MyFinsight

HomeBlogAbout

MyFinsight

Making company financials insightful for everyone

  • About
  • Blog
  • Privacy Policy
  • Contact

Follow Us

  • X.com
  • Thread
  • Instagram

© 2026 MyFinsight. All rights reserved.

|||

Balance Sheets Overview

Debt to Asset Ratio
89.17%
Unit: Thousand (K) dollars
Assets Breakdown
    • Core loans (note 3)
    • Securities held to maturity, at ...
    • Goodwill
    • Others
Liabilities Breakdown
    • Deposits -- interest-bearing
    • Deposits - noninterest - bearing
    • Savings deposits (note 9)
    • Others
Balance Sheets
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Cash and due from banks
88,299
83,868
87,638
97,885
Time deposits in other financial institutions
350
350
350
1,093
Cash and cash equivalents
88,649
84,218
87,988
98,978
Equity securities, at fair value (note 2)
9,497
9,425
9,353
9,505
Securities available for sale, at fair value (note 2)
555,571
573,531
554,420
544,023
Securities held to maturity, at amortized cost (note 2)
383,345
384,339
385,193
388,517
Federal home loan bank stock
15,823
18,562
18,562
18,562
Federal reserve bank stock
12,554
12,554
12,554
12,554
Loans held for sale
3,833
9,976
7,185
6,323
Loans to other financial institutions (note 3)
-
-
-
2,483
Mortgage warehouse advances (note 3)
53,535
51,187
58,987
-
Core loans (note 3)
3,019,246
2,932,110
2,963,047
2,907,445
Total loans held for investment (note 3)
3,072,781
2,983,297
3,022,034
2,909,928
Allowance for credit losses (note 3)
35,738
35,496
35,550
34,754
Loans, net
3,037,043
2,947,801
2,986,484
2,875,174
Premises and equipment, gross
-
-
80,437
-
Accumulated depreciation
-
-
32,327
-
Premises and equipment, net
50,383
48,670
48,110
46,159
Other real estate owned, net
1,869
2,285
2,524
2,575
Cash value of life insurance policies
87,011
86,305
74,798
74,231
Goodwill
129,854
129,854
129,854
126,730
Intangible assets
27,888
29,464
31,149
31,694
Other assets
53,569
57,581
62,377
61,877
Total assets
4,456,889
4,394,565
4,410,551
4,296,902
Deposits - noninterest - bearing
943,943
912,845
907,007
903,925
Deposits -- interest-bearing
1,356,540
1,428,338
1,364,887
1,395,724
Savings deposits (note 9)
620,525
624,084
607,045
588,798
Certificates of deposit (note 9)
587,596
598,743
616,180
605,912
Brokered deposits
93,228
103,381
104,906
72,672
Total deposits
3,601,832
3,667,391
3,600,025
3,567,031
Borrowings
294,850
184,819
264,788
197,752
Subordinated debentures
48,646
48,552
48,460
48,368
Other liabilities
28,882
23,802
31,925
34,136
Total liabilities
3,974,210
3,924,564
3,945,198
3,847,287
Preferred stock shares authorized 100,000 shares outstanding none
0
0
0
0
Common stock and paid-in capital, no par value shares authorized 30,000,000 shares outstanding 14,950,472 at june 30, 2026 and 15,000,939 at december 31, 2025
396,681
397,498
398,386
398,688
Retained earnings
120,135
112,008
102,641
93,124
Accumulated other comprehensive loss, net
-34,137
-39,505
-35,674
-42,197
Total shareholders equity
482,679
470,001
465,353
449,615
Total liabilities and shareholders equity
4,456,889
4,394,565
4,410,551
4,296,902
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Balance Sheets

Core loans (note 3)$3,019,246K (3.48%↑ Y/Y)Mortgage warehouseadvances (note 3)$53,535K Total loans held forinvestment (note 3)$3,072,781K (5.20%↑ Y/Y)Cash and due frombanks$88,299K (-43.01%↓ Y/Y)Time deposits inother financial...$350K (-73.76%↓ Y/Y)Loans, net$3,037,043K (5.23%↑ Y/Y)Securities available forsale, at fair value...$555,571K (15.88%↑ Y/Y)Securities held tomaturity, at amortized...$383,345K (-1.82%↓ Y/Y)Goodwill$129,854K (2.47%↑ Y/Y)Cash and cashequivalents$88,649K (-43.28%↓ Y/Y)Cash value of lifeinsurance policies$87,011K (18.10%↑ Y/Y)Other assets$53,569K (-21.03%↓ Y/Y)Premises and equipment,net$50,383K (10.33%↑ Y/Y)Intangible assets$27,888K (-16.56%↓ Y/Y)Federal home loan bankstock$15,823K (-14.76%↓ Y/Y)Federal reserve bankstock$12,554K (0.06%↑ Y/Y)Equity securities, atfair value (note 2)$9,497K (-0.89%↓ Y/Y)Loans held for sale$3,833K (-49.82%↓ Y/Y)Other real estateowned, net$1,869K (-23.46%↓ Y/Y)Allowance for creditlosses (note 3)$35,738K (2.70%↑ Y/Y)Total assets$4,456,889K (3.40%↑ Y/Y)Total liabilities andshareholders equity$4,456,889K (3.40%↑ Y/Y)Total liabilities$3,974,210K (2.47%↑ Y/Y)Total shareholdersequity$482,679K (11.79%↑ Y/Y)Accumulated othercomprehensive loss, net-$34,137K (30.46%↑ Y/Y)Total deposits$3,601,832K (0.26%↑ Y/Y)Borrowings$294,850K (48.59%↑ Y/Y)Subordinated debentures$48,646K (0.76%↑ Y/Y)Other liabilities$28,882K (-26.25%↓ Y/Y)Common stock andpaid-in capital, no par...$396,681K (-0.38%↓ Y/Y)Retained earnings$120,135K (45.36%↑ Y/Y)Deposits --interest-bearing$1,356,540K (-46.65%↓ Y/Y)Deposits - noninterest -bearing$943,943K (0.01%↑ Y/Y)Savings deposits (note9)$620,525K Certificates of deposit (note9)$587,596K Brokered deposits$93,228K (-12.24%↓ Y/Y)

CHOICEONE FINANCIAL SERVICES INC (COFS)

CHOICEONE FINANCIAL SERVICES INC (COFS)