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ChoiceOne Financial Services, Inc. reported Q2 2026 net income of $12.5 million, or $0.83 per diluted share, and six‑month net income of $26.2 million ($1.74 per diluted share), compared with a net loss of $0.4 million for the first six months of 2025. Results included a pre‑tax securities loss of about $1.9 million, which reduced diluted EPS by approximately $0.10 as the company sold lower‑yielding municipal securities to fund loan growth and improve its interest‑rate profile.
Core loans grew $87.1 million, or 11.9% annualized, in the quarter, including about $40 million of purchased adjustable‑rate residential mortgages, and total assets reached $4.5 billion. GAAP net interest margin was 3.59%, modestly lower than the prior quarter as higher earning‑asset yields were offset by slightly higher funding costs and lower accretion income. Deposits excluding brokered deposits declined $55.4 million sequentially due mainly to seasonal municipal balance fluctuations, while available secured borrowing capacity totaled $1.1 billion and uninsured deposits were $1.2 billion, or 33.1% of deposits.
Asset quality remained strong, with annualized net charge‑offs of 0.04% and nonperforming loans equal to 1.07% of total loans, including purchased credit‑deteriorated loans and partially government‑guaranteed balances. Shareholders’ equity was $482.7 million, tangible common equity to tangible assets was 7.56%, and ChoiceOne repurchased 35,000 shares in Q2 under its buyback program, which has 265,272 shares remaining. ChoiceOne Bank remained “well‑capitalized” with a total risk‑based capital ratio of 12.9%, and the company plans to open a full‑service branch and lending office in Troy, Michigan later in 2026.
CHOICEONE FINANCIAL SERVICES INC director Michelle M. Wendling received a grant of 202 shares of Common Stock at $34.00 per share. The award is classified as a grant or other acquisition rather than an open-market purchase. Following this transaction, she directly holds 7,477 shares of the company.
PETTY BRIAN P reported acquisition or exercise transactions in this Form 4 filing.
CHOICEONE FINANCIAL SERVICES INC director Brian P. Petty received a grant of 489 shares of Common Stock on July 1, 2026 at $34.00 per share as a compensation-related award. Following this grant, he directly owns 92,187 shares of the company’s common stock.
Page Roxanne M reported acquisition or exercise transactions in this Form 4 filing.
ChoiceOne Financial Services director Roxanne M. Page reported a stock-based compensation grant. She received 202 shares of Common Stock at $34.00 per share, increasing her direct holdings to 7,322.4488 shares. She also reports 2,152.7237 shares held indirectly through an IRA.
McGinnis Bradley F. reported acquisition or exercise transactions in this Form 4 filing.
CHOICEONE FINANCIAL SERVICES INC director Bradley F. McGinnis reported a stock award and updated holdings. He received a grant of 489 shares of Common Stock at $34.00 per share, bringing his direct holdings to 14,219 shares. He also reported 15,301 shares held indirectly through Megawall Corporation.
McConnell Gregory A reported acquisition or exercise transactions in this Form 4 filing.
CHOICEONE FINANCIAL SERVICES INC director Gregory A. McConnell received an award of 202 shares of Common Stock on July 1, 2026 at a price of $34.00 per share. This was a compensation-related grant, not an open-market purchase.
After this award, McConnell directly holds 37,446 shares of ChoiceOne Common Stock.
Krause Steven Theodore reported acquisition or exercise transactions in this Form 4 filing.
CHOICEONE FINANCIAL SERVICES INC director Steven Theodore Krause reported updated holdings and a stock grant of common stock. On July 1, 2026, an indirect trust account received 489 shares at $34.00 per share, bringing that trust’s holdings to 17,527.9081 shares. Krause also reported 29,843.3308 shares held directly and several indirect positions held by grandchildren of 1,285, 4,124, 6,117, and 6,116 shares. The Form 4 records a compensation-related grant, not an open-market purchase or sale.
CHOICEONE FINANCIAL SERVICES INC director Randy D. Hicks reported an indirect award of 489 shares of Common Stock to the Randy D. Hicks Trust at $34.00 per share. Following this grant, the trust’s indirect holdings reported for him total 100,015 shares, indicating a routine compensation-related acquisition rather than an open-market purchase.
ChoiceOne Financial Services director Bruce John Essex Jr reported an award of 202 shares of Common Stock. The shares were acquired on July 1, 2026 at $34.00 per share and are held indirectly through a trust. Following this grant, the trust’s holdings total 250,503 shares.
ChoiceOne Financial Services director Curt E. Coulter reported a stock award and updated holdings. He received a grant of 202 shares of Common Stock at $34.0000 per share, recorded as an acquisition. After this grant, he directly owns 11,059.9111 shares. A separate line shows 1,499.2145 shares of Common Stock held indirectly through an IRA, reflecting additional beneficial ownership.