---
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"
generated_at: "2026-05-20T23:17:55.885621+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# ChoiceOne posts Q1 GAAP net loss of $13.9M on Fentura merger costs; adjusted EPS rises to $0.87

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000803164-25-000011
- JSON: https://secwatch.observer/filing/0000803164-25-000011.json
- Plain text: https://secwatch.observer/filing/0000803164-25-000011.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.