CHOICEONE FINANCIAL SERVICES INC
For the period ended Sep 30, 2026. Filed Nov 9, 2026.
View on SEC.govAbout this filing
A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2026 · Filed Nov 9, 2026
What changed in Risk Factors?
Read the current filingPrevious report: 10-Q
Period ended 2026-06-30; filed 2026-08-10.
0001193125-26-342347
Item 1A. Risk FactorsUnregistered Sales of Equity Securities and Use of ProceedsOther InformationCurrent report: 10-Q
Period ended 2026-09-30; filed 2026-11-09.
0001193125-26-452801
Item 1A. Risk FactorsUnregistered Sales of Equity Securities and Use of ProceedsOther InformationThe baseline is this issuer’s latest earlier reporting period of the same form that was filed before the current report. A previous 10-Q is a different quarter, not a year-over-year comparison. Amendments are excluded.
Compared 8 previous paragraphs and 8 current paragraphs.
5 unchanged; 3 reworded; 0 added; 0 removed; 0 previous and 0 current paragraphs rearranged.
Tables are not compared: 1 previous and 1 current tables excluded. Dates, whitespace, punctuation and numbering changes are ignored; changes to financial figures remain significant.
A changed paragraph is not evidence that risk increased or decreased. An unchanged paragraph does not establish that risk stayed the same.
The current filing states there were no material changes to risk factors.
This is the filer’s own statement, not a conclusion from the comparison. Read its qualifications and the report it references.
Current filing’s statement
Information concerning risk factors is contained in the discussion in Item 1A, “Risk Factors,” in ChoiceOne’s Annual Report on Form 10-K for the year ended December 31, 2025. There have been no material changes to the risk factors disclosed in ChoiceOne’s Annual Report on Form 10-K for the year ended December 31, 2025.
Reworded paragraphs (3)
Previous wording
Information concerning risk factors is contained in the discussion in Item 1A, “Risk Factors,” in ChoiceOne’s Annual Report on Form 10-K for the year ended December 31, 2025.
Current wording
Information concerning risk factors is contained in the discussion in Item 1A, “Risk Factors,” in ChoiceOne’s Annual Report on Form 10-K for the year ended December 31, 2025. There have been no material changes to the risk factors disclosed in ChoiceOne’s Annual Report on Form 10-K for the year ended December 31, 2025.
Previous wording
There were no unregistered sales of equity securities in the second quarter of 2026.
Current wording
There were no unregistered sales of equity securities in the third quarter of 2026.
Previous wording
ChoiceOne’s common stock repurchase plan announced in April 2021 and amended in 2022 authorizes the repurchase of up to 375,388 shares, representing 5% of the total outstanding shares of common stock as of the date the repurchase plan was adopted. ChoiceOne repurchased 35,000 shares of stock for a net cost of $1.1 million during the second quarter of 2026 and 85,000 shares of stock for a net cost of $2.5 million during the six months ended June 30, 2026 under the repurchase plan. The repurchase plan has 265,272 shares remaining to purchase as of June 30, 2026. There was no stated expiration date. The repurchase reflects our view that our capital position is healthy and the repurchase of shares is in the best interest of our shareholders.
Current wording
ChoiceOne’s common stock repurchase plan announced in April 2021 and amended in 2022 authorizes the repurchase of up to 375,388 shares, representing 5% of the total outstanding shares of common stock as of the date the repurchase plan was adopted. ChoiceOne repurchased 40,000 shares of stock for a net cost of $1.3 million during the third quarter of 2026 and 125,000 shares of stock for a net cost of $3.9 million during the nine months ended September 30, 2026 under the repurchase plan. The repurchase plan has 225,272 shares remaining to purchase as of September 30, 2026. There was no stated expiration date. The repurchase reflects our view that our capital position is healthy and the repurchase of shares is in the best interest of our shareholders.