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.
Tracking how a community bank manages rising interest rates or the impact of its pending Fentura merger can feel buried inside hundreds of pages of ChoiceOne Financial Services (NASDAQ: COFS) disclosures. That’s why investors start here.
Stock Titan automatically pulls every new document straight from EDGAR and layers in AI-powered summaries that explain ChoiceOne’s 10-K annual report, 10-Q quarterly earnings report, and 8-K material events in clear language. Wondering, “Where do I find ChoiceOne insider trading Form 4 transactions in real-time?” or “How can I read ChoiceOne’s proxy statement on executive compensation without wading through footnotes?” You’ll get concise answers plus instant alerts whenever directors buy or sell.
Use our platform to:
- Scan Form 4 insider transactions to spot executive stock moves before they hit the headlines.
- Compare net interest margin trends across consecutive quarterly earnings report 10-Q filings.
- See how loan-loss provisions or interest-rate swaps shift inside the annual report 10-K simplified by AI.
- Dive into merger updates via each 8-K material events explained paragraph.
Because regional bank filings demand context, Stock Titan’s expert analysis links ChoiceOne’s credit quality metrics, liquidity sources like FHLB advances, and branch efficiency strategies directly to the exact page reference in the filing. Real-time updates mean you never miss a disclosure, and plain-English summaries help you make informed decisions faster.
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.
ChoiceOne Financial Services (COFS) – Form 4 filing: Director Bradley F. McGinnis acquired 579 common shares on 07/01/2025 at $28.70 per share. After the transaction he owns 12,001 shares directly and 14,301 shares indirectly through Megawall Corporation. No derivative securities were involved.
The purchase modestly increases insider ownership and can signal board-level confidence, but the size of the trade is small relative to COFS’s public float and is unlikely to materially shift the company’s ownership structure or market perception on its own.
ChoiceOne Financial Services, Inc. (COFS) filed a Form 4 disclosing that director Gregory A. McConnell purchased 239 shares of COFS common stock on July 1, 2025 at an average price of $28.70 per share. After the transaction, McConnell directly owns 33,929 shares. No derivative securities were involved and there were no dispositions reported. The filing was signed on July 3, 2025 by attorney-in-fact Christian D. Rhoades.
The transaction is modest in size (≈ $6,900) and represents a routine insider purchase rather than a material change in ownership. Nevertheless, insider buying can sometimes be interpreted as a signal of management’s confidence in the company’s prospects.
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