BlastPoint's Banking Scorecard
ChoiceOne Bank
Community
Specialty: Commercial
MI
FDIC cert 1014
Sparta, MI
1484
banks in Community tier nationally
28 in MI
View Community leaderboard (MI) →
ChoiceOne Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 37% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.4B
+62.0% YoY
+2.7% QoQ
|
+$3.0B |
$1.4B
+2.0% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
Top 2% in tier |
| Total Loans ? |
$3.0B
+94.9% YoY
+3.9% QoQ
|
+$2.0B |
$975.5M
+2.4% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
Top 3% in tier |
| Total Deposits ? |
$3.6B
+60.0% YoY
+1.0% QoQ
|
+$2.4B |
$1.2B
+1.7% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
0.79%
-27.4% YoY
+35.7% QoQ
|
-0.37% |
1.16%
+17.2% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
3.89%
+23.7% YoY
-0.2% QoQ
|
+0.22% |
3.66%
+9.1% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
65% |
| Efficiency Ratio ? |
64.01%
+6.0% YoY
-5.5% QoQ
|
+1.38% |
62.63%
-5.3% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
0.90%
+274.9% YoY
+49.8% QoQ
|
+0.28% |
0.63%
+18.3% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
83.10%
+21.8% YoY
+2.9% QoQ
|
+0.04% |
83.06%
+0.3% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
25.24%
+1.0% YoY
-0.5% QoQ
|
+4.20% |
21.05%
-0.9% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.67%
+337.1% YoY
+44.3% QoQ
|
+0.17% |
0.50%
+20.3% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
11.45%
-4.3% YoY
-2.1% QoQ
|
+1.21% |
10.24%
-0.6% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.54%
-16.6% YoY
+31.9% QoQ
|
-0.20% |
0.74%
-1.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Margin Compression
decline
#45 of 120 · Bottom 37% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
0.79%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Total Assets
Current: $4.4B · Tier avg: $1.4B
98
98th pctile
Total Deposits
Current: $3.6B · Tier avg: $1.2B
97
97th pctile
Total Loans
Current: $3.0B · Tier avg: $975.5M
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.24% · Tier avg: 21.05%
65
65th pctile
Net Interest Margin
Current: 3.89% · Tier avg: 3.66%
55
55th pctile
Loan-to-Deposit Ratio
Current: 83.10% · Tier avg: 83.06%
53
53th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
44
44th pctile
Efficiency Ratio
Current: 64.01% · Tier avg: 62.63%
41
41th pctile
Tier 1 Capital Ratio
Current: 11.45% · Tier avg: 10.24%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.50%
28
28th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.63%
24
24th pctile
Return on Assets
Current: 0.79% · Tier avg: 1.16%
Top Weaknesses
24
24th pctile
Return on Assets
Current: 0.79% · Tier avg: 1.16%
28
28th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.63%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.50%
41
41th pctile
Tier 1 Capital Ratio
Current: 11.45% · Tier avg: 10.24%
44
44th pctile
Efficiency Ratio
Current: 64.01% · Tier avg: 62.63%
53
53th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
55
55th pctile
Loan-to-Deposit Ratio
Current: 83.10% · Tier avg: 83.06%
65
65th pctile
Net Interest Margin
Current: 3.89% · Tier avg: 3.66%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.24% · Tier avg: 21.05%
97
97th pctile
Total Loans
Current: $3.0B · Tier avg: $975.5M
98
98th pctile
Total Deposits
Current: $3.6B · Tier avg: $1.2B
98
98th pctile
Total Assets
Current: $4.4B · Tier avg: $1.4B