---
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"
generated_at: "2026-05-14T23:40:01.476141+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000905729-26-000093
- JSON: https://secwatch.observer/filing/0000905729-26-000093.json
- Plain text: https://secwatch.observer/filing/0000905729-26-000093.txt

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