{"schema_version":"secwatch.filing_event.v1","accession":"0000905729-26-000032","form_type":"8-K","ticker":"COFS","cik":"0000803164","company_name":"CHOICEONE FINANCIAL SERVICES INC","filed_at":"2026-02-04T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.732267+00:00","generated_at":"2026-05-16T05:09:29.169113+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"ChoiceOne reports $4.4B assets, 12.87% adj ROAE for FY2025; Fentura merger integrated","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000905729-26-000032","json":"https://secwatch.observer/filing/0000905729-26-000032.json","markdown":"https://secwatch.observer/filing/0000905729-26-000032.md","text":"https://secwatch.observer/filing/0000905729-26-000032.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/803164/000090572926000032/0000905729-26-000032-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/803164/000090572926000032/choice8k_020426.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T05:09:29.169113+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"}