{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-22-017882","form_type":"8-K","ticker":"COFS","cik":"0000803164","company_name":"CHOICEONE FINANCIAL SERVICES INC","filed_at":"2022-07-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:58.183478+00:00","generated_at":"2026-06-24T08:25:07.387753+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 Q2 net income $5.6M, EPS $0.75; core loans grow 23.8% annualized","bullets":["Net income $5.615M ($0.75 diluted EPS) vs $5.043M ($0.65) in Q2 2021.","Core loans grew organically $60.7M (23.8% annualized) in Q2; commercial loans drove $42.0M.","Total deposits up 13.7% YoY to $257.8M; interest expense rose only 3.5% in H1.","No provision for loan losses; allowance 0.69% of total loans.","Expanding into Oakland County with a new loan production office."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-22-017882","json":"https://secwatch.observer/filing/0001437749-22-017882.json","markdown":"https://secwatch.observer/filing/0001437749-22-017882.md","text":"https://secwatch.observer/filing/0001437749-22-017882.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/803164/000143774922017882/0001437749-22-017882-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/803164/000143774922017882/cofs20220609_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T08:25:07.387753+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"}