{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-007734","form_type":"8-K","ticker":"COFS","cik":"0000803164","company_name":"CHOICEONE FINANCIAL SERVICES INC","filed_at":"2025-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.385034+00:00","generated_at":"2026-05-27T21:33:23.561096+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"ChoiceOne Q4 net income $7.2M, up 35% YoY; EPS $0.79; core loans grow 11% annualized","bullets":["Net income $7.159M in Q4, up 35.3% YoY; adjusted net income $7.532M; diluted EPS $0.79 ($0.83 adjusted).","Core loans grew $40.3M (annualized 11.0%) in Q4; full-year 2024 organic loan growth $114.5M (8.2%).","Deposits (ex-brokered) declined $24M in Q4 due to seasonal public fund outflows; up $79M in 2024.","Asset quality strong: nonperforming loans to total loans 0.27%; annualized net charge-offs 0.04%.","Pending merger with Fentura Financial and State Bank expected to close in Q1 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-007734","json":"https://secwatch.observer/filing/0000950170-25-007734.json","markdown":"https://secwatch.observer/filing/0000950170-25-007734.md","text":"https://secwatch.observer/filing/0000950170-25-007734.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/803164/000095017025007734/0000950170-25-007734-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/803164/000095017025007734/cofs-20250122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T21:33:23.561096+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"}