ChoiceOne Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Other borrowed money: 59.5% higher than in Q1 2026, at $294.9M. Within Michigan, ChoiceOne Bank is 37th of 72 on loan-to-deposit ratio, 85.27% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. ChoiceOne Bank sits 2.94 points lower, at 85.27% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $88.6M |
| Cash and noninterest-bearing balances to assets | 1.99% |
| Cash and securities | $1.03B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $294.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.62% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.27% |
| Net loans and leases to deposits | 84.28% |
| Loans and leases to core deposits | 93.07% |
| Core deposits to total deposits | 89.03% |
| Brokered deposits to total deposits | 2.58% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 61.32% | 88.98% | $0 | $180.0M |
| Q4 2023 | 66.32% | 89.72% | $0 | $200.0M |
| Q1 2024 | 64.81% | 88.78% | $0 | $210.0M |
| Q2 2024 | 67.72% | 89.56% | $0 | $210.0M |
| Q3 2024 | 67.25% | 90.67% | $0 | $210.0M |
| Q4 2024 | 68.96% | 89.06% | $0 | $175.0M |
| Q1 2025 | 80.10% | 89.06% | $0 | $129.6M |
| Q2 2025 | 81.48% | 88.44% | $0 | $194.7M |
| Q3 2025 | 81.72% | 89.42% | $0 | $197.8M |
| Q4 2025 | 84.09% | 88.17% | $0 | $264.8M |
| Q1 2026 | 81.53% | 88.69% | $0 | $184.8M |
| Q2 2026 | 85.27% | 89.03% | $0 | $294.9M |
ChoiceOne Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock ChoiceOne Bank, freeSource: Call Report Schedules RC and RC-M, 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)