[8-K] CHOICEONE FINANCIAL SERVICES INC Reports Material Event

Rhea-AI Filing Summary

ChoiceOne Financial Services, Inc. furnished a press release as Exhibit 99.1 in a Form 8-K. The press release, dated October 24, 2025, is incorporated by reference and is expressly stated as furnished to, not filed with, the Commission.

The company’s common stock trades on the NASDAQ Capital Market under the symbol COFS.

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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) October 24, 2025

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

Michigan
(State or Other Jurisdiction
of Incorporation) 001-39209
(Commission
File Number) 38-2659066
(IRS Employer
Identification No.)

109 East Division Street
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):

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

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

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

☐ 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 ☐

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. ☐

Item 2.02 Results of Operations and Financial Condition.

On October 24, 2025, ChoiceOne Financial Services, Inc. issued the press release attached as Exhibit 99.1 to this Form 8-K, which is here incorporated by reference. This Report and the Exhibit are furnished to, and not filed with, the Commission.

Item 9.01 Financial Statements and Exhibits.

	(d)	Exhibits:
		99.1	Press Release dated October 24, 2025. This Exhibit is furnished to, and not filed with, the Commission.
	104	104	Cover Page Interactive Data File (embedded within the Inline XBRL document)

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:	October 24, 2025	CHOICEONE FINANCIAL SERVICES, INC. (Registrant)
		By:	/s/ Adom J. Greenland
			Adom J. Greenland Its Chief Financial Officer and Treasurer

FAQ

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

The company furnished a press release as Exhibit 99.1, dated October 24, 2025.

Is the Exhibit 99.1 press release filed or furnished?

It is furnished to, and not filed with, the Commission.

What is included as Exhibit 99.1 for COFS?

A press release dated October 24, 2025.

Where is ChoiceOne Financial Services’ stock listed and under what symbol?

Common stock trades on the NASDAQ Capital Market under the symbol COFS.

Who signed the report for ChoiceOne Financial Services?

Adom J. Greenland, Chief Financial Officer and Treasurer.

What other exhibit is referenced?

Exhibit 104: Cover Page Interactive Data File embedded within the Inline XBRL document.