $2.89B | $881.4M | $139.3M |
| Q2 2025 | $4.31B | $3.83B | $2.89B | $876.2M | $156.2M |
| Q3 2025 | $4.29B | $3.80B | $2.88B | $939.0M | $98.9M |
| Q4 2025 | $4.41B | $3.90B | $2.99B | $946.0M | $88.0M |
| Q1 2026 | $4.39B | $3.88B | $2.96B | $964.3M | $84.2M |
| Q2 2026 | $4.45B | $3.93B | $3.04B | $945.3M | $88.6M |
ChoiceOne Bank balance sheet, all the way back
Balance Sheet back to 2001 · peer percentiles on every line item · Excel export
Unlock ChoiceOne Bank, freeSource: Call Report Schedule RC, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full ChoiceOne Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1014) · FFIEC NIC profile (RSSD 324340)