Every 8-K 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 8-K covers material events a company has to report between its quarterly 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, 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. filed an amended report to update the voting results from its May 20, 2026 annual shareholder meeting. Shareholders elected five directors, approved executive compensation on an advisory basis, and ratified the company’s independent auditor for the 2026 fiscal year.
Each director nominee received over 8.5 million votes in favor, with several above 9 million. The advisory vote on executive pay passed with about 8.8 million votes for, and the auditor ratification received over 11.6 million votes in favor, reflecting strong overall support for the proposals.
ChoiceOne Financial Services, Inc. reported results of its annual shareholder meeting held on May 20, 2026. Shareholders elected five directors, each receiving between 8.59 million and 9.02 million votes in favor, with broker non-votes of 2.46 million on each nominee.
Shareholders approved, on an advisory basis, the compensation of the company’s named executive officers, with 8.78 million votes for, 0.40 million against, and 0.18 million abstentions, plus 2.46 million broker non-votes. They also ratified Plante & Moran PLLC as independent registered public accounting firm for the year ending December 31, 2026, with 11.63 million votes for, 0.17 million against, and 0.01 million abstentions.
ChoiceOne Financial Services, Inc. is furnishing an investor presentation for its 39th annual shareholder meeting, outlining strategy, governance and recent performance. As of 3/31/2026, ChoiceOne reports $4.4 billion in total assets, $3.7 billion in deposits and $3.0 billion in gross loans across 54 Michigan locations.
For 2025, adjusted net income was $51.5 million, with adjusted basic earnings per share of $3.70, reflecting the impact of the Fentura merger adding $1.8 billion in assets. Adjusted return on average assets reached 1.26% and adjusted return on average equity 12.87%. The company paid $1.13 in 2025 cash dividends per share, a 3.8% dividend yield as of 12/31/2025, and continues to emphasize community banking, digital capabilities and shareholder returns.
ChoiceOne Financial Services, Inc. furnished an investor presentation outlining its first quarter 2026 profile and recent growth. As of 3/31/2026, the Michigan community bank reported $4.4 billion in total assets, $3.7 billion in deposits, and $3.0 billion in gross loans across 54 locations.
The materials highlight a community banking model paired with modern digital services and a strong awards track record in Michigan. Core loans have grown at a historical 7.5% average rate since 2022, helped by the March 2025 merger with Fentura Financial, Inc., which added about $1.8 billion in assets and 21 branches.
Profitability and balance sheet metrics show a 3.67% tax‑equivalent net interest margin and 1.24% adjusted return on average assets for Q1 2026. Asset quality remains solid, with nonperforming loans at 1.01% of total loans and annualized net charge‑offs at 0.01%. Regulatory capital ratios are comfortably above minimums, including a holding company total risk‑based capital ratio of 13.2% and common equity Tier 1 of 10.6%.
ChoiceOne Financial Services, Inc. reported solid first‑quarter 2026 results, highlighted by steady profitability and strong credit quality. Net income was $13.7 million for the quarter ended March 31, 2026, compared with net income of $13.9 million in the prior quarter and a net loss of $13.9 million a year earlier. Diluted earnings per share were $0.91, versus $0.92 in the fourth quarter of 2025 and a diluted loss per share of $1.29 in the first quarter of 2025.
Total assets were $4.39 billion as of March 31, 2026, up $89.2 million from a year earlier, primarily from growth in securities and mortgage warehouse advances. Net interest margin improved to 3.63%, while the annualized cost of funds declined to 1.73%, reflecting disciplined funding costs.
Core loans declined by $30.9 million, or an annualized 4.2%, during the quarter but increased modestly over 12 months. Deposits excluding brokered balances grew by $68.9 million in the quarter. Asset quality remained strong, with annualized net loan charge‑offs to average loans of 0.01% and nonperforming loans to total loans of 1.01%. Shareholders’ equity rose to $470.0 million, and the bank’s total risk‑based capital ratio was 12.9%, keeping it well capitalized.
ChoiceOne Financial Services, Inc. filed a current report to furnish an investor presentation as of early February 2026. The company is providing these presentation materials, attached as Exhibit 99.1, for use by management in meetings with investors beginning February 4, 2026.
The materials are being furnished under a regulation that keeps them separate from the company’s formally filed financial statements and reports. No specific financial results, transactions, or strategic changes are described in this report itself; it mainly serves as a vehicle to share the investor presentation with the market.
ChoiceOne Financial Services, Inc. submitted a current report to the SEC to furnish a company press release. The 8-K states that a press release dated January 30, 2026 is attached as Exhibit 99.1 and is incorporated by reference. The company notes that this exhibit, and the related report, are being furnished rather than filed under the securities laws.
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.
ChoiceOne Financial Services (NASDAQ:COFS) filed a Form 8-K announcing the appointment of Steven T. Krause as an independent director, effective July 5 2025, succeeding retiring director Jack Hendon. Krause will serve on the Audit and Risk Committees and will receive compensation consistent with other board members as outlined in the 2025 proxy statement.