Welcome to our dedicated page for Choiceone Finl Svcs SEC filings (Ticker: COFS), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Tracking how a community bank manages rising interest rates or the impact of its pending Fentura merger can feel buried inside hundreds of pages of ChoiceOne Financial Services (NASDAQ: COFS) disclosures. That’s why investors start here.
Stock Titan automatically pulls every new document straight from EDGAR and layers in AI-powered summaries that explain ChoiceOne’s 10-K annual report, 10-Q quarterly earnings report, and 8-K material events in clear language. Wondering, “Where do I find ChoiceOne insider trading Form 4 transactions in real-time?” or “How can I read ChoiceOne’s proxy statement on executive compensation without wading through footnotes?” You’ll get concise answers plus instant alerts whenever directors buy or sell.
Use our platform to:
- Scan Form 4 insider transactions to spot executive stock moves before they hit the headlines.
- Compare net interest margin trends across consecutive quarterly earnings report 10-Q filings.
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- Dive into merger updates via each 8-K material events explained paragraph.
Because regional bank filings demand context, Stock Titan’s expert analysis links ChoiceOne’s credit quality metrics, liquidity sources like FHLB advances, and branch efficiency strategies directly to the exact page reference in the filing. Real-time updates mean you never miss a disclosure, and plain-English summaries help you make informed decisions faster.
Steven Theodore Krause, a director of CHOICEONE FINANCIAL SERVICES INC (COFS), reported a Form 4 transaction dated 08/13/2025 affecting common stock. The filing shows a transaction coded "G" for 660 shares at a price of $30.38, and lists 32,815.1533 shares held directly.
The Form also discloses indirect holdings by allocation: 15,067.7408 shares held by a trust and four allocations to grandchildren of 5,491, 5,492, 3,499, and 660 shares. The filing was signed by a power of attorney on 08/14/2025.
Fourthstone and affiliated entities report beneficial ownership of 1,142,959 shares of ChoiceOne Financial Services common stock, equal to 7.63% of the outstanding share class based on 14,984,253 shares reported by the issuer. The filing states these holdings are held in the ordinary course by Fourthstone as a registered investment adviser and by related funds and principals and that the securities were not acquired to change or influence control of the company. The positions are allocated across Fourthstone entities and an individual principal, reflecting a single manager's exposure across multiple vehicles.
ChoiceOne Financial Services director Steven Theodore Krause filed a Form 4 reporting stock transactions dated 08/12/2025. The filing lists a disposition of 3,300 common shares and multiple entries of 660-share transfers described as indirect (by grandchild). The record also shows an indirect trust position of 15,067.7408 shares. Reported transaction code is "G" and a price of $28.96 appears on the reported lines. The form is signed on 08/13/2025.
ChoiceOne reported stronger quarterly operating results driven by a completed merger that materially expanded its balance sheet. For the quarter, net income was $13.534 million versus $6.586 million a year earlier and diluted EPS was $0.90 versus $0.87. Net interest income roughly doubled to $36.322 million, reflecting higher loan balances after the acquisition.
The March merger of Fentura added substantial scale: total assets grew to $4.31 billion from $2.72 billion at year-end, loans held for investment rose to $2.921 billion, and deposits to $3.593 billion. Acquisition accounting increased goodwill to $126.73 million and intangible assets to $33.42 million. The company recorded a $13.813 million six-month provision for credit losses tied to acquired loans and reported higher noninterest expense, including $17.369 million of merger-related costs during the six months, producing a six-month net loss of $0.372 million.
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