$COFS
ChoiceOne Financial Services Inc

2024 Q4 Form 10-Q Financial Statement

#000095017024124039 Filed on November 08, 2024

View on sec.gov

Income Statement

Concept 2024 Q4 2024 Q3
Revenue $3.351M
YoY Change 14.13%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization
YoY Change
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense
YoY Change
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $9.273M
YoY Change 49.52%
Income Tax $1.925M
% Of Pretax Income 20.76%
Net Earnings $7.348M
YoY Change 43.46%
Net Earnings / Revenue 219.28%
Basic Earnings Per Share $0.86
Diluted Earnings Per Share $0.85
COMMON SHARES
Basic Shares Outstanding 8.958M 8.957M
Diluted Shares Outstanding 8.616M

Balance Sheet

Concept 2024 Q4 2024 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $145.9M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $27.14M
YoY Change -8.41%
Goodwill $59.95M
YoY Change 0.0%
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $2.726B
YoY Change 5.9%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable
YoY Change
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities
YoY Change
LONG-TERM LIABILITIES
Long-Term Debt $35.69M
YoY Change 0.82%
Other Long-Term Liabilities $24.34M
YoY Change -45.18%
Total Long-Term Liabilities $60.03M
YoY Change -24.78%
TOTAL LIABILITIES
Total Short-Term Liabilities
Total Long-Term Liabilities $60.03M
Total Liabilities $2.478B
YoY Change 3.56%
SHAREHOLDERS EQUITY
Retained Earnings $86.77M
YoY Change 23.17%
Common Stock
YoY Change
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $247.7M
YoY Change
Total Liabilities & Shareholders Equity $2.726B
YoY Change 5.9%

Cashflow Statement

Concept 2024 Q4 2024 Q3
OPERATING ACTIVITIES
Net Income $7.348M
YoY Change 43.46%
Depreciation, Depletion And Amortization
YoY Change
Cash From Operating Activities
YoY Change
INVESTING ACTIVITIES
Capital Expenditures
YoY Change
Acquisitions
YoY Change
Other Investing Activities
YoY Change
Cash From Investing Activities
YoY Change
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities
YoY Change
NET CHANGE
Cash From Operating Activities
Cash From Investing Activities
Cash From Financing Activities
Net Change In Cash
YoY Change
FREE CASH FLOW
Cash From Operating Activities
Capital Expenditures
Free Cash Flow
YoY Change

Facts In Submission

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dei Document Fiscal Period Focus
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dei Current Fiscal Year End Date
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dei Entity Central Index Key
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dei Amendment Flag
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dei Document Type
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dei Document Quarterly Report
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dei Document Period End Date
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2024-09-30
dei Document Fiscal Year Focus
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dei Document Transition Report
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dei Entity File Number
EntityFileNumber
001-39209
dei Entity Registrant Name
EntityRegistrantName
ChoiceOne Financial Services, Inc.
dei Entity Incorporation State Country Code
EntityIncorporationStateCountryCode
MI
dei Entity Tax Identification Number
EntityTaxIdentificationNumber
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dei Entity Address Address Line1
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109 East Division
dei Entity Address City Or Town
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dei Entity Address State Or Province
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MI
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dei City Area Code
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dei Local Phone Number
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887-7366
dei Entity Current Reporting Status
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CY2024Q3 us-gaap Other Noninterest Expense
OtherNoninterestExpense
1453000
CY2023Q3 us-gaap Other Noninterest Expense
OtherNoninterestExpense
1126000
us-gaap Other Noninterest Expense
OtherNoninterestExpense
3857000
us-gaap Other Noninterest Expense
OtherNoninterestExpense
3304000
CY2024Q3 us-gaap Noninterest Expense
NoninterestExpense
15417000
CY2023Q3 us-gaap Noninterest Expense
NoninterestExpense
13728000
us-gaap Noninterest Expense
NoninterestExpense
43379000
us-gaap Noninterest Expense
NoninterestExpense
41296000
CY2024Q3 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
9273000
CY2023Q3 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
6202000
us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
24290000
us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
19118000
CY2024Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
1925000
CY2023Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
1080000
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
4722000
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
3150000
CY2024Q3 us-gaap Net Income Loss
NetIncomeLoss
7348000
CY2023Q3 us-gaap Net Income Loss
NetIncomeLoss
5122000
us-gaap Net Income Loss
NetIncomeLoss
19568000
us-gaap Net Income Loss
NetIncomeLoss
15968000
CY2024Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.86
CY2023Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.68
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
2.48
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
2.12
CY2024Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.85
CY2023Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.68
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
2.46
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
2.12
CY2024Q3 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.27
CY2023Q3 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.26
us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.81
us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.78
CY2024Q3 us-gaap Net Income Loss
NetIncomeLoss
7348000
CY2023Q3 us-gaap Net Income Loss
NetIncomeLoss
5122000
us-gaap Net Income Loss
NetIncomeLoss
19568000
us-gaap Net Income Loss
NetIncomeLoss
15968000
CY2024Q3 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
14077000
CY2023Q3 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
-21739000
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
11091000
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
-13063000
CY2024Q3 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
2956000
CY2023Q3 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
-4565000
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
2329000
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
-2743000
CY2024Q3 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax
0
CY2023Q3 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax
0
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax
0
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax
0
CY2024Q3 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
0
CY2023Q3 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
0
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
0
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
0
CY2024Q3 cofs Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Available For Sale Securities Fair Value Hedge Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAociForAvailableForSaleSecuritiesFairValueHedgeBeforeTax
9827000
CY2023Q3 cofs Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Available For Sale Securities Fair Value Hedge Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAociForAvailableForSaleSecuritiesFairValueHedgeBeforeTax
-9189000
cofs Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Available For Sale Securities Fair Value Hedge Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAociForAvailableForSaleSecuritiesFairValueHedgeBeforeTax
2841000
cofs Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Available For Sale Securities Fair Value Hedge Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAociForAvailableForSaleSecuritiesFairValueHedgeBeforeTax
-9920000
CY2024Q3 cofs Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Available For Sale Securities Fair Value Hedge Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAociForAvailableForSaleSecuritiesFairValueHedgeTax
2064000
CY2023Q3 cofs Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Available For Sale Securities Fair Value Hedge Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAociForAvailableForSaleSecuritiesFairValueHedgeTax
-1930000
cofs Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Available For Sale Securities Fair Value Hedge Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAociForAvailableForSaleSecuritiesFairValueHedgeTax
597000
cofs Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Available For Sale Securities Fair Value Hedge Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAociForAvailableForSaleSecuritiesFairValueHedgeTax
-2083000
CY2024Q3 us-gaap Oci Debt Securities Available For Sale Transfer To Held To Maturity Adjustment From Aoci For Amortization Of Gain Loss Before Tax
OciDebtSecuritiesAvailableForSaleTransferToHeldToMaturityAdjustmentFromAociForAmortizationOfGainLossBeforeTax
0
CY2023Q3 us-gaap Oci Debt Securities Available For Sale Transfer To Held To Maturity Adjustment From Aoci For Amortization Of Gain Loss Before Tax
OciDebtSecuritiesAvailableForSaleTransferToHeldToMaturityAdjustmentFromAociForAmortizationOfGainLossBeforeTax
0
us-gaap Oci Debt Securities Available For Sale Transfer To Held To Maturity Adjustment From Aoci For Amortization Of Gain Loss Before Tax
OciDebtSecuritiesAvailableForSaleTransferToHeldToMaturityAdjustmentFromAociForAmortizationOfGainLossBeforeTax
0
us-gaap Oci Debt Securities Available For Sale Transfer To Held To Maturity Adjustment From Aoci For Amortization Of Gain Loss Before Tax
OciDebtSecuritiesAvailableForSaleTransferToHeldToMaturityAdjustmentFromAociForAmortizationOfGainLossBeforeTax
0
CY2024Q3 us-gaap Oci Debt Securities Available For Sale Transfer To Held To Maturity Adjustment From Aoci For Amortization Of Gain Loss Tax
OciDebtSecuritiesAvailableForSaleTransferToHeldToMaturityAdjustmentFromAociForAmortizationOfGainLossTax
0
CY2023Q3 us-gaap Oci Debt Securities Available For Sale Transfer To Held To Maturity Adjustment From Aoci For Amortization Of Gain Loss Tax
OciDebtSecuritiesAvailableForSaleTransferToHeldToMaturityAdjustmentFromAociForAmortizationOfGainLossTax
0
us-gaap Oci Debt Securities Available For Sale Transfer To Held To Maturity Adjustment From Aoci For Amortization Of Gain Loss Tax
OciDebtSecuritiesAvailableForSaleTransferToHeldToMaturityAdjustmentFromAociForAmortizationOfGainLossTax
0
us-gaap Oci Debt Securities Available For Sale Transfer To Held To Maturity Adjustment From Aoci For Amortization Of Gain Loss Tax
OciDebtSecuritiesAvailableForSaleTransferToHeldToMaturityAdjustmentFromAociForAmortizationOfGainLossTax
0
CY2024Q3 us-gaap Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax
OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax
3358000
CY2023Q3 us-gaap Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax
OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax
-9915000
us-gaap Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax
OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax
6518000
us-gaap Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax
OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax
-2483000
CY2024Q3 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Investment Transferred From Available For Sale To Equity Method Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAociForInvestmentTransferredFromAvailableForSaleToEquityMethodBeforeTax
0
CY2023Q3 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Investment Transferred From Available For Sale To Equity Method Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAociForInvestmentTransferredFromAvailableForSaleToEquityMethodBeforeTax
0
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Investment Transferred From Available For Sale To Equity Method Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAociForInvestmentTransferredFromAvailableForSaleToEquityMethodBeforeTax
0
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Investment Transferred From Available For Sale To Equity Method Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAociForInvestmentTransferredFromAvailableForSaleToEquityMethodBeforeTax
0
CY2024Q3 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Investment Transferred From Available For Sale To Equity Method Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAociForInvestmentTransferredFromAvailableForSaleToEquityMethodTax
0
CY2023Q3 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Investment Transferred From Available For Sale To Equity Method Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAociForInvestmentTransferredFromAvailableForSaleToEquityMethodTax
0
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Investment Transferred From Available For Sale To Equity Method Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAociForInvestmentTransferredFromAvailableForSaleToEquityMethodTax
0
us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Investment Transferred From Available For Sale To Equity Method Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAociForInvestmentTransferredFromAvailableForSaleToEquityMethodTax
0
CY2024Q3 cofs Oci Debt Securities Transfer To Heldtomaturity From Availableforsale Adjustment From Aoci For Amortization Of Net Unrealized Gain Loss Before Tax
OciDebtSecuritiesTransferToHeldtomaturityFromAvailableforsaleAdjustmentFromAociForAmortizationOfNetUnrealizedGainLossBeforeTax
-61000
CY2023Q3 cofs Oci Debt Securities Transfer To Heldtomaturity From Availableforsale Adjustment From Aoci For Amortization Of Net Unrealized Gain Loss Before Tax
OciDebtSecuritiesTransferToHeldtomaturityFromAvailableforsaleAdjustmentFromAociForAmortizationOfNetUnrealizedGainLossBeforeTax
-67000
cofs Oci Debt Securities Transfer To Heldtomaturity From Availableforsale Adjustment From Aoci For Amortization Of Net Unrealized Gain Loss Before Tax
OciDebtSecuritiesTransferToHeldtomaturityFromAvailableforsaleAdjustmentFromAociForAmortizationOfNetUnrealizedGainLossBeforeTax
-173000
cofs Oci Debt Securities Transfer To Heldtomaturity From Availableforsale Adjustment From Aoci For Amortization Of Net Unrealized Gain Loss Before Tax
OciDebtSecuritiesTransferToHeldtomaturityFromAvailableforsaleAdjustmentFromAociForAmortizationOfNetUnrealizedGainLossBeforeTax
-261000
CY2024Q3 cofs Oci Debt Securities Transfer To Heldtomaturity From Availableforsale Adjustment From Aoci For Amortization Of Net Unrealized Gain Loss Tax
OCIDebtSecuritiesTransferToHeldtomaturityFromAvailableforsaleAdjustmentFromAOCIForAmortizationOfNetUnrealizedGainLossTax
-12000
CY2023Q3 cofs Oci Debt Securities Transfer To Heldtomaturity From Availableforsale Adjustment From Aoci For Amortization Of Net Unrealized Gain Loss Tax
OCIDebtSecuritiesTransferToHeldtomaturityFromAvailableforsaleAdjustmentFromAOCIForAmortizationOfNetUnrealizedGainLossTax
-14000
cofs Oci Debt Securities Transfer To Heldtomaturity From Availableforsale Adjustment From Aoci For Amortization Of Net Unrealized Gain Loss Tax
OCIDebtSecuritiesTransferToHeldtomaturityFromAvailableforsaleAdjustmentFromAOCIForAmortizationOfNetUnrealizedGainLossTax
-36000
cofs Oci Debt Securities Transfer To Heldtomaturity From Availableforsale Adjustment From Aoci For Amortization Of Net Unrealized Gain Loss Tax
OCIDebtSecuritiesTransferToHeldtomaturityFromAvailableforsaleAdjustmentFromAOCIForAmortizationOfNetUnrealizedGainLossTax
-55000
CY2024Q3 cofs Oci Debt Securities Heldtomaturity Unrealized Gain Loss After Adjustment And Tax Total
OciDebtSecuritiesHeldtomaturityUnrealizedGainLossAfterAdjustmentAndTaxTotal
49000
CY2023Q3 cofs Oci Debt Securities Heldtomaturity Unrealized Gain Loss After Adjustment And Tax Total
OciDebtSecuritiesHeldtomaturityUnrealizedGainLossAfterAdjustmentAndTaxTotal
53000
cofs Oci Debt Securities Heldtomaturity Unrealized Gain Loss After Adjustment And Tax Total
OciDebtSecuritiesHeldtomaturityUnrealizedGainLossAfterAdjustmentAndTaxTotal
137000
cofs Oci Debt Securities Heldtomaturity Unrealized Gain Loss After Adjustment And Tax Total
OciDebtSecuritiesHeldtomaturityUnrealizedGainLossAfterAdjustmentAndTaxTotal
206000
CY2024Q3 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification And Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax
-9558000
CY2023Q3 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification And Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax
9625000
us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification And Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax
-1753000
us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification And Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax
12748000
CY2024Q3 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax
-2006000
CY2023Q3 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax
2021000
us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax
-367000
us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax
2677000
CY2024Q3 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Reclassification Before Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax
0
CY2023Q3 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Reclassification Before Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax
0
us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Reclassification Before Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax
0
us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Reclassification Before Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax
0
CY2024Q3 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Reclassification Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax
0
CY2023Q3 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Reclassification Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax
0
us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Reclassification Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax
0
us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Reclassification Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax
0
CY2024Q3 cofs Other Comprehensive Income Loss Cash Flow Hedge Amortization Of Net Unrealized Gain Loss Reclassification Before Tax
OtherComprehensiveIncomeLossCashFlowHedgeAmortizationOfNetUnrealizedGainLossReclassificationBeforeTax
-0
CY2023Q3 cofs Other Comprehensive Income Loss Cash Flow Hedge Amortization Of Net Unrealized Gain Loss Reclassification Before Tax
OtherComprehensiveIncomeLossCashFlowHedgeAmortizationOfNetUnrealizedGainLossReclassificationBeforeTax
-897000
cofs Other Comprehensive Income Loss Cash Flow Hedge Amortization Of Net Unrealized Gain Loss Reclassification Before Tax
OtherComprehensiveIncomeLossCashFlowHedgeAmortizationOfNetUnrealizedGainLossReclassificationBeforeTax
-1092000
cofs Other Comprehensive Income Loss Cash Flow Hedge Amortization Of Net Unrealized Gain Loss Reclassification Before Tax
OtherComprehensiveIncomeLossCashFlowHedgeAmortizationOfNetUnrealizedGainLossReclassificationBeforeTax
-1940000
CY2024Q3 cofs Other Comprehensive Income Loss Cash Flow Hedge Amortization Of Net Unrealized Gain Loss Reclassification Tax
OtherComprehensiveIncomeLossCashFlowHedgeAmortizationOfNetUnrealizedGainLossReclassificationTax
0
CY2023Q3 cofs Other Comprehensive Income Loss Cash Flow Hedge Amortization Of Net Unrealized Gain Loss Reclassification Tax
OtherComprehensiveIncomeLossCashFlowHedgeAmortizationOfNetUnrealizedGainLossReclassificationTax
-188000
cofs Other Comprehensive Income Loss Cash Flow Hedge Amortization Of Net Unrealized Gain Loss Reclassification Tax
OtherComprehensiveIncomeLossCashFlowHedgeAmortizationOfNetUnrealizedGainLossReclassificationTax
-229000
cofs Other Comprehensive Income Loss Cash Flow Hedge Amortization Of Net Unrealized Gain Loss Reclassification Tax
OtherComprehensiveIncomeLossCashFlowHedgeAmortizationOfNetUnrealizedGainLossReclassificationTax
-407000
CY2024Q3 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss After Reclassification And Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax
-7552000
CY2023Q3 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss After Reclassification And Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax
8313000
us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss After Reclassification And Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax
-523000
us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss After Reclassification And Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax
11604000
CY2024Q3 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
-4145000
CY2023Q3 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
-1549000
us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
6132000
us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
9327000
CY2024Q3 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
3203000
CY2023Q3 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
3573000
us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
25700000
us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
25295000
CY2022Q4 us-gaap Stockholders Equity
StockholdersEquity
160828000
us-gaap Net Income Loss
NetIncomeLoss
15968000
us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
9327000
us-gaap Stock Issued During Period Value New Issues
StockIssuedDuringPeriodValueNewIssues
428000
us-gaap Adjustments To Additional Paid In Capital Share Based Compensation Employee Stock Purchase Program Requisite Service Period Recognition
AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationEmployeeStockPurchaseProgramRequisiteServicePeriodRecognition
23000
us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
459000
us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.78
us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
5872000
CY2023Q3 us-gaap Stockholders Equity
StockholdersEquity
181161000
CY2023Q4 us-gaap Stockholders Equity
StockholdersEquity
195634000
us-gaap Net Income Loss
NetIncomeLoss
19568000
us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
6132000
us-gaap Stock Issued During Period Value New Issues
StockIssuedDuringPeriodValueNewIssues
280000
us-gaap Adjustments To Additional Paid In Capital Share Based Compensation Employee Stock Purchase Program Requisite Service Period Recognition
AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationEmployeeStockPurchaseProgramRequisiteServicePeriodRecognition
33000
us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
508000
cofs Stock Issued During Period Value Common Stock Offering
StockIssuedDuringPeriodValueCommonStockOffering
32093000
us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.81
us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
6502000
CY2024Q3 us-gaap Stockholders Equity
StockholdersEquity
247746000
CY2023Q2 us-gaap Stockholders Equity
StockholdersEquity
179240000
CY2023Q3 us-gaap Net Income Loss
NetIncomeLoss
5122000
CY2023Q3 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
-1549000
CY2023Q3 us-gaap Stock Issued During Period Value New Issues
StockIssuedDuringPeriodValueNewIssues
131000
CY2023Q3 us-gaap Adjustments To Additional Paid In Capital Share Based Compensation Employee Stock Purchase Program Requisite Service Period Recognition
AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationEmployeeStockPurchaseProgramRequisiteServicePeriodRecognition
9000
CY2023Q3 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
167000
CY2023Q3 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.26
CY2023Q3 us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
1959000
CY2023Q3 us-gaap Stockholders Equity
StockholdersEquity
181161000
CY2024Q2 us-gaap Stockholders Equity
StockholdersEquity
214519000
CY2024Q3 us-gaap Net Income Loss
NetIncomeLoss
7348000
CY2024Q3 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
-4145000
CY2024Q3 us-gaap Stock Issued During Period Value New Issues
StockIssuedDuringPeriodValueNewIssues
165000
CY2024Q3 us-gaap Adjustments To Additional Paid In Capital Share Based Compensation Employee Stock Purchase Program Requisite Service Period Recognition
AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationEmployeeStockPurchaseProgramRequisiteServicePeriodRecognition
11000
CY2024Q3 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
174000
CY2024Q3 cofs Stock Issued During Period Value Common Stock Offering
StockIssuedDuringPeriodValueCommonStockOffering
32093000
CY2024Q3 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.27
CY2024Q3 us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
2419000
CY2024Q3 us-gaap Stockholders Equity
StockholdersEquity
247746000
us-gaap Net Income Loss
NetIncomeLoss
19568000
us-gaap Net Income Loss
NetIncomeLoss
15968000
us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
425000
us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
-225000
us-gaap Depreciation
Depreciation
1907000
us-gaap Depreciation
Depreciation
1854000
us-gaap Adjustment For Amortization
AdjustmentForAmortization
7263000
us-gaap Adjustment For Amortization
AdjustmentForAmortization
7495000
us-gaap Share Based Compensation
ShareBasedCompensation
541000
us-gaap Share Based Compensation
ShareBasedCompensation
741000
us-gaap Debt Securities Available For Sale Realized Gain Loss
DebtSecuritiesAvailableForSaleRealizedGainLoss
0
us-gaap Debt Securities Available For Sale Realized Gain Loss
DebtSecuritiesAvailableForSaleRealizedGainLoss
-71000
us-gaap Equity Securities Fv Ni Unrealized Gain Loss
EquitySecuritiesFvNiUnrealizedGainLoss
241000
us-gaap Equity Securities Fv Ni Unrealized Gain Loss
EquitySecuritiesFvNiUnrealizedGainLoss
-456000
us-gaap Gain Loss On Sale Of Loans And Leases
GainLossOnSaleOfLoansAndLeases
1610000
us-gaap Gain Loss On Sale Of Loans And Leases
GainLossOnSaleOfLoansAndLeases
1479000
us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
48171000
us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
37845000
us-gaap Proceeds From Sale Of Loans Held For Sale
ProceedsFromSaleOfLoansHeldForSale
47810000
us-gaap Proceeds From Sale Of Loans Held For Sale
ProceedsFromSaleOfLoansHeldForSale
38330000
cofs Bank Owned Life Insurance Income Operating Activities
BankOwnedLifeInsuranceIncomeOperatingActivities
919000
cofs Bank Owned Life Insurance Income Operating Activities
BankOwnedLifeInsuranceIncomeOperatingActivities
810000
cofs Earning On Death Benefit From Bank Owned Life Insurance
EarningOnDeathBenefitFromBankOwnedLifeInsurance
196000
cofs Earning On Death Benefit From Bank Owned Life Insurance
EarningOnDeathBenefitFromBankOwnedLifeInsurance
0
us-gaap Gains Losses On Sales Of Other Real Estate
GainsLossesOnSalesOfOtherRealEstate
17000
us-gaap Gains Losses On Sales Of Other Real Estate
GainsLossesOnSalesOfOtherRealEstate
0
us-gaap Proceeds From Sale Of Real Estate
ProceedsFromSaleOfRealEstate
139000
us-gaap Proceeds From Sale Of Real Estate
ProceedsFromSaleOfRealEstate
144000
us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
166000
us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
138000
us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
3534000
us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
-4443000
us-gaap Increase Decrease In Other Operating Liabilities
IncreaseDecreaseInOtherOperatingLiabilities
1507000
us-gaap Increase Decrease In Other Operating Liabilities
IncreaseDecreaseInOtherOperatingLiabilities
28049000
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
24638000
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
57330000
us-gaap Proceeds From Sale Of Equity Securities Fv Ni
ProceedsFromSaleOfEquitySecuritiesFvNi
0
us-gaap Proceeds From Sale Of Equity Securities Fv Ni
ProceedsFromSaleOfEquitySecuritiesFvNi
887000
us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
25109000
us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
21981000
us-gaap Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities
16710000
us-gaap Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities
10218000
us-gaap Payments To Acquire Available For Sale Securities Debt
PaymentsToAcquireAvailableForSaleSecuritiesDebt
1116000
us-gaap Payments To Acquire Available For Sale Securities Debt
PaymentsToAcquireAvailableForSaleSecuritiesDebt
110000
us-gaap Payments To Acquire Equity Securities Fv Ni
PaymentsToAcquireEquitySecuritiesFvNi
70000
us-gaap Payments To Acquire Equity Securities Fv Ni
PaymentsToAcquireEquitySecuritiesFvNi
0
us-gaap Payments To Acquire Held To Maturity Securities
PaymentsToAcquireHeldToMaturitySecurities
2000000
us-gaap Payments To Acquire Held To Maturity Securities
PaymentsToAcquireHeldToMaturitySecurities
597000
us-gaap Payments To Acquire Federal Home Loan Bank Stock
PaymentsToAcquireFederalHomeLoanBankStock
242000
us-gaap Payments To Acquire Federal Home Loan Bank Stock
PaymentsToAcquireFederalHomeLoanBankStock
4849000
us-gaap Proceeds From Sale Of Federal Home Loan Bank Stock
ProceedsFromSaleOfFederalHomeLoanBankStock
0
us-gaap Proceeds From Sale Of Federal Home Loan Bank Stock
ProceedsFromSaleOfFederalHomeLoanBankStock
3916000
us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
94121000
us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
120271000
us-gaap Proceeds From Life Insurance Policies
ProceedsFromLifeInsurancePolicies
490000
us-gaap Proceeds From Life Insurance Policies
ProceedsFromLifeInsurancePolicies
0
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
1047000
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
3454000
cofs Payments For Derivative Contracts Settlements
PaymentsForDerivativeContractsSettlements
0
cofs Payments For Derivative Contracts Settlements
PaymentsForDerivativeContractsSettlements
4191000
us-gaap Payments For Proceeds From Derivative Instrument Investing Activities
PaymentsForProceedsFromDerivativeInstrumentInvestingActivities
0
us-gaap Payments For Proceeds From Derivative Instrument Investing Activities
PaymentsForProceedsFromDerivativeInstrumentInvestingActivities
-382000
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-56287000
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-96088000
us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
86173000
us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
15192000
us-gaap Proceeds From Repayments Of Short Term Debt
ProceedsFromRepaymentsOfShortTermDebt
10109000
us-gaap Proceeds From Repayments Of Short Term Debt
ProceedsFromRepaymentsOfShortTermDebt
130000000
us-gaap Proceeds From Issuance Of Common Stock
ProceedsFromIssuanceOfCommonStock
500000
us-gaap Proceeds From Issuance Of Common Stock
ProceedsFromIssuanceOfCommonStock
168000
us-gaap Payments Related To Tax Withholding For Share Based Compensation
PaymentsRelatedToTaxWithholdingForShareBasedCompensation
220000
us-gaap Payments Related To Tax Withholding For Share Based Compensation
PaymentsRelatedToTaxWithholdingForShareBasedCompensation
0
us-gaap Payments Of Dividends
PaymentsOfDividends
6502000
us-gaap Payments Of Dividends
PaymentsOfDividends
5872000
us-gaap Proceeds From Issuance Initial Public Offering
ProceedsFromIssuanceInitialPublicOffering
32094000
us-gaap Proceeds From Issuance Initial Public Offering
ProceedsFromIssuanceInitialPublicOffering
0
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
122154000
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
139488000
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
90505000
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
100730000
CY2023Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations
55433000
CY2022Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations
43943000
CY2024Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations
145938000
CY2023Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations
144673000
us-gaap Interest Paid Net
InterestPaidNet
34358000
us-gaap Interest Paid Net
InterestPaidNet
18393000
us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
4450000
us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
3900000
us-gaap Transfer To Other Real Estate
TransferToOtherRealEstate
529000
us-gaap Transfer To Other Real Estate
TransferToOtherRealEstate
266000
CY2024Q3 us-gaap Stock Issued During Period Shares New Issues
StockIssuedDuringPeriodSharesNewIssues
1380000
CY2024Q3 us-gaap Sale Of Stock Price Per Share
SaleOfStockPricePerShare
25
CY2024Q3 us-gaap Proceeds From Issuance Of Common Stock
ProceedsFromIssuanceOfCommonStock
34500000
CY2024Q3 cofs Business Acquisition Number Of Shares Received Upon Conversion
BusinessAcquisitionNumberOfSharesReceivedUponConversion
1.35
CY2024Q3 us-gaap Payments For Merger Related Costs
PaymentsForMergerRelatedCosts
645000
us-gaap Payments For Merger Related Costs
PaymentsForMergerRelatedCosts
645000
us-gaap Use Of Estimates
UseOfEstimates
<p style="font-size:10pt;margin-top:10pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><span style="color:#000000;white-space:pre-wrap;text-decoration:underline;font-size:10pt;font-family:Times New Roman;min-width:fit-content;">Use of Estimates</span></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><span style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;min-width:fit-content;"> </span></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><span style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;min-width:fit-content;">To prepare financial statements in conformity with accounting principles generally accepted in the United States of America, ChoiceOne’s management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided. These estimates and assumptions are subject to many risks and uncertainties, and actual results may differ from these estimates. Estimates associated with the allowance for credit losses and the unrealized gains and losses on securities available for sale and held to maturity are particularly susceptible to change.</span><span style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;min-width:fit-content;"> </span></p>
CY2021Q2 srt Stock Repurchase Program Number Of Shares Authorized To Be Repurchased
StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchased
375388
CY2021Q2 cofs Stock Repurchase Program Percent Of Stock Outstanding
StockRepurchaseProgramPercentOfStockOutstanding
0.05
us-gaap Stock Repurchased During Period Shares
StockRepurchasedDuringPeriodShares
0
us-gaap Prior Period Reclassification Adjustment Description
PriorPeriodReclassificationAdjustmentDescription
<p style="font-size:10pt;margin-top:10pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><span style="color:#000000;white-space:pre-wrap;text-decoration:underline;font-size:10pt;font-family:Times New Roman;min-width:fit-content;">Reclassifications</span><span style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;min-width:fit-content;"> </span></p><p style="font-size:10pt;margin-top:10pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><span style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;min-width:fit-content;">Certain amounts presented in prior periods have been reclassified to conform to the current presentation.</span></p>
cofs Number Of Days Individually Evaluation
NumberOfDaysIndividuallyEvaluation
P60D
CY2024Q3 us-gaap Equity Securities Fv Ni Cost
EquitySecuritiesFvNiCost
8030000
us-gaap Equity Securities Fv Ni Unrealized Gain
EquitySecuritiesFvNiUnrealizedGain
332000
us-gaap Equity Securities Fv Ni Unrealized Loss
EquitySecuritiesFvNiUnrealizedLoss
546000
CY2024Q3 us-gaap Equity Securities Fv Ni
EquitySecuritiesFvNi
7816000
CY2023Q4 us-gaap Equity Securities Fv Ni Cost
EquitySecuritiesFvNiCost
7960000
CY2023 us-gaap Equity Securities Fv Ni Unrealized Gain
EquitySecuritiesFvNiUnrealizedGain
212000
CY2023 us-gaap Equity Securities Fv Ni Unrealized Loss
EquitySecuritiesFvNiUnrealizedLoss
667000
CY2023Q4 us-gaap Equity Securities Fv Ni
EquitySecuritiesFvNi
7505000
CY2024Q3 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
558943000
CY2024Q3 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
59000
CY2024Q3 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
61450000
CY2024Q3 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
497552000
CY2024Q3 us-gaap Held To Maturity Securities
HeldToMaturitySecurities
391954000
CY2024Q3 us-gaap Held To Maturity Securities Accumulated Unrecognized Holding Gain
HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain
42000
CY2024Q3 us-gaap Held To Maturity Securities Accumulated Unrecognized Holding Loss
HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss
46096000
CY2024Q3 us-gaap Held To Maturity Securities Fair Value
HeldToMaturitySecuritiesFairValue
345900000
CY2023Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
584239000
CY2023Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
14000
CY2023Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
69655000
CY2023Q4 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
514598000
CY2023Q4 us-gaap Held To Maturity Securities
HeldToMaturitySecurities
407959000
CY2023Q4 us-gaap Held To Maturity Securities Accumulated Unrecognized Holding Gain
HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain
35000
CY2023Q4 us-gaap Held To Maturity Securities Accumulated Unrecognized Holding Loss
HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss
59203000
CY2023Q4 us-gaap Held To Maturity Securities Fair Value
HeldToMaturitySecuritiesFairValue
348791000
CY2024Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
0
CY2024Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
0
CY2024Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
485633000
CY2024Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
61450000
CY2024Q3 us-gaap Debt Securities Available For Sale Unrealized Loss Position
DebtSecuritiesAvailableForSaleUnrealizedLossPosition
485633000
CY2024Q3 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
61450000
CY2023Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
1812000
CY2023Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
29000
CY2023Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
501940000
CY2023Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
69626000
CY2023Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position
DebtSecuritiesAvailableForSaleUnrealizedLossPosition
503752000
CY2023Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
69655000
CY2024Q3 cofs Debt Securities Held To Maturity Continuous Unrealized Loss Position Less Than Twelve Months Fair Value
DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
6818000
CY2024Q3 cofs Debt Securities Held To Maturity Continuous Unrealized Loss Position Less Than Twelve Months Accumulated Loss
DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThanTwelveMonthsAccumulatedLoss
1012000
CY2024Q3 cofs Debt Securities Held To Maturity Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value
DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
335170000
CY2024Q3 cofs Debt Securities Held To Maturity Continuous Unrealized Loss Position Twelve Months Or Longer Accumulated Loss
DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionTwelveMonthsOrLongerAccumulatedLoss
45084000
CY2024Q3 cofs Debt Securities Held To Maturity Securities Unrealized Loss Position Fair Value
DebtSecuritiesHeldToMaturitySecuritiesUnrealizedLossPositionFairValue
341988000
CY2024Q3 cofs Debt Securities Held To Maturity Securities Unrealized Loss Position Accumulated Loss
DebtSecuritiesHeldToMaturitySecuritiesUnrealizedLossPositionAccumulatedLoss
46096000
CY2023Q4 cofs Debt Securities Held To Maturity Continuous Unrealized Loss Position Less Than Twelve Months Fair Value
DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
23000
CY2023Q4 cofs Debt Securities Held To Maturity Continuous Unrealized Loss Position Less Than Twelve Months Accumulated Loss
DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThanTwelveMonthsAccumulatedLoss
0
CY2023Q4 cofs Debt Securities Held To Maturity Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value
DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
346764000
CY2023Q4 cofs Debt Securities Held To Maturity Continuous Unrealized Loss Position Twelve Months Or Longer Accumulated Loss
DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionTwelveMonthsOrLongerAccumulatedLoss
59203000
CY2023Q4 cofs Debt Securities Held To Maturity Securities Unrealized Loss Position Fair Value
DebtSecuritiesHeldToMaturitySecuritiesUnrealizedLossPositionFairValue
346787000
CY2023Q4 cofs Debt Securities Held To Maturity Securities Unrealized Loss Position Accumulated Loss
DebtSecuritiesHeldToMaturitySecuritiesUnrealizedLossPositionAccumulatedLoss
59203000
cofs Provision Expense On Securities
ProvisionExpenseOnSecurities
0
cofs Provision Expense On Securities
ProvisionExpenseOnSecurities
0
CY2023Q3 cofs Provision Expense On Securities
ProvisionExpenseOnSecurities
0
CY2024Q3 cofs Provision Expense On Securities
ProvisionExpenseOnSecurities
0
CY2024Q3 us-gaap Debt Securities Available For Sale Unrealized Loss Position Number Of Positions
DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions
541
CY2023Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Number Of Positions
DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions
569
CY2024Q3 cofs Debt Securities Availableforsale And Equity Securities Fvni Maturity Rolling Within One Year Fair Value
DebtSecuritiesAvailableforsaleAndEquitySecuritiesFVNIMaturityRollingWithinOneYearFairValue
9711000
CY2024Q3 cofs Debt Securities Availableforsale And Equity Securities Fvni Maturity Rolling After One Through Five Years Fair Value
DebtSecuritiesAvailableforsaleAndEquitySecuritiesFVNIMaturityRollingAfterOneThroughFiveYearsFairValue
176676000
CY2024Q3 cofs Debt Securities Availableforsale And Equity Securities Fvni Maturity Rolling After Five Through Ten Years Fair Value
DebtSecuritiesAvailableforsaleAndEquitySecuritiesFVNIMaturityRollingAfterFiveThroughTenYearsFairValue
199549000
CY2024Q3 cofs Available For Sale Securities Debt And Equity Securities Fv Ni Maturities Rolling After Year Ten Fair Value
AvailableForSaleSecuritiesDebtAndEquitySecuritiesFvNiMaturitiesRollingAfterYearTenFairValue
111616000
CY2024Q3 us-gaap Investments
Investments
497552000
CY2024Q3 us-gaap Heldtomaturity Securities Debt Maturities Next Rolling Twelve Months Amortized Cost
HeldtomaturitySecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCost
16520000
CY2024Q3 us-gaap Heldtomaturity Securities Debt Maturities Rolling Year Two Through Five Amortized Cost
HeldtomaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCost
59783000
CY2024Q3 us-gaap Heldtomaturity Securities Debt Maturities Rolling Year Six Through Ten Amortized Cost
HeldtomaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCost
240513000
CY2024Q3 us-gaap Heldtomaturity Securities Debt Maturities Rolling After Ten Years Amortized Cost
HeldtomaturitySecuritiesDebtMaturitiesRollingAfterTenYearsAmortizedCost
75138000
CY2024Q3 us-gaap Held To Maturity Securities Debt Maturities Single Maturity Date Amortized Cost Basis
HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis
391954000
CY2024Q3 us-gaap Equity Securities Fv Ni Gain Loss
EquitySecuritiesFvNiGainLoss
277000
CY2023Q3 us-gaap Equity Securities Fv Ni Gain Loss
EquitySecuritiesFvNiGainLoss
-205000
us-gaap Equity Securities Fv Ni Gain Loss
EquitySecuritiesFvNiGainLoss
241000
us-gaap Equity Securities Fv Ni Gain Loss
EquitySecuritiesFvNiGainLoss
-527000
CY2024Q3 us-gaap Equity Securities Fv Ni Realized Gain Loss
EquitySecuritiesFvNiRealizedGainLoss
0
CY2023Q3 us-gaap Equity Securities Fv Ni Realized Gain Loss
EquitySecuritiesFvNiRealizedGainLoss
-71000
us-gaap Equity Securities Fv Ni Realized Gain Loss
EquitySecuritiesFvNiRealizedGainLoss
0
us-gaap Equity Securities Fv Ni Realized Gain Loss
EquitySecuritiesFvNiRealizedGainLoss
-71000
CY2024Q3 us-gaap Equity Securities Fv Ni Unrealized Gain Loss
EquitySecuritiesFvNiUnrealizedGainLoss
277000
CY2023Q3 us-gaap Equity Securities Fv Ni Unrealized Gain Loss
EquitySecuritiesFvNiUnrealizedGainLoss
-134000
us-gaap Equity Securities Fv Ni Unrealized Gain Loss
EquitySecuritiesFvNiUnrealizedGainLoss
241000
us-gaap Equity Securities Fv Ni Unrealized Gain Loss
EquitySecuritiesFvNiUnrealizedGainLoss
-456000
CY2024Q3 us-gaap Notes Receivable Gross
NotesReceivableGross
1503950000
CY2023Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
1410653000
CY2024Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
16490000
cofs Percentage Of Allowance For Credit Losses
PercentageOfAllowanceForCreditLosses
0.011
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
15685000
CY2023 cofs Percentage Of Allowance For Credit Losses
PercentageOfAllowanceForCreditLosses
0.0111
CY2024Q3 us-gaap Notes Receivable Net
NotesReceivableNet
1487460000
CY2023Q4 us-gaap Notes Receivable Net
NotesReceivableNet
1394968000
CY2024Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
16152000
CY2024Q3 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
189000
CY2024Q3 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
102000
CY2024Q3 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
425000
CY2024Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
16490000
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
15685000
us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
640000
us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
345000
us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
1100000
CY2024Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
16490000
CY2024Q3 cofs Financing Receivable Allowance For Credit Losses Individually Evaluated For Credit Loss
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForCreditLoss
88000
CY2024Q3 cofs Financing Receivable Allowance For Credit Losses Collectively Evaluated For Credit Loss
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForCreditLoss
16402000
CY2024Q3 cofs Financing Receivable Individually Evaluated For Credit Loss
FinancingReceivableIndividuallyEvaluatedForCreditLoss
2735000
CY2024Q3 cofs Financing Receivable Collectively Evaluated For Credit Loss
FinancingReceivableCollectivelyEvaluatedForCreditLoss
1501215000
CY2024Q3 us-gaap Notes Receivable Gross
NotesReceivableGross
1503950000
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
60000
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
15625000
CY2023Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
2079000
CY2023Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
1408574000
CY2023Q4 cofs Financing Receivable Acquired With Deteriorated Credit Quality
FinancingReceivableAcquiredWithDeterioratedCreditQuality
0
CY2023Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
1410653000
CY2023Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
14582000
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
261000
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
113000
CY2023Q3 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
438000
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
14872000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
7619000
us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
532000
us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
288000
us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
332000
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
14872000
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
484000
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
14388000
CY2024Q3 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
425000
CY2023Q3 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
438000
cofs Financing Receivable Originated Checking Accounts Writeoffs
FinancingReceivableOriginatedCheckingAccountsWriteoffs
473000
cofs Financing Receivable Originated Checking Accounts Writeoffs Annualized
FinancingReceivableOriginatedCheckingAccountsWriteoffsAnnualized
631000
CY2023 cofs Financing Receivable Originated Checking Accounts Writeoffs
FinancingReceivableOriginatedCheckingAccountsWriteoffs
480000
cofs Financing Receivable Originated Checking Accounts Writeoffs
FinancingReceivableOriginatedCheckingAccountsWriteoffs
377000
cofs Financing Receivable Originated Checking Accounts Writeoffs Annualized
FinancingReceivableOriginatedCheckingAccountsWriteoffsAnnualized
503000
cofs Financing Receivable Originated Checking Accounts Writeoffs
FinancingReceivableOriginatedCheckingAccountsWriteoffs
473000
cofs Financing Receivable Originated Checking Accounts Writeoffs Annualized
FinancingReceivableOriginatedCheckingAccountsWriteoffsAnnualized
631000
CY2023 cofs Financing Receivable Originated Checking Accounts Writeoffs
FinancingReceivableOriginatedCheckingAccountsWriteoffs
480000
cofs Financing Receivable Originated Checking Accounts Writeoffs
FinancingReceivableOriginatedCheckingAccountsWriteoffs
377000
cofs Financing Receivable Originated Checking Accounts Writeoffs Annualized
FinancingReceivableOriginatedCheckingAccountsWriteoffsAnnualized
503000
CY2024Q3 cofs Financing Receivable Troubled Loan Modification Amortized Cost
FinancingReceivableTroubledLoanModificationAmortizedCost
121000
CY2023Q4 cofs Financing Receivable Troubled Loan Modification Amortized Cost
FinancingReceivableTroubledLoanModificationAmortizedCost
189000
CY2024Q3 us-gaap Financing Receivable Originated In Current Fiscal Year
FinancingReceivableOriginatedInCurrentFiscalYear
162000
CY2023Q4 us-gaap Financing Receivable Originated In Current Fiscal Year
FinancingReceivableOriginatedInCurrentFiscalYear
189000
CY2024Q3 us-gaap Financing Receivable Nonaccrual No Allowance
FinancingReceivableNonaccrualNoAllowance
590000
CY2024Q3 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
1765000
us-gaap Financing Receivable Nonaccrual Interest Income
FinancingReceivableNonaccrualInterestIncome
38000
CY2023Q3 us-gaap Financing Receivable Nonaccrual No Allowance
FinancingReceivableNonaccrualNoAllowance
457000
CY2023Q3 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
1670000
us-gaap Financing Receivable Nonaccrual Interest Income
FinancingReceivableNonaccrualInterestIncome
15000
CY2023Q4 us-gaap Financing Receivable Nonaccrual No Allowance
FinancingReceivableNonaccrualNoAllowance
707000
CY2023Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
1723000
CY2023 us-gaap Financing Receivable Nonaccrual Interest Income
FinancingReceivableNonaccrualInterestIncome
16000
CY2024Q3 us-gaap Notes Receivable Gross
NotesReceivableGross
1503950000
CY2024Q3 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
0
CY2023Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
1410653000
CY2023Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
0
CY2024Q3 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
7348000
CY2023Q3 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
5122000
us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
19568000
us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
15968000
CY2024Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
8567548
CY2023Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
7537996
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
7898938
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
7528887
CY2024Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.86
CY2023Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.68
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
2.48
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
2.12
CY2024Q3 us-gaap Net Income Loss Available To Common Stockholders Diluted
NetIncomeLossAvailableToCommonStockholdersDiluted
7348000
CY2023Q3 us-gaap Net Income Loss Available To Common Stockholders Diluted
NetIncomeLossAvailableToCommonStockholdersDiluted
5122000
us-gaap Net Income Loss Available To Common Stockholders Diluted
NetIncomeLossAvailableToCommonStockholdersDiluted
19568000
us-gaap Net Income Loss Available To Common Stockholders Diluted
NetIncomeLossAvailableToCommonStockholdersDiluted
15968000
CY2024Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
8567548
CY2023Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
7537996
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
7898938
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
7528887
CY2024Q3 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
47952
CY2023Q3 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
30038
us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
45205
us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
33273
CY2024Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
8615500
CY2023Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
7568034
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
7944143
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
7562160
CY2024Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.85
CY2023Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.68
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
2.46
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
2.12
us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Purchases
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases
70000
us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Purchases
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases
110000
CY2024Q3 us-gaap Revenue From Contract With Customer Including Assessed Tax
RevenueFromContractWithCustomerIncludingAssessedTax
3351000
CY2023Q3 us-gaap Revenue From Contract With Customer Including Assessed Tax
RevenueFromContractWithCustomerIncludingAssessedTax
2936000
us-gaap Revenue From Contract With Customer Including Assessed Tax
RevenueFromContractWithCustomerIncludingAssessedTax
9486000
us-gaap Revenue From Contract With Customer Including Assessed Tax
RevenueFromContractWithCustomerIncludingAssessedTax
8514000
CY2024Q3 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
1516000
CY2023Q3 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
768000
us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
3515000
us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
2346000
CY2024Q3 us-gaap Noninterest Income
NoninterestIncome
4867000
CY2023Q3 us-gaap Noninterest Income
NoninterestIncome
3704000
us-gaap Noninterest Income
NoninterestIncome
13001000
us-gaap Noninterest Income
NoninterestIncome
10860000
CY2024Q3 cofs Cash Collateral Pledged
CashCollateralPledged
1400000
CY2023Q4 cofs Cash Collateral Pledged
CashCollateralPledged
0
CY2024Q3 us-gaap Federal Home Loan Bank Advances General Debt Obligations Disclosures Amount Of Available Unused Funds
FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds
89800000
CY2024Q3 cofs Federal Reserve Bank Advances General Debt Obligations Amount Of Available Unused Funds
FederalReserveBankAdvancesGeneralDebtObligationsAmountOfAvailableUnusedFunds
689500000
CY2024Q3 ecd Rule10b51 Arr Adopted Flag
Rule10b51ArrAdoptedFlag
false
CY2024Q3 ecd Non Rule10b51 Arr Adopted Flag
NonRule10b51ArrAdoptedFlag
false
CY2024Q3 ecd Rule10b51 Arr Trmntd Flag
Rule10b51ArrTrmntdFlag
false
CY2024Q3 ecd Non Rule10b51 Arr Trmntd Flag
NonRule10b51ArrTrmntdFlag
false

Files In Submission

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FilingSummary.xml Edgar Link unprocessable
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0000950170-24-124039-index.html Edgar Link pending
0000950170-24-124039.txt Edgar Link pending
0000950170-24-124039-xbrl.zip Edgar Link pending
cofs-20240930.htm Edgar Link pending
cofs-20240930.xsd Edgar Link pending
cofs-ex31_1.htm Edgar Link pending
cofs-ex31_2.htm Edgar Link pending
cofs-ex32_1.htm Edgar Link pending
Financial_Report.xlsx Edgar Link pending
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