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BDI
CB

ChoiceOne Bank

Sparta, MichiganFDIC Cert #1014

STATEEstablished 189851 branches

Holding company: CHOICEONE FINL SERVICES INCRegulator: FED

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$563M
Investor CRE$892M
Multifamily$136M
Construction$117M
1–4 family$794M
C&I$352M
Agriculture$50.6M
Other$88.7M

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$2.99B
+2.2%y/y
Percentile by value39th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNLSGR
Net loans
$2.96B
+2.2%y/y
Percentile by value39th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNLSNET
Loans YoY
+2.19%
−97.9%y/y
Percentile by value28th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNLSNET
L/D
80.6%
+1.8%y/y
Percentile by value34th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNLSNET + DEP
Loans/assets
67.4%
+0.1%y/y
Percentile by value31st percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNLSNET + ASSET
RE loans %
88.67%
−2.2%y/y
Percentile by value73rd percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
269%
−11.5%y/y
Percentile by value66th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
28%
+4.0%y/y
Percentile by value30th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
2,138points
−3.0%y/y
Peer standing40th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
18.81%
+5.4%y/y
Percentile by value89th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNRENROW + LNLSGR
Investor CRE %
29.80%
−4.4%y/y
Percentile by value79th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNRENROT + LNLSGR
C&I %
11.75%
+4.5%y/y
Percentile by value44th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNCI + LNLSGR