{"schema_version":"secwatch.filing_event.v1","accession":"0000905729-26-000107","form_type":"8-K","ticker":"COFS","cik":"0000803164","company_name":"CHOICEONE FINANCIAL SERVICES INC","filed_at":"2026-05-20T11:31:36+00:00","discovered_at":"2026-05-20T11:35:00.451019+00:00","generated_at":"2026-05-20T11:36:04.336531+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"ChoiceOne reports Q1 2026 net income $13.7M; FY 2025 adjusted EPS $3.70","bullets":["Q1 2026 net income $13.7M, basic EPS $0.91; total assets $4.4B, deposits $3.7B, loans $3.0B.","FY 2025 net income $28.2M ($2.02 basic EPS); adjusted net income $51.5M ($3.70 adjusted EPS).","Merger with Fentura (Mar 1, 2025) added $1.8B in assets, $1.4B loans, $1.4B deposits.","Q1 2026 annualized adj. ROAE 11.65%; adj. ROAA 1.24%.","Q1 2026 cash dividend $0.29 per share; annualized yield ~3.8%."],"urls":{"canonical":"https://secwatch.observer/filing/0000905729-26-000107","json":"https://secwatch.observer/filing/0000905729-26-000107.json","markdown":"https://secwatch.observer/filing/0000905729-26-000107.md","text":"https://secwatch.observer/filing/0000905729-26-000107.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/803164/000090572926000107/0000905729-26-000107-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/803164/000090572926000107/choice8k_052026.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-20T11:36:04.336531+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"}