---
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"
generated_at: "2026-05-17T00:06:02.051221+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000905729-25-000180
- JSON: https://secwatch.observer/filing/0000905729-25-000180.json
- Plain text: https://secwatch.observer/filing/0000905729-25-000180.txt

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