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ChoiceOne Bank
Sparta, MI·FDIC Cert #1014·Charter: STATE·Est. 18980101.0·HC: CHOICEONE FINL SERVICES INC
Total Assets
$4.4B
Q4 2025
Return on Assets
0.79%
+0.21%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
64.01%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
54
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.79%+0.21
ROE
7.17%+1.82
Efficiency
64.01%-3.70
Equity/Assets
0.00%+0.00
NPL Ratio
0.90%+0.30
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
83.10%+2.35
Charge-offs
0.04%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 1.0 | 1.1 | 1.1 | -1.4 | 0.1 | 0.6 | 0.8 |
| ROE | 10.7 | 11.3 | 12.1 | 12.2 | -13.1 | 1.0 | 5.3 | 7.2 |
| Efficiency | 64.0 | 62.4 | 60.6 | 60.4 | 105.1 | 75.8 | 67.7 | 64.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.1 | 0.2 | 0.2 | 0.6 | 0.6 | 0.6 | 0.9 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 64.1 | 67.0 | 66.5 | 68.2 | 79.2 | 80.5 | 80.8 | 83.1 |
Balance Sheet
Total Assets$4.4B
Total Deposits$3.6B
Total Loans$3.0B
Total Equity$506.7M
Profitability
ROA0.79%
ROE7.17%
Efficiency Ratio64.01%
Net Income$31.6M
Risk & Asset Quality
NPL Ratio0.90%
Charge-off Rate0.04%
Loan/Deposit83.10%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans