Total Assets
$4.5B
Total Deposits
$3.6B
Branches
51
Established
1898
ChoiceOne Bank is a bank headquartered in Sparta, Michigan, established in 1898. It holds $4.5B in total assets across 51 branch locations. In our editorial opinion, based on public FDIC/NCUA data, ChoiceOne Bank earns a TFS Financial Health Grade of B- (76.7/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
76.7 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| ChoiceOne BankHQ | 109 E Division St | Sparta | MI | 11 |
| ChoiceOne Bank | 5515 Van Dyke Rd | Almont | MI | 11 |
| ChoiceOne Bank | 72890 North Ave | Armada | MI | 11 |
| ChoiceOne Bank | 4515 Imlay City Rd | Attica | MI | 11 |
| ChoiceOne Bank | 8412 Main St | Birch Run | MI | 11 |
| ChoiceOne Bank | 134 N 1st St | Brighton | MI | 11 |
| ChoiceOne Bank | 206 N Main St | Capac | MI | 11 |
| ChoiceOne Bank | 4170 17 Mile Rd Ne | Cedar Springs | MI | 11 |
| ChoiceOne Bank | 12771 Brady Rd | Chesaning | MI | 11 |
| ChoiceOne Bank | 5050 Alpine Ave Nw | Comstock Park | MI | 11 |
| ChoiceOne Bank | 661 W Randall St | Coopersville | MI | 11 |
| ChoiceOne Bank | 31000 Northwestern Hwy | Farmington Hills | MI | 11 |
| ChoiceOne Bank | 15095 Silver Pkwy | Fenton | MI | 11 |
| ChoiceOne Bank | 101 N Leroy St | Fenton | MI | 24 |
| ChoiceOne Bank | 175 N Leroy St | Fenton | MI | 11 |
| ChoiceOne Bank | 18005 Silver Pkwy | Fenton | MI | 12 |
| ChoiceOne Bank | 615 S. Saginaw Street | Flint | MI | 11 |
| ChoiceOne Bank | 30 West Burnside Road (m-24) | Fostoria | MI | 11 |
| ChoiceOne Bank | 1423 W Main St | Fremont | MI | 11 |
| ChoiceOne Bank | 7606 S Saginaw St | Grand Blanc | MI | 11 |
| ChoiceOne Bank | 1401 E Hill Rd | Grand Blanc | MI | 11 |
| ChoiceOne Bank | 1120 S Beacon Blvd | Grand Haven | MI | 11 |
| ChoiceOne Bank | 330 Market Ave Sw | Grand Rapids | MI | 11 |
| ChoiceOne Bank | 10 W Main St | Grant | MI | 11 |
| ChoiceOne Bank | 12005 E Michigan Ave | Grass Lake | MI | 11 |
| ChoiceOne Bank | 1875 S Cedar St | Imlay City | MI | 11 |
| ChoiceOne Bank | 450 W Muskegon St | Kent City | MI | 11 |
| ChoiceOne Bank | 83 W Nepessing St | Lapeer | MI | 11 |
| ChoiceOne Bank | 5508 Davison Rd | Lapeer | MI | 11 |
| ChoiceOne Bank | 637 S Main St | Lapeer | MI | 11 |
| ChoiceOne Bank | 107 North Main Street | Linden | MI | 11 |
| ChoiceOne Bank | 81111 Main St | Memphis | MI | 11 |
| ChoiceOne Bank | 950 W Dryden Rd | Metamora | MI | 11 |
| ChoiceOne Bank | 201 W State St | Montrose | MI | 11 |
| ChoiceOne Bank | 201 N Main St | Munith | MI | 11 |
| ChoiceOne Bank | 5797 Harvey St | Muskegon | MI | 11 |
| ChoiceOne Bank | 1030 W Norton Ave | Muskegon | MI | 11 |
| ChoiceOne Bank | 5475 E Apple Ave | Muskegon | MI | 11 |
| ChoiceOne Bank | 246 W River Valley Dr | Newaygo | MI | 11 |
| ChoiceOne Bank | 9380 Genesee St | New Lothrop | MI | 11 |
| ChoiceOne Bank | 180 N Causeway St | North Muskegon | MI | 11 |
| ChoiceOne Bank | 3069 S Slocum Rd | Ravenna | MI | 11 |
| ChoiceOne Bank | 590 E Division St | Rockford | MI | 11 |
| ChoiceOne Bank | 11699 Northland Dr Ne | Rockford | MI | 28 |
| ChoiceOne Bank | 7590 Gratiot Rd | Saginaw | MI | 11 |
| ChoiceOne Bank | 218 S Washington Ave | Saginaw | MI | 11 |
| ChoiceOne Bank | 207 S Saginaw St | Saint Charles | MI | 11 |
| ChoiceOne Bank | 416 West Division Street | Sparta | MI | 11 |
| ChoiceOne Bank | 5101 S M 106 | Stockbridge | MI | 11 |
| ChoiceOne Bank | 4043 Grange Hall Road | Village Of Holly | MI | 11 |
Showing 50 of 51 branches
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
76.7
Tier 1 capital ratio
9.30%
Return on assets
1.24%
Non-performing loans
1.00%
Efficiency ratio
55.18%
Asset growth (YoY)
3.45%
Suggested direct comparisons
Dearborn, MI
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.