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ChoiceOne Financial Services
ChoiceOne Financial Services (COFS) investor relations material
ChoiceOne Financial Services Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary30 Jan, 2026
Executive summary
Completed merger with Fentura Financial, adding $1.8B in assets, $1.4B in loans, and $1.4B in deposits on March 1, 2025.
Net income for Q4 2025 was $13.9M and $28.2M for the year; adjusted net income for the year was $51.5M, excluding merger-related items.
Diluted EPS for Q4 2025 was $0.92; full-year diluted EPS was $2.01, or $3.68 adjusted for merger-related items.
Total assets reached $4.4B at year-end, up $1.7B year-over-year, primarily due to the merger.
Financial highlights
Core loans grew $55.6M (7.6% annualized) in Q4 and $86.1M (5.7%) organically for the year, plus $1.4B from the merger.
Net interest income for Q4 was $36.8M; full-year net interest income was $137.1M.
Noninterest income increased $1.1M in Q4 and $6.7M for the year, driven by higher interchange, trust, and insurance income.
Noninterest expense rose $10M in Q4 and $54M for the year, mainly due to $17.4M in merger expenses.
Annualized return on average assets was 1.27% in Q4; return on average equity was 12.07%.
Outlook and guidance
Management does not anticipate further material merger expenses.
Estimated $8M in interest income from accretion on purchased loans for 2026, with $53.1M remaining to be recognized over the loan portfolio's life.
Plans to open a new branch in Troy, MI in 2026 and invest in automation and AI-driven solutions.
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Next ChoiceOne Financial Services earnings date
Q1 202623 Apr, 2026
ChoiceOne Financial Services
Next ChoiceOne Financial Services earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
ChoiceOne Financial Services, Inc. is a bank holding company that primarily provides a range of financial services through its subsidiary, ChoiceOne Bank. The company offers traditional banking products and services, including checking and savings accounts, loans (such as residential, commercial, and consumer loans), and various deposit services. In addition to personal and business banking, ChoiceOne provides wealth management services, including investment advisory and trust services, aimed at helping clients manage and grow their financial assets. The company serves individuals, businesses, and municipalities primarily in local communities across Michigan. ChoiceOne Financial Services, Inc. is headquartered in Sparta, Michigan, and its shares are listed on the NASDAQ.
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