{"schema_version":"secwatch.filing_event.v1","accession":"0000905729-24-000162","form_type":"8-K","ticker":"COFS","cik":"0000803164","company_name":"CHOICEONE FINANCIAL SERVICES INC","filed_at":"2024-11-04T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.053903+00:00","generated_at":"2026-05-30T06:36:10.163408+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"confidence":"high","headline":"ChoiceOne Q3 2024 snapshot: $2.73B assets, 1.09% ROAA, pending Fentura merger","bullets":["Total assets $2.726B, deposits $2.208B, gross loans $1.51B as of Sept 30, 2024.","Q3 2024 annualized ROAA 1.09%, ROAE 12.36%; adjusted ROAA 1.19%, ROAE 13.42%.","Core loan growth 14.0% trailing 12 months; non-brokered deposits grew 19.5% annualized in Q3.","Net interest margin (tax-equivalent) 3.23% in Q3 2024; efficiency ratio 60.80% (adjusted 58.22%).","Pending merger with Fentura Financial ($1.8B assets) announced July 25, subject to approvals."],"urls":{"canonical":"https://secwatch.observer/filing/0000905729-24-000162","json":"https://secwatch.observer/filing/0000905729-24-000162.json","markdown":"https://secwatch.observer/filing/0000905729-24-000162.md","text":"https://secwatch.observer/filing/0000905729-24-000162.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/803164/000090572924000162/0000905729-24-000162-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/803164/000090572924000162/choice8k_110424.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T06:36:10.163408+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"}