ChoiceOne Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks ChoiceOne Bank of Sparta, MI against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.18% | 1.34% | -0.16% | 41st below |
| ROAE | 10.13% | 12.40% | -2.27% | 32nd below |
| Net Interest Margin | 3.66% | 3.83% | -0.17% | 46th below |
| Efficiency Ratio | 54.60% | 57.84% | -3.24% | 60th above |
| PPNR / Avg Assets | 1.65% | — | — | 44th below |
| Yield on Earning Assets | 5.28% | 5.71% | -0.43% | 34th below |
| Cost of Funds | 1.72% | 2.02% | -0.30% | 67th above |
| Net Interest Spread | 3.03% | — | — | 46th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.03% | 1.00% | +0.03% | 31st below |
| NPA / Total Assets | 0.76% | — | — | 35th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.43% | -0.39% | 44th below |
| ACL / Total Loans | 1.16% | — | — | 51st above |
| ACL / NPLs (Coverage) | 112.44% | — | — | 35th below |
| Texas Ratio | 7.44% | 5.47% | +1.97% | 24th bottom |
| Provision / NCO | 151.93% | — | — | 46th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.81% | 14.99% | -3.18% | 20th bottom |
| Tier 1 Ratio | 11.81% | 15.02% | -3.21% | 19th bottom |
| Total Capital Ratio | 12.92% | — | — | 20th bottom |
| Leverage Ratio | 9.30% | 11.11% | -1.81% | 18th bottom |
| Equity / Assets | 11.67% | 11.02% | +0.65% | 71st above |
| TCE / Tangible Assets | 8.42% | — | — | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.27% | 86.99% | -1.72% | 58th above |
| Core Deposit Ratio | 89.03% | 85.57% | +3.46% | 54th above |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 33.04% | 33.19% | -0.15% | 44th below |
| Wholesale Funding Ratio | 6.62% | — | — | 31st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.45% | — | — | 36th below |
| Loan Growth (Y/Y) | 5.06% | — | — | 46th below |
| Deposit Growth (Y/Y) | 0.39% | — | — | 20th bottom |
See ChoiceOne Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock ChoiceOne Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full ChoiceOne Bank profile, how to read a UBPR, or how this data updates.