ChoiceOne Financial Services is a financial holding company that operates ChoiceOne Bank, a full-service community bank serving western, central, and southeastern Michigan through a network of offices providing deposit services, commercial and consumer lending, trust and wealth management, and insurance services through its subsidiaries. The company generates revenue primarily from interest and fees on loans, followed by interest on securities, and competes with larger banks, credit unions, and fintech firms on rates, fees, and service quality. ChoiceOne Bank is regulated by the Federal Reserve and Michigan state authorities and maintains a well-capitalized financial position.