ChoiceOne Bank
Sparta, MI
IDRSSD: 324340
Total Assets
$4.41B
Latest filing
Total Deposits
$3.60B
Latest filing
Net Interest Margin
3.83%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
072408436SPARTA, MI
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
ChoiceOne Bank
109 E Division St
Sparta, MI 49345
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1898FDIC Certificate 672
Branches (50)
Page 1 of 8| Name | Address | City / State |
|---|---|---|
| ChoiceOne Bank (Main) | 109 E Division St | Sparta, MI |
| COMMUNITY STATE BRANCH | 207 S Saginaw St | Saint Charles, MI |
| KENT CITY BRANCH | 450 W Muskegon St | Kent City, MI |
| YALE BRANCH | 3 N Main St | Yale, MI |
| MEMPHIS BRANCH | 81111 Main St | Memphis, MI |
| APPLETREE BRANCH | 416 West Division Street | Sparta, MI |
| CEDAR SPRINGS BRANCH | 4170 17 Mile Rd Ne | Cedar Springs, MI |
| ALPINE BRANCH | 5050 Alpine Ave Nw | Comstock Park, MI |
Showing 7 of 50
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1898 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 49345 |
| State and County Number | 26081 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Grand Rapids-Kentwood, MI |
Operational Info
| Number of Employees | 573 |
| Domestic Offices | 51 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 03/15/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.choiceone.bank |
| Data Updated | 01/30/2026 |
| CERT | 1014 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $4.41B |
| Total Deposits | $3.60B |
| Total Liabilities | $3.90B |
| Total Equity Capital | $506.68M |
| Net Income | $14.59M |
| Net Loans and Leases | $2.99B |
| Assets Per Employee ($Millions) | $7.75M |
| Bank Premises and Fixed Assets | $48.32M |
| Cash and Balances due from Depository Institutions | $87.97M |
| Deposits Held in Domestic Offices | $3.60B |
Key Performance Ratios
| Return on Assets (ROA) | 1.34% |
| Return on Equity (ROE) | 11.69% |
| Net Interest Margin | 3.83% |
| Efficiency Ratio | 53.85% |
| Tier 1 Risk-Based Capital Ratio | 11.449% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.496% |
| Earning Assets to total Assets | 90.11% |
Income and Expense
| Total Interest Income | $54.35M |
| Total Noninterest Income | $6.24M |
| Total Interest Expense | $16.86M |
| Total Noninterest Expense | $25.24M |
| Net Interest Income | $37.50M |
| Pre-tax Net Operating Income | $17.70M |
| Provision for Credit Losses | $800.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $2.52M |
| Other borrowed funds | $264.79M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $33.62M |
| Total Liabilities and Capital | $4.41B |
Securities
| Securities | $946.05M |
| Available-for-sale debt securities | $554.42M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $385.19M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of ChoiceOne Bank?
$4.41B as of the latest filing.
How much are ChoiceOne Bank's total deposits?
$3.60B in total deposits.
Where is ChoiceOne Bank located?
Sparta, MI.
What is the Net Interest Margin?
3.83%.
How many domestic offices does it operate?
51.
When was it established?
01/01/1898.
What is the Return on Assets (ROA)?
1.34%.
How much are total loans and leases?
$2.99B (latest filing).
What is the total interest income (latest filing)?
$54.35M.