| Metric | ChoiceOne Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +5.5% | -2.0 pts |
| Deposit growth (YoY) | +0.4% | +5.1% | -4.7 pts |
| Loan growth (YoY) | +5.1% | +5.9% | -0.8 pts |
| ROA | 1.24% | 1.26% | -0.0 pts |
| ROE | 10.7% | 12.2% | -1.5 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.45B | $3.61B | $3.04B | $519.6M | $27.3M | 1.24% | 3.75% | 0.74% |
| Q1 2026 | $4.39B | $3.67B | $2.96B | $509.2M | $14.3M | 1.30% | 3.76% | 0.69% |
| Q4 2025 | $4.41B | $3.60B | $2.99B | $506.7M | $31.6M | 0.79% | 3.89% | 0.67% |
| Q3 2025 | $4.29B | $3.57B | $2.88B | $491.7M | $17.1M | 0.58% | 3.89% | 0.47% |
| Q2 2025 | $4.31B | $3.59B | $2.89B | $477.7M | $2.1M | 0.11% | 3.78% | 0.45% |
| Q1 2025 | $4.30B | $3.66B | $2.89B | $473.7M | $-12.0M | -1.36% | 3.40% | 0.45% |
| Q4 2024 | $2.72B | $2.25B | $1.54B | $256.2M | $29.0M | 1.09% | 3.14% | 0.15% |
| Q3 2024 | $2.72B | $2.25B | $1.49B | $244.5M | $21.2M | 1.07% | 3.12% | 0.11% |
Loan mix (Q2 2026): real estate $2.58B · commercial $384.4M · consumer $26.2M · securities $945.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | ChoiceOne Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.26% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 12.2% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.2% | 59.0% | 38th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | ChoiceOne Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | ChoiceOne Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | ChoiceOne Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | ChoiceOne Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.