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Institution profile

ChoiceOne Bank

Bank · Active · Headquarters: Sparta, MI

Profile data observed August 5, 2026

Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology

Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.

FDIC BankFind baseline

FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.

Legal name
ChoiceOne Bank
Display name
ChoiceOne Bank
Institution status
Active
FDIC insured
Yes
FDIC insured since
January 1, 1934
Established date
January 1, 1898
Charter class
State-chartered commercial bank, member of the Federal Reserve System (FRS)
Primary federal regulator
Federal Reserve Board
Headquarters
Sparta, MI, 49345, United States
Website
https://WWW.CHOICEONE.BANK
FDIC certificate number
1014
Federal Reserve RSSD ID
324340
Domestic location count
51
Source observed
August 5, 2026

Regulatory profile

Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.

Regulatory identity

Institution status
ACTIVE
Primary federal regulator
FRS
Institution type
State Member Bank
Primary activity
NAICS 52211
FDIC certificate
1014
Federal Reserve RSSD ID
324340
LEI
549300U7ERLWHOGWFM48
Headquarters
109 East Division, Sparta, MI, 49345, United States
Primary deposit insurer
Deposit Insurance Fund (DIF)
Source observed
August 19, 2026

Branch network

Listed locations

47

Showing 1 through 47 of 47 listed locations

Scroll sideways to see every branch column.

Showing 1 through 47 of 47 FFIEC NIC branch locations
BranchAddressCityStatePostal code
ALMONT OFFICE5515 Van DykeAlmontMI48003
ARMADA OFFICE72890 North AvenueArmadaMI48005
ATTICA OFFICE4515 Imlay City RoadAtticaMI48412
BIRCH RUN BRANCH8412 Main StreetBirch RunMI48415
BRIGHTON BRANCH134 North First StreetBrightonMI48116
CAPAC OFFICE206 North Main StreetCapacMI48014
CEDAR SPRINGS BRANCH4170 17 Mile RoadCedar SpringsMI49319
CHESANING BRANCH12771 West Brady RoadChesaningMI48616
ALPINE BRANCH5050 Alpine Avenue NorthwestComstock ParkMI49321
COOPERSVILLE BRANCH661 West Randall RoadCoopersvilleMI49404-1305
FENTON BRANCH175 North Leroy StreetFentonMI48430
SILVER PARKWAY15095 Silver ParkwayFentonMI48430
VG'S FOOD CENTER BRANCH18005 Silver ParkwayFentonMI48430
FLINT BRANCH615 South Saginaw StreetFlintMI48502
DEERFIELD OFFICE30 West Burnside Road (m-24)FostoriaMI48435
FREMONT BRANCH1423 West Main StreetFremontMI49412
GRAND BLANC NORTH BRANCH1401 East Hill RoadGrand BlancMI48439
GRAND BLANC SOUTH BRANCH7606 South Saginaw StreetGrand BlancMI48439
GRAND HAVEN BRANCH1120 South Beacon BoulevardGrand HavenMI49417
GRAND RAPIDS - MARKET OFFICE330 Market Avenue SouthwestGrand RapidsMI49503
GRANT BRANCH10 West Main StreetGrantMI49327
GRASS LAKE BRANCH12005 Michigan AvenueGrass LakeMI49240
HOLLY BRANCH4043 Grange Hall RoadHollyMI48442
IMLAY CITY OFFICE1875 South Cedar StreetImlay CityMI48444
KENT CITY BRANCH450 West Muskegon StreetKent CityMI49330
ELBA OFFICE5508 Davison RoadLapeerMI48446
LAPEER OFFICE83 West Nepessing StreetLapeerMI48446
SOUTHGATE OFFICE637 South Main StreetLapeerMI48446-0250
LINDEN BRANCH107 North Main StreetLindenMI48451
MEMPHIS OFFICE81111 Main StreetMemphisMI48041
METAMORA OFFICE950 West Dryden RoadMetamoraMI48455-8903
MONTROSE BRANCH201 West State StreetMontroseMI48457
MUNITH BRANCH201 North Main StreetMunithMI49259
EGELSTON BRANCH5475 East Apple AvenueMuskegonMI49442-3007
HARVEY BRANCH5797 Harvey StreetMuskegonMI49444
NORTON SHORES OFFICE1030 West Norton AvenueMuskegonMI49441
NEW LOTHROP BRANCH9380 Genesee StreetNew LothropMI48460
NEWAYGO BRANCH246 West River ValleyNewaygoMI49337
NORTH MUSKEGON BRANCH180 North CausewayNorth MuskegonMI49445
RAVENNA BRANCH3069 Slocum RoadRavennaMI49451
ROCKFORD - DIVISION OFFICE590 East Division Street NortheastRockfordMI49341
SAGINAW BRANCH218 South Washington AvenueSaginawMI48607
THOMAS TOWNSHIP BRANCH7590 Gratiot RoadSaginawMI48609
ST CHARLES BRANCH207 South Saginaw StreetSaint CharlesMI48655
SPARTA-APPLETREE BRANCH416 West Division StreetSpartaMI49345
STOCKBRIDGE BRANCH5101 M-106StockbridgeMI49285
YALE OFFICE3 North Main StreetYaleMI48097

Community Reinvestment Act (CRA)

Latest available CRA evaluation

Rating
Satisfactory
Exam date
October 21, 2024
Regulator
Federal Reserve
Examination method
Large Bank Exam

This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.

CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.

Historical CRA evaluations

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Historical CRA evaluations
Exam dateCRA ratingRegulatorExamination method
October 21, 2024SatisfactoryFederal ReserveLarge Bank Exam
August 16, 2021SatisfactoryFederal ReserveLarge Bank Exam
February 26, 2018SatisfactoryFederal ReserveLarge Bank Exam
December 3, 2012SatisfactoryFederal ReserveLarge Bank Exam
October 4, 2010SatisfactoryFederal ReserveLarge Bank Exam
September 29, 2008SatisfactoryFederal ReserveIntermediate Small Bank
August 2, 2004SatisfactoryFederal ReserveSmall Bank
July 31, 2000SatisfactoryFederal ReserveSmall Bank
August 26, 1996SatisfactoryFederal ReserveSmall Bank

Read the methodology

Institutional history

5 FFIEC NIC history events

Showing 1 through 5 of 5 history events

FFIEC NIC institutional history events
Event dateEvent typeRelated institution
March 15, 2025Charter Discontinued (Merger or Purchase & Assumption)—
October 17, 2020Charter Discontinued (Merger or Purchase & Assumption)—
May 16, 2020Charter Discontinued (Merger or Purchase & Assumption)—
January 1, 2009Charter Discontinued (Merger or Purchase & Assumption)VALLEY RIDGE MORTGAGE COMPANY
December 8, 2006Charter Discontinued (Merger or Purchase & Assumption)—

These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.

FFIEC-reported organizational relationships

3 FFIEC NIC relationship records

Showing 1 through 3 of 3 relationship records

FFIEC NIC organizational relationships
RelationshipInstitutionTypeLocation
Direct relationshipCHOICEONE INSURANCE AGENCIES, INC.Domestic Entity OtherSparta, MI
Direct relationshipCONEB REAL ESTATE HOLDINGS, LLCDomestic Entity OtherSparta, MI
ROOT_INSTITUTIONCHOICEONE BANKState Member BankSparta, MI

These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

Additional profile fields

Fields below supplement the primary source baseline and are shown only when present on the public profile.

Entity type
FDIC-insured state-chartered member bank