MI lenders / Community Bank
ChoiceOne Bank
Community Bank · Sparta, MI · Choiceone Finl Services Inc
- Total assets
- $4.4B
- CRE loan book
- $1.7B
- QoQ CRE growth
- -1.9%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.98% as of Q1 2026 — TX bank median 4.87% (1.11pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.98% | 6.06% |
| Q4 2025 | 6.15% | 6.27% |
| Q3 2025 | 6.22% | 6.45% |
| Q2 2025 | 6.12% | 6.36% |
| Q1 2025 | 5.57% | 5.83% |
| Q4 2024 | 5.93% | 6.16% |
| Q3 2024 | 6.03% | 6.30% |
| Q2 2024 | 5.80% | 6.13% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $1.7B | $117.3M | $135.6M | 269% | $8.0M |
| Q4 2025 | $1.7B | $120.0M | $150.4M | 285% | $8.0M |
| Q3 2025 | $1.7B | $111.7M | $154.1M | 280% | $1.2M |
| Q2 2025 | $1.7B | $102.8M | $156.3M | 291% | $2.0M |
| Q1 2025 | $1.7B | $103.8M | $174.4M | 304% | $1.0M |
| Q4 2024 | $889.2M | $92.4M | $83.8M | 225% | $229,000 |
| Q3 2024 | $850.9M | $89.2M | $84.5M | 222% | $229,000 |
| Q2 2024 | $798.8M | $125.4M | $57.9M | 209% | $356,000 |
Signals
Recent news
- ChoiceOne Financial (NASDAQ: COFS) swings to $26M profit on higher net interest - Stock Titan — Coverage of ChoiceOne Bank related to earnings reported by stocktitan.net.Aug 10, 2026
- COFS|ChoiceOne Financial Services Inc|Price:34.080|Chg%:-0.280 - TradingKey — Coverage of ChoiceOne Bank related to commercial real estate and lending reported by tradingkey.com.Jul 26, 2026
Similar lenders
Other community banks we track with a comparable CRE book size.
- Home Bank, National AssociationCommunity Bank · Lafayette · $1.7B CRE book
- Broadway National BankCommunity Bank · San Antonio · $1.7B CRE book
- WestStar BankCommunity Bank · El Paso · $1.8B CRE book
- Farmers & Merchants Bank of Central CaliforniaCommunity Bank · Lodi · $1.6B CRE book
- Bank Five NineCommunity Bank · Oconomowoc · $1.6B CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.