Call reports 2026
CHOICEONE BANK — 2026
What CHOICEONE BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 4,391,138,000 | 4,453,559,000 |
| Total loans | 2,993,273,000 | 3,076,614,000 |
| Allowance for loan losses | 35,496,000 | 35,738,000 |
| Securities available for sale | 573,531,000 | 555,571,000 |
| Securities held to maturity | 384,339,000 | 383,345,000 |
| Trading assets | 0 | 0 |
| Total deposits | 3,671,307,000 | 3,608,257,000 |
| Interest-bearing deposits | 2,754,546,000 | 2,657,889,000 |
| Noninterest-bearing deposits | 916,761,000 | 950,368,000 |
| Equity capital | 509,156,000 | 519,562,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 53,265,000 | 107,201,000 |
| Interest expense | 15,972,000 | 32,553,000 |
| Net interest income | 37,293,000 | 74,648,000 |
| Noninterest income | 5,976,000 | 12,774,000 |
| Noninterest expense | 25,600,000 | 51,498,000 |
| Provision for loan losses | 0 | 550,000 |
| Pretax income | 17,432,000 | 33,182,000 |
| Income tax | 3,136,000 | 5,861,000 |
| Net income | 14,296,000 | 27,321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 388,965,000 | 395,579,000 |
| Total capital | 425,808,000 | 432,664,000 |
| Risk-weighted assets | 3,303,940,000 | 3,350,048,000 |