ChoiceOne reports Q2 2025 net income $13.5M, EPS $0.90; net interest margin expands to 3.66%

CHOICEONE FINANCIAL SERVICES INC

2025-Q2 EPS reported -$0.03 revenue$105,309,000

Net income $13.5M (diluted EPS $0.90) vs $6.6M ($0.87) YoY; adjusted EPS ex-merger costs $0.91.
Net interest margin 3.66%, up from 2.95% YoY; net interest income $36.3M vs $18.4M.
Core loans organic growth 10.0% YoY; total assets $4.3B after merger adding $1.8B in assets.
Asset quality: net charge-offs 0.06%, nonperforming loans 0.66% (0.41% from acquired loans).
Merger expenses minimal going forward; provision for credit losses $650K in Q2.

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