Want to see COFS full AI Analyst Report?
Total Loans By Segment
Provides a breakdown of the company's loan portfolio across different segments, highlighting areas of lending focus and potential risk exposure. This insight helps assess the bank's strategy in targeting specific markets and its ability to manage credit risk effectively.ChoiceOne dramatically rebalanced its loan book starting 2025 Q1—commercial real estate and residential mortgages surged (multiplying portfolio size), while consumer lending drifted lower—signaling a deliberate pivot toward larger CRE/RRE and C&I exposures. That shift can boost interest income but materially raises concentration and property-market sensitivity; investors should watch reserve coverage, underwriting changes or disclosed acquisitions that explain the jump, and how sustained funding/loan-quality trends play out if CRE market conditions soften.
Date | Agricultural | Commercial & Industrial | Commercial Real Estate | Consumer | Construction Real Estate | Residential Real Estate | Loans To Other Financial Institutions |
|---|---|---|---|---|---|---|---|
Jun 30, 2026 | $49.67M | $411.19M | $1.73B | $26.12M | $25.23M | $776.82M | $53.53M |
Mar 31, 2026 | $47.84M | $369.43M | $1.75B | $23.18M | $20.90M | $725.36M | $51.19M |
Dec 31, 2025 | $56.22M | $352.56M | $1.78B | $26.70M | $19.14M | $728.04M | $58.99M |
Sep 30, 2025 | $51.18M | $352.88M | $1.73B | $27.33M | $18.44M | $728.84M | $2.48M |
Jun 30, 2025 | $47.27M | $351.37M | $1.74B | $29.74M | $21.51M | $724.33M | $3.03M |
Mar 31, 2025 | $48.16M | $345.14M | $1.76B | $30.93M | $18.07M | $722.66M | $2.39M |
Dec 31, 2024 | $48.22M | $228.26M | $901.13M | $29.41M | $17.04M | $281.70M | $39.88M |
Sep 30, 2024 | $49.15M | $229.23M | $862.77M | $30.69M | $14.55M | $279.06M | $38.49M |
Jun 30, 2024 | $45.27M | $224.03M | $804.21M | $32.81M | $18.75M | $275.88M | $36.57M |
Mar 31, 2024 | $41.95M | $231.22M | $794.71M | $34.27M | $17.89M | $268.52M | $30.03M |