ChoiceOne Financial reports Q4 EPS 92c, consensus 90c

Reports Q4 net interest margin on a tax-equivalent basis 3.63% vs. 3.77% in the previous quarter. Common equity Tier 1 capital ratio was 10.2% vs. 10.3% in the previous quarter. “2025 was a landmark year for ChoiceOne-not only because of the successful merger with Fentura and its subsidiary, The State Bank, but also due to our strong financial performance. These accomplishments are a direct result of the hard work and dedication of our exceptional team, whose efforts truly shined throughout the year” said Kelly Potes, CEO.