{"schema_version":"secwatch.filing_event.v1","accession":"0000905729-23-000153","form_type":"8-K","ticker":"COFS","cik":"0000803164","company_name":"CHOICEONE FINANCIAL SERVICES INC","filed_at":"2023-11-02T23:59:59+00:00","discovered_at":"2026-05-14T18:03:32.043251+00:00","generated_at":"2026-06-09T01:21:38.779825+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"ChoiceOne Q3 2023 snapshot: $2.57B assets, 12.28% ROAE, 5.3% dividend yield","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."],"urls":{"canonical":"https://secwatch.observer/filing/0000905729-23-000153","json":"https://secwatch.observer/filing/0000905729-23-000153.json","markdown":"https://secwatch.observer/filing/0000905729-23-000153.md","text":"https://secwatch.observer/filing/0000905729-23-000153.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/803164/000090572923000153/0000905729-23-000153-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/803164/000090572923000153/choice8k_110223.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T01:21:38.779825+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"}