COFS / ChoiceOne Financial Services, Inc. - SEC-arkivering, Årsberetning, Fuldmagtserklæring

ChoiceOne Financial Services, Inc.
US ˙ NasdaqCM ˙ US1703861062

Grundlæggende statistik
CIK 803164
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to ChoiceOne Financial Services, Inc.
SEC Filings (Chronological Order)
Denne side giver en komplet, kronologisk liste over SEC-arkiveringer, eksklusive ejerskabsregistreringer, som vi leverer andre steder.
May 27, 2026 8-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A (Amendment No. 1) CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 20, 2026

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A (Amendment No. 1) CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 20, 2026 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-

May 22, 2026 S-3

As filed with the Securities and Exchange Commission on May 22, 2026

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on May 22, 2026 Registration No.

May 22, 2026 EX-24.1

LIMITED POWER OF ATTORNEY

EXHIBIT 24.1 LIMITED POWER OF ATTORNEY The undersigned, in his or her capacity as director or officer, or both, as the case may be, of ChoiceOne Financial Services, Inc., does hereby appoint Kelly J. Potes, Michael J. Burke, Jr., and Adom J. Greenland, or any of them, his or her attorney or attorneys with full power of substitution to execute in his or her name, in his or her capacity as a directo

May 22, 2026 8-K

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): May 20, 2026 ChoiceOne Financial

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): May 20, 2026 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission Fi

May 22, 2026 EX-4.1

ChoiceOne Financial Services, Inc. Dated as of , as Trustee TABLE OF CONTENTS

Exhibit 4.1 ChoiceOne Financial Services, Inc. INDENTURE Dated as of , , as Trustee TABLE OF CONTENTS Page ARTICLE I. DEFINITIONS AND INCORPORATION BY REFERENCE 5 Section 1.1. Definitions 5 Section 1.2. Other Definitions 9 Section 1.3. Incorporation by Reference of Trust Indenture Act 9 Section 1.4. Rules of Construction 9 ARTICLE II. THE SECURITIES 10 Section 2.1. Issuable in Series 10 Section 2.

May 22, 2026 EX-FILING FEES

CALCULATION OF FILING FEE TABLES Form S-3 (Form Type) ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities

Exhibit 107 CALCULATION OF FILING FEE TABLES Form S-3 (Form Type) ChoiceOne Financial Services, Inc.

May 22, 2026 POS AM

As filed with the Securities and Exchange Commission on May 22, 2026

As filed with the Securities and Exchange Commission on May 22, 2026 Registration No.

May 20, 2026 8-K

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): May 20, 2026 ChoiceOne Financial

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): May 20, 2026 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission File N

May 20, 2026 EX-99.1

2 AGENDA 39 th Annual Shareholder Meeting INTRODUCTIONS • Gregory McConnell, Chairman of the Board CALL TO ORDER & PRESENTATION OF PROPOSALS IN PROXY STATEMENT • Election of Directors • Advisory approval of ChoiceOne’s Executive Compensation • Ratifi

Annual Meeting 2026 EXHIBIT 99.1 2 AGENDA 39 th Annual Shareholder Meeting INTRODUCTIONS • Gregory McConnell, Chairman of the Board CALL TO ORDER & PRESENTATION OF PROPOSALS IN PROXY STATEMENT • Election of Directors • Advisory approval of ChoiceOne’s Executive Compensation • Ratification of the selection of Plante & Moran, PLLC as our registered independent public accounting firm for the year end

May 11, 2026 EX-10.7

CHOICEONE BANK SUPPLEMENTAL EXECUTIVE RETIREMENT BENEFITS AGREEMENT

EXHIBIT 10.7 CHOICEONE BANK SUPPLEMENTAL EXECUTIVE RETIREMENT BENEFITS AGREEMENT This Supplemental Executive Retirement Benefits Agreement (this “Agreement”) is made effective as of the 7th day of May 2026 (the “Effective Date”), by and between Adom Greenland, an individual (“Executive”), and ChoiceOne Bank, a Michigan banking corporation located in Sparta, MI (the “Bank”). RECITALS A. The Executi

May 11, 2026 EX-10.9

SPLIT-DOLLAR AGREEMENT

EXHIBIT 10.9 SPLIT-DOLLAR AGREEMENT This SPLIT-DOLLAR AGREEMENT (this “Agreement”) is made and entered into effective as of the 7th day of May 2026, by and between ChoiceOne Bank, a Michigan banking corporation located in Sparta, Michigan (the “Bank”) and Kelly Potes, an individual (“Insured”). R E C I T A L S: A. Insured is currently an Officer of the Bank and provides valuable service to the Ban

May 11, 2026 EX-10.10

SPLIT-DOLLAR AGREEMENT

EXHIBIT 10.10 SPLIT-DOLLAR AGREEMENT This SPLIT-DOLLAR AGREEMENT (this “Agreement”) is made and entered into effective as of the 7th day of May 2026, by and between ChoiceOne Bank, a Michigan banking corporation located in Sparta, Michigan (the “Bank”) and Michael J. Burke, Jr., an individual (“Insured”). R E C I T A L S: A. Insured is currently an Officer of the Bank and provides valuable service

May 11, 2026 EX-10.6

CHOICEONE BANK SUPPLEMENTAL EXECUTIVE RETIREMENT BENEFITS AGREEMENT

EXHIBIT 10.6 CHOICEONE BANK SUPPLEMENTAL EXECUTIVE RETIREMENT BENEFITS AGREEMENT This Supplemental Executive Retirement Benefits Agreement (this “Agreement”) is made effective as of the 7th day of May 2026 (the “Effective Date”), by and between Michael J. Burke, Jr., an individual (“Executive”), and ChoiceOne Bank, a Michigan banking corporation located in Sparta, MI (the “Bank”). RECITALS A. The

May 11, 2026 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ Quarterly Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2026 ☐ Transition Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to . Commission File Number: 001-39209 ChoiceOne Financial S

May 11, 2026 EX-10.4

CHANGE IN CONTROL AGREEMENT

EXHIBIT 10.4 CHANGE IN CONTROL AGREEMENT THIS CHANGE IN CONTROL AGREEMENT (the “Agreement”) is made by CHOICEONE FINANCIAL SERVICES, INC., a Michigan corporation (the “Corporation”), and BRADLEY A. HENION (“Executive”). The parties agree as follows. WHEREAS, Executive is employed as an at-will employee and desires to continue such employment with the Corporation and Bank; WHEREAS, the Board of Dir

May 11, 2026 EX-10.5

CHOICEONE BANK SUPPLEMENTAL EXECUTIVE RETIREMENT BENEFITS AGREEMENT

EXHIBIT 10.5 CHOICEONE BANK SUPPLEMENTAL EXECUTIVE RETIREMENT BENEFITS AGREEMENT This Supplemental Executive Retirement Benefits Agreement (this “Agreement”) is made effective as of the 7th day of May 2026 (the “Effective Date”), by and between Kelly Potes, an individual (“Executive”), and ChoiceOne Bank, a Michigan banking corporation located in Sparta, MI (the “Bank”). RECITALS A. The Executive

May 11, 2026 EX-10.11

SPLIT-DOLLAR AGREEMENT

EXHIBIT 10.11 SPLIT-DOLLAR AGREEMENT This SPLIT-DOLLAR AGREEMENT (this “Agreement”) is made and entered into effective as of the 7th day of May 2026, by and between ChoiceOne Bank, a Michigan banking corporation located in Sparta, Michigan (the “Bank”) and Adom Greenland, an individual (“Insured”). R E C I T A L S: A. Insured is currently an Officer of the Bank and provides valuable service to the

May 11, 2026 EX-10.12

SPLIT-DOLLAR AGREEMENT

EXHIBIT 10.12 SPLIT-DOLLAR AGREEMENT This SPLIT-DOLLAR AGREEMENT (this “Agreement”) is made and entered into effective as of the 7th day of May 2026, by and between ChoiceOne Bank, a Michigan banking corporation located in Sparta, Michigan (the “Bank”) and Bradley Henion, an individual (“Insured”). R E C I T A L S: A. Insured is currently an Officer of the Bank and provides valuable service to the

May 11, 2026 EX-10.8

CHOICEONE BANK SUPPLEMENTAL EXECUTIVE RETIREMENT BENEFITS AGREEMENT

EXHIBIT 10.8 CHOICEONE BANK SUPPLEMENTAL EXECUTIVE RETIREMENT BENEFITS AGREEMENT This Supplemental Executive Retirement Benefits Agreement (this “Agreement”) is made effective as of the 7th day of May 2026 (the “Effective Date”), by and between Bradley Henion, an individual (“Executive”), and ChoiceOne Bank, a Michigan banking corporation located in Sparta, MI (the “Bank”). RECITALS A. The Executi

May 11, 2026 EX-10.1

EMPLOYMENT AGREEMENT

EXHIBIT 10.1 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (the “Agreement”) is made by CHOICEONE FINANCIAL SERVICES, INC., a Michigan corporation (the “Corporation”), and KELLY J. POTES (“Executive”). The parties agree as follows. WHEREAS, the Board of Directors of the Corporation believes that the future services of Executive as provided in this Agreement will be of significant value to the Cor

May 11, 2026 EX-10.2

EMPLOYMENT AGREEMENT

EXHIBIT 10.2 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (the “Agreement”) is made by CHOICEONE FINANCIAL SERVICES, INC., a Michigan corporation (the “Corporation”), and MICHAEL J BURKE, JR. (“Executive”). The parties agree as follows. WHEREAS, the Board of Directors of the Corporation believes that the future services of Executive as provided in this Agreement will be of significant value to t

May 11, 2026 EX-10.3

CHANGE IN CONTROL AGREEMENT

EXHIBIT 10.3 CHANGE IN CONTROL AGREEMENT THIS CHANGE IN CONTROL AGREEMENT (the “Agreement”) is made by CHOICEONE FINANCIAL SERVICES, INC., a Michigan corporation (the “Corporation”), and ADOM J. GREENLAND (“Executive”). The parties agree as follows. WHEREAS, Executive is employed as an at-will employee and desires to continue such employment with the Corporation and Bank; WHEREAS, the Board of Dir

May 5, 2026 EX-99.1 CHARTER

INVESTOR PRESENTATION FIRST QUARTER 2026

INVESTOR PRESENTATION FIRST QUARTER 2026 2 FORWARD - LOOKING STATEMENTS This presentation contains forward - looking statements that are based on management’s beliefs, assumptions, current expectations, estimates and projections about the financial services industry, the economy, and ChoiceOne .

May 5, 2026 8-K

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): May 5, 2026 ChoiceOne Financial S

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): May 5, 2026 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission File Nu

April 24, 2026 EX-99.1

Condensed Balance Sheets (Unaudited)

EXHIBIT 99.1 News Release ChoiceOne Reports First Quarter 2026 Results Sparta, Michigan – April 24, 2026 – ChoiceOne Financial Services, Inc. ("ChoiceOne", NASDAQ:COFS), the parent company for ChoiceOne Bank, reported financial results for the quarter ended March 31, 2026. Highlights • ChoiceOne reported net income of $13,704,000 for the three months ended March 31, 2026, compared to net income of

April 24, 2026 8-K

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) April 24, 2026 ChoiceOne Financial

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) April 24, 2026 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 001-39209 (Commission F

April 13, 2026 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  ) Filed by the Registrant ☒ Filed by a Party other than the Registrant  ☐ Check the appropriate box:  ☐ Preliminary Proxy Statement  ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ D

April 13, 2026 ARS

ARS

CONSOLIDATED FINANCIALS 2025 2024 2023 FOR THE YEAR (DOLLARS IN THOUSANDS) Net Income $ 28,176 $ 26,727 $ 21,261 Adjusted Net Income (Non-GAAP) $ 51,524 $ 27,733 $ NA Cash Dividends Declared $16,949 $ 9,012 $ 7,910 PER SHARE Diluted Earnings $ 2.

March 13, 2026 EX-3.1

RESTATED ARTICLES OF INCORPORATION, AS AMENDED TO DATE CHOICEONE FINANCIAL SERVICES, INC. ARTICLE I

EXHIBIT 3.1 RESTATED ARTICLES OF INCORPORATION, AS AMENDED TO DATE OF CHOICEONE FINANCIAL SERVICES, INC. ARTICLE I NAME The name of the corporation is: CHOICEONE FINANCIAL SERVICES, INC. ARTICLE II PURPOSES The purposes of the corporation are to engage in any activity within the purposes for which corporations may be organized under the Michigan Business Corporation Act. ARTICLE III AUTHORIZED CAP

March 13, 2026 EX-24

LIMITED POWER OF ATTORNEY

Exhibit 24 LIMITED POWER OF ATTORNEY The undersigned, in his or her capacity as a director or officer, or both, of ChoiceOne Financial Services, Inc.

March 13, 2026 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2025 ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 000-39209 ChoiceOne Financial Services, Inc.

March 13, 2026 EX-21

SUBSIDIARIES OF THE REGISTRANT

EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT The following lists the subsidiaries of the Registrant and the state or jurisdiction of incorporation.

February 4, 2026 8-K

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 Financ

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 Fi

February 4, 2026 EX-99.1

EXHIBIT 99.1

EXHIBIT 99.1 INVESTOR PRESENTATION FOURTH QUARTER 2025 EXHIBIT 99.1 2 FORWARD - LOOKING STATEMENTS This presentation contains forward - looking statements that are based on management’s beliefs, assumptions, current expectations, estimates and projections about the financial services industry, the economy, and ChoiceOne . Words such as “anticipates,” “believes,” “estimates,” “expects,” “forecasts,

January 30, 2026 8-K

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) January 30, 2026 ChoiceOne Financi

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) January 30, 2026 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 001-39209 (Commission

November 10, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ Quarterly Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2025 ☐ Transition Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to . Commission File Number: 001-39209 ChoiceOne Financi

November 6, 2025 8-K

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 Financ

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 Fi

November 6, 2025 EX-99.1 CHARTER

INVESTOR PRESENTATION THIRD QUARTER 2025

INVESTOR PRESENTATION THIRD QUARTER 2025 2 FORWARD - LOOKING STATEMENTS This presentation contains forward - looking statements that are based on management’s beliefs, assumptions, current expectations, estimates and projections about the financial services industry, the economy, and ChoiceOne .

October 24, 2025 EX-99.1

Condensed Balance Sheets (Unaudited)

EXHIBIT 99.1 News Release ChoiceOne Reports Third Quarter 2025 Results Sparta, Michigan – October 24, 2025 – ChoiceOne Financial Services, Inc. ("ChoiceOne", NASDAQ:COFS), the parent company for ChoiceOne Bank, reported financial results for the quarter ended September 30, 2025. Significant items impacting comparable first nine month period of 2024 and 2025 results include the following: • On Marc

October 24, 2025 8-K

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 Financi

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

August 8, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ Quarterly Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2025 ☐ Transition Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to . Commission File Number: 001-39209 ChoiceOne Financial Se

July 25, 2025 8-K

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) July 25, 2025 ChoiceOne Financial

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) July 25, 2025 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 001-39209 (Commission Fi

July 25, 2025 EX-99.1

Condensed Balance Sheets (Unaudited)

EXHIBIT 99.1 News Release ChoiceOne Reports Second Quarter 2025 Results Sparta, Michigan – July 25, 2025 – ChoiceOne Financial Services, Inc. ("ChoiceOne", NASDAQ:COFS), the parent company for ChoiceOne Bank, reported financial results for the quarter ended June 30, 2025. On March 1, 2025, ChoiceOne completed the merger (the “Merger”) of Fentura Financial, Inc. (“Fentura”), the former parent compa

June 27, 2025 8-K

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): June 25, 2025 ChoiceOne Financial

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): June 25, 2025 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in Charter) Michigan (State or Other Jurisdiction of Incorporation) 001-39209 (Commission File

May 27, 2025 8-K

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): May 21, 2025 ChoiceOne Financial

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): May 21, 2025 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission Fi

May 21, 2025 EX-99.1 CHARTER

Annual Meeting 2025

Annual Meeting 2025 2 AGENDA 38 th Annual Shareholder Meeting INTRODUCTIONS • Jack Hendon, Chairman of the Board CALL TO ORDER & PRESENTATION OF PROPOSALS IN PROXY STATEMENT • Election of Directors • Advisory approval of ChoiceOne’s Executive Compensation • An advisory vote to determine whether future advisory votes to approve the Company’s executive compensation should occur every 1, 2, or 3 years.

May 21, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

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): May 21, 2025 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission File N

May 21, 2025 EX-99.1

Chairman Jack G. Hendon Retires from ChoiceOne Boards of Directors, Gregory A. McConnell Appointed Chairman of ChoiceOne Boards of Directors, Roxanne M. Page Appointed Vice Chairwoman of ChoiceOne Boards of Directors

EXHIBIT 99.1 FOR IMMEDIATE RELEASE Chairman Jack G. Hendon Retires from ChoiceOne Boards of Directors, Gregory A. McConnell Appointed Chairman of ChoiceOne Boards of Directors, Roxanne M. Page Appointed Vice Chairwoman of ChoiceOne Boards of Directors SPARTA, Mich., May 21, 2025 – The Boards of Directors of ChoiceOne Financial Services, Inc. (NASDAQ: COFS) (“ChoiceOne”), and ChoiceOne Bank announc

May 21, 2025 8-K

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) May 21, 2025 ChoiceOne Financial S

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) May 21, 2025 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 001-39209 (Commission Fil

May 12, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ Quarterly Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2025 ☐ Transition Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to . Commission File Number: 001-39209 ChoiceOne Financial S

April 30, 2025 8-K

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) April 30, 2025 ChoiceOne Financial

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) April 30, 2025 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 001-39209 (Commission F

April 30, 2025 EX-99.1

Condensed Balance Sheets (Unaudited)

EXHIBIT 99.1 News Release ChoiceOne Reports First Quarter 2025 Results Sparta, Michigan – April 30, 2025 – ChoiceOne Financial Services, Inc. ("ChoiceOne", NASDAQ:COFS), the parent company for ChoiceOne Bank, reported financial results for the quarter ended March 31, 2025. On March 1, 2025, ChoiceOne completed the merger (the “Merger”) of Fentura Financial, Inc. (“Fentura”), the former parent comp

April 8, 2025 ARS

ARS

2024 ANNUAL REPORT2023 2024 2022 FOR THE YEAR (DOLLARS IN THOUSANDS) Net Income $ 26,727 $ 21,261 $ 23,640 Cash Dividends Declared $ 9,012 $ 7,910 $ 7,578 PER SHARE Net Income $ 3.

April 8, 2025 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  ) Filed by the Registrant ☒ Filed by a Party other than the Registrant  ☐ Check the appropriate box:  ☐ Preliminary Proxy Statement  ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ D

March 17, 2025 EX-99.1

ChoiceOne Financial Services, Inc. Completes Successful Consolidation of ChoiceOne Bank and The State Bank

EXHIBIT 99.1 FOR IMMEDIATE RELEASE ChoiceOne Financial Services, Inc. Completes Successful Consolidation of ChoiceOne Bank and The State Bank SPARTA, Mich., March 17, 2025 (PR NEWSWIRE) – ChoiceOne Financial Services, Inc., (NASDAQ: COFS) (“ChoiceOne”), the parent company of ChoiceOne Bank, announced the successful consolidation of The State Bank with and into ChoiceOne Bank on March 14, 2025. The

March 17, 2025 8-K

Other Events

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) March 17, 2025 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 001-39209 (Commission F

March 11, 2025 EX-21

Subsidiaries of ChoiceOne Financial Services, Inc.

EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT The following lists the subsidiaries of the Registrant and the state or jurisdiction of incorporation.

March 11, 2025 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2024 ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 000-39209 ChoiceOne Financial Services, Inc.

March 11, 2025 EX-24

Powers of Attorney.

Exhibit 24 LIMITED POWER OF ATTORNEY The undersigned, in his or her capacity as a director or officer, or both, of ChoiceOne Financial Services, Inc.

March 11, 2025 EX-3.1

Restated Articles of Incorporation of ChoiceOne Financial Services, Inc. Previously filed as an exhibit to ChoiceOne’s Form 10-K Annual Report for the year ended December 31, 2024. Here incorporated by reference.

EXHIBIT 3.1 RESTATED ARTICLES OF INCORPORATION, AS AMENDED TO DATE OF CHOICEONE FINANCIAL SERVICES, INC. ARTICLE I NAME The name of the corporation is: CHOICEONE FINANCIAL SERVICES, INC. ARTICLE II PURPOSES The purposes of the corporation are to engage in any activity within the purposes for which corporations may be organized under the Michigan Business Corporation Act. ARTICLE III AUTHORIZED CAP

March 3, 2025 EX-99.3

UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL INFORMATION

UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL INFORMATION The following unaudited pro forma condensed combined financial information combines the historical consolidated balance sheet and statement of income for ChoiceOne Financial Services, Inc.

March 3, 2025 EX-99.2

Fentura Financial, Inc. Table of Contents

Fentura Financial, Inc. Table of Contents Interim Condensed Consolidated Financial Statements (Unaudited) Interim Condensed Consolidated Balance Sheets as of September 30, 2024 and December 31, 2023 2 Interim Condensed Consolidated Statements of Income for the three and nine months ended September 30, 2024 and 2023 3 Interim Condensed Consolidated Statements of Comprehensive Income for the three a

March 3, 2025 EX-99.1

ChoiceOne Financial Services, Inc. and Fentura Financial, Inc. Complete Merger

FOR IMMEDIATE RELEASE ChoiceOne Financial Services, Inc. and Fentura Financial, Inc. Complete Merger SPARTA, Mich., and FENTON, Mich., March 3, 2025 (PR NEWSWIRE) – ChoiceOne Financial Services, Inc., (NASDAQ: COFS) (“ChoiceOne”), today announced the completion of the merger of Fentura Financial, Inc. (OTCQX: FETM) (“Fentura”) with and into ChoiceOne, effective as of March 1, 2025. The combined or

March 3, 2025 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Completion of Acquisition or Disposition of Assets, Other Events

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): March 1, 2025 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in Charter) Michigan (State or Other Jurisdiction of Incorporation) 001-39209 (Commission File

February 21, 2025 S-4MEF

As filed with the Securities and Exchange Commission on February 21, 2025

As filed with the Securities and Exchange Commission on February 21, 2025 File No.

February 21, 2025 EX-FILING FEES

Calculation of Filing Fee Table FORM S-4 (Form Type) CHOICEONE FINANCIAL SERVICES, INC. (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities

Calculation of Filing Fee Table FORM S-4 (Form Type) CHOICEONE FINANCIAL SERVICES, INC.

February 18, 2025 EX-99.1

INVESTOR PRESENTATION FOURTH QUARTER 2024 2 FORWARD - LOOKING STATEMENTS This presentation contains forward - looking statements that are based on management’s beliefs, assumptions, current expectations, estimates and projections about the financial

EXHIBIT 99.1 INVESTOR PRESENTATION FOURTH QUARTER 2024 2 FORWARD - LOOKING STATEMENTS This presentation contains forward - looking statements that are based on management’s beliefs, assumptions, current expectations, estimates and projections about the financial services industry, the economy, and ChoiceOne . Words such as “anticipates,” “believes,” “estimates,” “expects,” “forecasts,” “intends,”

February 18, 2025 8-K

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 18, 2025 ChoiceOne Finan

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 18, 2025 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission F

February 13, 2025 8-K

Other Events

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 12, 2025 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in Charter) Michigan (State or Other Jurisdiction of Incorporation) 001-39209 (Commission F

January 22, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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) January 22, 2025 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 001-39209 (Commission

January 22, 2025 EX-99.1

Condensed Balance Sheets (Unaudited)

EXHIBIT 99.1 News Release ChoiceOne Reports Fourth Quarter and Year End 2024 Results Sparta, Michigan – January 22, 2025 – ChoiceOne Financial Services, Inc. ("ChoiceOne", NASDAQ:COFS), the parent company for ChoiceOne Bank, reported financial results for the quarter ended December 31, 2024. Highlights • ChoiceOne reported net income of $7,159,000 and $26,727,000 for the three and twelve months en

December 13, 2024 EX-99.1

ChoiceOne Financial Services, Inc. and Fentura Financial, Inc. Shareholders Approve Merger

EXHIBIT 99.1 FOR IMMEDIATE RELEASE ChoiceOne Financial Services, Inc. and Fentura Financial, Inc. Shareholders Approve Merger SPARTA, Mich., and FENTON, Mich., December 13, 2024 (PR NEWSWIRE) – ChoiceOne Financial Services, Inc., (NASDAQ: COFS) (“ChoiceOne”), the parent company of ChoiceOne Bank, and Fentura Financial, Inc. (OTCQX: FETM) (“Fentura”), the parent company of The State Bank, jointly a

December 13, 2024 8-K

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): December 12, 2024 ChoiceOne Finan

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): December 12, 2024 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in Charter) Michigan (State or Other Jurisdiction of Incorporation) 001-39209 (Commission F

November 8, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ Quarterly Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2024 ☐ Transition Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to . Commission File Number: 001-39209 ChoiceOne Financi

November 8, 2024 SC 13G

COFS / ChoiceOne Financial Services, Inc. / BlackRock, Inc. Passive Investment

SC 13G 1 us1703861062110824.txt us1703861062110824.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: ) CHOICEONE FINANCIAL SERVICES INC - (Name of Issuer) Common Stock - (Title of Class of Securities) 170386106 - (CUSIP Number) September 30, 2024 - (Date of Event Which Requires Filing of this Statement) Check the app

November 4, 2024 EX-99.1

INVESTOR PRESENTATION THIRD QUARTER 2024 2 FORWARD - LOOKING STATEMENTS This presentation contains forward - looking statements that are based on management’s beliefs, assumptions, current expectations, estimates and projections about the financial s

INVESTOR PRESENTATION THIRD QUARTER 2024 2 FORWARD - LOOKING STATEMENTS This presentation contains forward - looking statements that are based on management’s beliefs, assumptions, current expectations, estimates and projections about the financial services industry, the economy, and ChoiceOne .

November 4, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

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 4, 2024 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in Charter) Michigan (State or Other Jurisdiction of Incorporation) 001-39209 (Commission Fi

October 24, 2024 SC 13G

COFS / ChoiceOne Financial Services, Inc. / BlackRock, Inc. Passive Investment

SC 13G 1 us1703861062102424.txt us1703861062102424.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: ) CHOICEONE FINANCIAL SERVICES INC - (Name of Issuer) Common Stock - (Title of Class of Securities) 170386106 - (CUSIP Number) September 30, 2024 - (Date of Event Which Requires Filing of this Statement) Check the app

October 23, 2024 EX-99.1

Condensed Balance Sheets (Unaudited)

EXHIBIT 99.1 News Release ChoiceOne Reports Third Quarter 2024 Results Sparta, Michigan – October 23, 2024 – ChoiceOne Financial Services, Inc. ("ChoiceOne", NASDAQ:COFS), the parent company for ChoiceOne Bank, reported financial results for the quarter ended September 30, 2024. Quarterly Highlights • ChoiceOne reported net income of $7,348,000 and $19,568,000 for the three and nine months ended S

October 23, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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 23, 2024 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 001-39209 (Commission

October 23, 2024 EX-99.1

Condensed Balance Sheets (Unaudited)

EXHIBIT 99.1 News Release ChoiceOne Reports Third Quarter 2024 Results Sparta, Michigan – October 23, 2024 – ChoiceOne Financial Services, Inc. ("ChoiceOne", NASDAQ:COFS), the parent company for ChoiceOne Bank, reported financial results for the quarter ended September 30, 2024. Quarterly Highlights • ChoiceOne reported net income of $7,348,000 and $19,568,000 for the three and nine months ended S

October 23, 2024 425

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 23, 2024 ChoiceOne Financi

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 23, 2024 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 001-39209 (Commission

October 22, 2024 424B3

MERGER PROPOSED — YOUR VOTE IS VERY IMPORTANT

TABLE OF CONTENTS Filed pursuant to Rule 424(b)(3) Registration No. 333-282177   MERGER PROPOSED — YOUR VOTE IS VERY IMPORTANT The board of directors of ChoiceOne Financial Services, Inc. (“ChoiceOne”) is furnishing this joint proxy statement and prospectus and the accompanying form of proxy to ChoiceOne shareholders to solicit proxies to vote at a special meeting of ChoiceOne's shareholders to be

October 16, 2024 EX-99.5

CONSENT OF HOVDE GROUP, LLC

Exhibit 99.5 CONSENT OF HOVDE GROUP, LLC We hereby consent to the inclusion of our fairness opinion as Annex E to the Joint Proxy Statement/Prospectus included in the Registration Statement on Form S-4 (the “Registration Statement”) relating to the proposed merger of Fentura Financial, Inc. with and into ChoiceOne Financial Services, Inc. and to the reference to our firm’s name and such opinion in

October 16, 2024 CORRESP

ChoiceOne Financial Services, Inc. 109 East Division Sparta, Michigan 49345 (616) 887-7366 October 16, 2024

ChoiceOne Financial Services, Inc. 109 East Division Sparta, Michigan 49345 (616) 887-7366 October 16, 2024 VIA EDGAR Securities and Exchange Commission Division of Corporation Finance Office of Financial Services 100 F Street, N.E. Washington, D.C. 20549 Attn: Robert Arzonetti, Staff Attorney Re: ChoiceOne Financial Services, Inc. (the “Registrant”) Registration Statement on Form S-4 (File No. 33

October 16, 2024 EX-99.2

EX-99.2

Exhibit 99.2

October 16, 2024 S-4/A

As filed with the Securities and Exchange Commission on October 16, 2024

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on October 16, 2024 File No.

October 16, 2024 EX-99.1

EX-99.1

Exhibit 99.1

October 16, 2024 EX-99.4

CONSENT OF JANNEY MONTGOMERY SCOTT LLC.

Exhibit 99.4 CONSENT OF JANNEY MONTGOMERY SCOTT LLC. We hereby consent to the inclusion of our opinion letter to the Board of Directors of ChoiceOne Financial Services, Inc. (the “Company”) as an Annex to the Proxy Statement/Prospectus relating to the proposed merger of the Company with Fentura Financial, Inc. contained in the Amended Registration Statement on Form S-4, as filed with the Securitie

September 26, 2024 LETTER

LETTER

September 26, 2024 Kelly J. Potes Chief Executive Officer ChoiceOne Financial Services, Inc. 109 East Division Sparta, Michigan 49345 Re: ChoiceOne Financial Services, Inc. Registration Statement on Form S-4 Filed September 17, 2024 File No. 333-282177 Dear Kelly J. Potes: This is to advise you that we have not reviewed and will not review your registration statement. Please refer to Rules 460 and

September 17, 2024 EX-FILING FEES

Calculation of Filing Fee Table FORM S-4 (Form Type) CHOICEONE FINANCIAL SERVICES, INC. (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities

Exhibit 107 Calculation of Filing Fee Table FORM S-4 (Form Type) CHOICEONE FINANCIAL SERVICES, INC.

September 17, 2024 S-4

As filed with the Securities and Exchange Commission on September 17, 2024

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on September 17, 2024 File No.

September 17, 2024 EX-24

LIMITED POWER OF ATTORNEY

EXHIBIT 24 LIMITED POWER OF ATTORNEY The undersigned, in his or her capacity as a director or officer, or both, as the case may be, of ChoiceOne Financial Services, Inc.

September 17, 2024 EX-99.3

VOTING AGREEMENT

Exhibit 99.3 VOTING AGREEMENT This Voting Agreement is entered into between ChoiceOne Financial Services, Inc. and each of the undersigned directors and executive officers of Fentura Financial, Inc. (the "Company"). Each of the undersigned directors and executive officers hereby agrees in his or her individual capacity as a shareholder to vote his or her shares of Company Common Stock that are reg

September 17, 2024 EX-99.5

CONSENT OF HOVDE GROUP, LLC

EXHIBIT 99.5 CONSENT OF HOVDE GROUP, LLC We hereby consent to the inclusion of our fairness opinion as Annex E to the Joint Proxy Statement/Prospectus included in the Registration Statement on Form S-4 (the “Registration Statement”) relating to the proposed merger of Fentura Financial, Inc. with and into ChoiceOne Financial Services, Inc. and to the reference to our firm’s name and such opinion in

September 17, 2024 EX-99.4

CONSENT OF JANNEY MONTGOMERY SCOTT LLC.

Exhibit 99.4 CONSENT OF JANNEY MONTGOMERY SCOTT LLC. We hereby consent to the inclusion of our opinion letter to the Board of Directors of ChoiceOne Financial Services, Inc. (the “Company”) as an Annex to the Proxy Statement/Prospectus relating to the proposed merger of the Company with Fentura Financial, Inc. contained in the Registration Statement on Form S-4, as filed with the Securities and Ex

September 17, 2024 EX-99.1

EX-99.1

Exhibit 99.1

August 14, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ Quarterly Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2024 ☐ Transition Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 001-39209 ChoiceOne Financial Serv

July 26, 2024 424B5

1,200,000 Shares ChoiceOne Financial Services, Inc. Common Stock

TABLE OF CONTENTS Filed pursuant to Rule 424(b)(5) Registration Statement No. 333-272337 PROSPECTUS SUPPLEMENT (To Prospectus Dated June 20, 2023) 1,200,000 Shares ChoiceOne Financial Services, Inc. Common Stock We are offering 1,200,000 shares of our common stock, no par value per share. Our common stock is listed on the Nasdaq Capital Market (“Nasdaq”), under the symbol “COFS.” On July 24, 2024,

July 26, 2024 8-K

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

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) July 26, 2024 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 001-39209 (Commission Fi

July 26, 2024 EX-99.1

ChoiceOne Financial Services, Inc. Announces Closing of $34.5 Million Offering of Common Stock

Exhibit 99.1 FOR IMMEDIATE RELEASE ChoiceOne Financial Services, Inc. Announces Closing of $34.5 Million Offering of Common Stock (July 26, 2024) - SPARTA, MI, ChoiceOne Financial Services, Inc. (NASDAQ: COFS) (“ChoiceOne”), the parent company of ChoiceOne Bank, today announced the closing of its underwritten public offering of 1,380,000 shares of its common stock at a price to the public of $25.0

July 25, 2024 EX-99.8

UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL INFORMATION

Exhibit 99.8 UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL INFORMATION The following unaudited pro forma condensed combined financial information combines the historical consolidated balance sheet and statement of income for ChoiceOne Financial Services, Inc. (“ChoiceOne”) and Fentura Financial, Inc. (“Fentura”), after giving effect to the merger, using the acquisition method of accounting and

July 25, 2024 EX-99.1

VOTING AGREEMENT

Exhibit 99.1 VOTING AGREEMENT This Voting Agreement is entered into between ChoiceOne Financial Services, Inc. and each of the undersigned directors and executive officers of Fentura Financial, Inc. (the “Company”). Each of the undersigned directors and executive officers hereby agrees in his or her individual capacity as a shareholder to vote his or her shares of Company Common Stock that are reg

July 25, 2024 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Other Events

falseCHOICEONE FINANCIAL SERVICES INC0000803164109 EAST DIVISIONSPARTA49345-0186NASDAQ00008031642024-07-252024-07-25 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

July 25, 2024 EX-2.1

Agreement and Plan of Merger by and between ChoiceOne Financial Services, Inc. and Fentura Financial, Inc. dated July 25, 2024. Previously filed with the Commission on July 25, 2024 in ChoiceOne Financial Services, Inc.’s Current Report on Form 8-K, Exhibit 2.1. Here incorporated by reference.

Exhibit 2.1 AGREEMENT AND PLAN OF MERGER BY AND BETWEEN CHOICEONE FINANCIAL SERVICES, INC. AND FENTURA FINANCIAL, INC. Dated as of July 25, 2024 TABLE OF CONTENTS ARTICLE I THE MERGER 1 1.1 Merger. 1 1.2 The Closing. 2 1.3 Effective Time of Merger. 2 1.4 Additional Actions. 2 1.5 Surviving Corporation. 3 1.6 Bank Consolidation. 3 1.7 Reservation of Right to Revise Structure. 3 ARTICLE II EFFECT OF

July 25, 2024 EX-99.5

Consolidated Financial Statements Years Ended December 31, 2023, 2022 and 2021 (this page is left intentionally blank) Fentura Financial, Inc. Table of Contents

Exhibit 99.5 Consolidated Financial Statements Years Ended December 31, 2023, 2022 and 2021 (this page is left intentionally blank) Fentura Financial, Inc. Table of Contents Report of Independent Registered Public Accounting Firm 1 Consolidated Financial Statements Consolidated Balance Sheets as of December 31, 2023 and 2022 3 Consolidated Statements of Income for the Years Ended December 31, 2023

July 25, 2024 EX-99.7

PART I. FINANCIAL INFORMATION

Exhibit 99.7 PART I. FINANCIAL INFORMATION Item 1. Financial Statements. ChoiceOne Financial Services, Inc. CONSOLIDATED BALANCE SHEETS (Unaudited) (Dollars in thousands, except share data) June 30, 2024 December 31 ,2023 Assets Cash and due from banks $ 100,652 $ 55,083 Time deposits in other financial institutions 350 350 Cash and cash equivalents 101,002 55,433 Equity securities, at fair value

July 25, 2024 EX-99.1

ChoiceOne Financial Services, Inc. Announces Pricing of Common Stock Offering

Exhibit 99.1 FOR IMMEDIATE RELEASE ChoiceOne Financial Services, Inc. Announces Pricing of Common Stock Offering (July 25, 2024) - SPARTA, MI, ChoiceOne Financial Services, Inc. (NASDAQ: COFS) (“ChoiceOne”), the parent company of ChoiceOne Bank, announced today the pricing of an underwritten public offering of 1,200,000 shares of its common stock at a price to the public of $25.00 per share, for g

July 25, 2024 425

Frequently asked Questions about the announcement of the acquisition of Fentura Financial, Inc. by ChoiceOne Financial Services, Inc. For Employees

Filed by ChoiceOne Financial Services, Inc. Commission File Number: 001-39209 Pursuant to Rule 425 under the Securities Act of 1933 Subject Company: Fentura Financial, Inc. Frequently asked Questions about the announcement of the acquisition of Fentura Financial, Inc. by ChoiceOne Financial Services, Inc. For Employees What was announced today? ChoiceOne Financial Services, Inc. has entered into a

July 25, 2024 EX-99.4

MERGER WITH FENTURA FINANCIAL, INC. TRANSACTION OVERVIEW JULY 25, 2024 2 FORWARD-LOOKING STATEMENTS This presentation contains forward-looking statements within the meaning of the federal securities laws relating to the proposed merger with Fentura F

Exhibit 99.4 MERGER WITH FENTURA FINANCIAL, INC. TRANSACTION OVERVIEW JULY 25, 2024 2 FORWARD-LOOKING STATEMENTS This presentation contains forward-looking statements within the meaning of the federal securities laws relating to the proposed merger with Fentura Financial, Inc. (“Fentura”) by ChoiceOne Financial Services, Inc. (“ChoiceOne” or “COFS”), the integration of Fentura with ChoiceOne, the

July 25, 2024 EX-99.4

MERGER WITH FENTURA FINANCIAL, INC. TRANSACTION OVERVIEW JULY 25, 2024 2 FORWARD-LOOKING STATEMENTS This presentation contains forward-looking statements within the meaning of the federal securities laws relating to the proposed merger with Fentura F

Exhibit 99.4 MERGER WITH FENTURA FINANCIAL, INC. TRANSACTION OVERVIEW JULY 25, 2024 2 FORWARD-LOOKING STATEMENTS This presentation contains forward-looking statements within the meaning of the federal securities laws relating to the proposed merger with Fentura Financial, Inc. (“Fentura”) by ChoiceOne Financial Services, Inc. (“ChoiceOne” or “COFS”), the integration of Fentura with ChoiceOne, the

July 25, 2024 EX-99.5

Consolidated Financial Statements Years Ended December 31, 2023, 2022 and 2021 (this page is left intentionally blank) Fentura Financial, Inc. Table of Contents

Exhibit 99.5 Consolidated Financial Statements Years Ended December 31, 2023, 2022 and 2021 (this page is left intentionally blank) Fentura Financial, Inc. Table of Contents Report of Independent Registered Public Accounting Firm 1 Consolidated Financial Statements Consolidated Balance Sheets as of December 31, 2023 and 2022 3 Consolidated Statements of Income for the Years Ended December 31, 2023

July 25, 2024 EX-1.1

1,200,000 Shares ChoiceOne Financial Services, Inc. Common Stock UNDERWRITING AGREEMENT July 25, 2024

Exhibit 1.1 1,200,000 Shares ChoiceOne Financial Services, Inc. Common Stock UNDERWRITING AGREEMENT July 25, 2024 D.A. DAVIDSON & CO. 757 3rd Avenue, Suite 1902 New York, New York 10017 Ladies and Gentlemen: ChoiceOne Financial Services, Inc., a Michigan corporation (the “Company”), proposes to issue and sell to D.A. Davidson & Co. (the “Underwriter”), pursuant to the terms set forth herein (this

July 25, 2024 EX-99.8

UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL INFORMATION

Exhibit 99.8 UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL INFORMATION The following unaudited pro forma condensed combined financial information combines the historical consolidated balance sheet and statement of income for ChoiceOne Financial Services, Inc. (“ChoiceOne”) and Fentura Financial, Inc. (“Fentura”), after giving effect to the merger, using the acquisition method of accounting and

July 25, 2024 425

Fentura Financial, Inc. and ChoiceOne Financial Services, Inc. announce strategic merger

Filed by ChoiceOne Financial Services, Inc. Commission File Number: 001-39209 Pursuant to Rule 425 under the Securities Act of 1933 Subject Company: Fentura Financial, Inc. The State Bank Communications All Staff Email Morning Team, Many of you were on a call this morning when I shared some important news. For those of you not able to be on the call, this email contains the information I shared. I

July 25, 2024 EX-2.1

AGREEMENT AND PLAN OF MERGER BY AND BETWEEN CHOICEONE FINANCIAL SERVICES, INC. FENTURA FINANCIAL, INC. Dated as of July 25, 2024 TABLE OF CONTENTS

Exhibit 2.1 AGREEMENT AND PLAN OF MERGER BY AND BETWEEN CHOICEONE FINANCIAL SERVICES, INC. AND FENTURA FINANCIAL, INC. Dated as of July 25, 2024 TABLE OF CONTENTS ARTICLE I THE MERGER 1 1.1 Merger. 1 1.2 The Closing. 2 1.3 Effective Time of Merger. 2 1.4 Additional Actions. 2 1.5 Surviving Corporation. 3 1.6 Bank Consolidation. 3 1.7 Reservation of Right to Revise Structure. 3 ARTICLE II EFFECT OF

July 25, 2024 EX-99.6

Fentura Financial, Inc. Table of Contents

Exhibit 99.6 Fentura Financial, Inc. Table of Contents Interim Condensed Consolidated Financial Statements (Unaudited) Interim Condensed Consolidated Balance Sheets as of June 30, 2024 and December 31, 2023 2 Interim Condensed Consolidated Statements of Income for the three and six months ended June 30, 2024 and 2023 3 Interim Condensed Consolidated Statements of Comprehensive Income for the three

July 25, 2024 EX-99.2

ChoiceOne Financial Services, Inc. Announces Merger with Fentura Financial, Inc.

Exhibit 99.2 For Immediate Release ChoiceOne Financial Services, Inc. Announces Merger with Fentura Financial, Inc. SPARTA, MI and FENTON, MI July 25, 2024 – ChoiceOne Financial Services, Inc. (NASDAQ: COFS) (“ChoiceOne”), the parent company of ChoiceOne Bank, and Fentura Financial, Inc. (OTCQX: FETM) (“Fentura”), the parent company of The State Bank, today announced the signing of a definitive me

July 25, 2024 425

Frequently asked Questions about the announcement of the acquisition of Fentura Financial, Inc. by ChoiceOne Financial Services, Inc. For Customers

Filed by ChoiceOne Financial Services, Inc. Commission File Number: 001-39209 Pursuant to Rule 425 under the Securities Act of 1933 Subject Company: Fentura Financial, Inc. Frequently asked Questions about the announcement of the acquisition of Fentura Financial, Inc. by ChoiceOne Financial Services, Inc. For Customers What was announced on July 25? ChoiceOne Financial Services, Inc. has entered i

July 25, 2024 EX-99.3

ChoiceOne Financial Services, Inc. Announces Commencement of Common Stock Offering

Exhibit 99.3 FOR IMMEDIATE RELEASE ChoiceOne Financial Services, Inc. Announces Commencement of Common Stock Offering (July 25, 2024) - SPARTA, MI, ChoiceOne Financial Services, Inc. (NASDAQ: COFS) (“ChoiceOne”), the parent company of ChoiceOne Bank, announced today that it has commenced an underwritten public offering of shares of its common stock. ChoiceOne also expects to grant the underwriter

July 25, 2024 EX-99.1

VOTING AGREEMENT

Exhibit 99.1 VOTING AGREEMENT This Voting Agreement is entered into between ChoiceOne Financial Services, Inc. and each of the undersigned directors and executive officers of Fentura Financial, Inc. (the “Company”). Each of the undersigned directors and executive officers hereby agrees in his or her individual capacity as a shareholder to vote his or her shares of Company Common Stock that are reg

July 25, 2024 EX-99.3

ChoiceOne Financial Services, Inc. Announces Commencement of Common Stock Offering

Exhibit 99.3 FOR IMMEDIATE RELEASE ChoiceOne Financial Services, Inc. Announces Commencement of Common Stock Offering (July 25, 2024) - SPARTA, MI, ChoiceOne Financial Services, Inc. (NASDAQ: COFS) (“ChoiceOne”), the parent company of ChoiceOne Bank, announced today that it has commenced an underwritten public offering of shares of its common stock. ChoiceOne also expects to grant the underwriter

July 25, 2024 425

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

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) July 25, 2024 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 001-39209 (Commission Fi

July 25, 2024 EX-99.2

ChoiceOne Financial Services, Inc. Announces Merger with Fentura Financial, Inc.

Exhibit 99.2 For Immediate Release ChoiceOne Financial Services, Inc. Announces Merger with Fentura Financial, Inc. SPARTA, MI and FENTON, MI July 25, 2024 – ChoiceOne Financial Services, Inc. (NASDAQ: COFS) (“ChoiceOne”), the parent company of ChoiceOne Bank, and Fentura Financial, Inc. (OTCQX: FETM) (“Fentura”), the parent company of The State Bank, today announced the signing of a definitive me

July 25, 2024 8-K

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) July 25, 2024 ChoiceOne Financial

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) July 25, 2024 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission Fi

July 25, 2024 425

ChoiceOne Financial Services, Inc. and Fentura Financial, Inc. announce strategic merger

Filed by ChoiceOne Financial Services, Inc. Commission File Number: 001-39209 Pursuant to Rule 425 under the Securities Act of 1933 Subject Company: Fentura Financial, Inc. ChoiceOne Bank Communications Employee Email We are pleased to announce that the ChoiceOne Team is about to get bigger. Today we are announcing the strategic acquisition of Fentura Financial, Inc. and its wholly owned bank, The

July 25, 2024 EX-99.9

SECOND Quarter 2024 Forward-looking Statements This presentation contains forward-looking statements that are based on management’s beliefs, assumptions, current expectations, estimates and projections about the financial services industry, the econo

Exhibit 99.9 SECOND Quarter 2024 Forward-looking Statements This presentation contains forward-looking statements that are based on management’s beliefs, assumptions, current expectations, estimates and projections about the financial services industry, the economy, and ChoiceOne. Words such as “anticipates,” “believes,” “estimates,” “expects,” “forecasts,” “intends,” “is likely,” “plans,” “predic

July 25, 2024 EX-99.6

Fentura Financial, Inc. Table of Contents

Exhibit 99.6 Fentura Financial, Inc. Table of Contents Interim Condensed Consolidated Financial Statements (Unaudited) Interim Condensed Consolidated Balance Sheets as of June 30, 2024 and December 31, 2023 2 Interim Condensed Consolidated Statements of Income for the three and six months ended June 30, 2024 and 2023 3 Interim Condensed Consolidated Statements of Comprehensive Income for the three

July 25, 2024 EX-99.1

Condensed Balance Sheets (Unaudited)

EXHIBIT 99.1 News Release ChoiceOne Reports Second Quarter 2024 Results Sparta, Michigan – July 25, 2024 – ChoiceOne Financial Services, Inc. ("ChoiceOne", NASDAQ:COFS), the parent company for ChoiceOne Bank, reported financial results for the quarter ended June 30, 2024. Financial Highlights • ChoiceOne reported net income of $6,586,000 and $12,220,000 for the three and six months ended June 30,

July 25, 2024 EX-99.7

PART I. FINANCIAL INFORMATION

Exhibit 99.7 PART I. FINANCIAL INFORMATION Item 1. Financial Statements. ChoiceOne Financial Services, Inc. CONSOLIDATED BALANCE SHEETS (Unaudited) (Dollars in thousands, except share data) June 30, 2024 December 31 ,2023 Assets Cash and due from banks $ 100,652 $ 55,083 Time deposits in other financial institutions 350 350 Cash and cash equivalents 101,002 55,433 Equity securities, at fair value

July 25, 2024 424B5

SUBJECT TO COMPLETION DATED JULY 25, 2024

TABLE OF CONTENTS The information in this preliminary prospectus supplement is not complete and may be changed.

July 25, 2024 8-K

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

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) July 25, 2024 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 001-39209 (Commission Fi

July 25, 2024 EX-99.9

SECOND Quarter 2024 Forward-looking Statements This presentation contains forward-looking statements that are based on management’s beliefs, assumptions, current expectations, estimates and projections about the financial services industry, the econo

Exhibit 99.9 SECOND Quarter 2024 Forward-looking Statements This presentation contains forward-looking statements that are based on management’s beliefs, assumptions, current expectations, estimates and projections about the financial services industry, the economy, and ChoiceOne. Words such as “anticipates,” “believes,” “estimates,” “expects,” “forecasts,” “intends,” “is likely,” “plans,” “predic

June 7, 2024 SC 13G/A

COFS / ChoiceOne Financial Services, Inc. / BlackRock Inc. Passive Investment

SC 13G/A 1 us1703861062060724.txt us1703861062060724.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: 1) CHOICEONE FINANCIAL SERVICES INC - (Name of Issuer) Common Stock - (Title of Class of Securities) 170386106 - (CUSIP Number) May 31, 2024 - (Date of Event Which Requires Filing of this Statement) Check the approp

June 3, 2024 8-K

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): May 29, 2024 ChoiceOne Financial

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): May 29, 2024 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission Fi

May 29, 2024 8-K

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): May 29, 2024 ChoiceOne Financial

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): May 29, 2024 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission Fi

May 29, 2024 EX-99.1

Annual Meeting 2024 2 AGENDA 37 TH ANNUAL SHAREHOLDER MEETING INTRODUCTIONS • Jack Hendon, Chairman of the Board CALL TO ORDER & PRESENTATION OF PROPOSALS IN PROXY STATEMENT • Election of Directors • Advisory approval of ChoiceOne’s Executive Compens

Exhibit 99.1 Exhibit 99.1 Annual Meeting 2024 2 AGENDA 37 TH ANNUAL SHAREHOLDER MEETING INTRODUCTIONS • Jack Hendon, Chairman of the Board CALL TO ORDER & PRESENTATION OF PROPOSALS IN PROXY STATEMENT • Election of Directors • Advisory approval of ChoiceOne’s Executive Compensation • Ratification of the selection of Plante & Moran, PLLC as independent registered public accounting firm for the year

May 7, 2024 EX-99.1

INVESTOR PRESENTATION FIRST QUARTER 2024 2 FORWARD - LOOKING STATEMENTS This presentation contains forward - looking statements that are based on management’s beliefs, assumptions, current expectations, estimates and projections about the financial s

EXHIBIT 99.1 INVESTOR PRESENTATION FIRST QUARTER 2024 2 FORWARD - LOOKING STATEMENTS This presentation contains forward - looking statements that are based on management’s beliefs, assumptions, current expectations, estimates and projections about the financial services industry, the economy, and ChoiceOne . Words such as “anticipates,” “believes,” “estimates,” “expects,” “forecasts,” “intends,” “

May 7, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

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): May 7, 2024 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission File Nu

May 7, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ Quarterly Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2024 ☐ Transition Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 000-19202 ChoiceOne Financial Ser

April 24, 2024 EX-99.1

Condensed Balance Sheets (Unaudited)

EXHIBIT 99.1 News Release ChoiceOne Reports First Quarter 2024 Results Sparta, Michigan – April 24, 2024 – ChoiceOne Financial Services, Inc. ("ChoiceOne", NASDAQ:COFS), the parent company for ChoiceOne Bank, reported financial results for the quarter ended March 31, 2024. Financial Highlights • ChoiceOne reported net income of $5,634,000 for the three months ended March 31, 2024, compared to $5,6

April 24, 2024 8-K

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) April 24, 2024 ChoiceOne Financial

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) April 24, 2024 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission F

April 11, 2024 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  ) Filed by the Registrant ☒ Filed by a Party other than the Registrant  ☐ Check the appropriate box:  ☐ Preliminary Proxy Statement  ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ D

April 11, 2024 ARS

ARS

2023 ANNUAL R E P O R T 125 YEAR ANNIVERSARY2022 2023 2021 FOR THE YEAR (DOLLARS IN THOUSANDS) Net Income $ 21,261 $ 23,640 $ 22,042 Cash Dividends Declared $ 7,910 $ 7,578 $ 7,200 PER SHARE Net Income $ 2.

March 13, 2024 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2023 ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 000-19202 ChoiceOne Financial Services, Inc.

March 13, 2024 EX-97

Incentive-Based Compensation Recoupment Policy

Incentive-Based Compensation Recoupment Policy Adoption Date: September 27, 2023 Last Review Date: November 29, 2023 Overview The Board of Directors (the “Board”) of ChoiceOne Financial Services, Inc.

March 13, 2024 EX-19

Insider Trading Policy

ChoiceOne Insider Trading Policy Adoption date: June 24, 2020 Last Revision: February 22, 2024 This Insider Trading Policy describes the standards of ChoiceOne Financial Services, Inc.

March 13, 2024 EX-21

Subsidiaries of ChoiceOne Financial Services, Inc.

EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT The following lists the subsidiaries of the Registrant and the state or jurisdiction of incorporation.

March 13, 2024 EX-24

Powers of Attorney.

Exhibit 24 LIMITED POWER OF ATTORNEY The undersigned, in his or her capacity as a director or officer, or both, of ChoiceOne Financial Services, Inc.

January 31, 2024 SC 13G

COFS / ChoiceOne Financial Services, Inc. / BlackRock Inc. Passive Investment

SC 13G 1 us1703861062013124.txt us1703861062013124.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: ) CHOICEONE FINANCIAL SERVICES INC - (Name of Issuer) Common Stock - (Title of Class of Securities) 170386106 - (CUSIP Number) December 31, 2023 - (Date of Event Which Requires Filing of this Statement) Check the appr

January 25, 2024 EX-99.1

Condensed Balance Sheets (Unaudited)

EXHIBIT 99.1 News Release ChoiceOne Reports Fourth Quarter 2023 Results Sparta, Michigan – January 24, 2024 – ChoiceOne Financial Services, Inc. ("ChoiceOne", NASDAQ:COFS), the parent company for ChoiceOne Bank, reported financial results for the quarter ended December 31, 2023. Financial Highlights • Founded in 1898, ChoiceOne Bank celebrated its 125th anniversary serving local Michigan communiti

January 25, 2024 8-K

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) January 24, 2024 ChoiceOne Financi

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) January 24, 2024 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission

November 13, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ Quarterly Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2023 ☐ Transition Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 000-19202 ChoiceOne Financial

November 2, 2023 EX-99.1

EXHIBIT 99.1

EXHIBIT 99.1 2 2 2 FORWARD - LOOKING STATEMENTS • This presentation contains forward - looking statements that are based on management’s beliefs, assumptions, current expectations, estimates and projections about the financial services industry, the economy, and ChoiceOne. Words such as “anticipates,” “believes,” “estima tes,” “expects,” “forecasts,” “intends,” “is likely,” “plans,” “predicts,” “p

November 2, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

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 2, 2023 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission Fi

October 25, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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 25, 2023 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission

October 25, 2023 EX-99.1

Condensed Balance Sheets (Unaudited)

EXHIBIT 99.1 News Release ChoiceOne Reports Third Quarter 2023 Results Sparta, Michigan – October 25, 2023 – ChoiceOne Financial Services, Inc. ("ChoiceOne", NASDAQ:COFS), the parent company for ChoiceOne Bank, reported financial results for the quarter ended September 30, 2023. Financial Highlights • Founded in 1898, ChoiceOne Bank celebrates its 125th anniversary serving local Michigan communiti

October 23, 2023 8-K

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 22, 2023 ChoiceOne Financ

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 22, 2023 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commissio

September 6, 2023 EX-99.1

2 2 2 FORWARD - LOOKING STATEMENTS • This presentation contains forward - looking statements that are based on management’s beliefs, assumptions, current expectations, estimates and projections about the financial services industry, the economy, and

EXHIBIT 99.1 2 2 2 FORWARD - LOOKING STATEMENTS • This presentation contains forward - looking statements that are based on management’s beliefs, assumptions, current expectations, estimates and projections about the financial services industry, the economy, and ChoiceOne. Words such as “anticipates,” “believes,” “estima tes,” “expects,” “forecasts,” “intends,” “is likely,” “plans,” “predicts,” “p

September 6, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

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): September 6, 2023 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission F

August 14, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ Quarterly Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2023 ☐ Transition Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 000-19202 ChoiceOne Financial Serv

July 26, 2023 EX-99.1

Condensed Balance Sheets (Unaudited)

EXHIBIT 99.1 News Release ChoiceOne Reports Second Quarter 2023 Results Sparta, Michigan – July 26, 2023 – ChoiceOne Financial Services, Inc. ("ChoiceOne", NASDAQ:COFS), the parent company for ChoiceOne Bank, reported financial results for the quarter ended June 30, 2023. Financial Highlights • ChoiceOne reported net income of $5,213,000 and $10,846,000 for the three and six months ended June 30,

July 26, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): July 26, 2023 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission F

June 30, 2023 8-K

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): June 28, 2023 ChoiceOne Financial

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): June 28, 2023 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission F

June 13, 2023 CORRESP

ChoiceOne Financial Services, Inc. 109 East Division Sparta, Michigan 49345 (616) 887-7366 June 13, 2023

ChoiceOne Financial Services, Inc. 109 East Division Sparta, Michigan 49345 (616) 887-7366 June 13, 2023 VIA EDGAR Securities and Exchange Commission Division of Corporation Finance Office of Financial Services 100 F Street, N.E. Washington, D.C. 20549 Attn: Madeleine Mateo Re: ChoiceOne Financial Services, Inc. (the "Registrant") Registration Statement on Form S-3 (File No. 333-272337) Pursuant t

June 12, 2023 LETTER

LETTER

United States securities and exchange commission logo June 12, 2023 Kelly J. Potes Chief Executive Officer ChoiceOne Financial Services, Inc. 109 East Division Street Sparta, Michigan 49345 Re: ChoiceOne Financial Services, Inc. Registration Statement on Form S-3 Filed June 1, 2023 File No. 333-272337 Dear Kelly J. Potes: This is to advise you that we have not reviewed and will not review your reg

June 1, 2023 EX-4.1

Form of Indenture

Exhibit 4.1 ChoiceOne Financial Services, Inc. INDENTURE Dated as of , , as Trustee TABLE OF CONTENTS Page ARTICLE I. DEFINITIONS AND INCORPORATION BY REFERENCE 5 Section 1.1. Definitions 5 Section 1.2. Other Definitions 9 Section 1.3. Incorporation by Reference of Trust Indenture Act 9 Section 1.4. Rules of Construction 9 ARTICLE II. THE SECURITIES 10 Section 2.1. Issuable in Series 10 Section 2.

June 1, 2023 S-3

As filed with the Securities and Exchange Commission on June 1, 2023

As filed with the Securities and Exchange Commission on June 1, 2023 Registration No.

June 1, 2023 COVER

Warner Norcross & Judd LLP Attorneys at Law 1500 Warner Building 150 Ottawa Avenue NW Grand Rapids, Michigan 49503-2487 Telephone (616) 752-2000 Fax (616) 752-2500 June 1, 2023

Warner Norcross & Judd LLP Attorneys at Law 1500 Warner Building 150 Ottawa Avenue NW Grand Rapids, Michigan 49503-2487 Telephone (616) 752-2000 Fax (616) 752-2500 June 1, 2023 EDGAR TRANSMISSION Securities and Exchange Commission 100 F Street, N.

June 1, 2023 EX-24.1

Powers of Attorney

EXHIBIT 24 LIMITED POWER OF ATTORNEY The undersigned, in his or her capacity as director or officer, or both, as the case may be, of ChoiceOne Financial Services, Inc.

June 1, 2023 EX-FILING FEES

Calculation of Filing Fee Table

EXHIBIT 107 CALCULATION OF FILING FEE TABLE Form S-3 (Form Type) ChoiceOne Financial Services, Inc.

May 26, 2023 8-K

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): May 24, 2023 ChoiceOne Financial

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): May 24, 2023 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission Fi

May 24, 2023 EX-99.1

EXHIBIT 99.1

EXHIBIT 99.1 SERVICE • INNOVATION • RESPECT 2023 annual meeting 2 2 2 AGENDA 36th Annual Shareholder Meeting INTRODUCTIONS • Jack Hendon, Chairman of the Board CALL TO ORDER & PRESENTATION OF PROPOSALS IN PROXY STATEMENT • Election of Directors • Advisory approval of ChoiceOne’s Executive Compensation • Ratification of the selection of Plante & Moran, PLLC as independent registered public accounti

May 24, 2023 8-K

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): May 24, 2023 ChoiceOne Financial

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): May 24, 2023 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission Fi

May 9, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ Quarterly Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2023 ☐ Transition Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 000-19202 ChoiceOne Financial Ser

April 26, 2023 EX-99

Condensed Balance Sheets (Unaudited)

EXHIBIT 99.1 News Release ChoiceOne Financial Reports First Quarter 2023 Results Sparta, Michigan – April 26, 2023 – ChoiceOne Financial Services, Inc. ("ChoiceOne", NASDAQ:COFS), the parent company for ChoiceOne Bank, reported financial results for the quarter ended March 31, 2023. Financial Highlights • ChoiceOne reported net income of $5,633,000 for the three months ended March 31, 2023, compar

April 26, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): April 26, 2023 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission

April 11, 2023 ARS

ARS

annual report 2022 SERVICE • INNOVATION • RESPECT 2021 2022 2020 FOR THE YEAR (DOLLARS IN THOUSANDS) Net Income $ 23,640 $ 22,042 $ 15,613 Cash Dividends Declared $ 7,578 $ 7,200 $ 6,174 PER SHARE Net Income $ 3.

April 11, 2023 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.  ) Filed by the Registrant ☒ Filed by a Party other than the Registrant  ☐ Check the appropriate box:  ☐ Preliminary Proxy Statement  ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ D

March 23, 2023 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2022 ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 000-19202 ChoiceOne Financial Services, Inc.

March 23, 2023 EX-21

Subsidiaries of ChoiceOne Financial Services, Inc.

EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT The following lists the subsidiaries of the Registrant and the state or jurisdiction of incorporation.

March 23, 2023 EX-3.1

Restated Articles of Incorporation of ChoiceOne Financial Services, Inc. Previously filed as an exhibit to ChoiceOne’s Form 10-K Annual Report for the year ended December 31, 2022. Here incorporated by reference.

Exhibit 3.1 RESTATED ARTICLES OF INCORPORATION, AS AMENDED TO DATE OF CHOICEONE FINANCIAL SERVICES, INC. ARTICLE I NAME The name of the corporation is: CHOICEONE FINANCIAL SERVICES, INC. ARTICLE II PURPOSES The purposes of the corporation are to engage in any activity within the purposes for which corporations may be organized under the Michigan Business Corporation Act. ARTICLE III AUTHORIZED CAP

March 23, 2023 EX-4.4

Description of Rights of Shareholders

Exhibit 4.4 Description of Rights of Shareholders General The authorized capital stock of ChoiceOne Financial Services, Inc. ("ChoiceOne") consists of 15,000,000 shares of common stock, no par value, and 100,000 shares of preferred stock, no par value. As of February 28, 2023, there were 7,519,318 shares of ChoiceOne common stock issued and outstanding, and no shares of ChoiceOne preferred stock w

March 23, 2023 EX-24

Powers of Attorney.

Exhibit 24 LIMITED POWER OF ATTORNEY The undersigned, in his or her capacity as a director or officer, or both, of ChoiceOne Financial Services, Inc.

January 25, 2023 8-K

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): January 25, 2023 ChoiceOne Financ

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): January 25, 2023 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commissio

January 25, 2023 EX-99.1

Condensed Balance Sheets (Unaudited)

EXHIBIT 99.1 News Release ChoiceOne Financial Reports Fourth Quarter and Year End 2022 Results Sparta, Michigan – January 25, 2023 – ChoiceOne Financial Services, Inc. ("ChoiceOne", NASDAQ:COFS), the parent company for ChoiceOne Bank, reported financial results for the quarter ended December 31, 2022. Financial Highlights ● ChoiceOne reported net income of $6,684,000 and $23,640,000 for the three

November 10, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ? Quarterly Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2022 ? Transition Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 000-19202 ChoiceOne Financial

November 8, 2022 EX-99.1

• Forward Looking Statements. This presentation contains forward - looking statements that are based on management’s beliefs, assumptions, current expectations, estimates and projections about the financial services industry, the economy, and ChoiceO

EXHIBIT 99.1 ? Forward Looking Statements. This presentation contains forward - looking statements that are based on management?s beliefs, assumptions, current expectations, estimates and projections about the financial services industry, the economy, and ChoiceOne Financial Services, Inc. These statements are not guarantees of future performance and involve certain risks, uncertainties and assump

November 8, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

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 8, 2022 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission Fi

October 26, 2022 EX-99.1

ChoiceOne Financial Reports Third Quarter 2022 Results

EXHIBIT 99.1 ChoiceOne Financial Reports Third Quarter 2022 Results Sparta, Michigan - October 26, 2022 - ChoiceOne Financial Services, Inc. ("ChoiceOne", NASDAQ:COFS), the parent company for ChoiceOne Bank, reported financial results for the quarter ended September 30, 2022. Financial Highlights ? ChoiceOne reported net income of $5,813,000 and $16,956,000 for the three and nine months ended Sept

October 26, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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 26, 2022 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commissio

September 22, 2022 EX-99.1

Patrick Cronin Retires from ChoiceOne Holding Company and Bank Boards of Directors Michelle Wendling, Dr. Curt Coulter Appointed to Holding Company Board

EXHIBIT 99.1 FOR IMMEDIATE RELEASE Patrick Cronin Retires from ChoiceOne Holding Company and Bank Boards of Directors Michelle Wendling, Dr. Curt Coulter Appointed to Holding Company Board SPARTA, Mich., September 22, 2022 ? It is with sincere appreciation that the Boards of Directors of ChoiceOne Financial Services, Inc. (NASDAQ: COFS) (?ChoiceOne?), and ChoiceOne Bank announce the retirement of

September 22, 2022 8-K

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

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): September 21, 2022 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commiss

September 13, 2022 144

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 OMB APPROVAL OMB Number 3235-0101 Expires: July 31, 2023 Estimated average burden hours per response 1.0 FORM 144 SEC USE ONLY NOTICE OF PROPOSED SALE OF SECURITIES PURSUANT TO R

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 OMB APPROVAL OMB Number 3235-0101 Expires: July 31, 2023 Estimated average burden hours per response 1.0 FORM 144 SEC USE ONLY NOTICE OF PROPOSED SALE OF SECURITIES PURSUANT TO RULE 144 UNDER THE SECURITIES ACT OF 1933 DOCUMENT SEQUENCE NO. ATTENTION: Transmit for filing 3 copies of this form concurrently with either placing a

September 7, 2022 EX-99.1

• Forward Looking Statements. This presentation contains forward - looking statements that are based on management’s beliefs, assumptions, current expectations, estimates and projections about the financial services industry, the economy, and ChoiceO

EXHIBIT 99.1 ? Forward Looking Statements. This presentation contains forward - looking statements that are based on management?s beliefs, assumptions, current expectations, estimates and projections about the financial services industry, the economy, and ChoiceOne Financial Services, Inc. These statements are not guarantees of future performance and involve certain risks, uncertainties and assump

September 7, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, 8-K

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): September 7, 2022 ChoiceOne Financial Services Inc. (Exact Name of Registrant as Specified in its Charter) Michigan State or Other Jurisdiction of Incorporation) 000-19202 (Commission

August 12, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ? Quarterly Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2022 ? Transition Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 000-19202 ChoiceOne Financial Serv

July 29, 2022 8-K

Other Events

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): July 27, 2022 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission F

July 27, 2022 EX-99.1

ChoiceOne Financial Reports Second Quarter 2022 Results

EXHIBIT 99.1 ChoiceOne Financial Reports Second Quarter 2022 Results Sparta, Michigan - July 27, 2022 - ChoiceOne Financial Services, Inc. ("ChoiceOne", NASDAQ:COFS), the parent company for ChoiceOne Bank, reported financial results for the quarter ended June 30, 2022. Financial Highlights ? ChoiceOne reported net income of $5,615,000 and $11,143,000 for the three and six months ended June 30, 202

July 27, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): June 30, 2022 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission F

July 5, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

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): June 29, 2022 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission F

May 27, 2022 S-8

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 CHOICEONE FINANCIAL SERVICES, INC. (Exact Name of Registrant as Specified in its Charter)

Registration No. 333- UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 CHOICEONE FINANCIAL SERVICES, INC. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation or Organization) 109 East Division, Sparta, Michigan (Address of Principal Executive Offices) 38

May 27, 2022 EX-99.1

Equity Incentive Plan of 2022. (1) Previously filed as an exhibit to ChoiceOne’s Form S-8 filed May 27, 2022. Here incorporated by reference.

EXHIBIT 99.1 CHOICEONE FINANCIAL SERVICES, INC. EQUITY INCENTIVE PLAN OF 2022 SECTION 1 Establishment Of Plan; Purpose Of Plan 1.1 Establishment of Plan. The Company hereby establishes the EQUITY INCENTIVE PLAN OF 2022 for its corporate and Subsidiary officers and other key employees. The Plan permits the grant and award of equity incentive awards, such as Stock Options, Stock Appreciation Rights,

May 27, 2022 S-8

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 __________________________ FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 CHOICEONE FINANCIAL SERVICES, INC. (Exact Name of Registrant as Specified in its Chart

Registration No. 333- UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 CHOICEONE FINANCIAL SERVICES, INC. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation or Organization) 109 East Division, Sparta, Michigan (Address of Principal Executive Offices) 38

May 27, 2022 EX-24

Powers of Attorney

EXHIBIT 24 LIMITED POWER OF ATTORNEY The undersigned, in his or her capacity as a director or officer, or both, of ChoiceOne Financial Services, Inc.

May 27, 2022 EX-FILING FEES

Filing Fee Table

CALCULATION OF FILING FEE TABLE Form S-8 (Form Type) ChoiceOne Financial Services, Inc.

May 27, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Submission of Matters to a Vote of Security Holders

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): May 27, 2022 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission Fi

May 27, 2022 EX-FILING FEES

Filing Fee Table

CALCULATION OF FILING FEE TABLE Form S-8 (Form Type) ChoiceOne Financial Services, Inc.

May 27, 2022 S-8 POS

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 POST-EFFECTIVE AMENDMENT NO. 1 TO REGISTRATION STATEMENT ON FORM S-8, NO. 333-91364 POST-EFFECTIVE AMENDMENT NO. 1 TO REGISTRATION STATEMENT ON FORM S-8, NO. 333-176513 CHOICEONE

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 POST-EFFECTIVE AMENDMENT NO. 1 TO REGISTRATION STATEMENT ON FORM S-8, NO. 333-91364 POST-EFFECTIVE AMENDMENT NO. 1 TO REGISTRATION STATEMENT ON FORM S-8, NO. 333-176513 CHOICEONE FINANCIAL SERVICES, INC. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation or Organizatio

May 27, 2022 S-8 POS

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 POST-EFFECTIVE AMENDMENT NO. 1 TO REGISTRATION STATEMENT ON FORM S-8, NO. 333-91364 POST-EFFECTIVE AMENDMENT NO. 1 TO REGISTRATION STATEMENT ON FORM S-8, NO. 333-176513 CHOICEONE

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 POST-EFFECTIVE AMENDMENT NO. 1 TO REGISTRATION STATEMENT ON FORM S-8, NO. 333-91364 POST-EFFECTIVE AMENDMENT NO. 1 TO REGISTRATION STATEMENT ON FORM S-8, NO. 333-176513 CHOICEONE FINANCIAL SERVICES, INC. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation or Organizatio

May 27, 2022 EX-24

Powers of Attorney

EXHIBIT 24 LIMITED POWER OF ATTORNEY The undersigned, in his or her capacity as a director or officer, or both, of ChoiceOne Financial Services, Inc.

May 27, 2022 EX-99.1

2022 Employee Stock Purchase Plan. (1) Previously filed as an exhibit to ChoiceOne’s Form S-8 filed May 27, 2022. Here incorporated by reference.

EXHIBIT 99.1 CHOICEONE FINANCIAL SERVICES, INC. 2022 EMPLOYEE STOCK PURCHASE PLAN SECTION 1 PURPOSE OF PLAN The purpose of the ChoiceOne Financial Services, Inc. 2022 Employee Stock Purchase Plan is to further encourage Employees of the Company and the Company's Subsidiaries to continue their employment and promote the best interests of the Company, and to align the interests of Employees with the

May 25, 2022 EX-99.1

EXHIBIT 99.1

EXHIBIT 99.1 Choiceone FINANCIAL SERVICES, INC. AGENDA 35th Annual Shareholder Meeting INTRODUCTIONS ? Jack Hendon, Chairman of the Board CALL TO ORDER & PRESENTATION OF PROPOSALS IN PROXY STATEMENT ? Election of Directors ? Approval of the ChoiceOne Financial Services, Inc. Equity Incentive Plan of 2022 ? Approval of the ChoiceOne Financial Services, Inc. 2022 Employee Stock Purchase Plan ? Advis

May 25, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

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): May 25, 2022 ChoiceOne Financial Services, Inc (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission Fil

May 24, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

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): May 7, 2022 ChoiceOne Financial Services, Inc (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission File

May 13, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ? Quarterly Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2022 ? Transition Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 000-19202 ChoiceOne Financial Ser

April 29, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): April 29, 2022 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission

April 29, 2022 EX-99.1

ChoiceOne Financial Reports First Quarter 2022 Results

EXHIBIT 99.1 ChoiceOne Financial Reports First Quarter 2022 Results Sparta, Michigan - April 29, 2022 - ChoiceOne Financial Services, Inc. ("ChoiceOne", NASDAQ: COFS) reported net income of $5,528,000 or $0.74 per diluted share in the first quarter of 2022 compared to $6,238,000 or $0.80 per diluted share in the same period in 2021. "We continue to see strong organic growth in both core deposits,

April 21, 2022 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ? Filed by a Party other than the Registrant ?? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Defi

March 25, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

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): January 26, 2022 ChoiceOne Financial Services Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission

March 18, 2022 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K ? Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2021 ? Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 000-19202 ChoiceOne Financial Services, Inc.

March 18, 2022 EX-21

Subsidiaries of ChoiceOne Financial Services, Inc.

EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT The following lists the subsidiaries of the Registrant and the state or jurisdiction of incorporation.

March 18, 2022 EX-24

Powers of Attorney.

Exhibit 24 LIMITED POWER OF ATTORNEY The undersigned, in his or her capacity as a director or officer, or both, of ChoiceOne Financial Services, Inc.

February 2, 2022 EX-99.1

• Forward Looking Statements. This presentation contains forward-looking statements that are based on management's beliefs, assumptions, current expectations, estimates and projections about the financial services industry, the economy, and ChoiceOne

EXHIBIT 99.1 ? Forward Looking Statements. This presentation contains forward-looking statements that are based on management's beliefs, assumptions, current expectations, estimates and projections about the financial services industry, the economy, and ChoiceOne Financial Services, Inc. These statements are not guarantees of future performance and involve certain risks, uncertainties and assumpti

February 2, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, 8-K

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 2, 2022 ChoiceOne Financial Services, Inc (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission

January 26, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): January 26, 2022 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commissio

January 26, 2022 EX-99.1

Condensed Balance Sheets (Unaudited)

EXHIBIT 99.1 News Release ChoiceOne Financial Reports Fourth Quarter and Year End 2021 Results Sparta, Michigan ? January 26, 2022 ? ChoiceOne Financial Services, Inc. ("ChoiceOne", NASDAQ:COFS), the parent company for ChoiceOne Bank reported financial results for the quarter and year ended December 31, 2021. Significant items impacting comparable fourth quarter and year end 2021 and 2020 results

January 4, 2022 8-K

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

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): December 29, 2021 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commissi

January 4, 2022 EX-99.1

ChoiceOne Bank Names Adom J. Greenland Chief Financial Officer

EXHIBIT 99.1 FOR IMMEDIATE RELEASE ChoiceOne Bank Names Adom J. Greenland Chief Financial Officer Sparta, Michigan ? January 4, 2022 ? The Board of Directors of ChoiceOne Financial Services, Inc. (?ChoiceOne?, NASDAQ:COFS), the parent company of ChoiceOne Bank, announced effective January 1, 2022, Adom J. Greenland, who currently serves as Secretary and Chief Operating Officer of ChoiceOne and Cho

December 6, 2021 8-K

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

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): December 1, 2021 ChoiceOne Financial Services Inc (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission

December 6, 2021 EX-99.1

EXHIBIT 99.1

EXHIBIT 99.1 FOR IMMEDIATE RELEASE SPARTA, Mich., December 6, 2021 ? It is with great appreciation that ChoiceOne Financial Services, Inc. (NASDAQ: COFS) (?ChoiceOne?) announces the retirement of Chairman Paul L. Johnson from the Boards of Directors of ChoiceOne and ChoiceOne Bank effective December 25. Effective upon Mr. Johnson's retirement, Jack G. Hendon has been appointed Chairman of both Boa

November 8, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ? Quarterly Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2021 ? Transition Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 000-19202 ChoiceOne Financial

October 27, 2021 EX-99.1

Condensed Balance Sheets (Unaudited)

EXHIBIT 99.1 News Release Contact: Tom Lampen, ChoiceOne Bank (616) 887-2337 [email protected] ChoiceOne Financial Reports Third quarter 2021 Results Sparta, Michigan ? October 27, 2021 ? ChoiceOne Financial Services, Inc. ("ChoiceOne", NASDAQ:COFS), the parent company for ChoiceOne Bank, reported financial results for the quarter ended September 30, 2021. Significant items impacting comparabl

October 27, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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 27, 2021 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commissio

September 7, 2021 EX-99.1

ChoiceOne Financial Services, Inc. Completes $32.5 Million Subordinated Notes Offering

EXHIBIT 99.1 ChoiceOne Financial Services, Inc. Completes $32.5 Million Subordinated Notes Offering Sparta, MI, September 7, 2021 ? ChoiceOne Financial Services, Inc. (Nasdaq: COFS) (the ?Company?), the parent company of ChoiceOne Bank, today announced the completion of a private placement of $32.5 million in aggregate principal amount of 3.25% fixed-to-floating rate subordinated notes due 2031 (t

September 7, 2021 EX-4.1

Form of 3.25% Fixed-to-Floating Rate Subordinated Note due September 3, 2031. Previously filed as an exhibit to ChoiceOne Financial Services, Inc.'s Form 8-K filed September 7, 2021. Here incorporated by reference.

EX-4.1 5 choiceex41090721.htm SUBORDINATED NOTE EXHIBIT 4.1 SUBORDINATED NOTE CHOICEONE FINANCIAL SERVICES, INC. 3.25% FIXED TO FLOATING Subordinated Note due September 3, 2031 THE INDEBTEDNESS EVIDENCED BY THIS SUBORDINATED NOTE IS SUBORDINATED AND JUNIOR IN RIGHT OF PAYMENT TO SENIOR INDEBTEDNESS (AS DEFINED IN SECTION 3 OF THIS SUBORDINATED NOTE) OF CHOICEONE FINANCIAL SERVICES, INC. (THE “COMP

September 7, 2021 EX-4.2

Form of 3.25% Fixed-to-Floating Rate Global Subordinated Note due September 3, 2031. Previously filed as an exhibit to ChoiceOne Financial Services, Inc.'s Form 8-K filed September 7, 2021. Here incorporated by reference.

EX-4.2 6 choiceex42090721.htm EXHIBIT B EXHIBIT 4.2 FORM OF GLOBAL SUBORDINATED NOTE CHOICEONE FINANCIAL SERVICES, INC. 3.25% FIXED TO FLOATING Subordinated Note due SEPTEMBER 3, 2031 THE INDEBTEDNESS EVIDENCED BY THIS SUBORDINATED NOTE IS SUBORDINATED AND JUNIOR IN RIGHT OF PAYMENT TO SENIOR INDEBTEDNESS (AS DEFINED IN SECTION 3 OF THIS SUBORDINATED NOTE) OF CHOICEONE FINANCIAL SERVICES, INC. (TH

September 7, 2021 8-K

Financial Statements and Exhibits, Other Events

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): September 3, 2021 ChoiceOne Financial Services Inc (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission

August 25, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

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): August 25, 2021 ChoiceOne Financial Services Inc (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission F

August 12, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ? Quarterly Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2021 ? Transition Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 000-19202 ChoiceOne Financial Serv

July 28, 2021 EX-99.1

Condensed Balance Sheets (Unaudited)

EX-99.1 2 ex254624.htm EXHIBIT 99.1 EXHIBIT 99.1 News Release Contact: Tom Lampen, ChoiceOne Bank (616) 887-2337 [email protected] ChoiceOne Financial Reports Second quarter 2021 Results Sparta, Michigan – July 28, 2021 – ChoiceOne Financial Services, Inc. ("ChoiceOne", NASDAQ:COFS), the parent company for ChoiceOne Bank, reported financial results for the quarter ended June 30, 2021. Signific

July 28, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): July 28, 2021 ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission F

July 12, 2021 SC 13G/A

COFS / Choiceone Financial Services Inc / BlackRock Inc. Passive Investment

us1703861062071021.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: 1) CHOICEONE FINANCIAL SERVICES INC - (Name of Issuer) Common Stock - (Title of Class of Securities) 170386106 - (CUSIP Number) June 30, 2021 - (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule p

June 1, 2021 8-K

Submission of Matters to a Vote of Security Holders

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): May 27, 2021 ChoiceOne Financial Services Inc (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission File

May 28, 2021 EX-99.1

ChoiceOne Bank Announces Succession Plan for CFO Tom Lampen

EXHIBIT 99.1 FOR IMMEDIATE RELEASE ChoiceOne Bank Announces Succession Plan for CFO Tom Lampen Sparta, Michigan ? May 28, 2021 ? The Board of Directors of ChoiceOne Financial Services, Inc. (?ChoiceOne?, NASDAQ:COFS), the parent company of ChoiceOne Bank, today announced that Tom Lampen, Senior Vice President and Chief Financial Officer, has notified the organization of his intention to retire eff

May 28, 2021 8-K

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

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): May 27, 2021 ChoiceOne Financial Services Inc (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission File

May 27, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

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): May 27, 2021 ChoiceOne Financial Services Inc (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 000-19202 (Commission File

May 27, 2021 EX-99.1

This presentation contains forward - looking statements that are based on management’s beliefs, assumptions, current expectations, estimates and projections about the financial services industry, the economy, and ChoiceOne . Words such as “anticipate

EX-99.1 5 choiceex991052721.htm CHOICEONE EXHIBIT 99.1 TO FORM 8-K EXHIBIT 99.1 This presentation contains forward - looking statements that are based on management’s beliefs, assumptions, current expectations, estimates and projections about the financial services industry, the economy, and ChoiceOne . Words such as “anticipates,” “believes,” “estimates,” “expects,” “forecasts,” “intends,” “is li

May 13, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ Quarterly Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2021 ☐ Transition Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 000-19202 ChoiceOne Financial Ser

April 22, 2021 DEF 14A

- CHOICEONE DEFINITIVE PROXY STATEMENT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant?? Filed by a Party other than the Registrant?? Check the appropriate box: ? Preliminary Proxy Statement ? Confide

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