ChoiceOne Bank

BankSparta, Michigan
WWW.CHOICEONE.BANK

Total Assets

$4.4B

Total Deposits

$3.6B

Branches

51

Established

1898

TFS Health Grade

$
D

64.0 / 100

Below average financial health

How we grade

ChoiceOne Bank is a bank headquartered in Sparta, Michigan, established in 1898. With $4.4B in total assets and 51 branch locations, it has a TFS Financial Health Grade of D (64.0/100).

Capital & Safety

Tier 1 Capital Ratio
9.09%(8%)
Total Capital Ratio
12.49%(10%)
Non-Performing Loan Ratio
0.89%

Profitability

Return on Assets (ROA)
0.79%(1%)
Return on Equity (ROE)
7.17%(10%)
Net Interest Margin
3.89%
Efficiency Ratio
64.01%(60%)

Lending & Liquidity

Total Loans
$3.0B
Loan-to-Deposit Ratio
83.10%
Net Charge-Off Ratio
0.04%

Growth

Asset Growth (YoY)
+62.01%
Deposit Growth (YoY)
+59.97%
Net Income
$31.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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