Choiceone Finl Svcs Inc SEC Filings

ChoiceOne Financial Services reported stronger Q3 2025 results following its March merger with Fentura. Net income was $14.7 million, up from $7.3 million a year ago, and diluted EPS was $0.97 versus $0.85. Net interest income rose to $37.6 million from $20.2 million as loan interest grew with a larger balance sheet. The provision for credit losses was $0.2 million, compared with $0.4 million last year.

Noninterest income increased to $7.1 million from $4.9 million, led by higher service charges and interchange. Noninterest expense rose to $26.2 million from $15.4 million, reflecting scale and higher amortization. At quarter‑end, total assets were $4.30 billion (up from $2.72 billion at December 31, 2024), loans, net were $2.88 billion (vs. $1.53 billion), and deposits were $3.57 billion (vs. $2.21 billion). The allowance for credit losses was $34.8 million (vs. $16.6 million).

During 2025, the company issued 6,070,836 shares as merger consideration and recorded cash received of $173.1 million from the merger. Shareholders’ equity ended at $449.6 million, with 15,017,802 shares outstanding at September 30, 2025. As of October 31, 2025, shares outstanding were 15,023,732.

ChoiceOne Financial Services (COFS) furnished an investor presentation as Exhibit 99.1 under Item 7.01. Management plans to use these materials in meetings with investors beginning November 6, 2025. The materials are furnished to, and not filed with, the Commission.

ChoiceOne Financial Services, Inc. furnished a press release as Exhibit 99.1 in a Form 8-K. The press release, dated October 24, 2025, is incorporated by reference and is expressly stated as furnished to, not filed with, the Commission.

The company’s common stock trades on the NASDAQ Capital Market under the symbol COFS.

Michelle M. Wendling, a director of CHOICEONE FINANCIAL SERVICES INC (COFS), reported a purchase of 237 shares of the company's common stock on 10/01/2025 at a price of $28.96 per share. After the transaction she beneficially owns 6,798 shares, held directly. The Form 4 was signed by a power of attorney on 10/03/2025.

Brian P. Petty, a director of ChoiceOne Financial Services Inc. (COFS), reported a purchase of 574 shares of the issuer's common stock on 10/01/2025 at a price of $28.96 per share. After the transaction, the reporting person beneficially owns 105,544 shares. The Form 4 was signed by Christian D. Rhoades by power of attorney on 10/03/2025. This filing reports a single non-derivative acquisition by an insider and discloses the resulting total beneficial ownership.

ChoiceOne Financial Services director Roxanne M. Page reported an insider purchase of 238 shares of the company's common stock on 10/01/2025 at a price of $28.96 per share. After the transaction, Ms. Page beneficially owns 6,643.4488 shares directly and 2,152.7237 shares indirectly through an IRA, as disclosed on a Form 4 filed and signed by a power of attorney on 10/03/2025. The filing indicates the purchase was coded as an acquisition (Code A) and reports both direct and indirect ownership positions.

Bradley F. McGinnis, a director of CHOICEONE FINANCIAL SERVICES INC (COFS), reported an open-market purchase on 10/01/2025. The filing shows he acquired 574 shares of the issuer's common stock at a price of $28.96 per share.

Following the transaction, Mr. McGinnis beneficially owns 12,575 shares directly and 14,301 shares indirectly through Megawall Corporation. The Form 4 was signed by Christian D. Rhoades by power of attorney on 10/03/2025.

ChoiceOne Financial Services Inc. (COFS) Director Gregory A. McConnell reported purchasing 238 shares of the issuer's common stock on 10/01/2025 at a reported price of $28.96 per share. After the transaction, the reporting person beneficially owns 34,167 shares, held directly. The Form 4 was signed by power of attorney on 10/03/2025. The filing shows a single non-derivative acquisition and no derivative transactions disclosed.

Steven Theodore Krause, a director of ChoiceOne Financial Services Inc. (COFS), reported an acquisition and other changes on 10/01/2025. He acquired 574 shares of Common Stock at a purchase price of $28.96. The filing shows beneficial ownership entries including 15,719.0669 shares held indirectly by a trust and an entry of 32,864.0416 shares shown as disposed (D) on the form. The explanatory footnotes state that 77.3261 shares and 48.8883 shares were acquired via reinvestment of cash dividends.

This Form 4 is administrative disclosure of insider activity: it lists the transaction type, price, and post-transaction ownership amounts and identifies indirect holdings by trust and grandchildren. The filing is signed by a power of attorney on behalf of the reporting person and reports the earliest transaction date as 10/01/2025.