secwatch.observer — SEC 8-K summary
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Issuer:     CHOICEONE FINANCIAL SERVICES INC (COFS)
CIK:        0000803164
Form:       8-K
Filed at:   2026-02-04T23:59:59+00:00
Accession:  0000905729-26-000032
Event type: other_material
Sentiment:  neutral
Materiality: 0.75
Item codes: 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/803164/000090572926000032/0000905729-26-000032-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/803164/000090572926000032/choice8k_020426.htm
  HTML page:      https://secwatch.observer/filing/0000905729-26-000032

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer