Side-by-side · Q2 2026 data
ChoiceOne Bank vs Independent Bank
Metric by metric
| Measure | ChoiceOne Bank | Independent Bank |
|---|---|---|
| TellerScore | 61 | 63 (stronger) |
| Capital cushion | 43 | 47 (stronger) |
| Loan quality | 67 | 67 |
| Earnings | 69 | 74 (stronger) |
| Funding & liquidity | 56 | 61 (stronger) |
| Problem-loan coverage | 88 (stronger) | 85 |
| Peer percentile | 24th | 30th |
| Total assets | $4.5B | $5.7B |
| Deposits / shares | $3.6B | $4.9B |
| Capital ratio | 9.30% | 9.67% (stronger) |
| Problem loans | 1.00% | 0.99% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.03% |
| Return on assets | 1.24% | 1.34% (stronger) |
| Loans ÷ deposits | 84.3% (stronger) | 88.6% |
| Uninsured deposits | 33.0% | 24.4% (stronger) |
| Offices | 48 | 57 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.0% | 17.6% |
Independent Bank has the higher TellerScore (63 vs 61). On the 7 directional measures above (where higher or lower is clearly better), ChoiceOne Bank leads on 2 and Independent Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Saginaw, MI
- Grand Rapids, MI
- Muskegon, MI
- Sparta, MI
- Newaygo, MI
- Cedar Springs, MI
- Brighton, MI
- Rockford, MI