Community Recognition ChoiceOne recently received the 2026 Habitat for Humanity of Kent County Opportunity Award, highlighting strong community involvement and a track record of supporting local housing initiatives. This presents an opportunity to position value-added lending, small business support, and sponsorship-friendly banking solutions to local nonprofits and impact-focused entities seeking scalable financial partnerships.

Digital Banking Strength The bank emphasizes innovative digital services including mobile deposits, online loan applications, online account opening, and digital savings tools. Sales opportunities exist to upsell integrated digital onboarding, API-enabled services for partner ecosystems, and enhanced digital treasury management for mid-market clients seeking streamlined experiences.

Recent Expansion Renovation and reopening of the Lapeer Downtown office signal a growth trajectory and a commitment to physical footprint in key Michigan markets. This can be leveraged to cross-sell regional commercial banking, cash management, and relationship-based lending to local SMBs and regional developers.

Leadership & Lending With a chief lending officer actively representing the bank in award recognition and a focus on loans, there is a clear emphasis on credit products. This aligns with opportunities to propose tailored commercial lending packages, SBA/PPP-style programs, and equipment or expansion financing to growth-oriented businesses.

Mid-Market Focus Operating across multiple counties with a mid-sized employee base and revenue in the stated range positions ChoiceOne as a regional partner for mid-market banking needs, including treasury services, payment processing, and wealth management collaboration for high-net-worth business owners and executives.