Choiceone Bank is a bank based in Sparta, Michigan, established in 1898, with $4.4 billion in total assets across 51 branches. By Trust Grade it ranks 1st of 73 banks we track in Michigan. Its capital ratio of 11.6% is stronger than 72% of similarly sized banks, versus a Michigan median of 9.6%. It was profitable over the most recent period, with a 1.30% return on assets. No consumer complaints against Choiceone Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Choiceone Bank compares to Michigan peers
How we graded Choiceone Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.6% capital ratio)
- Strongly profitable (ROA 1.30%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Choiceone Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (51)
- 207 S Saginaw St, Saint Charles, MI 48655
- 450 W Muskegon St, Kent City, MI 49330
- 3 N Main St, Yale, MI 48097
- 81111 Main St, Memphis, MI 48041
- 416 West Division Street, Sparta, MI 49345
- 4170 17 Mile Rd Ne, Cedar Springs, MI 49319
- 5050 Alpine Ave Nw, Comstock Park, MI 49321
- 3069 S Slocum Rd, Ravenna, MI 49451
- 5475 E Apple Ave, Muskegon, MI 49442
- 246 W River Valley Dr, Newaygo, MI 49337
- 107 North Main Street, Linden, MI 48451
- 4043 Grange Hall Road, Village Of Holly, MI 48442
- 18005 Silver Pkwy, Fenton, MI 48430
- 72890 North Ave, Armada, MI 48005
- 5508 Davison Rd, Lapeer, MI 48446
- 637 S Main St, Lapeer, MI 48446
- 4515 Imlay City Rd, Attica, MI 48412
- 950 W Dryden Rd, Metamora, MI 48455
- 30 West Burnside Road (M-24), Fostoria, MI 48435
- 5101 S M 106, Stockbridge, MI 49285
- 12005 E Michigan Ave, Grass Lake, MI 49240
- 7590 Gratiot Rd, Saginaw, MI 48609
- 12771 Brady Rd, Chesaning, MI 48616
- 661 W Randall St, Coopersville, MI 49404
- 1875 S Cedar St, Imlay City, MI 48444
- 1423 W Main St, Fremont, MI 49412
- 7606 S Saginaw St, Grand Blanc, MI 48439
- 15095 Silver Pkwy, Fenton, MI 48430
- 11699 Northland Dr Ne, Rockford, MI 49341
- 10 W Main St, Grant, MI 49327
- 8412 Main St, Birch Run, MI 48415
- 1401 E Hill Rd, Grand Blanc, MI 48439
- 5797 Harvey St, Muskegon, MI 49444
- 180 N Causeway St, North Muskegon, MI 49445
- 9380 Genesee St, New Lothrop, MI 48460
- 1120 S Beacon Blvd, Grand Haven, MI 49417
- 134 N 1st St, Brighton, MI 48116
- 5515 Van Dyke Rd, Almont, MI 48003
- 101 N Leroy St, Fenton, MI 48430
- 330 Market Ave Sw, Grand Rapids, MI 49503
Are deposits at Choiceone Bank insured?
Yes. Choiceone Bank is an FDIC-insured bank (FDIC certificate #1014). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Choiceone Bank: frequently asked questions
Is Choiceone Bank a good bank?
Choiceone Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (11.6% capital ratio); Strongly profitable (ROA 1.30%).
Is Choiceone Bank FDIC-insured?
Yes. Choiceone Bank is a FDIC-insured bank (FDIC certificate #1014). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Choiceone Bank?
Choiceone Bank holds $4.4 billion in total assets, ranking 1st of 73 banks we track in Michigan. It operates 51 branches.
Does Choiceone Bank have CFPB complaints?
No CFPB complaints against Choiceone Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
