Choiceone Financial Services Inc

ChoiceOne Financial Services, Inc. is a financial holding company with more than $4 billion in assets and the parent of ChoiceOne Bank, an FDIC-member community bank. The bank operates 54 offices across West, Central and Southeast Michigan. It earns most of its revenue from net interest income on a loan portfolio of about $3.1 billion held for investment, spanning agricultural, commercial and industrial, commercial real estate, consumer, construction and residential real estate loans. It also provides mortgage warehouse advances. Loans are funded mainly by roughly $3.6 billion of relationship-based (non-brokered) deposits, including significant municipal balances. Fee income comes from customer service charges, interchange, trust services, mortgage loan sales, bank-owned life insurance, and insurance and investment commissions through its subsidiary ChoiceOne Insurance Agencies, Inc. The company expanded significantly through its first-quarter 2025 acquisition of Fentura Financial, Inc., and purchased-loan accretion from that deal continues to support interest income. Its common stock trades on the Nasdaq Capital Market under the symbol COFS. Updated Oct 30, 2026