ChoiceOne Q3 2025: ROAA 1.36%, NIM 3.77%, efficiency ratio improves to 54.8%

CHOICEONE FINANCIAL SERVICES INC

2025-Q3 EPS reported $1.05 revenue$167,151,000

Annualized ROAA 1.36% and ROAE 13.39% for Q3 2025.
Net interest margin (tax-equivalent) 3.77%, up from 3.01% in 2024.
Efficiency ratio improved to 54.76% from 62.35% in 2024.
Total assets $4.3B, deposits $3.6B, gross loans $2.9B; Fentura merger completed March 2025.
Tangible book value per share $19.39; total capital ratio 13.0%.

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