{"schema_version":"secwatch.filing_event.v1","accession":"0000905729-26-000093","form_type":"8-K","ticker":"COFS","cik":"0000803164","company_name":"CHOICEONE FINANCIAL SERVICES INC","filed_at":"2026-05-05T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.750560+00:00","generated_at":"2026-05-14T23:40:01.476141+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"ChoiceOne Q1 2026 Adjusted EPS $0.91; NIM 3.67%; Assets $4.4B","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0000905729-26-000093","json":"https://secwatch.observer/filing/0000905729-26-000093.json","markdown":"https://secwatch.observer/filing/0000905729-26-000093.md","text":"https://secwatch.observer/filing/0000905729-26-000093.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/803164/000090572926000093/0000905729-26-000093-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/803164/000090572926000093/choice8k_050526.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-14T23:40:01.476141+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"}