XML 84 R74.htm IDEA: XBRL DOCUMENT v3.25.0.1

Loans and Allowance for Credit Losses - Aging Analysis of Loans by Loan Category (Details) - USD ($) $ in Thousands		Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Past Due [Line Items]
Loans		$ 1,545,640	$ 1,410,653	$ 1,189,782
Loans, 90 Days Past Due and Accruing		0	0
Agricultural [Member]
Financing Receivable, Past Due [Line Items]
Loans		48,221	49,210	64,159
Loans, 90 Days Past Due and Accruing		0	0
Commercial and Industrial [Member]
Financing Receivable, Past Due [Line Items]
Loans		228,256	229,915	210,210
Loans, 90 Days Past Due and Accruing		0	0
Consumer Portfolio Segment [Member]
Financing Receivable, Past Due [Line Items]
Loans		29,412	36,541	39,808
Loans, 90 Days Past Due and Accruing		0	0
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Past Due [Line Items]
Loans		901,130	786,921	630,953
Loans, 90 Days Past Due and Accruing		0	0
Construction Real Estate [Member]
Financing Receivable, Past Due [Line Items]
Loans		17,042	20,936	14,736
Loans, 90 Days Past Due and Accruing		0	0
Residential Portfolio Segment [Member]
Financing Receivable, Past Due [Line Items]
Loans		281,701	267,730	229,916
Loans, 90 Days Past Due and Accruing		0	0
Loans To Other Financial Institutions [Member]
Financing Receivable, Past Due [Line Items]
Loans		39,878	19,400	$ 0
Loans, 90 Days Past Due and Accruing		0	0
Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	5,635	959
Financial Asset, 30 to 59 Days Past Due [Member] | Agricultural [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	0	0
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial and Industrial [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	0	0
Financial Asset, 30 to 59 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	52	31
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	23	173
Financial Asset, 30 to 59 Days Past Due [Member] | Construction Real Estate [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	694	0
Financial Asset, 30 to 59 Days Past Due [Member] | Residential Portfolio Segment [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	4,866	755
Financial Asset, 30 to 59 Days Past Due [Member] | Loans To Other Financial Institutions [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	0	0
Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	901	551
Financial Asset, 60 to 89 Days Past Due [Member] | Agricultural [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial and Industrial [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	49	0
Financial Asset, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	87	2
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Construction Real Estate [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Residential Portfolio Segment [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	765	549
Financial Asset, 60 to 89 Days Past Due [Member] | Loans To Other Financial Institutions [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	2,086	871
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Agricultural [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	0	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]	0	1
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	7	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	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]	229	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]	1,850	870
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Loans To Other Financial Institutions [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	0	0
Financial Asset, Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	8,622	2,381
Financial Asset, Past Due [Member] | Agricultural [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	0	0
Financial Asset, Past Due [Member] | Commercial and Industrial [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	49	1
Financial Asset, Past Due [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	146	33
Financial Asset, Past Due [Member] | Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	23	173
Financial Asset, Past Due [Member] | Construction Real Estate [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	923	0
Financial Asset, Past Due [Member] | Residential Portfolio Segment [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	7,481	2,174
Financial Asset, Past Due [Member] | Loans To Other Financial Institutions [Member]
Financing Receivable, Past Due [Line Items]
Loans	[1]	0	0
Financial Asset, Not Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans		1,537,018	1,408,272
Financial Asset, Not Past Due [Member] | Agricultural [Member]
Financing Receivable, Past Due [Line Items]
Loans		48,221	49,210
Financial Asset, Not Past Due [Member] | Commercial and Industrial [Member]
Financing Receivable, Past Due [Line Items]
Loans		228,207	229,914
Financial Asset, Not Past Due [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Past Due [Line Items]
Loans		29,266	36,508
Financial Asset, Not Past Due [Member] | Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Past Due [Line Items]
Loans		901,107	786,748
Financial Asset, Not Past Due [Member] | Construction Real Estate [Member]
Financing Receivable, Past Due [Line Items]
Loans		16,119	20,936
Financial Asset, Not Past Due [Member] | Residential Portfolio Segment [Member]
Financing Receivable, Past Due [Line Items]
Loans		274,220	265,556
Financial Asset, Not Past Due [Member] | Loans To Other Financial Institutions [Member]
Financing Receivable, Past Due [Line Items]
Loans		$ 39,878	$ 19,400
[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://fasb.org/us-gaap/role/ref/otherTransitionRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 7
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-7

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

Reference 3: 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

+ 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

Amortized cost, before allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement and net investment in lease.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481990/310-10-45-13

Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 7A
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-7A

Reference 3: http://fasb.org/us-gaap/role/ref/otherTransitionRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 29
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-29

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Name Regulation S-K (SK)
-Number 229
-Section 1405
-Paragraph a
-Subparagraph (1)
-Publisher SEC

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Name Regulation S-K (SK)
-Number 229
-Section 1405
-Paragraph a
-Subparagraph (2)
-Publisher SEC

Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1404
-Paragraph a
-Publisher SEC

Reference 7: 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 8: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 79
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-79

Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 45
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479344/326-20-45-1

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 210
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(3)(b))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-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 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-5

+ Details

Name:	us-gaap_NotesReceivableGross
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: