{"schema_version":"secwatch.filing_event.v1","accession":"0000905729-23-000127","form_type":"8-K","ticker":"COFS","cik":"0000803164","company_name":"CHOICEONE FINANCIAL SERVICES INC","filed_at":"2023-09-06T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.683278+00:00","generated_at":"2026-06-10T23:41:04.108951+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"ChoiceOne Financial Services reports financial snapshot as of June 30, 2023","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."],"urls":{"canonical":"https://secwatch.observer/filing/0000905729-23-000127","json":"https://secwatch.observer/filing/0000905729-23-000127.json","markdown":"https://secwatch.observer/filing/0000905729-23-000127.md","text":"https://secwatch.observer/filing/0000905729-23-000127.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/803164/000090572923000127/0000905729-23-000127-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/803164/000090572923000127/choice8k_090623.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-10T23:41:04.108951+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"}