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

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 orOR 15(d) of ~~theSecurities~~the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): February ~~January 30~~4, 2026

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

Michigan(State or Other Jurisdictionof Incorporation) 001-39209(CommissionFile Number) 38-2659066(IRS EmployerIdentification No.)

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

109 East Division StreetSparta, Michigan(Address of Principal Executive Offices) 49345(Zip Code)

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

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

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

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

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

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

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

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

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

Emerging growth company ☐o

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

Item 27.0201 ~~Results~~Regulation ofFD ~~Operations and Financial Condition.~~Disclosure

~~On January 30, 2026,~~ ChoiceOne Financial Services, Inc. ("ChoiceOne") ~~issued~~is ~~the~~furnishing ~~press release attached~~ as Exhibit 99.1 to this Form 8-K, ~~which~~presentation ismaterials ~~here~~that ~~incorporated~~are to be used by ~~reference~~ChoiceOne management in meetings with investors beginning February 4, 2026. ~~This~~The ~~Report~~information in Item 7.01 and ~~the~~Item 9.01 of this report, including Exhibit ~~are~~99.1, is furnished to, and not filed with, the Commission.

Item 9.01 Financial Statements and Exhibits.

Item 9.01	Financial Statements and Exhibits

Exhibit No.	Exhibit

99.1	ChoiceOne Financial Services, Inc. Investor Presentation. This Exhibit is furnished to, and not filed with, the Commission.

(d)	Exhibits:
	99.1	Press Release dated January 30, 2026. This Exhibit is furnished to, and not filed with, the Commission.
104	104	Cover Page Interactive Data File (embedded within the Inline XBRL document)

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SIGNATURES

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

Dated:	~~January~~February 304, 2026	CHOICEONE FINANCIAL SERVICES, INC. (Registrant)
		By:	/s/ Adom J. Greenland
			Adom J. GreenlandIts Chief Financial Officer and Treasurer
			Adom J. Greenland Its Chief Financial Officer and Treasurer

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