{"filings":[{"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","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,"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","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,"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","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,"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","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,"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","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,"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%","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,"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","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,"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%","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,"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","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,"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","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,"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","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,"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","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,"daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}