{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-098569","form_type":"8-K","ticker":"COFS","cik":"0000803164","company_name":"CHOICEONE FINANCIAL SERVICES INC","filed_at":"2025-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.413458+00:00","generated_at":"2026-05-18T01:43:06.620754+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"ChoiceOne reports Q2 2025 net income $13.5M, EPS $0.90; net interest margin expands to 3.66%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-098569","json":"https://secwatch.observer/filing/0000950170-25-098569.json","markdown":"https://secwatch.observer/filing/0000950170-25-098569.md","text":"https://secwatch.observer/filing/0000950170-25-098569.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/803164/000095017025098569/0000950170-25-098569-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/803164/000095017025098569/cofs-20250725.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T01:43:06.620754+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"}