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.
Harold J. Burns, a Director of CHOICEONE FINANCIAL SERVICES INC (COFS), reported a transaction dated 10/01/2025 on a Form 4. The filing reports an acquisition of 574 shares of the issuer's common stock at a reported price of $28.96 per share. After the reported transaction, the filing shows beneficial ownership of 24,034.5856 shares held directly.
The form includes an explanatory note that 151.8022 shares were acquired through reinvestment of cash dividends. The Form 4 is signed by Christian D. Rhoades by power of attorney on 10/03/2025 and lists the reporting person address in Sparta, MI.
Keith D. Brophy, a director of ChoiceOne Financial Services Inc. (COFS), reported a non-derivative acquisition on 10/01/2025. The Form 4 shows 406 shares of common stock were acquired at a price of $28.96 per share through dividend reinvestment, increasing his reported beneficial ownership to 12,012.1989 shares, held indirectly in a trust. The filing was signed by power of attorney on 10/03/2025. The report discloses the transaction type (code V) and explains that 109.3254 shares were received from reinvested cash dividends. No derivative transactions or other disposals are reported.
Greg L. Armock, a director of ChoiceOne Financial Services, Inc. (COFS), reported a transaction dated 10/01/2025 on a Form 4. The filing shows an acquisition of 574 shares of the company's common stock at a purchase price of $28.96 per share. After the reported transaction, the form lists 43,756.2946 shares beneficially owned in an indirect capacity. The filing also includes an entry for 17,083.055 shares of common stock shown as Direct (D) for a trust; the form's explanation additionally notes the reinvestment of cash dividends resulting in 406.7593 shares acquired. The Form 4 was signed by Christian D. Rhoades, by Power of Attorney on 10/03/2025.
Steven Theodore Krause, a director of CHOICEONE FINANCIAL SERVICES INC (COFS), reported a Form 4 transaction dated 08/13/2025 affecting common stock. The filing shows a transaction coded "G" for 660 shares at a price of $30.38, and lists 32,815.1533 shares held directly.
The Form also discloses indirect holdings by allocation: 15,067.7408 shares held by a trust and four allocations to grandchildren of 5,491, 5,492, 3,499, and 660 shares. The filing was signed by a power of attorney on 08/14/2025.
Fourthstone and affiliated entities report beneficial ownership of 1,142,959 shares of ChoiceOne Financial Services common stock, equal to 7.63% of the outstanding share class based on 14,984,253 shares reported by the issuer. The filing states these holdings are held in the ordinary course by Fourthstone as a registered investment adviser and by related funds and principals and that the securities were not acquired to change or influence control of the company. The positions are allocated across Fourthstone entities and an individual principal, reflecting a single manager's exposure across multiple vehicles.
ChoiceOne Financial Services director Steven Theodore Krause filed a Form 4 reporting stock transactions dated 08/12/2025. The filing lists a disposition of 3,300 common shares and multiple entries of 660-share transfers described as indirect (by grandchild). The record also shows an indirect trust position of 15,067.7408 shares. Reported transaction code is "G" and a price of $28.96 appears on the reported lines. The form is signed on 08/13/2025.
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.