XML 50 R41.htm IDEA: XBRL DOCUMENT
v3.23.3

Loans and Allowance for Credit Losses - Aging Analysis of Loans by Loan Category (Details) - USD ($) $ in Thousands | Sep. 30, 2023 | Dec. 31, 2022
--- | --- | ---
Financing Receivable, Past Due [Line Items] |  |  |
Loans |  | $ 1,309,800 | $ 1,189,782
Loan 90 days and accruing |  | 0 | 0
Agricultural [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans |  | 43,290 | 64,159
Loan 90 days and accruing |  | 0 | 0
Commercial and Industrial [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans |  | 222,357 | 210,210
Loan 90 days and accruing |  | 0 | 0
Consumer Portfolio Segment [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans |  | 37,605 | 39,808
Loan 90 days and accruing |  | 0 | 0
Commercial Real Estate Portfolio Segment [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans |  | 709,960 | 630,953
Loan 90 days and accruing |  | 0 | 0
Construction Real Estate [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans |  | 16,477 | 14,736
Loan 90 days and accruing |  | 0 | 0
Residential Portfolio Segment [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans |  | 256,348 | 229,916
Loan 90 days and accruing |  |  | 0
Loans To Other Financial Institutions [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans |  | 23,763 |
Financial Asset, 30 to 59 Days Past Due [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 1,451 | 721
Financial Asset, 30 to 59 Days Past Due [Member] | Agricultural [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 0 |
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial and Industrial [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 101 |
Financial Asset, 30 to 59 Days Past Due [Member] | Consumer Portfolio Segment [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 30 | 39
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 0 |
Financial Asset, 30 to 59 Days Past Due [Member] | Construction Real Estate [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 0 |
Financial Asset, 30 to 59 Days Past Due [Member] | Residential Portfolio Segment [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 1,320 | 682
Financial Asset, 60 to 89 Days Past Due [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 36 | 178
Financial Asset, 60 to 89 Days Past Due [Member] | Agricultural [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 0 |
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial and Industrial [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 0 | 171
Financial Asset, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 6 | 7
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 0 |
Financial Asset, 60 to 89 Days Past Due [Member] | Construction Real Estate [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 0 |
Financial Asset, 60 to 89 Days Past Due [Member] | Residential Portfolio Segment [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 30 |
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 792 | 842
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Agricultural [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 0 |
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial and Industrial [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 90 |
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 0 |
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 0 |
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Construction Real Estate [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 0 |
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 702 | 842
Financial Asset, Past Due [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 2,279 | 1,741
Financial Asset, Past Due [Member] | Agricultural [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 0 |
Financial Asset, Past Due [Member] | Commercial and Industrial [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 191 | 171
Financial Asset, Past Due [Member] | Consumer Portfolio Segment [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 36 | 46
Financial Asset, Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 0 |
Financial Asset, Past Due [Member] | Construction Real Estate [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 0 |
Financial Asset, Past Due [Member] | Residential Portfolio Segment [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans | [1] | 2,052 | 1,524
Financial Asset, Not Past Due [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans |  | 1,307,521 | 1,188,041
Financial Asset, Not Past Due [Member] | Agricultural [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans |  | 43,290 | 64,159
Financial Asset, Not Past Due [Member] | Commercial and Industrial [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans |  | 222,166 | 210,039
Financial Asset, Not Past Due [Member] | Consumer Portfolio Segment [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans |  | 37,569 | 39,762
Financial Asset, Not Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans |  | 709,960 | 630,953
Financial Asset, Not Past Due [Member] | Construction Real Estate [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans |  | 16,477 | 14,736
Financial Asset, Not Past Due [Member] | Residential Portfolio Segment [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans |  | 254,296 | $ 228,392
Financial Asset, Not Past Due [Member] | Loans To Other Financial Institutions [Member] |  |  |
Financing Receivable, Past Due [Line Items] |  |  |
Loans |  | $ 23,763 |
[1] | Includes nonaccrual loans.

X
- Definition Amortized cost of financing receivable 90 days or more past due and still accruing. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 80 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479294/326-20-55-80 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 16 -Subparagraph (c) -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-16 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Name Accounting Standards Codification -Section 50 -Paragraph 7 -Subparagraph (b) -SubTopic 10 -Topic 310 -Publisher FASB -URI https://asc.fasb.org//1943274/2147481962/310-10-50-7 + Details
Name: | us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 14 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-14 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 80 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479294/326-20-55-80 + Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Amount before allowance and after deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 45 -Paragraph 2 -Publisher FASB -URI https://asc.fasb.org//1943274/2147481990/310-10-45-2 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 4 -Publisher FASB -URI https://asc.fasb.org//1943274/2147481962/310-10-50-4 + Details
Name: | us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=cofs_AgriculturalMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=cofs_CommercialAndIndustrialMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=cofs_ConstructionRealEstateMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ResidentialPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=cofs_LoansToOtherFinancialInstitutionsMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables30To59DaysPastDueMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables60To89DaysPastDueMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancialAssetPastDueMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancialAssetNotPastDueMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |