Choiceone Bank (FDIC #1014): Bank Stress & Real-Estate Credit Exposure
Choiceone Bank (FDIC Cert #1014): bank stress 60/100, elevated, STABLE over 7 days; parent CHOICEONE FINL SERVICES INC.
Choiceone Bank (#1014) lends in 14 counties across 1 state; Choiceone Bank (#1014) reaches 344 ZIP codes: Michigan 14 counties, 344 ZIPs.
Choiceone Bank (#1014) largest markets: Oakland County, MI (71 branches, 71 ZIPs) (#1014), Macomb County, MI (39 branches, 39 ZIPs) (#1014), Kent County, MI (273 branches, 39 ZIPs) (#1014), Genesee County, MI (272 branches, 34 ZIPs) (#1014), Jackson County, MI (58 branches, 29 ZIPs) (#1014), Saginaw County, MI (140 branches, 28 ZIPs) (#1014).
Choiceone Bank (#1014) reports $4.45 billion in total assets; Choiceone Bank (#1014) equity $519.6 million (11.7% of Choiceone Bank (#1014) assets); Choiceone Bank (#1014) domestic deposits $3.61 billion; Choiceone Bank (#1014) net income $27.3 million; Choiceone Bank (#1014) return on assets 1.24%; Choiceone Bank (#1014) return on equity 10.68%; Choiceone Bank (#1014) net interest income $74.6 million; Choiceone Bank (#1014) call report June 30, 2026.
Choiceone Bank (#1014) noncurrent real-estate loans: none reported; Choiceone Bank (#1014) net charge-offs on real estate 0.97%; Choiceone Bank (#1014) residential charge-offs 0.87%.
Choiceone Bank (#1014) net interest margin 3.75% against an eight-quarter Choiceone Bank (#1014) average of 3.59% (Choiceone Bank (#1014) compression -0.16 points); Choiceone Bank (#1014) real-estate loans 0.1% of equity; Choiceone Bank (#1014) non-residential real estate 87.5% of equity; Choiceone Bank (#1014) rate-exposure score 40/100, Choiceone Bank (#1014) fixed-rate trap 40/100; Choiceone Bank (#1014) risk type credit driven; Choiceone Bank (#1014) rate regime rates elevated, Choiceone Bank (#1014) snapshot October 19, 2026.
Choiceone Bank (#1014) stress score moved from 57.4 on June 22, 2026 to 59.9 on October 19, 2026; Choiceone Bank (#1014) ranged 57.4 to 59.9 over 116 snapshots.
Choiceone Bank (#1014) alerts: 14 counties; top Choiceone Bank (#1014) alert scores: Newaygo County, MI 44 (moderate); Armada County, MI 22 (low); Brighton County, MI 22 (low); Grand Haven County, MI 22 (low); Holly County, MI 22 (low).