{"filings":[{"id":697079,"accession_number":"0000905729-26-000112","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K/A","filed_at":"2026-05-27T20:44:47+00:00","items":["5.07"],"status":"ready","headline":"ChoiceOne shareholders elect all five director nominees and ratify auditor at May 20 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All five director nominees elected: Brophy, Burke, Essex, Krause, Wendling received majority votes.","Advisory vote on executive compensation approved with 8.78M for, 0.40M against, 0.18M abstain.","Ratification of Plante & Moran as auditor for FY2026 passed with 11.63M for, 0.17M against.","Next advisory vote on executive compensation scheduled for 2027 annual meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":592156,"accession_number":"0000905729-26-000109","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2026-05-22T13:00:33+00:00","items":["5.07"],"status":"ready","headline":"ChoiceOne Financial shareholders elect five directors, approve say-on-pay, ratify auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Elected five directors: Brophy received 8,633,871 for; Burke 8,962,842; Essex 9,015,713; Krause 9,021,395; Wendling 8,590,547.","Advisory vote on executive compensation approved: 8,775,182 for, 403,896 against, 179,867 abstain, 2,457,466 broker non-votes.","Ratified Plante & Moran as auditor for 2026: 11,633,562 for, 171,748 against, 11,101 abstain, zero broker non-votes.","Next advisory say-on-pay vote to occur at 2027 annual meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":536276,"accession_number":"0000905729-26-000107","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2026-05-20T11:31:36+00:00","items":["7.01","9.01"],"status":"ready","headline":"ChoiceOne reports Q1 2026 net income $13.7M; FY 2025 adjusted EPS $3.70","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Q1 2026 net income $13.7M, basic EPS $0.91; total assets $4.4B, deposits $3.7B, loans $3.0B.","FY 2025 net income $28.2M ($2.02 basic EPS); adjusted net income $51.5M ($3.70 adjusted EPS).","Merger with Fentura (Mar 1, 2025) added $1.8B in assets, $1.4B loans, $1.4B deposits.","Q1 2026 annualized adj. ROAE 11.65%; adj. ROAA 1.24%.","Q1 2026 cash dividend $0.29 per share; annualized yield ~3.8%."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98959,"accession_number":"0000905729-26-000093","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2026-05-05T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"ChoiceOne Q1 2026 Adjusted EPS $0.91; NIM 3.67%; Assets $4.4B","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Q1 2026 adjusted EPS $0.91, ROAA 1.24%, ROAE 11.65%, efficiency ratio 55.99%.","Net interest margin (tax-equivalent) 3.67%; cost of deposits improved to 1.54%.","Total assets $4.4B, deposits $3.7B, gross loans $3.0B; core loan growth 7.5% avg since 2022.","Nonperforming loans to total loans 1.01% (up vs prior due to Fentura merger); net charge-offs 0.01%.","Tangible book value per share $20.77 (excl AOCI $23.41); total capital ratio 13.2%."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98958,"accession_number":"0001193125-26-175011","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2026-04-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"ChoiceOne Financial Services announces Q1 2026 results; no specifics in filing","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Earnings press release issued on April 24, 2026; no financial figures disclosed in the 8-K body.","Further details are contained in the attached press release exhibit not provided in this summary.","The filing is furnished under Item 2.02 and is not filed with the SEC."],"consensus_eps_estimate":null,"consensus_eps_actual":0.91,"consensus_revenue_estimate":null,"consensus_revenue_actual":59091000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114696,"accession_number":"0000905729-26-000032","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2026-02-04T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"ChoiceOne reports $4.4B assets, 12.87% adj ROAE for FY2025; Fentura merger integrated","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Total assets $4.4B, deposits $3.6B, gross loans $3.0B as of Dec 31, 2025; market cap $443M.","Adjusted ROAA 1.26%, ROAE 12.87%, NIM 3.65% for full year 2025.","Core loan growth 5.7% in 2025; Q4 2025 loan yield 6.25% including 41 bps purchase accretion.","Non-performing loans 0.98% of total loans; net charge-offs 0.04% for 2025.","In Jan 2026, exited $201M of pay-fixed interest rate swaps, realizing a small gain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114695,"accession_number":"0001193125-26-030504","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2026-01-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"ChoiceOne Financial Services reports Q4 results; exhibit not provided in filing","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["8-K filed Jan 30, 2026 cites a press release as Exhibit 99.1, which is not included here.","No revenue, EPS, or other financial figures are available from the filing body alone.","Ticker COFS; event classified as earnings under Item 2.02.","Without the exhibit, an investor cannot assess the materiality of the report."],"consensus_eps_estimate":null,"consensus_eps_actual":2.01,"consensus_revenue_estimate":null,"consensus_revenue_actual":227624000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":131075,"accession_number":"0000905729-25-000180","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2025-11-06T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"ChoiceOne Q3 2025: ROAA 1.36%, NIM 3.77%, efficiency ratio improves to 54.8%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Annualized ROAA 1.36% and ROAE 13.39% for Q3 2025.","Net interest margin (tax-equivalent) 3.77%, up from 3.01% in 2024.","Efficiency ratio improved to 54.76% from 62.35% in 2024.","Total assets $4.3B, deposits $3.6B, gross loans $2.9B; Fentura merger completed March 2025.","Tangible book value per share $19.39; total capital ratio 13.0%."],"consensus_eps_estimate":null,"consensus_eps_actual":1.05,"consensus_revenue_estimate":null,"consensus_revenue_actual":167151000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":131074,"accession_number":"0001193125-25-249366","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2025-10-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"ChoiceOne Financial Services issues press release on Oct 24, 2025; no financial details in filing text","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Press release issued on October 24, 2025, under Item 2.02 (Results of Operations and Financial Condition).","Exhibit 99.1 containing the press release was not provided in the user message; specific figures unavailable.","Filing indicates standard quarterly or financial update, but data cannot be extracted from the text given."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147663,"accession_number":"0000950170-25-098569","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2025-07-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"ChoiceOne reports Q2 2025 net income $13.5M, EPS $0.90; net interest margin expands to 3.66%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $13.5M (diluted EPS $0.90) vs $6.6M ($0.87) YoY; adjusted EPS ex-merger costs $0.91.","Net interest margin 3.66%, up from 2.95% YoY; net interest income $36.3M vs $18.4M.","Core loans organic growth 10.0% YoY; total assets $4.3B after merger adding $1.8B in assets.","Asset quality: net charge-offs 0.06%, nonperforming loans 0.66% (0.41% from acquired loans).","Merger expenses minimal going forward; provision for credit losses $650K in Q2."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.03,"consensus_revenue_estimate":null,"consensus_revenue_actual":105309000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166330,"accession_number":"0000905729-25-000100","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2025-06-27T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"ChoiceOne appoints Steven T. Krause as director effective July 5, replacing retiring Jack Hendon","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Steven T. Krause appointed to the board effective July 5, 2025.","Krause fills the vacancy created by Jack Hendon's retirement.","Board determined Krause is independent under Nasdaq listing standards.","Expected to serve on Audit and Risk Committees.","Compensation consistent with other directors as described in 2025 proxy."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166329,"accession_number":"0000803164-25-000014","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2025-05-27T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"ChoiceOne shareholders elect all directors, approve say-on-pay, set 1-year frequency, ratify auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All five director nominees elected: Armock (8.8M For), Burrough (9.1M), Potes (9.3M), Petty (9.2M), Hicks (9.2M).","Say-on-pay approved: 8,625,296 For, 488,518 Against, 225,425 Abstain; 2,667,331 broker non-votes.","Advisory vote on frequency: 8,476,908 for 1 year, 153,154 for 2 years, 578,479 for 3 years; 1-year frequency adopted.","Auditor ratification: Plante & Moran PLLC ratified with 11,950,886 For, 48,389 Against, 7,295 Abstain (no broker non-votes)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166328,"accession_number":"0000803164-25-000012","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2025-05-21T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Chairman Hendon retires; McConnell named Chairman, Page Vice Chairwoman","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Jack G. Hendon retires as Chairman and Director of ChoiceOne and ChoiceOne Bank effective July 5, 2025, per mandatory retirement policy.","Board accepted retirement on May 21, 2025; Hendon served since August 2013 and as Chairman since December 2021.","Gregory A. McConnell appointed Chairman effective July 5, 2025; he joined the board in October 2019.","Roxanne M. Page appointed Vice Chairwoman effective July 5, 2025; she has served as a director since August 2010."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166327,"accession_number":"0000803164-25-000011","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2025-05-21T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"ChoiceOne posts Q1 GAAP net loss of $13.9M on Fentura merger costs; adjusted EPS rises to $0.87","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net loss of $13.9M ($1.30 basic EPS) vs adjusted net income $9.3M ($0.87 adjusted EPS).","Net interest income $26.3M, up 60% YoY; total assets $4.3B after Fentura merger.","Dividend maintained at $0.28/share; annualized yield 3.9% as of 3/31/25.","Chairman Jack Hendon retiring July 5, 2025; Gregory McConnell named Chairman, Roxanne Page Vice-Chairwoman.","Q1 2025 net loss driven by $13.8M in after-tax merger expenses from Fentura acquisition."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.29,"consensus_revenue_estimate":null,"consensus_revenue_actual":44881000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166326,"accession_number":"0000950170-25-060598","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2025-04-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"ChoiceOne reports Q1 net loss of $13.9M on $17.2M merger expenses; adjusted net income $9.3M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $13.9M ($1.29 diluted loss) vs Q1 2024 net income of $5.6M ($0.74 EPS).","Adjusted net income (excl. merger costs and provision) of $9.3M; adjusted diluted EPS $0.86.","Completed Fentura merger on March 1, 2025, adding $1.8B in assets, $1.4B loans, $1.4B deposits.","GAAP NIM rose to 3.43% from 2.67% YoY; core loans organically grew 10.6% annualized in Q1.","Asset quality strong: annualized net charge-offs 0.01%, nonperforming loans 0.65% of total loans."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.29,"consensus_revenue_estimate":null,"consensus_revenue_actual":44881000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183772,"accession_number":"0000905729-25-000052","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2025-03-17T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"ChoiceOne completes bank consolidation; combined assets top $4B","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Consolidation of The State Bank into ChoiceOne Bank effective March 14, 2025.","Combined organization now has assets over $4 billion and 56 offices in Michigan.","Former Fentura CEO Ronald Justice to retire in April 2025 after merger completion.","Senior officers Thomas Hufton II, Craig Johnson, Jeanne Richter and others to continue at ChoiceOne Bank.","Community events and donations mark name change to reinforce ongoing local commitment."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183771,"accession_number":"0000950170-25-030833","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2025-03-03T23:59:59+00:00","items":["2.01","5.02","8.01","9.01"],"status":"ready","headline":"ChoiceOne completes Fentura merger; combined assets exceed $4B, exchange ratio 1.35:1","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Fentura merged into ChoiceOne effective March 1, 2025; each Fentura share converted to 1.35 ChoiceOne shares plus cash for fractions.","Pro forma net income for 9 months ended Sep 30, 2024: $33.1M ($2.20 basic EPS); tangible book value per share $16.61.","Combined operations total $4.56B in assets and 56 Michigan offices; The State Bank consolidation expected March 14, 2025.","Board expanded to 15 directors; former Fentura directors Brian Petty and Randy Hicks appointed, expected to serve on key committees."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183770,"accession_number":"0000905729-25-000040","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2025-02-18T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"ChoiceOne reports FY2024 results: ROAE 11.8%, core loan growth 8.2%; pending Fentura merger on track","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total assets $2.72B, deposits $2.21B, gross loans $1.55B; market cap $319M as of 12/31/2024.","Core loan growth 8.2% YoY; NIM (tax-equivalent) 3.01%; ROAA 1.00%; adjusted ROAE 12.24%.","Pending merger with Fentura Financial (parent of The State Bank, $1.8B assets) expected close March 1, 2025.","Completed underwritten offering of 1.38M shares at $25.00 in July 2024 for $34.5M gross proceeds.","Asset quality: NPLs/loans 0.27%, ACL 1.07%, net charge-offs 0.03%."],"consensus_eps_estimate":null,"consensus_eps_actual":3.25,"consensus_revenue_estimate":null,"consensus_revenue_actual":139099000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183769,"accession_number":"0000803164-25-000003","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2025-02-13T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Federal Reserve approves ChoiceOne-Fentura merger","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["Federal Reserve Board approved the merger of Fentura Financial into ChoiceOne on February 12, 2025.","Merger was agreed to on July 25, 2024; ChoiceOne will be the surviving corporation.","Completion still requires satisfaction of other customary closing conditions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183768,"accession_number":"0000950170-25-007734","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2025-01-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"ChoiceOne Q4 net income $7.2M, up 35% YoY; EPS $0.79; core loans grow 11% annualized","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $7.159M in Q4, up 35.3% YoY; adjusted net income $7.532M; diluted EPS $0.79 ($0.83 adjusted).","Core loans grew $40.3M (annualized 11.0%) in Q4; full-year 2024 organic loan growth $114.5M (8.2%).","Deposits (ex-brokered) declined $24M in Q4 due to seasonal public fund outflows; up $79M in 2024.","Asset quality strong: nonperforming loans to total loans 0.27%; annualized net charge-offs 0.04%.","Pending merger with Fentura Financial and State Bank expected to close in Q1 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":3.25,"consensus_revenue_estimate":null,"consensus_revenue_actual":139099000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":200371,"accession_number":"0000905729-24-000172","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2024-12-13T23:59:59+00:00","items":["5.07","7.01","9.01"],"status":"ready","headline":"ChoiceOne and Fentura shareholders approve merger; combined bank to have ~$4.3B assets","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["ChoiceOne (COFS) shareholders voted 5,823,344 for vs 101,305 against the stock issuance proposal.","Fentura (FETM) shareholders also approved the merger at separate special meeting on Dec 12, 2024.","Combined company will be headquartered in Sparta, Michigan with 56 offices across Michigan.","Expected to be the 3rd largest publicly traded Michigan bank holding company by assets (~$4.3B).","Transaction expected to close in Q1 2025, pending regulatory approvals and customary conditions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":200370,"accession_number":"0000905729-24-000162","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2024-11-04T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"ChoiceOne Q3 2024 snapshot: $2.73B assets, 1.09% ROAA, pending Fentura merger","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Total assets $2.726B, deposits $2.208B, gross loans $1.51B as of Sept 30, 2024.","Q3 2024 annualized ROAA 1.09%, ROAE 12.36%; adjusted ROAA 1.19%, ROAE 13.42%.","Core loan growth 14.0% trailing 12 months; non-brokered deposits grew 19.5% annualized in Q3.","Net interest margin (tax-equivalent) 3.23% in Q3 2024; efficiency ratio 60.80% (adjusted 58.22%).","Pending merger with Fentura Financial ($1.8B assets) announced July 25, subject to approvals."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":200369,"accession_number":"0000950170-24-116631","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2024-10-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"ChoiceOne Q3 net income $7.3M (+43% YoY), EPS $0.85, NIM expands to 3.17%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $7.348M vs $5.122M YoY (+43.5%); diluted EPS $0.85 ($0.93 adjusted for merger costs).","GAAP NIM 3.17% (up from 2.95% Q2 2024, 2.64% Q3 2023); net interest income $20.2M.","Core loan organic growth $64.5M (18.4% annualized); deposits ex-brokered up $102.1M (19.5% annualized).","Nonperforming loans 0.19% of total loans; net charge-offs 0.02% annualized.","Completed $34.5M capital raise (1.38M shares at $25) and announced merger with Fentura ($1.8B assets)."],"consensus_eps_estimate":null,"consensus_eps_actual":2.46,"consensus_revenue_estimate":null,"consensus_revenue_actual":103067000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216402,"accession_number":"0001140361-24-034331","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2024-07-26T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"ChoiceOne closes $34.5M common stock offering; funds merger with Fentura","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Sold 1.38M shares at $25.00 each, including full exercise of 180,000-share over-allotment.","Gross proceeds of ~$34.5M; net proceeds of ~$32.4M after underwriting discounts.","Net proceeds to be used for general corporate purposes, including regulatory capital and pending merger with Fentura Financial, Inc.","D.A. Davidson & Co. acted as sole book-running manager; shares trade on NASDAQ under COFS."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216401,"accession_number":"0001140361-24-034115","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2024-07-25T23:59:59+00:00","items":["1.01","8.01","9.01"],"status":"ready","headline":"ChoiceOne prices 1.2M share offering at $25/sh, net $28.2M for general purposes and merger","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Offering of 1,200,000 shares at $25.00 per share for gross proceeds of ~$30.0M.","Net proceeds estimated at ~$28.2M after underwriting discounts and before expenses.","Underwriter granted 30-day option to purchase up to 180,000 additional shares for over-allotments.","Proceeds to be used for general corporate purposes, including supplementing regulatory capital and in conjunction with the announced Fentura Financial merger.","Closing expected on or about July 26, 2024, subject to customary conditions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216400,"accession_number":"0001140361-24-034098","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2024-07-25T23:59:59+00:00","items":["1.01","8.01","9.01"],"status":"ready","headline":"ChoiceOne files 8-K with no material narrative; XBRL data only","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Filing reports items 1.01, 8.01, and 9.01 but contains no press release or exhibit text.","The filing body consists solely of XBRL markup; no specific facts or events are disclosed.","Investors cannot derive any new material information from the XBRL instance alone."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.05,"calibrated_materiality_score":0.05,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216399,"accession_number":"0000950170-24-086305","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2024-07-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"ChoiceOne reports Q2 net income $6.6M, EPS $0.87, NIM expands to 2.95%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $6.586M ($0.87 diluted EPS) for Q2 2024 vs $5.213M ($0.69) YoY, up 26.3%.","GAAP net interest margin 2.95% in Q2 vs 2.67% prior quarter and 2.79% YoY; NII $18.4M aided by swap settlements of $974k.","Core loans grew organically $12.4M annualized 3.6%; deposits ex-brokered decreased $44.4M due to seasonal public funds.","Nonperforming loans only 0.16% of total loans; allowance for credit losses 1.12% of loans.","Bank well-capitalized with risk-based capital ratio 13.2% at June 30, 2024; shareholders' equity $214.5M."],"consensus_eps_estimate":null,"consensus_eps_actual":1.61,"consensus_revenue_estimate":null,"consensus_revenue_actual":66510000.0,"consensus_period":"2024-06-30","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235972,"accession_number":"0000905729-24-000095","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2024-06-03T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"ChoiceOne shareholders elect all five director nominees, approve say-on-pay, ratify auditor","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Directors Burns, Coulter, McConnell, McGinnis, Page elected with 3.9M+ votes each; broker non-votes 1,500,183.","Advisory say-on-pay approved with 3,593,667 for, 348,143 against, 151,657 abstain.","Ratification of Plante & Moran as auditor passed with 5,540,647 for, 39,720 against, 13,283 abstain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235971,"accession_number":"0000905729-24-000094","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2024-05-29T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"ChoiceOne files annual meeting presentation with historical financials; no new material disclosures","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Presentation includes FY2023 results: ROAA 0.85%, ROAE 12.00%, net income $18.3M (adjusted).","Core loan growth of 16.9% in 2023; total assets $2.58B as of 12/31/2023.","Dividend yield 3.6%; P/E ratio 10.4x as of 12/31/2023.","Risk management update: $401M notional interest rate swaps; $170M BTFP refinanced in Jan 2024.","Annual meeting agenda includes director elections, advisory vote on exec compensation, and auditor ratification."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235970,"accession_number":"0000905729-24-000089","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2024-05-07T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"ChoiceOne investor presentation shows Q1 2024 annualized ROAA 0.86%, ROAE 11.26%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total assets $2.67B, deposits $2.19B, gross loans $1.42B as of March 31, 2024.","Q1 2024 annualized ROAA 0.86%, ROAE 11.26%, NIM (tax-equiv) 2.74%, efficiency ratio 64.55%.","Deposits ex-brokered grew 8.6% annualized in Q1; noninterest-bearing deposits 23% of total.","Asset quality: NPLs/loans 0.13%, net charge-offs annualized 0.01%, ACL 1.13% of loans.","Capital ratios: Total capital 13.3%, Tier 1 leverage 9.4%; unused borrowing capacity $960.7M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.74,"consensus_revenue_estimate":null,"consensus_revenue_actual":32483000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235969,"accession_number":"0000950170-24-047566","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2024-04-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"ChoiceOne Q1 EPS $0.74 (flat YoY); forward swaps add $732K/mo to NII starting May","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $5.6M, essentially flat; diluted EPS $0.74 vs $0.75 in Q1 2023.","Core loan balances up 14.7% YoY to $1.41B; deposits ex-brokered up 3.7% YoY to $2.1B.","Net interest margin (FTE) 2.74%, down from 3.09% YoY but up from 2.72% QoQ.","Noninterest expense down $311K YoY to $13.7M; expects ~$700K annual savings from branch closures.","$200M forward starting pay-fixed swaps (2.75% fixed, receive SOFR) start late Apr; add $432K/mo to NII, plus $300K/mo amortization ends in May."],"consensus_eps_estimate":null,"consensus_eps_actual":0.74,"consensus_revenue_estimate":null,"consensus_revenue_actual":32483000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253719,"accession_number":"0000950170-24-007227","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2024-01-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"ChoiceOne Q4 net income $5.3M ($0.70 EPS), core loans grow $105M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $5.293M ($0.70 diluted EPS) vs $6.684M ($0.89) a year ago; full-year $21.261M ($2.82) vs $23.640M ($3.15).","Core loans grew organically $105.2M in Q4 (annualized 32.7%), largest single-quarter organic growth in 125 years.","Net interest margin (FTE) 2.72%, up 2 bps from Q3; deposit cost rose to 1.57% from 1.36%.","Nonperforming loans only 0.13% of total loans; provision for credit losses $375,000.","Plans to consolidate two branches by March 2025, expecting ~$700K annual savings."],"consensus_eps_estimate":null,"consensus_eps_actual":2.82,"consensus_revenue_estimate":null,"consensus_revenue_actual":113886000.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":271160,"accession_number":"0000905729-23-000153","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2023-11-02T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"ChoiceOne Q3 2023 snapshot: $2.57B assets, 12.28% ROAE, 5.3% dividend yield","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["As of 9/30/23: total assets $2.574B, deposits $2.133B, gross loans $1.315B; market cap $148M.","Annualized ROAE 12.28%, ROAA 0.87%, NIM (tax-equivalent) 2.70%, efficiency ratio 65.74%.","Core loan growth of 13.6% trailing 12 months; NPLs/loans only 0.14%, Texas ratio 1.93%.","Adopted CECL Jan 1, 2023; ACL $14.9M plus $2.7M unfunded commitments reserve = 1.34% coverage.","Borrowed $160M from Fed BTFP at 4.71% fixed for 1 year; $401M notional pay-fixed swaps hedge rate risk."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":271159,"accession_number":"0000950170-23-055008","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2023-10-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"ChoiceOne Q3 net income down 12% to $0.68 EPS; core loans grow 19.8%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $5.1M ($0.68 diluted EPS) vs $5.8M ($0.77) in Q3 2022.","Net interest margin (FTE) fell to 2.70% from 2.86% in Q2 2023.","Core loans grew organically $60.6M or 19.8% annualized during Q3.","Deposits (ex-brokered) increased $48.9M or 9.6% annualized in Q3.","Asset quality strong: nonperforming loans 0.14%, annualized charge-offs 0.05%."],"consensus_eps_estimate":null,"consensus_eps_actual":2.12,"consensus_revenue_estimate":null,"consensus_revenue_actual":8514000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":271158,"accession_number":"0000905729-23-000149","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2023-10-23T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Director David J. Churchill retires from ChoiceOne board; size reduced to 13","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["David J. Churchill resigned from the board effective Oct 22, 2023 under mandatory retirement policy.","Board declined to fill vacancy, decreasing board size from 14 to 13 directors.","No disagreement between Churchill and ChoiceOne on any matter relating to operations or policies."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":288034,"accession_number":"0000905729-23-000127","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2023-09-06T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"ChoiceOne Financial Services reports financial snapshot as of June 30, 2023","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Total assets $2.48B, deposits $2.09B, gross loans $1.27B as of June 30, 2023.","Annualized ROAA 0.90%, ROAE 12.75%; CET1 ratio 10.5%.","NPAs/total assets 0.07%, net charge-offs 1 bps trailing 12 months.","Loan-to-deposit ratio 61%; core deposits 89%, noninterest-bearing 26%.","Uses $401M notional interest rate swaps and $160M BTFP borrowing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":288033,"accession_number":"0000950170-23-034709","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2023-07-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"ChoiceOne Q2 net income falls to $5.21M; diluted EPS $0.69, core loans grow 4.9%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 2023 net income $5.21M ($0.69 diluted EPS) vs $5.62M ($0.75 EPS) in Q2 2022.","Core loans grew $14.8M organically (4.9% annualized) during Q2; up 13.5% YoY.","Deposits (ex-brokered) fell $103.5M (-4.8%) YoY; outflows stabilized in May/June; $39M moved to Wealth dept.","Borrowed $160M from Fed BTFP at 4.71% fixed; expects $1.4M savings vs FHLB alternative.","Cost of deposits rose to 0.98% from 0.19% prior year; net charge-offs low at 0.02% annualized."],"consensus_eps_estimate":null,"consensus_eps_actual":1.44,"consensus_revenue_estimate":null,"consensus_revenue_actual":5578000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":308443,"accession_number":"0000905729-23-000101","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2023-06-30T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"ChoiceOne board member Nels W. Nyblad resigns due to mandatory retirement policy","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Nels W. Nyblad resigned from the Board on June 28, 2023, under the company's mandatory retirement requirement.","No known disagreement between Nyblad and ChoiceOne on any operations, policies, or practices.","Board voted not to fill the vacancy, decreasing board size from 15 to 14 directors effective same day."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":308442,"accession_number":"0000905729-23-000094","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2023-05-26T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"ChoiceOne shareholders elect directors, approve say-on-pay, ratify auditor at annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All five director nominees elected: Brophy, Burke, Essex, Hendon, Wendling with >3.6M votes for each.","Advisory say-on-pay approved: 3,318,890 for, 354,780 against, 147,998 abstain, 1,606,671 broker non-votes.","Ratification of Plante & Moran as auditor passed: 5,347,243 for, 21,689 against, 59,407 abstain.","Next advisory vote on executive compensation will occur at 2024 annual meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":308441,"accession_number":"0000905729-23-000092","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2023-05-24T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"ChoiceOne holds annual meeting; presentation provides no new financial data","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Presentation furnished as Exhibit 99.1 covers agenda: director elections, say-on-pay vote, auditor ratification.","CEO Kelly Potes and President Michael Burke Jr. presented, but no financial results or guidance were disclosed.","No material business updates or numeric data appear in the furnished materials."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":308440,"accession_number":"0000950170-23-014797","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2023-04-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"ChoiceOne Q1 net income $5.63M ($0.75 EPS) down 15.7% sequentially; core loans grow 7% annualized","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $5.63M ($0.75 diluted EPS) vs $6.68M ($0.89) in Q4 2022 and $5.53M ($0.74) in Q1 2022.","Core loans grew $20.8M (7.0% annualized) in Q1 and $191.7M (18.8%) YoY, driven by new Michigan relationships.","Deposits ex-brokered fell $77.5M (3.6% YoY); $33.6M moved to ChoiceOne Wealth due to rate competition.","Adopted CECL Jan 1, increasing allowance for credit losses by $7.2M and adding $3.3M liability for unfunded loans.","Shareholders' equity dropped to $168.7M from $191.1M YoY; bank remains well-capitalized at 13.0% risk-based capital."],"consensus_eps_estimate":null,"consensus_eps_actual":0.75,"consensus_revenue_estimate":null,"consensus_revenue_actual":2784000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":327256,"accession_number":"0001437749-23-001765","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2023-01-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"ChoiceOne Q4 net income $6.7M, EPS $0.89; core loan growth 20.3% annualized","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $6.7M in Q4 2022 vs $5.0M in Q4 2021; diluted EPS $0.89 vs $0.66.","Full year 2022 net income $23.6M, EPS $3.15 vs $22.0M, $2.86 in 2021.","Core loans grew organically $57.4M in Q4 (20.3% annualized) and $206.1M for 2022.","Deposits rose $65.7M for 2022 but declined $38.7M in Q4 due to seasonality and competition.","Expects CECL adoption on Jan 1, 2023 to increase loan loss reserve by $6.5-7.0M."],"consensus_eps_estimate":null,"consensus_eps_actual":3.15,"consensus_revenue_estimate":null,"consensus_revenue_actual":89132000.0,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":344977,"accession_number":"0000905729-22-000218","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2022-11-08T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"ChoiceOne provides investor presentation; no specific material updates disclosed","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Investor presentation made available for meetings starting November 8, 2022.","No financial results, guidance, or material events referenced in the 8-K text.","Exhibit 99.1 contains the presentation but its content was not excerpted in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":344976,"accession_number":"0001437749-22-024792","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2022-10-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"ChoiceOne Q3 net income $5.8M (+1% YoY), diluted EPS $0.77; core loans grow 19.6% annualized","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $5.813M vs $5.749M in Q3 2021; diluted EPS $0.77 vs $0.75.","Core loans (ex-PPP) grew organically $52.8M or 19.6% annualized in Q3; $205.2M (22.1%) YoY.","Deposits grew $18.2M (3.4% annualized) in Q3; deposit expense up $786K in 9M 2022 vs 9M 2021.","Total assets $1.47B, up $86.3M YoY; shareholders' equity fell to $156.7M from $225.1M due to unrealized securities losses.","Bank remains well-capitalized, total risk-based capital ratio 12.8%; no share repurchases in Q3."],"consensus_eps_estimate":null,"consensus_eps_actual":2.26,"consensus_revenue_estimate":null,"consensus_revenue_actual":8511000.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":361461,"accession_number":"0000905729-22-000188","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2022-09-22T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"ChoiceOne board changes: Cronin retires, Coulter and Wendling appointed","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Patrick Cronin retired from ChoiceOne and ChoiceOne Bank boards effective Sept 21 after nearly 30 years.","Curt Coulter, D.O., appointed to board; will serve on Governance and Nominating Committee.","Michelle Wendling appointed to board; board size increased from 14 to 15 directors.","Both new directors also serve on the ChoiceOne Bank board.","No disagreements or related-party transactions disclosed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":361460,"accession_number":"0000905729-22-000185","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2022-09-07T23:59:59+00:00","items":["7.01","9.09","9.01"],"status":"ready","headline":"ChoiceOne furnishes investor presentation under Regulation FD; no specific data provided","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Presentation filed as Exhibit 99.1 on September 7, 2022.","No financial or strategic details from the presentation are available in the filing excerpt.","Management will use materials in meetings with investors starting September 7, 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":361459,"accession_number":"0000905729-22-000169","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2022-07-29T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"ChoiceOne authorizes repurchase of up to 375,388 shares (5% of outstanding)","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized repurchase of up to 375,388 shares, equal to 5% of outstanding common stock.","Repurchases may occur via open market, private negotiations, tender offer, or other means.","New program replaces and supersedes all prior stock repurchase programs.","Repurchased shares will become authorized but unissued shares of common stock."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":361458,"accession_number":"0001437749-22-017882","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2022-07-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"ChoiceOne Q2 net income $5.6M, EPS $0.75; core loans grow 23.8% annualized","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $5.615M ($0.75 diluted EPS) vs $5.043M ($0.65) in Q2 2021.","Core loans grew organically $60.7M (23.8% annualized) in Q2; commercial loans drove $42.0M.","Total deposits up 13.7% YoY to $257.8M; interest expense rose only 3.5% in H1.","No provision for loan losses; allowance 0.69% of total loans.","Expanding into Oakland County with a new loan production office."],"consensus_eps_estimate":null,"consensus_eps_actual":1.49,"consensus_revenue_estimate":null,"consensus_revenue_actual":5608000.0,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":361457,"accession_number":"0000905729-22-000151","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2022-07-05T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"ChoiceOne director David Bush retires; Bruce Essex appointed to board","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["David H. Bush resigned effective July 25, 2022, per mandatory retirement policy.","Bruce John Essex, Jr. appointed to fill vacancy effective same date, term through 2023 annual meeting.","Essex currently serves on ChoiceOne Bank board; no material transactions or disagreements reported.","Essex will receive standard director compensation as described in 2022 proxy."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":380775,"accession_number":"0000905729-22-000140","cik":803164,"company_name":"CHOICEONE FINANCIAL SERVICES INC","ticker":"COFS","form_type":"8-K","filed_at":"2022-05-27T23:59:59+00:00","items":["5.02","5.07"],"status":"ready","headline":"Shareholders approve 2022 equity incentive plan, employee stock purchase plan, elect directors","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All five director nominees elected: Armock, Burrough, Churchill, Nyblad, Potes each received ~3.88-3.91M votes for, ~81-104K withheld.","Equity Incentive Plan of 2022 approved: 3,582,650 for, 346,813 against, 59,595 abstain.","2022 Employee Stock Purchase Plan approved: 3,609,245 for, 246,576 against, 133,237 abstain.","Advisory say-on-pay proposal approved: 3,436,050 for, 480,403 against, 72,605 abstain.","Ratification of Plante & Moran as auditor for 2022: 5,248,967 for, 27,731 against, 32,873 abstain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":472761858.46658295,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":"2022-05-27T23:59:59+00:00|380775"}