ChoiceOne reports $4.4B assets, 12.87% adj ROAE for FY2025; Fentura merger integrated

CHOICEONE FINANCIAL SERVICES INC

Total assets $4.4B, deposits $3.6B, gross loans $3.0B as of Dec 31, 2025; market cap $443M.
Adjusted ROAA 1.26%, ROAE 12.87%, NIM 3.65% for full year 2025.
Core loan growth 5.7% in 2025; Q4 2025 loan yield 6.25% including 41 bps purchase accretion.
Non-performing loans 0.98% of total loans; net charge-offs 0.04% for 2025.
In Jan 2026, exited $201M of pay-fixed interest rate swaps, realizing a small gain.

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