Every 10-Q that Choiceone Finl Svcs Inc (COFS) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow COFS and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full COFS filings page.
ChoiceOne Financial Services reported stronger mid‑year results for the six months ended June 30, 2026. Net income was $26.2 million versus a small loss a year earlier, as net interest income rose to $73.3 million from $62.6 million on higher loan yields and a larger balance sheet.
Total assets reached $4.46 billion, with loans, net of the allowance, at $3.04 billion. Deposits were stable at $3.60 billion, while borrowings increased to $294.9 million. The allowance for credit losses stood at $35.7 million, slightly above year‑end, reflecting updated CECL modeling and peer group assumptions.
Shareholders’ equity increased to $482.7 million, aided by earnings and an improvement in accumulated other comprehensive loss as unrealized losses on securities narrowed. The company continued returning capital through dividends of $0.58 per share year‑to‑date and repurchased 85,000 shares under its ongoing buyback program.
ChoiceOne Financial Services, Inc. reported a solid turnaround for the three months ended March 31, 2026. Net income was 13,704 (dollars in thousands), compared with a net loss of 13,906 a year earlier, and basic and diluted earnings per share moved to 0.91 from a loss of 1.30.
Net interest income rose to 36,642 from 26,311 as loan interest increased, while no provision for credit losses was recorded versus 13,163 previously. Noninterest expense fell to 25,776 from 35,665, mainly because prior-year merger-related expenses did not recur. Total assets were 4,394,565, deposits grew to 3,667,391, and borrowings declined to 184,819.
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 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.