Branch Network
ChoiceOne Bank Locations & Branches Sparta, Michigan
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ChoiceOne Bank operates 48 branches from its headquarters in Sparta, MI, .
ChoiceOne Bank branch network
All 48 branches are in MICHIGAN, across 39 cities. Fenton, MI has the most of its branches, 3. Its largest office by deposits is the The State Bank Branch office in Fenton, MI, with $470.6M (13.0% of its branch deposits). On June 30, 2025 it had 49 branches, 1 more than in 2026.
ChoiceOne Bank at a glance
Its CET1 capital ratio was 11.81% at Q2 2026, above regulatory requirements.
- Total assets, Q2 2026
- $4.45B
- CET1 ratio, Q2 2026
- 11.81%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Established
- 1898
Full financial profile · Is ChoiceOne Bank safe? · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Sparta, MI (2 branches) | 1 of 2 | 82.1% | $400.0M |
| State: MI (48 branches) | 12 of 95 | 1.2% | $3.61B |
Ranked by total assets among banks headquartered in the state: Largest banks in Michigan.
Share by county and metro area
ChoiceOne Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Kent, MI (7 branches) | 7 of 24 | 3.2% | $807.4M | $25.22B |
| Genesee, MI (8 branches) | 3 of 8 | 14.5% | $791.3M | $5.44B |
| Lapeer, MI (8 branches) | 1 of 7 | 43.2% | $686.0M | $1.59B |
| Muskegon, MI (5 branches) | 4 of 7 | 18.1% | $370.0M | $2.05B |
| St. Clair, MI (3 branches) | 6 of 7 | 7.1% | $198.1M | $2.80B |
| Saginaw, MI (5 branches) | 6 of 10 | 7.5% | $194.2M | $2.59B |
| Newaygo, MI (3 branches) | 1 of 5 | 34.1% | $186.9M | $547.4M |
| Ottawa, MI (2 branches) | 8 of 15 | 2.0% | $120.9M | $6.14B |
| Macomb, MI (1 branch) | 12 of 13 | 0.3% | $64.0M | $20.23B |
| Oakland, MI (1 branch) | 23 of 29 | <0.1% | $58.6M | $74.48B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Detroit-Warren-Dearborn, MI (14 branches) | 12 of 37 | 0.6% | $1.05B | $178.42B |
| Grand Rapids-Kentwood, MI (9 branches) | 9 of 27 | 2.8% | $928.4M | $33.10B |
| Flint, MI (8 branches) | 3 of 8 | 14.5% | $791.3M | $5.44B |
| Muskegon, MI (5 branches) | 4 of 7 | 18.1% | $370.0M | $2.05B |
| Saginaw, MI (5 branches) | 6 of 10 | 7.5% | $194.2M | $2.59B |
| Lansing-East Lansing, MI (2 branches) | 17 of 19 | 0.4% | $49.8M | $12.65B |
| Jackson, MI (2 branches) | 10 of 12 | 1.6% | $39.8M | $2.44B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The State Bank Branch | Fenton, MI | 48430 | $470.6M |
| ChoiceOne Bank (main office) | Sparta, MI | 49345 | $367.8M |
| Lapeer Branch | Lapeer, MI | 48446 | $352.6M |
| Norton Shores Branch | Muskegon, MI | 49441 | $210.0M |
| Grand Blanc North Branch | Grand Blanc, MI | 48439 | $127.7M |
| Grand Rapids - Market | Grand Rapids, MI | 49503 | $98.0M |
| Alpine Branch | Comstock Park, MI | 49321 | $97.7M |
| Rockford - Division Office | Rockford, MI | 49341 | $96.0M |
| Fremont Branch | Fremont, MI | 49412 | $88.6M |
| Linden Branch | Linden, MI | 48451 | $82.8M |
| Coopersville Branch | Coopersville, MI | 49404 | $81.5M |
| Chesaning Township Branch | Chesaning, MI | 48616 | $78.1M |
| Memphis Branch | Memphis, MI | 48041 | $75.0M |
| Capac Branch | Capac, MI | 48014 | $72.1M |
| North Muskegon Branch | North Muskegon, MI | 49445 | $66.8M |
| Kent City Branch | Kent City, MI | 49330 | $64.5M |
| Armada Branch | Armada, MI | 48005 | $64.0M |
| Imlay City Branch | Imlay City, MI | 48444 | $59.6M |
| Grange Hall Road Branch | Village Of Holly, MI | 48442 | $58.6M |
| Southgate Branch | Lapeer, MI | 48446 | $56.8M |
| Newaygo Branch | Newaygo, MI | 49337 | $53.9M |
| Cedar Springs Branch | Cedar Springs, MI | 49319 | $51.2M |
| Yale Branch | Yale, MI | 48097 | $51.0M |
| Thomas Twp. Branch | Saginaw, MI | 48609 | $50.2M |
| Community State Branch | Saint Charles, MI | 48655 | $48.9M |
| Metamora Branch | Metamora, MI | 48455 | $47.8M |
| Attica Branch | Attica, MI | 48412 | $46.6M |
| Montrose Branch | Montrose, MI | 48457 | $46.0M |
| Grant Branch | Grant, MI | 49327 | $44.4M |
| Deerfield Branch | Fostoria, MI | 48435 | $43.3M |
| Elba Branch | Lapeer, MI | 48446 | $42.1M |
| 15095 Silver Parkway Branch | Fenton, MI | 48430 | $41.3M |
| Brighton Branch | Brighton, MI | 48116 | $41.2M |
| Grand Haven Branch | Grand Haven, MI | 49417 | $39.5M |
| Almont Branch | Almont, MI | 48003 | $37.3M |
| Egelston Branch | Muskegon, MI | 49442 | $36.2M |
| Appletree Branch | Sparta, MI | 49345 | $32.2M |
| Ravenna Branch | Ravenna, MI | 49451 | $31.0M |
| Stockbridge Branch | Stockbridge, MI | 49285 | $26.8M |
| Harvey Street Branch | Muskegon, MI | 49444 | $26.0M |
| New Lothrop Branch | New Lothrop, MI | 48460 | $23.0M |
| Grass Lake Branch | Grass Lake, MI | 49240 | $21.2M |
| Fsb of Munith Mo Branch | Munith, MI | 49259 | $18.7M |
| Silver Parkway Branch | Fenton, MI | 48430 | $14.6M |
| Birch Run Branch | Birch Run, MI | 48415 | $12.6M |
| Saginaw St. Grand Blanc | Grand Blanc, MI | 48439 | $8.1M |
| Saginaw Branch | Saginaw, MI | 48607 | $4.4M |
| 615 S. Saginaw Street Branch | Flint, MI | 48502 | $181K |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 1014) · FFIEC NIC profile (RSSD 324340)