{"schema_version":"secwatch.filing_event.v1","accession":"0000803164-25-000011","form_type":"8-K","ticker":"COFS","cik":"0000803164","company_name":"CHOICEONE FINANCIAL SERVICES INC","filed_at":"2025-05-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.333747+00:00","generated_at":"2026-05-20T23:17:55.885621+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"ChoiceOne posts Q1 GAAP net loss of $13.9M on Fentura merger costs; adjusted EPS rises to $0.87","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."],"urls":{"canonical":"https://secwatch.observer/filing/0000803164-25-000011","json":"https://secwatch.observer/filing/0000803164-25-000011.json","markdown":"https://secwatch.observer/filing/0000803164-25-000011.md","text":"https://secwatch.observer/filing/0000803164-25-000011.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/803164/000080316425000011/0000803164-25-000011-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/803164/000080316425000011/choice8k_052125.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-20T23:17:55.885621+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}