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.
ChoiceOne Financial Services, Inc. filings document a Michigan financial holding company whose common stock trades on the Nasdaq Capital Market under COFS. The record includes Form 8-K reports for quarterly operating results and financial condition, Regulation FD investor presentations, and exhibits covering bank performance, deposits, loans, mortgage warehouse advances, liquidity sources, borrowings, credit quality and interest rate risk management.
Proxy materials describe annual shareholder meeting procedures, director elections, board governance and shareholder voting matters. The filings also record completed merger-related history involving Fentura Financial and The State Bank consolidation, along with recurring corporate disclosures for ChoiceOne Bank and ChoiceOne Insurance Agencies, Inc.
ChoiceOne Financial Services director reports stock grant through trust. Randy D. Hicks reported an indirect acquisition of 591 shares of ChoiceOne Financial Services common stock on April 1, 2026, at a fair value reference of $28.12 per share, held via the Randy D. Hicks Trust.
Following this grant or award, the trust’s indirect holdings attributed to Hicks increased to 99,526 common shares. This is a compensation-related equity award, not an open-market purchase, and represents a routine addition to his indirect ownership position.
Essex Bruce John Jr reported acquisition or exercise transactions in this Form 4 filing.
ChoiceOne Financial Services director Bruce John Essex Jr reported an indirect stock award through a trust. The filing shows a grant of 244 shares of common stock at $28.12 per share. Following this grant, the trust holds a total of 250,301 shares of ChoiceOne common stock indirectly attributed to him.
CHOICEONE FINANCIAL SERVICES INC director Curt E. Coulter received a grant of 245 shares of common stock at $28.12 per share. This is a compensation-related award rather than an open-market purchase.
Following the grant, he holds 10,857.9111 shares directly and 1,499.2145 shares indirectly through an IRA. Footnotes indicate that a portion of these holdings reflects additional shares acquired through the reinvestment of cash dividends.
CHOICEONE FINANCIAL SERVICES INC director Eric E. Burrough reported a stock award of common shares. On April 1, 2026, he acquired 591 shares of common stock at a price of $28.12 per share as a grant or award, bringing his direct holdings to 180,988 shares.
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.