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ChoiceOne Financial COFS Noninterest-bearing deposits

Noninterest-bearing deposits at other companies

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$40.84B+35.2%
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JPMorgan ChaseJPM
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Other financials

Income statement

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Revenue$42.5M+35.9%
Net income$13.7M+199%
EPS (diluted)$0.91+171%

Balance sheet

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Cash & equivalents$84.2M-39.6%
Total debt$2.9M+360%
Total equity$470.0M+10.1%
Total assets$4.4B+2.1%

Cash flow

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Operating cash flow-$177.0K+98.1%
CapEx$1.5M+82.5%
Free cash flow-$1.7M+83.4%

Valuation

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Market cap$490.73M+17.4%
P/E8.8×-49.4×
P/S2.8×-1.2×

Profitability

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Net margin32.3%+25.3pp
FCF margin19.5%—

Returns & leverage

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Return on equity12.4%+10.2pp
Debt / equity0×0.0×

Where this comes from

Reported directly by ChoiceOne Financial in its filing.

Tagged under the XBRL concept us-gaap:NoninterestBearingDepositLiabilities.

The official record: ChoiceOne Financial’s 10-Q, filed May 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is ChoiceOne Financial's noninterest-bearing deposits?
ChoiceOne Financial (COFS) reported noninterest-bearing deposits of $912.85M in Q1 2026.
How has ChoiceOne Financial's noninterest-bearing deposits changed year-over-year?
ChoiceOne Financial's noninterest-bearing deposits increased by 0.1% year-over-year, from $912.03M to $912.85M.
What is the long-term trend for ChoiceOne Financial's noninterest-bearing deposits?
Over 5 years (2020 to 2025), ChoiceOne Financial's noninterest-bearing deposits has grown at a 13.7% compound annual growth rate (CAGR), from $477.65M to $907.01M.
What does noninterest-bearing deposits mean?
These are demand deposit accounts that do not pay interest to the customer, providing the bank with a low-cost source of funding. A higher proportion of these deposits significantly enhances the bank's net interest margin and overall profitability.