---
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"
generated_at: "2026-05-16T05:09:29.169113+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000905729-26-000032
- JSON: https://secwatch.observer/filing/0000905729-26-000032.json
- Plain text: https://secwatch.observer/filing/0000905729-26-000032.txt

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