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.
The ChoiceOne Financial Services, Inc. (NASDAQ: COFS) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as a financial holding company and parent of ChoiceOne Bank. These documents include current reports on Form 8-K, annual reports on Form 10-K, quarterly reports on Form 10-Q, and other materials filed or furnished to the U.S. Securities and Exchange Commission.
ChoiceOne uses Form 8-K to furnish press releases covering quarterly and annual financial results, such as net interest margin, core loan growth, deposit trends, merger-related expenses, and asset quality measures. The company also files 8-Ks to report material events, including the completion of the merger of Fentura Financial, Inc. with and into ChoiceOne, the consolidation of The State Bank into ChoiceOne Bank, dividend declarations, and changes in the Board of Directors or committee assignments.
Through its Form 10-K and subsequent filings, ChoiceOne provides detailed information on its commercial banking operations, risk factors, capital position, and the performance of ChoiceOne Bank. The company has referenced risk factors described in Item 1A of its Annual Report on Form 10-K and in later SEC filings, directing readers to those documents for a fuller discussion of risks and regulatory considerations.
On Stock Titan, these filings are updated as they become available from the SEC’s EDGAR system. AI-powered tools can help summarize lengthy documents, highlight key items such as earnings trends, merger impacts, and capital ratios, and make it easier to understand technical disclosures. Users researching COFS can review Forms 8-K for timely event information, and consult 10-K and 10-Q filings for a broader view of ChoiceOne’s financial condition, commercial banking activities, and regulatory reporting history.
CHOICEONE FINANCIAL SERVICES INC director Harold J. Burns reported an acquisition of 591 shares of Common Stock, recorded at a price of $28.12 per share. This was characterized as a grant, award, or other acquisition rather than an open-market purchase.
According to the footnote, column 5 includes the acquisition of 341.6551 shares through the reinvestment of cash dividends. Following this transaction, Burns directly holds 25,581.2407 shares of ChoiceOne Financial Services common stock.
CHOICEONE FINANCIAL SERVICES INC director Keith D. Brophy reported a compensation-related share award. On April 1, 2026, a trust associated with him acquired 418 shares of Common Stock as a grant or award at $28.12 per share, reported as indirect ownership. Following this, his indirect holdings through the trust were 13,098.9087 shares, while a separate line shows 8,556 shares held directly. A footnote notes the acquisition of 245.7098 shares from the reinvestment of cash dividends, indicating part of the position grew via dividend reinvestment rather than market purchases.
CHOICEONE FINANCIAL SERVICES INC director Greg L. Armock reported an equity award in company stock. On April 1, 2026, a trust associated with him acquired 591 shares of Common Stock as a grant/award acquisition at $28.12 per share, an indirect holding. After this award, his indirect holdings through the trust rose to 45,881.1772 shares, while his directly held position remained at 17,513.445 shares. Footnotes also note additional shares accumulated over time from the reinvestment of cash dividends, indicating a pattern of ongoing ownership rather than an open-market trade.
ChoiceOne Financial Services Inc: Schedule 13G/A amendment reporting that The Vanguard Group holds 0 shares of Common Stock, representing 0% of the class following an internal realignment. The filing states certain Vanguard subsidiaries will report beneficial ownership separately in reliance on SEC Release No. 34-39538.
CHOICEONE FINANCIAL SERVICES INC officer Greenland Adom, who serves as Secretary, reported an open-market purchase of 500 shares of common stock on March 12, 2026 at a weighted average price of $27.40 per share, through an IRA held as an indirect ownership.
After this transaction, indirect holdings in the IRA rose to 3,690.134 shares, while direct ownership stood at 16,421.4702 shares of common stock. A footnote explains that Column 5 also reflects the acquisition of 607.7595 shares under the Employee Stock Purchase Plan and 348.3836 shares from reinvested cash dividends.
ChoiceOne Financial Services, Inc. reports 2025 results highlighted by the completed merger with Fentura Financial, Inc. Total assets reached $4.41 billion, up from $2.72 billion, with gross loans of $3.03 billion and deposits of $3.60 billion at year-end.
Net income was $28.2 million, compared with $26.7 million in 2024, as net interest income rose to $137.1 million, helped by $13.1 million of accretion from purchased loans. Return on assets was 0.69% and return on equity 7.04%.
The allowance for credit losses increased to $35.6 million, or 1.18% of total loans, with annualized net loan charge-offs at 0.04%. Nonperforming loans were 0.90% of total loans, influenced by certain acquired credits. Uninsured deposits were $1.2 billion, or 33.2% of deposits, and unrealized losses on securities totaled $90.4 million.
Shareholders received cash dividends of $1.13 per share, a 60.2% payout of net income. The company outlines extensive risk factors, including Michigan-focused economic exposure, significant commercial and residential real estate concentrations, interest-rate and liquidity risk, cybersecurity threats, and ongoing regulatory oversight.
ChoiceOne Financial Services director Eric E. Burrough bought 5,000 shares of Common Stock in an open-market purchase at $27.50 per share. After this transaction, he directly owns 180,397 ChoiceOne shares, increasing his personal stake in the company.
ChoiceOne Financial Services director Gregory A. McConnell purchased common stock in the company. On March 6, 2026, he made an open-market purchase of 1,050 shares of ChoiceOne Financial Services common stock at $27.94 per share.
Following this transaction, McConnell’s direct ownership in ChoiceOne Financial Services common stock increased to 37,000 shares.
ChoiceOne Financial Services director Bradley F. McGinnis reported an indirect open-market purchase of 1,000 shares of common stock at $29.15 per share by Megawall Corporation, an entity through which he holds shares. Following this transaction, Megawall Corporation holds 15,301 shares indirectly, and McGinnis also directly holds 13,139 shares of ChoiceOne common stock.
An IRA account for ChoiceOne Financial Services president Michael J. Burke Jr. bought 250 shares of company common stock in an open-market purchase at $28.58 per share on February 27, 2026. After this transaction, that IRA held 2,891.0800 shares indirectly. A separate joint trust associated with Burke is reported as indirectly holding 11,324.5025 shares of common stock. Footnotes note additional share increases from dividend reinvestment and participation in the employee stock purchase plan, which are reflected in the reported totals.