Every material Form 8-K CHOICEONE FINANCIAL SERVICES INC has filed with the SEC since July 24, 2026, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
ChoiceOne Financial Services furnished an investor presentation for its third quarter of 2026 under Regulation FD, to be used in investor meetings beginning November 5, 2026. The deck reports Q3 2026 net income of $14.5 million, up from $12.5 million in Q2 2026, with diluted EPS of $0.97 and year-to-date net income of $40.7 million, or $2.71 per diluted share.
Q3 2026 net income of $14.5 million versus $12.5 million in Q2 2026, per the non-GAAP reconciliation table
Q3 2026 diluted EPS of $0.97; year-to-date EPS of $2.71
Nonperforming loans rose to 1.25% of total loans at September 30, 2026, from 1.07% at June 30, 2026, while annualized net charge-offs were 0.08%
Tangible book value per share was $21.02 at September 30, 2026
ChoiceOne Financial Services reported third-quarter 2026 net income of $14.5 million, or $0.97 per diluted share, unchanged from the year-earlier quarter and up from $12.5 million, or $0.83 per share, in the second quarter. Net interest margin rose to 3.67% from 3.59%, while nonperforming loans increased to 1.25% of total loans from 1.07%.
Q3 2026 net income $14.5 million, or $0.97 per diluted share, versus $14.7 million, or $0.97, in Q3 2025
Nine-month 2026 net income $40.7 million, or $2.71 per diluted share, versus $14.3 million, or $1.05, in the first nine months of 2025, which included $17.4 million of merger-related expenses
Net interest margin (GAAP) 3.67% in Q3 2026 versus 3.59% in Q2 2026
Nonperforming loans to total loans (excluding loans held for sale) rose to 1.25% at September 30, 2026 from 1.07% at June 30, 2026
ChoiceOne Financial Services reported second quarter 2026 net income of $12.5 million, or $0.83 per diluted share, down from $13.5 million, or $0.90 per share, in the second quarter of 2025. The quarter included a pre-tax securities loss of about $1.9 million, which reduced diluted earnings per share by about $0.10, while core loans grew $87.1 million, or 11.9% annualized. For shareholders, the results show loan growth offset by lower profit and a slightly lower net interest margin.
Q2 2026 net income $12.5 million, or $0.83 diluted EPS, versus $0.90 in Q2 2025; six-month net income $26.2 million, or $1.74 per share, versus a six-month net loss of $372,000 in 2025
Pre-tax securities loss of about $1.9 million in Q2 2026 reduced diluted EPS by about $0.10, from repositioning lower-yielding municipal securities
Core loans rose $87.1 million, or 11.9% annualized, in Q2 2026, including about $40 million of purchased adjustable-rate residential mortgages; net interest margin was 3.59% versus 3.66% a year earlier
Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.
Only material 8-Ks get a brief: results, deals, executive changes, restructuring, impairments, delisting notices, restatements, cybersecurity incidents and other disclosed events. Routine filings (vote results, exhibits only) are skipped. Every CHOICEONE FINANCIAL SERVICES INC filing is on SEC EDGAR ↗. 8-K briefs of other companies →