ChoiceOne Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 10.86 percentage points in Q2 2026, from 123.30% to 112.44%. It was the largest change from Q1 2026 among the key lines here. Within Michigan, ChoiceOne Bank is 39th of 72 on return on assets, 1.18% as of Q2 2026. The median for banks in the $1B-10B asset tier is 1.27% on return on assets. ChoiceOne Bank sits 0.09 points lower, at 1.18% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.81% |
| Tier 1 risk-based capital ratio | 11.81% |
| Total risk-based capital ratio | 12.92% |
| Tier 1 leverage ratio | 9.30% |
| Equity capital to assets | 11.67% |
| Tangible equity to tangible assets | 8.42% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.03% |
| Non-performing assets ratio | 0.76% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 7.44% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 112.44% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.18% |
| Return on equity | 10.13% |
| Net interest margin | 3.66% |
| Efficiency ratio | 54.60% |
| Yield on earning assets | 5.28% |
| Cost of funds | 1.72% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.27% |
| Core deposits to total deposits | 89.03% |
| Brokered deposits to total deposits | 2.58% |
| Deposits to assets | 81.02% |
| Securities to assets | 21.23% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.02% | 12.02% | 12.68% | 8.32% | 0.86% |
| Q4 2023 | 11.77% | 11.77% | 12.43% | 8.39% | 0.88% |
| Q1 2024 | 11.83% | 11.83% | 12.59% | 8.34% | 0.91% |
| Q2 2024 | 12.50% | 12.50% | 13.25% | 8.76% | 1.06% |
| Q3 2024 | 12.32% | 12.32% | 13.06% | 8.85% | 1.23% |
| Q4 2024 | 11.96% | 11.96% | 12.67% | 8.89% | 1.14% |
| Q1 2025 | 10.89% | 10.89% | 11.94% | 11.34% | -1.44% |
| Q2 2025 | 11.30% | 11.30% | 12.35% | 8.90% | 1.31% |
| Q3 2025 | 11.69% | 11.69% | 12.76% | 9.09% | 1.39% |
| Q4 2025 | 11.45% | 11.45% | 12.49% | 9.09% | 1.34% |
| Q1 2026 | 11.77% | 11.77% | 12.89% | 9.17% | 1.30% |
| Q2 2026 | 11.81% | 11.81% | 12.92% | 9.30% | 1.18% |
ChoiceOne Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock ChoiceOne Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)