{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-23-055008","form_type":"8-K","ticker":"COFS","cik":"0000803164","company_name":"CHOICEONE FINANCIAL SERVICES INC","filed_at":"2023-10-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:32.043028+00:00","generated_at":"2026-06-09T12:29:17.198252+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"ChoiceOne Q3 net income down 12% to $0.68 EPS; core loans grow 19.8%","bullets":["Net income $5.1M ($0.68 diluted EPS) vs $5.8M ($0.77) in Q3 2022.","Net interest margin (FTE) fell to 2.70% from 2.86% in Q2 2023.","Core loans grew organically $60.6M or 19.8% annualized during Q3.","Deposits (ex-brokered) increased $48.9M or 9.6% annualized in Q3.","Asset quality strong: nonperforming loans 0.14%, annualized charge-offs 0.05%."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-23-055008","json":"https://secwatch.observer/filing/0000950170-23-055008.json","markdown":"https://secwatch.observer/filing/0000950170-23-055008.md","text":"https://secwatch.observer/filing/0000950170-23-055008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/803164/000095017023055008/0000950170-23-055008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/803164/000095017023055008/cofs-20231025.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T12:29:17.198252+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":[{"claim_id":"742fdb33bcfeab33c081429e1783106523a4e873","claim":"CHOICEONE FINANCIAL SERVICES INC reported the quarter ended September 30, 2023 results: net income $5,122,000, EPS $0.68.","evidence_excerpt":"ChoiceOne reported net income of $5,122,000 and $15,968,000 for the three and nine months ended September 30, 2023, compared to $5,813,000 and $16,956,000 for the same periods in 2022. Diluted earnings per share were $0.68 and $2.12 in the three and nine months ended September 30, 2023, compared to $0.77 and $2.26 per share in the same periods in the prior year.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/803164/000095017023055008/0000950170-23-055008-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended September 30, 2023"},{"label":"Net income","value":"$5,122,000"},{"label":"EPS","value":"$0.68"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}