ChoiceOne Financial (NASDAQ: COFS) furnishes updated investor presentation materials

Rhea-AI Filing Summary

ChoiceOne Financial Services, Inc. filed a current report to furnish an investor presentation as of early February 2026. The company is providing these presentation materials, attached as Exhibit 99.1, for use by management in meetings with investors beginning February 4, 2026.

The materials are being furnished under a regulation that keeps them separate from the company’s formally filed financial statements and reports. No specific financial results, transactions, or strategic changes are described in this report itself; it mainly serves as a vehicle to share the investor presentation with the market.

8-K Event Classification

2 items: 7.01, 9.01

2 items

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): February 4, 2026

ChoiceOne Financial Services, Inc.
(Exact Name of Registrant as
Specified in Charter)

	Michigan (State or Other Jurisdiction of Incorporation)	000-19202 (Commission File Number)		38-2659066 (IRS Employer Identification No.)
109 East Division Sparta, Michigan (Address of Principal Executive Offices)				49345 (Zip Code)

Registrant's telephone number, including area code: (616) 887-7366

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Trading symbol(s)	Name of each exchange on which registered
Common stock	COFS	NASDAQ Capital Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company o

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o

Item 7.01 Regulation FD Disclosure

ChoiceOne Financial Services, Inc. ("ChoiceOne") is furnishing as Exhibit 99.1 to this Form 8-K presentation materials that are to be used by ChoiceOne management in meetings with investors beginning February 4, 2026. The information in Item 7.01 and Item 9.01 of this report, including Exhibit 99.1, is furnished to, and not filed with, the Commission.

Item 9.01	Financial Statements and Exhibits
Exhibit No.	Exhibit
99.1	ChoiceOne Financial Services, Inc. Investor Presentation.  This Exhibit is furnished to, and not filed with, the Commission.

***

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dated:	February 4, 2026	CHOICEONE FINANCIAL SERVICES, INC. (Registrant)
		By:	/s/ Adom J. Greenland
			Adom J. Greenland Its Chief Financial Officer and Treasurer

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FAQ

What did ChoiceOne Financial Services (COFS) disclose in this 8-K filing?

ChoiceOne Financial Services disclosed that it is furnishing an investor presentation as Exhibit 99.1. The materials are intended for meetings with investors beginning February 4, 2026, and are provided as supplemental information rather than part of its formally filed reports.

What is Exhibit 99.1 in ChoiceOne Financial Services’ 8-K?

Exhibit 99.1 is an investor presentation prepared by ChoiceOne Financial Services. Management plans to use it in investor meetings starting February 4, 2026. The exhibit is expressly described as furnished to, and not filed with, the Securities and Exchange Commission.

Are the investor presentation materials in the COFS 8-K considered filed with the SEC?

No, the investor presentation materials attached as Exhibit 99.1 are furnished, not filed, with the SEC. This distinction means they are provided for informational purposes and are not incorporated into ChoiceOne’s formal financial statements or periodic reports by default.

When will ChoiceOne management use the new investor presentation mentioned in the 8-K?

ChoiceOne management intends to use the investor presentation in meetings with investors beginning February 4, 2026. The 8-K notes this timing directly and attaches the materials as Exhibit 99.1 for public access alongside those investor discussions.

Who signed the February 4, 2026 ChoiceOne Financial Services 8-K?

The 8-K was signed on behalf of ChoiceOne Financial Services by Adom J. Greenland. He is identified in the report as the company’s Chief Financial Officer and Treasurer, acting as the duly authorized officer for this disclosure.