---
schema_version: "secwatch.filing_event.v1"
accession: "0000905729-24-000094"
form_type: "8-K"
ticker: "COFS"
cik: "0000803164"
company_name: "CHOICEONE FINANCIAL SERVICES INC"
filed_at: "2024-05-29T23:59:59+00:00"
generated_at: "2026-06-01T07:50:29.036896+00:00"
event_type: "other"
sentiment: "neutral"
materiality_score: 0.15
calibrated_materiality_score: 0.15
confidence: "high"
source: SEC EDGAR
---

# ChoiceOne files annual meeting presentation with historical financials; no new material disclosures

## Summary
- Presentation includes FY2023 results: ROAA 0.85%, ROAE 12.00%, net income $18.3M (adjusted).
- Core loan growth of 16.9% in 2023; total assets $2.58B as of 12/31/2023.
- Dividend yield 3.6%; P/E ratio 10.4x as of 12/31/2023.
- Risk management update: $401M notional interest rate swaps; $170M BTFP refinanced in Jan 2024.
- Annual meeting agenda includes director elections, advisory vote on exec compensation, and auditor ratification.

## SEC filing metadata
- accession: 0000905729-24-000094
- form_type: 8-K
- ticker: COFS
- cik: 0000803164
- company_name: CHOICEONE FINANCIAL SERVICES INC
- filed_at: 2024-05-29T23:59:59+00:00
- event_type: other
- sentiment: neutral
- materiality_score: 0.15
- calibrated_materiality_score: 0.15
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/803164/000090572924000094/0000905729-24-000094-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/803164/000090572924000094/choice8k_0529204.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000905729-24-000094
- JSON: https://secwatch.observer/filing/0000905729-24-000094.json
- Plain text: https://secwatch.observer/filing/0000905729-24-000094.txt

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