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ChoiceOne Financial Services (COFS) investor relations material
ChoiceOne Financial Services Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary10 Nov, 2025
Executive summary
Completed a significant merger with Fentura Financial, Inc. on March 1, 2025, expanding market presence and asset base, with integration finalized by March 14, 2025.
Net income for Q3 2025 was $14.7M, up from $7.3M in Q3 2024; nine-month net income was $14.3M, down from $19.6M year-over-year due to merger-related expenses.
Adjusted net income (excluding merger expenses and related credit loss provisions) was $14.7M for Q3 and $37.7M for the nine months ended September 30, 2025.
Diluted EPS for Q3 2025 was $0.97, up from $0.85 in Q3 2024; nine-month diluted EPS was $1.05, down from $2.46 year-over-year.
Financial highlights
Total assets reached $4.3B at September 30, 2025, up $1.6B from a year earlier, primarily due to the merger.
Net interest income (tax-equivalent, non-GAAP) rose $17.4M in Q3 and $45.2M for the nine months, driven by loan growth and accretion from purchased loans.
Net interest margin (GAAP) increased to 3.73% in Q3 2025 from 3.17% in Q3 2024.
Noninterest income increased by $2.3M in Q3 and $5.6M for the nine months, reflecting higher service charges, interchange, and trust income.
Noninterest expense rose by $10.8M in Q3 and $44.0M for the nine months, mainly due to $17.4M in merger-related costs.
Cash dividends of $0.28 per share declared in Q3 2025, up from $0.27 per share in Q3 2024.
Outlook and guidance
Management does not anticipate additional material merger expenses.
Estimated $54.0M remains to be recognized as interest income from accretion on purchased loans over their life.
Interest income from purchased loans expected to be $2.3M for the remainder of 2025 and $8.2M in 2026, subject to prepayment speeds.
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Next ChoiceOne Financial Services earnings date
Q4 202521 Jan, 2026
Next ChoiceOne Financial Services earnings date
Q4 202521 Jan, 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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