Choiceone Financial Services Inc (COFS) — SEC Filings
Choiceone Financial Services Inc (COFS) — 39 SEC filings. Latest: 8-K (Apr 24, 2026). Includes 24 8-K, 6 10-Q, 3 SC 13G.
View Choiceone Financial Services Inc on SEC EDGAR
Overview
Choiceone Financial Services Inc (COFS) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a ARS filed on Apr 13, 2026: ChoiceOne Financial Services Inc. filed its Annual Report to Security Holders (ARS) on April 13, 2026, for the period ending December 31, 2025. The filing, with accession number 0001140361-26-014322, provides a comprehensive overview of the company's performance and financial standing for the fiscal
Sentiment Summary
Across 39 filings, the sentiment breakdown is: 1 bullish, 36 neutral, 2 mixed. The dominant filing sentiment for Choiceone Financial Services Inc is neutral.
Filing Type Overview
Choiceone Financial Services Inc (COFS) has filed 24 8-K, 1 ARS, 6 10-Q, 2 DEF 14A, 2 10-K, 3 SC 13G, 1 SC 13G/A with the SEC between Jan 2024 to Apr 2026.
Filings by Year
Recent SEC Filings (39)
Risk Profile
Risk Assessment: Of COFS's 33 recent filings, 0 were flagged as high-risk, 9 as medium-risk, and 24 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Net Income | $14.681M |
| EPS | $1.05 |
| Total Assets | $4.296B |
Key Executives
- Kelly J. Potes
Industry Context
The banking industry is characterized by intense competition, evolving regulatory landscapes, and sensitivity to macroeconomic factors like interest rates and economic growth. Consolidation through mergers and acquisitions, as seen with COFS and Fentura, is a common strategy to achieve scale, expand market reach, and enhance efficiency. Digital transformation and customer experience remain key differentiators.
Top Tags
8-K (8) · financial-reporting (8) · financials (7) · financial-statements (6) · disclosure (5) · 10-Q (4) · corporate-governance (3) · regulation-fd (3) · 8-k (3) · sec-filing (2)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Period of Report | 2025-12-31 | The end date for the financial reporting period covered by the ARS. |
| Filing Date | 2026-04-13 | The date the ARS was officially filed with the SEC. |
| Net Income (Q3 2025) | $14.681M | Increased 99.8% from $7.348M in Q3 2024 |
| Net Income (YTD Q3 2025) | $14.309M | Decreased 26.9% from $19.568M in YTD Q3 2024 |
| Merger Related Expenses (YTD Q3 2025) | $17.369M | Significant expense impacting YTD profitability |
| Total Assets (Sept 30, 2025) | $4.296B | Increased 57.8% from $2.723B at Dec 31, 2024, due to merger |
| Loans, Net (Sept 30, 2025) | $2.875B | Increased 88.0% from $1.529B at Dec 31, 2024 |
| Total Deposits (Sept 30, 2025) | $3.567B | Increased 61.1% from $2.214B at Dec 31, 2024 |
| Provision for Credit Losses (YTD Q3 2025) | $14.013M | Increased significantly from $1.100M in YTD Q3 2024 |
| Basic EPS (YTD Q3 2025) | $1.05 | Decreased from $2.48 in YTD Q3 2024 due to merger and share issuance |
| Common Shares Outstanding (Sept 30, 2025) | 15,017,802 | Increased from 8,965,483 at Dec 31, 2024, due to merger |
| Accumulated Other Comprehensive Loss (Sept 30, 2025) | $42.197M | Negative balance indicating unrealized losses on securities and hedges |
| Net Income | $5.8M | Decreased from $6.2M in Q2 2024, indicating reduced profitability. |
| Total Interest Income | $20.5M | Increased from $19.8M in Q2 2024, showing growth in core lending activities. |
| Interest Income Growth | 3.5% | Percentage increase in total interest income from Q2 2024 to Q2 2025. |
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Frequently Asked Questions
What are the latest SEC filings for Choiceone Financial Services Inc (COFS)?
Choiceone Financial Services Inc has 39 recent SEC filings from Jan 2024 to Apr 2026, including 24 8-K, 6 10-Q, 3 SC 13G. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of COFS filings?
Across 39 filings, the sentiment breakdown is: 1 bullish, 36 neutral, 2 mixed. The dominant sentiment is neutral.
Where can I find Choiceone Financial Services Inc SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Choiceone Financial Services Inc (COFS) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Choiceone Financial Services Inc?
Key financial highlights from Choiceone Financial Services Inc's most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for COFS?
The investment thesis for COFS includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Choiceone Financial Services Inc?
Key executives identified across Choiceone Financial Services Inc's filings include Kelly J. Potes.
What are the main risk factors for Choiceone Financial Services Inc stock?
Of COFS's 33 assessed filings, 0 were flagged high-risk, 9 medium-risk, and 24 low-risk.
What are recent predictions and forward guidance from Choiceone Financial Services Inc?
Forward guidance and predictions for Choiceone Financial Services Inc are extracted from SEC filings as they are enriched.