{"schema_version":"secwatch.filing_event.v1","accession":"0000905729-25-000180","form_type":"8-K","ticker":"COFS","cik":"0000803164","company_name":"CHOICEONE FINANCIAL SERVICES INC","filed_at":"2025-11-06T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.214273+00:00","generated_at":"2026-05-17T00:06:02.051221+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"ChoiceOne Q3 2025: ROAA 1.36%, NIM 3.77%, efficiency ratio improves to 54.8%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0000905729-25-000180","json":"https://secwatch.observer/filing/0000905729-25-000180.json","markdown":"https://secwatch.observer/filing/0000905729-25-000180.md","text":"https://secwatch.observer/filing/0000905729-25-000180.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/803164/000090572925000180/0000905729-25-000180-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/803164/000090572925000180/choice8k_110625.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T00:06:02.051221+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"}