{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-060598","form_type":"8-K","ticker":"COFS","cik":"0000803164","company_name":"CHOICEONE FINANCIAL SERVICES INC","filed_at":"2025-04-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.333480+00:00","generated_at":"2026-05-23T03:05:38.372474+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"ChoiceOne reports Q1 net loss of $13.9M on $17.2M merger expenses; adjusted net income $9.3M","bullets":["Net loss of $13.9M ($1.29 diluted loss) vs Q1 2024 net income of $5.6M ($0.74 EPS).","Adjusted net income (excl. merger costs and provision) of $9.3M; adjusted diluted EPS $0.86.","Completed Fentura merger on March 1, 2025, adding $1.8B in assets, $1.4B loans, $1.4B deposits.","GAAP NIM rose to 3.43% from 2.67% YoY; core loans organically grew 10.6% annualized in Q1.","Asset quality strong: annualized net charge-offs 0.01%, nonperforming loans 0.65% of total loans."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-060598","json":"https://secwatch.observer/filing/0000950170-25-060598.json","markdown":"https://secwatch.observer/filing/0000950170-25-060598.md","text":"https://secwatch.observer/filing/0000950170-25-060598.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/803164/000095017025060598/0000950170-25-060598-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/803164/000095017025060598/cofs-20250430.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T03:05:38.372474+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"}