{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-116631","form_type":"8-K","ticker":"COFS","cik":"0000803164","company_name":"CHOICEONE FINANCIAL SERVICES INC","filed_at":"2024-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.053700+00:00","generated_at":"2026-05-30T11:18:07.027768+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"ChoiceOne Q3 net income $7.3M (+43% YoY), EPS $0.85, NIM expands to 3.17%","bullets":["Net income $7.348M vs $5.122M YoY (+43.5%); diluted EPS $0.85 ($0.93 adjusted for merger costs).","GAAP NIM 3.17% (up from 2.95% Q2 2024, 2.64% Q3 2023); net interest income $20.2M.","Core loan organic growth $64.5M (18.4% annualized); deposits ex-brokered up $102.1M (19.5% annualized).","Nonperforming loans 0.19% of total loans; net charge-offs 0.02% annualized.","Completed $34.5M capital raise (1.38M shares at $25) and announced merger with Fentura ($1.8B assets)."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-116631","json":"https://secwatch.observer/filing/0000950170-24-116631.json","markdown":"https://secwatch.observer/filing/0000950170-24-116631.md","text":"https://secwatch.observer/filing/0000950170-24-116631.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/803164/000095017024116631/0000950170-24-116631-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/803164/000095017024116631/cofs-20241023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T11:18:07.027768+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"}