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 executive vice president Bradley Henion reported routine equity compensation-related transactions in company common stock. He received a grant of 1,455 shares at no cost as part of a stock award, while 137 shares were disposed of to cover tax liabilities at a price of $30.03 per share. Footnotes explain that some shares were forfeited upon conversion of prior stock units granted on April 30, 2023, that the new award represents a contingent right to receive common shares vesting in full on April 30, 2029, and that the reported holdings also include 31.8256 shares acquired through the reinvestment of cash dividends. These are compensation and tax-withholding events rather than open-market buying or selling.
CHOICEONE FINANCIAL SERVICES INC secretary Adom Greenland reported routine equity compensation and related tax withholding on common stock. On April 30, 2026, Greenland received an award of 1,506 shares of common stock, with a footnote stating this is a contingent right that will vest in full on April 30, 2029. To cover tax obligations, 127 shares were withheld at $30.03 per share, a non-market, tax-withholding disposition. After these transactions, Greenland directly owned 16,294.4702 shares of common stock and indirectly held 3,690.1340 shares through an IRA.
ChoiceOne Financial Services President Michael J. Burke Jr. reported routine equity compensation and related tax withholding transactions involving the company’s common stock. On April 30, 2026, he indirectly acquired 2,439 shares through a Joint Trust as a grant/award at $0.00 per share.
A footnote explains this represents a contingent right to receive common shares, which will vest in full on April 30, 2029. In a separate transaction coded F, 252 shares held through the Joint Trust were disposed of at $30.03 per share to satisfy tax obligations tied to the conversion of earlier stock units granted on April 30, 2023.
After these transactions, Burke’s indirect holdings include 11,072.5025 shares of common stock through the Joint Trust and 2,891.0800 shares through an IRA, reflecting ongoing indirect ownership rather than open‑market trading.
ChoiceOne Financial Services director and Chief Executive Officer Kelly Potes reported routine equity compensation and related share adjustments. On April 30, 2026, Potes received a grant of 4,416 shares of common stock at no cost as a contingent right that will vest in full on April 30, 2029. In connection with the conversion of stock units granted April 30, 2023, 450 shares were withheld at $30.03 per share to satisfy tax obligations rather than sold on the market. A footnote also notes the acquisition of 791.8086 shares under the ChoiceOne Financial Services, Inc. Employee Stock Purchase Plan. After these transactions, Potes directly owned 42,048.6068 common shares and indirectly held 6,890 shares through an IRA.
ChoiceOne Financial Services, Inc. reported solid first‑quarter 2026 results, highlighted by steady profitability and strong credit quality. Net income was $13.7 million for the quarter ended March 31, 2026, compared with net income of $13.9 million in the prior quarter and a net loss of $13.9 million a year earlier. Diluted earnings per share were $0.91, versus $0.92 in the fourth quarter of 2025 and a diluted loss per share of $1.29 in the first quarter of 2025.
Total assets were $4.39 billion as of March 31, 2026, up $89.2 million from a year earlier, primarily from growth in securities and mortgage warehouse advances. Net interest margin improved to 3.63%, while the annualized cost of funds declined to 1.73%, reflecting disciplined funding costs.
Core loans declined by $30.9 million, or an annualized 4.2%, during the quarter but increased modestly over 12 months. Deposits excluding brokered balances grew by $68.9 million in the quarter. Asset quality remained strong, with annualized net loan charge‑offs to average loans of 0.01% and nonperforming loans to total loans of 1.01%. Shareholders’ equity rose to $470.0 million, and the bank’s total risk‑based capital ratio was 12.9%, keeping it well capitalized.
ChoiceOne Financial Services, Inc. is asking shareholders to vote at its May 20, 2026 virtual annual meeting on three key items: electing five directors to terms ending in 2029, an advisory approval of named executive officer compensation, and ratification of Plante & Moran, PLLC as independent auditors for 2026.
The meeting will be held exclusively online via live webcast, and shareholders of record at the close of business on March 31, 2026, when 14,956,917 shares of common stock were outstanding, are entitled to vote. The board recommends voting in favor of all director nominees, the executive compensation resolution, and the auditor ratification.
The proxy details a pay-for-performance incentive plan using asset growth, return on average assets, and asset quality modifiers, with 2025 total compensation of $1,181,700 for CEO Kelly J. Potes and $805,455 for President Michael J. Burke Jr. It also highlights governance practices including a majority-independent 15‑member board, a mandatory director retirement age of 70, anti‑hedging and pledging restrictions, and an incentive-based compensation recoupment policy tied to financial restatements.
Wendling Michelle M reported acquisition or exercise transactions in this Form 4 filing.
CHOICEONE FINANCIAL SERVICES INC director Michelle M. Wendling reported a compensation-related stock award. She received 244 shares of common stock on April 1, 2026 at a reference price of $28.12 per share. After this grant, she directly owns 7,275 common shares.
PETTY BRIAN P reported acquisition or exercise transactions in this Form 4 filing.
CHOICEONE FINANCIAL SERVICES INC director Brian P. Petty received a grant of 591 shares of Common Stock on April 1, 2026 at a price of $28.12 per share. Following this compensation-related award, he directly holds 91,698 shares of the company’s common stock.
Director Roxanne M. Page of ChoiceOne Financial Services Inc. received a grant of 244 shares of Common Stock on April 1, 2026 at a reference price of $28.12 per share. This was a grant/award acquisition, not an open-market purchase. Following the grant, she directly owns 7,120.4488 shares and indirectly holds 2,152.7237 shares through an IRA.