ChoiceOne Q1 2026 Adjusted EPS $0.91; NIM 3.67%; Assets $4.4B

CHOICEONE FINANCIAL SERVICES INC

Q1 2026 adjusted EPS $0.91, ROAA 1.24%, ROAE 11.65%, efficiency ratio 55.99%.
Net interest margin (tax-equivalent) 3.67%; cost of deposits improved to 1.54%.
Total assets $4.4B, deposits $3.7B, gross loans $3.0B; core loan growth 7.5% avg since 2022.
Nonperforming loans to total loans 1.01% (up vs prior due to Fentura merger); net charge-offs 0.01%.
Tangible book value per share $20.77 (excl AOCI $23.41); total capital ratio 13.2%.

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