{"schema_version":"secwatch.filing_event.v1","accession":"0000905729-24-000089","form_type":"8-K","ticker":"COFS","cik":"0000803164","company_name":"CHOICEONE FINANCIAL SERVICES INC","filed_at":"2024-05-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:22.015815+00:00","generated_at":"2026-06-02T21:23:20.037918+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"ChoiceOne investor presentation shows Q1 2024 annualized ROAA 0.86%, ROAE 11.26%","bullets":["Total assets $2.67B, deposits $2.19B, gross loans $1.42B as of March 31, 2024.","Q1 2024 annualized ROAA 0.86%, ROAE 11.26%, NIM (tax-equiv) 2.74%, efficiency ratio 64.55%.","Deposits ex-brokered grew 8.6% annualized in Q1; noninterest-bearing deposits 23% of total.","Asset quality: NPLs/loans 0.13%, net charge-offs annualized 0.01%, ACL 1.13% of loans.","Capital ratios: Total capital 13.3%, Tier 1 leverage 9.4%; unused borrowing capacity $960.7M."],"urls":{"canonical":"https://secwatch.observer/filing/0000905729-24-000089","json":"https://secwatch.observer/filing/0000905729-24-000089.json","markdown":"https://secwatch.observer/filing/0000905729-24-000089.md","text":"https://secwatch.observer/filing/0000905729-24-000089.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/803164/000090572924000089/0000905729-24-000089-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/803164/000090572924000089/choice8k_050724.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-02T21:23:20.037918+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"}