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

Rhea-AI Filing Summary

ChoiceOne Financial Services (COFS) furnished an investor presentation as Exhibit 99.1 under Item 7.01. Management plans to use these materials in meetings with investors beginning November 6, 2025. The materials are furnished to, and not filed with, the Commission.

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): November 6, 2025

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):

☐ 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 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 November 6, 2025. 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:	November 6, 2025	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 (COFS) report in this 8-K?

ChoiceOne furnished an investor presentation as Exhibit 99.1 under Item 7.01.

When will ChoiceOne begin investor meetings using these materials?

Management will use the materials in meetings beginning November 6, 2025.

Is Exhibit 99.1 furnished or filed with the SEC?

Exhibit 99.1 is furnished to, and not filed with, the Commission.

What is ChoiceOne’s trading symbol and exchange?

The common stock trades as COFS on the NASDAQ Capital Market.

Which items of the 8-K reference the presentation?

The information is included under Item 7.01 and Item 9.01 with Exhibit 99.1.

Who signed the report for ChoiceOne?

It was signed by Adom J. Greenland, Chief Financial Officer and Treasurer.