ChoiceOne Financial Services Inc. reported a net income of $13.534 million for the three months ended June 30, 2025, but experienced a net loss of $0.372 million for the six-month period ending on the same date. This is in contrast to the previous year when the company reported net incomes of $6.586 million and $12.220 million for the respective periods. Excluding merger expenses and merger-related provisions for credit losses, the net income was $13.666 million and $22.976 million for the three and six-month periods in 2025, respectively. Diluted earnings per share $(EPS)$ for the three months ending June 2025 was $0.90, compared to $0.87 in the same period the previous year. For the six months ending June 2025, the diluted EPS excluding merger expenses and related provisions was $1.78. ChoiceOne's GAAP net interest margin rose significantly to 3.66% in the second quarter of 2025, up from 2.95% in the same period of 2024. GAAP net interest income also increased substantially, reaching $36.3 million compared to $18.4 million in the second quarter of 2024, primarily due to the additional net interest income from the merger starting March 1, 2025. The merger also led to an increase in noninterest expenses by $11.2 million and $33.2 million for the three and six months ended June 30, 2025, compared to the same periods in 2024. These increases were largely due to merger-related expenses of $17.4 million during the first half of 2025. Management has indicated that they do not anticipate material merger expenses going forward. The company is focused on managing costs strategically while making prudent investments to maintain their competitive edge and continue providing value to their customers, shareholders, and communities.