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CHOICEONE FINANCIAL SERVICES INC

For the period ended Dec 31, 2025. Filed Mar 13, 2026.

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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Mar 13, 2026

COFS$36.74-1.5%Stored close · as of Nov 10, 2026

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Item 3. Legal Proceedings

As of December 31, 2025, there were no significant pending legal proceedings to which the Company or the Bank is a party or to which any of their properties were subject, except for legal proceedings arising in the ordinary course of business. In the opinion of management, pending legal proceedings will not have a material adverse effect on the consolidated financial condition of the Company.

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.