ChoiceOne Financial Services, Inc. (COFS)
NASDAQ: COFS · Real-Time Price · USD
33.83
-0.54 (-1.57%)
Jul 30, 2026, 4:00 PM EDT - Market closed
COFS Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Equivalents | 88.65 | 87.99 | 96.75 | 55.43 | 43.94 | 31.89 |
Securities and Investments | 976.79 | 980.08 | 896.12 | 939.58 | 972.8 | 1,116 |
Other Earning Assets | 57.37 | 66.17 | 47.17 | 24.11 | 4.83 | 51.98 |
Gross Loans | 3,073 | 3,022 | 1,546 | 1,411 | 1,190 | 1,017 |
Allowance for Loan Losses | -35.74 | -35.55 | -16.55 | -15.69 | -7.62 | -7.69 |
Net Loans | 3,037 | 2,986 | 1,529 | 1,395 | 1,182 | 1,009 |
Net Property, Plant & Equipment | 50.38 | 48.11 | 27.1 | 29.75 | 28.23 | 29.88 |
Other Intangible Assets | 27.89 | 31.15 | 1.1 | 1.85 | 2.81 | 3.96 |
Goodwill | 129.85 | 129.85 | 59.95 | 59.95 | 59.95 | 59.95 |
Other Non-Earning Assets | 142.45 | 139.7 | 105.85 | 90.47 | 91.19 | 63.6 |
Total Assets | 4,457 | 4,411 | 2,723 | 2,577 | 2,386 | 2,367 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Interest-bearing deposits | 2,658 | 2,693 | 1,689 | 1,574 | 1,518 | 1,491 |
Noninterest-bearing deposits | 943.94 | 907.01 | 524.95 | 547.63 | 599.58 | 560.93 |
Total Deposits | 3,602 | 3,600 | 2,214 | 2,122 | 2,118 | 2,052 |
Long-Term Debt | 343.5 | 313.25 | 210.75 | 235.51 | 85.26 | 85.02 |
Other Liabilities | 28.88 | 31.93 | 37.97 | 23.51 | 13.78 | 7.7 |
Total Liabilities | 3,974 | 3,945 | 2,463 | 2,381 | 2,217 | 2,145 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Additional Paid-in Capital | 396.68 | 398.39 | 206.78 | 173.51 | 172.28 | 171.91 |
Accumulated Other Comprehensive Income | -34.14 | -35.67 | -37.78 | -51.58 | -71.8 | -2.58 |
Retained Earnings | 120.14 | 102.64 | 91.41 | 73.7 | 68.39 | 52.33 |
Shareholders' Equity | 482.68 | 465.35 | 260.42 | 195.63 | 168.87 | 221.67 |
Total Liabilities & Equity | 4,457 | 4,411 | 2,723 | 2,577 | 2,386 | 2,367 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Total Debt | 343.5 | 313.25 | 210.75 | 235.51 | 85.26 | 85.02 |
Net Cash (Debt) | -343.5 | -313.25 | -210.75 | -235.51 | -85.26 | -85.02 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share | -22.79 | -22.39 | -25.64 | -31.10 | -11.33 | -11.04 |
Book Value | 482.68 | 465.35 | 260.42 | 195.63 | 168.87 | 221.67 |
Book Value Per Share | 32.02 | 33.26 | 31.68 | 25.84 | 22.43 | 28.78 |
Tangible Book Value | 324.94 | 304.35 | 199.37 | 133.83 | 106.12 | 157.76 |
Tangible Book Value Per Share | 21.56 | 21.75 | 24.25 | 17.67 | 14.10 | 20.48 |