ChoiceOne Financial Services Inc - Asset Resilience Ratio

Latest as of March 2026: 13.05%

ChoiceOne Financial Services Inc (COFS) has an Asset Resilience Ratio of 13.05% as of March 2026. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.

Liquid Assets

$573.53 Million

Cash + Short-term Investments

Total Assets

$4.39 Billion

All company assets

Resilience Assessment

Moderate

Financial Resilience Level

Asset Resilience Ratio Trend (1999–2025)

This chart shows how ChoiceOne Financial Services Inc's Asset Resilience Ratio has changed over time. Check how strategically is ChoiceOne Financial Services Inc's equity deployed to assess the company's strategic physical and investment asset allocation.

Liquid Assets Composition Over Time

This chart breaks down ChoiceOne Financial Services Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see ChoiceOne Financial Services Inc stock valuation.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$573.53 Million	13.05%
Total Liquid Assets	$573.53 Million	13.05%

Asset Resilience Insights

Moderate Liquidity: ChoiceOne Financial Services Inc has 13.05% of assets in liquid form.
While adequate for normal operations, this level may limit flexibility during economic stress.
The company has significant short-term investments, indicating active treasury management.

ChoiceOne Financial Services Inc Industry Peers by Asset Resilience Ratio

Compare ChoiceOne Financial Services Inc's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Deutsche Bank Aktiengesellschaft F:DBK	Banks - Regional	3.17%
Regions Financial Corporation NYSE:RF	Banks - Regional	17.06%
Bank of Hangzhou Co Ltd SHG:600926	Banks - Regional	7.20%
Banco Santander Chile SN:BSANTANDER	Banks - Regional	6.33%
Grupo Financiero Inbursa S.A.B. de C.V MX:GFINBURO	Banks - Regional	2.07%
Synovus Financial Corp NYSE:SNV	Banks - Regional	4.05%
Bank of Queensland Ltd AU:BOQ	Banks - Regional	0.21%
Regional S.A.B. de C.V MX:RA	Banks - Regional	0.00%

Annual Asset Resilience Ratio for ChoiceOne Financial Services Inc (1999–2025)

The table below shows the annual Asset Resilience Ratio data for ChoiceOne Financial Services Inc.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	3.04%	$134.28 Million	$4.41 Billion	-14.55pp
2024-12-31	17.59%	$479.12 Million	$2.72 Billion	-2.38pp
2023-12-31	19.97%	$514.60 Million	$2.58 Billion	-2.23pp
2022-12-31	22.20%	$529.75 Million	$2.39 Billion	-24.23pp
2021-12-31	46.43%	$1.10 Billion	$2.37 Billion	+16.48pp
2020-12-31	29.95%	$574.79 Million	$1.92 Billion	+5.45pp
2019-12-31	24.50%	$339.58 Million	$1.39 Billion	-0.35pp
2018-12-31	24.85%	$166.60 Million	$670.54 Million	+0.78pp
2017-12-31	24.07%	$155.59 Million	$646.54 Million	-4.65pp
2016-12-31	28.71%	$174.39 Million	$607.37 Million	+0.51pp
2015-12-31	28.21%	$160.14 Million	$567.75 Million	+2.28pp
2014-12-31	25.93%	$142.52 Million	$549.64 Million	-0.52pp
2013-12-31	26.45%	$136.08 Million	$514.58 Million	+0.02pp
2012-12-31	26.43%	$134.49 Million	$508.91 Million	+3.38pp
2011-12-31	23.04%	$114.28 Million	$495.91 Million	+22.00pp
2010-12-31	1.04%	$5.00 Million	$480.52 Million	-1.06pp
2009-12-31	2.10%	$9.79 Million	$465.92 Million	+1.69pp
2008-12-31	0.41%	$1.91 Million	$463.55 Million	+1.82pp
1999-12-31	-1.41%	$-2.72 Million	$193.11 Million	--

pp = percentage points

About ChoiceOne Financial Services Inc

NASDAQ:COFS USA Banks - Regional

Market Cap

$508.98 Million

Market Cap Rank

#12339 Global

#3079 in USA

Share Price

$34.03

Change (1 day)

+0.59%

52-Week Range

$26.29 - $34.62

All Time High

$37.71