Choiceone Financial Services (COFS) risk factors

Item 1A of every Choiceone Financial Services Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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FY2025 10-K risk factors
34 risks1 dropped3 reworded
Unrealized investment losses decreased to $90.4 million at year-end 2025. Commercial and construction real estate loans grew significantly to $1.8 billion. Commercial and industrial loan balances rose to $352.6 million.
Filed Mar 13, 2026
FY2024 10-K risk factors
35 risks
ChoiceOne Financial Services faces heavy credit exposure to commercial and residential real estate loans within Michigan.
Filed Mar 11, 2025