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,” “predicts,” “projects,” “may,” “could,” “look forward,” “continue”, “future”, and variations of such words and similar expressions are intended to identify such forward-looking statements. All statements with references to future time periods are forward-looking. These statements are not guarantees of future performance and involve certain risks, uncertainties and assumptions (“risk factors”) that are difficult to predict with regard to timing, extent, likelihood, and degree of occurrence. Therefore, actual results and outcomes may materially differ from what may be expressed, implied or forecasted in such forward-looking statements. Furthermore, ChoiceOne undertakes no obligation to update, amend, or clarify forward-looking statements, whether as a result of new information, future events, or otherwise. Additional risk factors include, but are not limited to, the risk factors described in Item 1A in ChoiceOne’s Annual Report on Form 10-K for the year ended December 31, 2023. In addition to results presented in accordance with GAAP, this presentation includes certain non-GAAP financial measures. ChoiceOne believes these non-GAAP financial measures provide additional information that is useful to investors in helping to understand underlying financial performance and condition and trends of ChoiceOne. Non-GAAP financial measures have inherent limitations. Readers should be aware of these limitations and should be cautious with respect to the use of such measures. To compensate for these limitations, we use non-GAAP measures as comparative tools, together with GAAP measures, to assist in the evaluation of our operating performance or financial condition. Also, we ensure that these measures are calculated using the appropriate GAAP or regulatory components in their entirety and that they are computed in a manner intended to facilitate consistent period-to-period comparisons. ChoiceOne’s method of calculating these non-GAAP measures may differ from methods used by other companies. These non-GAAP measures should not be considered in isolation or as a substitute for those financial measures prepared in accordance with GAAP or in-effect regulatory requirements. Where non-GAAP financial measures are used, the most directly comparable GAAP or regulatory financial measure, as well as the reconciliation to the most directly comparable GAAP or regulatory financial measure, can be found in this presentation.

Our vision is to be the best bank in Michigan. Our mission is to provide superior service, quality advice, and show utmost respect to everyone we meet.

Source: Numbers based on ChoiceOne internal data as of 6/30/2024 except where specifically identified Note: All dollars in millions Company Profile ChoiceOne Bank maintains the community feel of a small-town bank with the technological capabilities and product offerings of a larger bank ChoiceOne Financial Services, Inc. (“COFS”) was incorporated in 1986 as a Michigan corporation. ChoiceOne Bank was founded in 1898 (then called Sparta State Bank) in Sparta, MI at the corner of Division and Union Street. Over its more than 125-year history, COFS has grown significantly, due in part to its merger with County Bank Corp. ($673 million in assets) and acquisition of Community Shores Bank Corporation ($244 million in assets). Today, COFS is a $2.6 billion bank holding company listed on the NASDAQ stock exchange with a market capitalization of $217 million as of June 30, 2024. COFS prides itself on maintaining the community feel of a small-town bank with the technological capabilities and product offerings of a larger bank. Personal Banking Provides full array of banking services including checking, savings, CDs/money markets and HSAs, complete with online and mobile banking solutions. Business Banking Business banking offers business and agriculture loans, treasury services and public funds. Mortgage Lending A comprehensive offering of residential mortgage options including fixed and adjustable-rate mortgages. Wealth Management Wealth Management provides two delivery channels – The Private Bank and Retail Investment Services. The Wealth Management team is experienced, nimble and responsive to client needs. Areas of expertise include investing, lending, banking, and trust services. Coast to Coast Coverage Through 35 locations across western and southeastern Michigan, ChoiceOne Bank leverages advanced technology, innovative services, and tailored solutions for its customers. Summary Financials (6/30/2024) Total Assets $2,623 Deposits $2,127 Gross Loans (Incl. HFS) $1,443 Market Cap $217 Annualized ROAA 0.99% Annualized ROAE 12.50% Annualized Dividend Yield 3.8% P/E Ratio (TTM) 9.6x Map of locations Branch Location OVERVIEW

Awards & Accomplishments With an abundance of accolades & awards, ChoiceOne Bank has been recognized as a top-tier community bank in Michigan and in the banking industry. Award Nominee (West MI Hispanic Chamber of Commerce – 2018) “ChoiceOne has a special culture, one that is driven by innovation, yet with a mission to provide superior service, quality advice, and show utmost respect to everyone we meet.” – Kelly J. Potes National Top 20 Most Innovative Community Bank (Independent Banker – 2018) Financial Literacy Award(Michigan Bankers Association – 2024. 2023, 2022 & 2020) Editor’s Choice Award for Community Commitment (Cardrates.com – 2019) Best Small Business Solutions Nomination (Finovate Awards – 2019) Global Innovation Awards Nominee (BAI – 2018) Newsmaker Finalist of the Year (Grand Rapids Business Journal – 2019 & 2018) True North Community Partner Award (True North Community Services – 2019 & 2018) Silver Addy (AAF – 2019) Startup Innovation Finalist with Plinqit (Bank Director Best of FinXTech – 2019 & 2018) Mastercard Doing Well By Doing Good (Segment Award – 2022) ABA Foundation Community Commitment Awards (Economic Inclusion Honorable Mention – 2021) SBA Michigan 504 Third Party Lender of the Year Award(Fiscal Year 2023) Named Best Small Bank by Newsweek 3 Years in a row 2023 – 2022 – 2021 Partner of the Michigan Community Fund(Recognized for Supporting Affordable Housing – 2023)

Management Team Mr. Michael J. Burke Jr. has served as President at ChoiceOne since May 2020 and oversees lending and operations. Previously, he served as President, CEO, COO and Director at Lakestone Bank & Trust which was merged into ChoiceOne. Mr. Burke is highly involved in organizations in Southeast Michigan including the Lapeer Development Corporation and McLaren Lapeer Region Board of Trustees. Mr. Burke holds a Bachelor of Arts degree in Finance from the University of Michigan-Flint. Michael J. Burke, Jr. | President Mr. Adom Greenland is the Executive Vice President, Chief Financial Officer and Treasurer at ChoiceOne. Mr. Greenland joined ChoiceOne in 2013 with various roles including Chief Operating Officer overseeing technology and bank operations. Prior to joining ChoiceOne he worked as a Certified Public Accountant at PwC for over 10 years, which included an international rotation in London, England. He holds both a Bachelor's degree and Master's degree in Accounting from Michigan State University. Mr. Kelly J. Potes, CFP, joined ChoiceOne Bank in 1984 and has held various management positions including Assistant Controller, Bank Investment Portfolio Manager, Head of ALCO, Head of Bank Retail Services, and Head of Investment Services. In 1998, he left ChoiceOne Bank to become the President and Owner of Kent-Ottawa Investment Advisors, an investment advisory firm. In 2001, he returned to ChoiceOne Bank as Senior Vice President of Retail Services, and General Manager of ChoiceOne Insurance Agencies, Inc. before being named Chief Executive Officer in 2016. Adom J. Greenland | EVP & CFO Kelly J. Potes | CEO Mr. Bradley A. Henion is the Executive Vice President and Chief Lending Officer of ChoiceOne Bank. Mr. Henion joined ChoiceOne in 2015 having previously held Senior Vice President positions with GreenStone Farm Credit Services in East Lansing, MI, and Bank of America (formerly LaSalle Bank) in Grand Rapids, MI. Mr. Henion holds a Master of Business Administration in Finance from Baker College and has a Bachelor of Science in Accountancy from Ferris State University. Bradley A. Henion | EVP & CLO "With a vision to be the best bank in Michigan and a mission to provide superior service, quality advice, and show utmost respect to everyone we meet, our tech-savvy community bank is prepared to meet our customers’ financial needs, however they choose, and build solid personal relationships.” - Kelly J. Potes

Management Team (CONT.) Ms. Heather D. Brolick has been Chief Human Resources Officer of ChoiceOne Bank since October 2020 following its acquisition of Community Shores Bank Corporation. Ms. Brolick served as Director, President and Chief Executive Officer of Community Shores Bank Corporation and Community Shores Bank From 2006 until 2020. Ms. Brolick also currently serves as a Board member and Chairperson of the Board of Directors of Harbor Hospice and a Board member and Chairperson of the Board of Harbor Hospice Foundation, among others. Heather D. Brolick | EVP & CHRO Mr. Jamula has served as the Senior Vice President of Wealth Management since 2021. Mr. Jamula has over 28 years of banking experience, which includes sales leadership positions at TCF Bank, Chemical Bank and Fifth Third Bank covering Wealth Management and Private Banking. Mr. Jamula holds a Bachelor of Business Administration in Accounting from Grand Valley State University. Mr. Lee A. Braford has been a Senior Vice President and Chief Credit Officer of ChoiceOne Bank since January 2011. He has served in various roles with ChoiceOne for over 25 years leading the development of ChoiceOne’s credit culture. Mr. Braford is active in organizations in Sparta, MI including serving on board of the Sparta Community Foundation, previously as its Chairman. Rob Jamula | SVP WEALTH MANAGEMENT Lee A. Braford | SVP & CCO Ms. Shelly M. Childers has served as Senior Vice President and Chief Information Officer at ChoiceOne Bank since 2019. Prior to that Ms. Childers was the Senior Vice President and Chief Information Officer at Lakestone Bank and Trust. Ms. Childers has over 25 years of experience leading both the operational and digital sides of banking technology. Her background also includes experience in leading bank technology through acquisitions, mergers, and software conversions. Ms. Childers holds a Bachelor of Business Administration and Finance from the University of Michigan. Shelly M. Childers | SVP & CIO

Source: S&P Capital IQ Pro, as of 6/30/2023 Note: All dollars in thousands Other MI includes branches not located in an MSA, including those in the cities of Fremont, Grant and Newaygo Geographic Footprint GRAND RAPIDS-KENTWOOD, MI Locations 10 Deposits $755,651 Market Share 2.57% Market Rank 11 SOUTHEASTERN MI (DETROIT MSA) Locations 13 Deposits $824,609 Market Share 0.45% Market Rank 13 MUSKEGON, MI Locations 5 Deposits $350,225 Market Share 16.84% Market Rank 3 Other MI(1) Locations 3 Deposits $155,903 Market Share NA Market Rank NA Map of locations Scale in Legacy Markets BY MSA

Source: Numbers based on ChoiceOne internal data as of 6/30/2024 except where specifically identified Note: All dollars in millions, unless otherwise noted; deals sorted by announcement date Excludes $138.0 million and $33.1 million in PPP loans in 2020, 2021 respectively M&A History COFS has completed three whole bank M&A deals, most recently, the merger of equals with County Bank Corp. in 2019 and an acquisition of Community Shores Bank Corporation in 2020 Transaction Overview Deal Profile (Announcement) Target Operating Metrics (Quarter Before Announcement) Target Target City, State Announcement Date Deal Value Consideration Total Assets Gross Loans LTM ROAA Muskegon, MI 1/6/2020 $21.9 76.5% Stock / 23.5% Cash $185.1 $147.2 0.49% Lapeer, MI 3/25/2019 $89.0 100.0% Stock / 0.0% Cash $616.6 $363.9 1.13% Kent City, MI 4/25/2006 $29.0 99.9% Stock / 0.1% Cash $216.4 $150.7 0.99% COFS M&A History Organic and Acquisitive Asset Growth Organic Assets Acquired Assets

Financial Summary

Source: Numbers based on ChoiceOne internal data as of 6/30/2024 exc. where spec. identified; Note: All dollars in thousands Includes $138.0 million, $33.1 million and $0 million in PPP loans in 2020, 2021 and 2022, respectively (2) Core loans-exclude Paycheck Protection Program (“PPP”) loans, held for sale loans, and loans to other financial institutions. Loans held for sale were $8.9 million and $5.9 million in Q2 2023 and Q2 2024, respectively Loans to other financial institutions were $38.8 million and 36.6 million in Q2 2023 and Q2 2024, respectively Historic Balance Sheet Growth – COFS Outline of COFS’ notable balance sheet growth following two M&A transactions in 2019 and 2020, both including & excluding the impact of PPP loans Total Equity Total Deposits Gross Loans (Including Held For Sale) (1) Total Assets PPP 14.3% Core loan (2) growth for the trailing 12 months

Source: Numbers based on ChoiceOne internal data as of 6/30/2024 except where specifically identified Note: All dollars in thousands Saving accounts include MMDA’s Attractive Deposit Mix – ChoiceOne Bank Diverse local deposit franchise of retail, business, and municipal accounts Launched new treasury management platform in 2023 with best-in-class functionality At 6/30/2024 Non-interest-bearing deposit base of $517.1 million or 24% of deposits 35.5% of total deposits exceed the FDIC limit of $250,000, as of 6/30/2024 Diversified offerings such as Intrafi’s CDARS and ICS products that increase depositors’ FDIC coverage Ample borrowing capacity from the Federal Home Loan Bank, Federal Reserve, and other sources is available to fully cover uninsured deposits Deposit Mix and Detail (6/30/2024) Commentary Demand Deposit Mix (6/30/2024) (1) $1.7 Billion Balance % of Total Transaction $1,112,888 52.3% MMDAs & Savings 600,798 28.3% Retail CDs (≤ $250K) 213,921 10.0% Jumbo CDs (> $250K) 199,072 9.4% Total Deposits $2,126,679 100.0%

Source: Numbers based on ChoiceOne internal data as of 6/30/2024 except where specifically identified Note: All dollars in thousands; costs are annualized on a quarterly basis Attractive Deposit Mix – ChoiceOne Bank (cont.) Deposits, excluding brokered deposits, increased by $64.5 million or 3.2% during the twelve months since June 30, 2023. The increase in deposits is a combination of new business, and recapture of deposit losses from the prior year. Non-interest-bearing and transactional account balances drive lower cost of deposits Management team has demonstrated historical success of controlling deposit costs in previous interest rate cycle Deposit Mix and Detail (6/30/2024) Commentary Historic Cost of Interest-Bearing Deposits vs Fed Funds $2,185,848 $2,126,679 $2,086,388 25% 26% 26% 74% 75% 74% 23% 77% $2,133,195 76% 24% $2,122,055 28% Beta 35% Beta Last Cycle Q3 2015 – Q2 2019 Current Cycle to date

Source: Numbers based on ChoiceOne internal data as of 6/30/2024 except where specifically identified Note: All dollars in thousands; yields are annualized on a quarterly basis Detail by types per call report codes Attractive Loan Mix – ChoiceOne Bank Strong commercial real estate portfolio - 48% of CRE loans are owner occupied QTD Yield on loans of 6.16% $452 million of loans classified as variable or 31% of portfolio $300.3 million of loans with Principal Paydown (Payments & Maturities) one year or less or 20.8% of portfolio Weighted average duration of loan portfolio of 1.9 years Active residential real estate lending with sold (primarily service retained) and portfolio mortgages Loan Mix and Detail (6/30/2024) (1) Commentary Loan to Deposit Ratio Balance % of Total Construction & Development $93,678 6.5% 1-4 Family 376,488 26.1% Multifamily 57,893 4.0% C&I 216,899 15.0% Farm & Agricultural 42,579 2.9% Consumer, Leases & Other 40,463 2.8% CRE – Owner Occupied 296,818 20.6% CRE – Non-Owner Occupied 318,655 22.1% Total CRE $615,473 42.7% Gross Loans $1,443,473 100.0%

Source: Numbers based on ChoiceOne internal data as of 6/30/2024 except where specifically identified Securities portfolio breakdown is by book value and excludes equity securities Reported value of securities: Available for sale, at fair value and held to maturity, at amortized cost net of credit losses See Non-GAAP Reconciliation Investment Portfolio – COFS Securities Portfolio Breakdown (1) $884 Million (2) Security portfolio highlights Total Portfolio COFS’ total securities portfolio of $884 million consists of high-quality securities to be used for liquidity and cash flow $392.7 million of the portfolio is at held to maturity status. A large component of these securities are local issuance municipals or CRA 83% of securities are rated AA or higher Ample on balance sheet liquidity to fund future loan growth, including $129.4 million of cash flow from securities over the next two years Yield & Interest Rate Risk COFS’ securities income was $6.9 million, with a yield of 2.81% for the three months ended June 30, 2024 COFS’ tax equivalent securities income was $7.3 million, with a yield of 2.96%(3) for the three months ended June 30, 2024 ChoiceOne has pay-fixed interest rate swaps with a total notional value of $401.0 million. These derivative instruments will increase in value as long-term interest rates rise, which helps offset the reduction in equity due to unrealized losses on securities available for sale Modified Duration of the portfolio is 5.13 years; however, the impact of the hedging strategy (including all $401 million of notional pay-fix swaps) reduces the modified duration to 2.41 years. Weighted average life of the portfolio was 6 years 80% of the portfolio is bullet-like in structure

Source: Numbers based on ChoiceOne internal data as of 6/30/2024 except where specifically identified Note: All dollars in thousands Derivatives income impact assumes a SOFR rate of 5.33% in perpetuity For each 25-basis point increase or decrease in SOFR rate from 5.33% projected quarterly net interest income will increase or decrease, respectively by approximately $250,000 Interest Rate SWAPS ChoiceOne uses interest rate swaps as part of our interest rate risk management strategy. ChoiceOne has pay-fixed interest rate swaps with a total notional value of $401.0 million with a weighted average coupon of approximately 3.07%. These derivative instruments will increase in value as long-term interest rates rise, which helps offset the reduction in equity due to unrealized losses on securities available for sale INCOME IMPACT (1) Swaps Notional Value Coupon Item Hedged Contract End Fair Value at 6/30/24 1 Current Paying 200,950 3.40% Fixed rate securities 2031-2032 7,661 2 Forward Starting 200,000 2.75% Variable Deposits 2032 15,969 Total 23,629

Source: Numbers based on ChoiceOne internal data as of 6/30/2024 except where specifically identified Net interest margin (tax-equivalent basis). See Non-GAAP reconciliation Annualized quarter data Financial Performance METRICS – COFS Efficiency Ratio & Noninterest Expense to Average Assets (2) NIM (1) (2) ROAE (2) ROAA (2)

Source: Numbers based on ChoiceOne internal data as of 6/30/2024 except where specifically identified Note: Non-interest Income amounts exclude gain (losses) on sale of securities and changes in value of equity securities Non-interest Income – COFS Diversified sources of non-interest income with multiple lines of business including Wealth Management 2022 2023 Six Months Ended 6/30/2024 $15.8 Million $15.2 Million 13% 10% 61% 12% 6% 62% $8.2 Million 10% 7% 9% 8% 8% 10% 59% 15% 10%

Source: Numbers based on ChoiceOne internal data as of 6/30/2024 except where specifically identified Excluding held for sale loans Annualized quarter data Asset Quality – COFS Historically strong credit metrics Net Charge-Offs / Average Loans (2) NPLs / Loans (1) Texas Ratio NPAs / Total Assets 1.12% Allowance for Credit Losses to Total Loans(1)

Source: Numbers based on ChoiceOne internal data as of 6/30/2024 except where specifically identified See Non-GAAP Reconciliation Capital Regulatory Ratios Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 ChoiceOne Financial Services, Inc. Total capital (to risk weighted assets) 13.8% 13.7% 13.8% 13.5% 13.2% 13.2% 13.0% 13.3% 13.5% Common equity Tier 1 capital (to risk weighted assets) 11.0% 10.9% 11.1% 10.7% 10.5% 10.4% 10.3% 10.5% 10.7% Tier 1 capital (to risk weighted assets) 11.3% 11.2% 11.4% 11.0% 10.8% 10.7% 10.5% 10.7% 10.9% Tier 1 capital (to average assets) 7.5% 7.6% 7.9% 7.7% 7.7% 7.4% 7.5% 7.6% 7.7% Book value per share $ 22.19 $ 20.86 $ 22.47 $ 22.43 $ 23.79 $ 24.02 $ 25.92 $ 27.36 $ 28.32 Tangible book value per share (1) $ 13.75 $ 12.47 $ 14.12 $ 14.12 $ 15.53 $ 15.80 $ 17.73 $ 19.21 $ 20.22 Tangible book value per share excluding AOCI (1) $ 22.42 $ 22.99 $ 23.67 $ 23.14 $ 23.61 $ 24.08 $ 24.56 $ 25.08 $ 25.67 ChoiceOne Bank Total capital (to risk weighted assets) 12.7% 12.8% 13.0% 13.0% 12.7% 12.7% 12.4% 12.6% 13.2% Common equity Tier 1 capital (to risk weighted assets) 12.2% 12.3% 12.5% 12.5% 12.2% 12.0% 11.8% 11.8% 12.5% Tier 1 capital (to risk weighted assets) 12.2% 12.3% 12.5% 12.5% 12.2% 12.0% 11.8% 11.8% 12.5% Tier 1 capital (to average assets) 8.1% 8.3% 8.7% 8.7% 8.7% 8.3% 8.4% 8.3% 8.8%

COFS TRADES ON THE NASDAQ® ChoiceOne trades on the Nasdaq Stock Exchange under its symbol, “COFS” Market Makers in ChoiceOne Stock D. A. Davidson & Co. Nick Bicking 800.394.9230 Eugene Bodo Managing Director, Institutional Equity Sales Janney Montgomery Scott, LLC O 215 665-6566, M 610 766-0015 Raymond James & Associates Anthony LanFranca 312.655.2961 Stock Registrar & Transfer Agent Continental Stock Transfer & Trust Company 1 State Street Plaza, 30th Floor New York, NY 10004-1561212.509.4000

Source: Numbers based on ChoiceOne internal data as of 6/30/2024 except where specifically identified See Non-GAAP Reconciliation Other Selected highlights – COFS Quarterly Performance Ratios 2022 2ndQtr. 2022 3rdQtr. 2022 4thQtr. 2023 1stQtr. 2023 2ndQtr. 2023 3rdQtr. 2023 4thQtr. 2024 1stQtr. 2024 2ndQtr. Annualized return on average assets 0.95% 0.97% 1.13% 0.94% 0.86% 0.80% 0.82% 0.86% 0.99% Annualized return on average equity 12.68% 14.11% 16.68% 13.42% 12.13% 11.31% 11.32% 11.26% 12.50% Annualized return on average tangible common equity (1) 18.87% 21.96% 26.63% 20.64% 18.31% 16.55% 16.40% 15.81% 17.22% Net interest margin (fully tax-equivalent) (1) 3.02% 3.15% 3.15% 3.09% 2.86% 2.70% 2.72% 2.74% 3.01% Efficiency ratio 61.43% 61.06% 60.15% 65.40% 65.92% 65.74% 65.31% 64.55% 61.47% Annualized cost of funds 0.25% 0.35% 0.59% 0.79% 1.29% 1.70% 1.91% 2.00% 1.92% Annualized cost of deposits 0.19% 0.29% 0.47% 0.62% 0.98% 1.36% 1.57% 1.65% 1.56% Cost of interest bearing liabilities 0.34% 0.48% 0.82% 1.08% 1.69% 2.20% 2.45% 2.53% 2.44% Shareholders' equity to total assets 7.05% 6.63% 7.08% 7.00% 7.22% 7.04% 7.59% 7.74% 8.18% Tangible common equity to tangible assets (1) 4.49% 4.07% 4.57% 4.52% 4.83% 4.74% 5.32% 5.56% 5.98% Annualized noninterest expense to average assets 2.23% 2.25% 2.23% 2.34% 2.24% 2.14% 2.13% 2.09% 2.16% Loan to deposit 52.81% 52.92% 56.40% 57.66% 61.02% 61.65% 66.70% 65.17% 67.87% Full-time equivalent employees 380 383 376 376 380 376 369 367 367 Asset Quality 2022 2ndQtr. 2022 3rdQtr. 2022 4thQtr. 2023 1stQtr. 2023 2ndQtr. 2023 3rdQtr. 2023 4thQtr. 2024 1stQtr. 2024 2ndQtr. (in thousands) Net loan charge-offs (recoveries) $ 185 $ 59 $ (12) $ 28 $ 67 $ 148 $ 120 $ 51 $ 157 Annualized net loan charge-offs (recoveries) to average loans 0.07% 0.02% 0.00% 0.01% 0.02% 0.05% 0.04% 0.01% 0.04% Allowance for loan losses 7,416 7,457 7,619 15,065 14,582 14,872 15,685 16,037 16,152 Unfunded commitment liability - - - 2,991 3,156 2,718 2,160 1,757 1,485 Allowance to loans (excludes held for sale) 0.66% 0.66% 0.64% 1.24% 1.15% 1.14% 1.11% 1.13% 1.12% Non-Accruing loans 1,242 1,197 1,263 1,596 1,581 1,670 1,723 1,715 2,086 Nonperforming loans (includes OREO) 2,714 2,628 2,666 1,726 1,847 1,792 1,845 1,837 2,358 Nonperforming loans to total loans (excludes held for sale) 0.24% 0.23% 0.22% 0.14% 0.15% 0.14% 0.13% 0.13% 0.16% Nonperforming assets to total assets 0.11% 0.11% 0.11% 0.07% 0.07% 0.07% 0.07% 0.07% 0.09%

Source: Numbers based on ChoiceOne internal data as of 6/30/2024 except where specifically identified Appendix non-GAAP reconciliation (1) Adjusted to a fully tax-equivalent basis to facilitate comparison to the taxable interest-earning assets. The adjustment uses an incremental tax rate of 21%. The presentation of these measures on a tax-equivalent basis is not in accordance with GAAP but is customary in the banking industry. These non-GAAP measures ensure comparability with respect to both taxable and tax-exempt loans and securities. Year ended December 31, 2020 2021 2022 2023 Interest Rate Interest Rate Interest Rate Interest Rate Net interest income (tax-equivalent basis) (Non-GAAP) (1) $ 51,808 $ 62,137 $ 68,979 $ 67,415 Net interest margin (tax-equivalent basis) (Non-GAAP) (1) 3.51 % 3.14 % 3.09 % 2.83 % Reconciliation to Reported Net Interest Income Net interest income (tax-equivalent basis) (Non-GAAP) (1) 51,808 62,137 68,979 67,415 Adjustment for taxable equivalent interest (737) (1,513) (1,665) (1,530) Net interest income (GAAP) $ 51,071 $ 60,624 $ 67,314 $ 65,885 Net interest margin (GAAP) 3.38 % 3.08 % 3.01 % 2.77 %

Source: Numbers based on ChoiceOne internal data as of 6/30/2024 except where specifically identified Appendix non-GAAP reconciliation (1) Adjusted to a fully tax-equivalent basis to facilitate comparison to the taxable interest-earning assets. The adjustment uses an incremental tax rate of 21%. The presentation of these measures on a tax-equivalent basis is not in accordance with GAAP but is customary in the banking industry. These non-GAAP measures ensure comparability with respect to both taxable and tax-exempt loans and securities.

Source: Numbers based on ChoiceOne internal data as of 6/30/2024 except where specifically identified Appendix non-GAAP reconciliation

Source: Numbers based on ChoiceOne internal data as of 6/30/2024 except where specifically identified Appendix QUARTERLY Average Balances and Tax-Equivalent Interest Rates Adjusted to a fully tax-equivalent basis to facilitate comparison to the taxable interest-earning assets. The adjustment uses an incremental tax rate of 21%. The presentation of these measures on a tax equivalent basis is not in accordance with GAAP but is customary in the banking industry. These non-GAAP measures ensure comparability with respect to both taxable and tax-exempt loans and securities. Taxable securities include dividend income from Federal Home Loan Bank and Federal Reserve Bank stock. Loans include both loans to other financial institutions and loans held for sale. Non-accruing loan and PPP loan balances are included in the balances of average loans. Interest on loans included net origination fees, accretion income, and PPP fees.

Source: Numbers based on ChoiceOne internal data as of 6/30/2024 except where specifically identified Note: Excludes loans held for sale Appendix loans by loan category (Dollars in thousands) Loans: Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Agricultural $59,063 $63,347 $64,159 $55,995 $40,684 $43,290 $49,210 $41,950 $45,274 Commercial and Industrial 208,857 208,590 210,210 217,063 224,191 222,357 229,915 231,222 224,031 Consumer 38,376 38,356 39,808 38,891 38,614 37,605 36,541 34,268 32,811 Commercial Real Estate 565,163 593,195 630,953 648,202 657,549 709,960 786,921 794,705 804,213 Construction Real Estate 17,950 14,299 14,736 13,939 16,734 16,477 20,936 17,890 18,751 Residential Real Estate 191,980 214,614 229,916 236,493 247,618 256,348 267,730 268,523 275,878 Loans to Other Financial Institutions 37,422 70 - - 38,838 23,763 19,400 30,032 36,569 Gross Loans 1,118,811 1,132,471 1,189,782 1,210,583 1,264,228 1,309,800 1,410,653 1,418,590 1,437,527 Less allowance for credit losses on loans 7,416 7,457 7,619 15,065 14,582 14,872 15,685 16,037 16,152 Loans, Net 1,111,395 1,125,014 1,182,163 1,195,518 1,249,646 1,294,928 1,394,968 1,402,553 1,421,375