Side-by-side · Q2 2026 data
ChoiceOne Bank vs First National Bank of America
Metric by metric
| Measure | ChoiceOne Bank | First National Bank of America |
|---|---|---|
| TellerScore | 61 (stronger) | 51 |
| Capital cushion | 43 (stronger) | 31 |
| Loan quality | 67 (stronger) | 37 |
| Earnings | 69 | 100 (stronger) |
| Funding & liquidity | 56 (stronger) | 46 |
| Problem-loan coverage | 88 (stronger) | 59 |
| Peer percentile | 24th | 8th |
| Total assets | $4.5B | $6.8B |
| Deposits / shares | $3.6B | $3.9B |
| Capital ratio | 9.30% (stronger) | 8.13% |
| Problem loans | 1.00% (stronger) | 1.90% |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 1.24% | 2.79% (stronger) |
| Loans ÷ deposits | 84.3% (stronger) | 160.1% |
| Uninsured deposits | 33.0% | 18.7% (stronger) |
| Offices | 48 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.0% | 16.9% |
ChoiceOne Bank has the higher TellerScore (61 vs 51). On the 7 directional measures above (where higher or lower is clearly better), ChoiceOne Bank leads on 4 and First National Bank of America on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.