Business
CHOICEONE FINANCIAL SERVICES INC: The Company was formed to create a bank holding company for the purpose of acquiring all of the capital stock of ChoiceOne Bank, which became a wholly owned subsidiary of the Company on April 6, 1987.
Revenue increased 63.6% to $227.6M, while Net income increased 5.4% to $28.2M.
The read at a glance✓ Audited against SEC data
- Earnings — FY2025 net income $28.2MOK
- Profitability — Net income $28.2MOK
- Balance-sheet lens — Credit, capital, funding and liquidityOK
- Accounting — No applicable forensic screenNote
- Insiders — 7 buys; 1 sells in 365 daysOK
- Capital — dividends paid were $16.9M; share repurchases were $2.7MNote
Where the revenue comes from
Fiscal 2025, as CHOICEONE FINANCIAL SERVICES INC reports it. History and quarterly detail are in the app.
- Interchange Income$7.8M
- Customer Service Charges$6.0M
- Trust Fee Income$2.5M
- Insurance And Investment Commission Income$1.9M
- Other Charges And Fees For Customer Services$751K
Leadership changes
From CHOICEONE FINANCIAL SERVICES INC's own filings, the day they're filed.
- Steven T. Krause · director · departureeff. 2025-07-05
- J. Churchill · Directors · departureeff. 2023-10-22
- ChoiceOne Bank · Directors · departureeff. 2023-10-22
Latest filings
- 10-Q · Quarterly report2026-08-10
- 8-K · Company announcement2026-07-24
- 8-K · Company announcement2026-05-22
- 8-K · Company announcement2026-05-20
- 10-Q · Quarterly report2026-05-11
In the full recordFree for 14 days
- What changed🔒
- Insider signal🔒
- Growth quality🔒
- Margins & accounting🔒
- Capital allocation🔒
- Real risks🔒
- The long arc🔒
- Company history🔒
- The filings, readable — with what changed vs the prior year highlighted🔒
- Full financial statements, industry-aware, sources cited throughout🔒
- Forensic score history & components — the trend, not one year🔒
- Ownership: insider buys/sells, clusters, activist stakes🔒
- Ana — ask about CHOICEONE FINANCIAL SERVICES INC, every answer cited to the official filings🔒
Every figure comes from the company's filings, and analysis whose figures don't match SEC data is rejected before publication.
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