---
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"
generated_at: "2026-05-20T11:36:04.336531+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# ChoiceOne reports Q1 2026 net income $13.7M; FY 2025 adjusted EPS $3.70

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000905729-26-000107
- JSON: https://secwatch.observer/filing/0000905729-26-000107.json
- Plain text: https://secwatch.observer/filing/0000905729-26-000107.txt

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