[Form 4] CHOICEONE FINANCIAL Insider Trading Activity

Rhea-AI Filing Summary

ChoiceOne Financial Services director Steven Theodore Krause filed a Form 4 reporting stock transactions dated 08/12/2025. The filing lists a disposition of 3,300 common shares and multiple entries of 660-share transfers described as indirect (by grandchild). The record also shows an indirect trust position of 15,067.7408 shares. Reported transaction code is "G" and a price of $28.96 appears on the reported lines. The form is signed on 08/13/2025.

Positive

• Director-level disclosure filed for CHOICEONE (COFS) with transaction dates clearly shown
• Specific share amounts reported (3,300 disposition; multiple 660-share transfers; trust holds 15,067.7408 shares)
• Form bears a signature ("/s/ Malaina W. Snyder") dated 08/13/2025

Negative

• Form shows a disposition of 3,300 shares, reducing direct holdings reported on the form
• Transaction code "G" is used but the form provides no explanatory text in the "Explanation of Responses" section
• Document formatting is fragmented, making some fields (ownership-after amounts) difficult to interpret clearly

Insights

Securities Analyst

TL;DR: Form 4 updates direct and indirect holdings after 08/12/2025 transactions, including a 3,300-share disposition and transfers to family members.

The filing by director Steven T. Krause records a 3,300-share disposition and several 660-share transfers indicated as indirect ("by grandchild"). The document also reports an indirect trust holding of 15,067.7408 shares. Transaction lines show code "G" and list a price of $28.96. These entries update beneficial ownership details but do not include narrative explanation in the "Explanation of Responses" section.

Corporate Governance Expert

TL;DR: Insider disclosure updates family transfers and trust holdings; no officer status change or additional context is provided on the form.

The filer is identified as a Director. The Form 4 documents intra-family transfers (multiple 660-share entries labeled "by grandchild") and a separate trust-held position of 15,067.7408 shares. The signature block shows the form was signed on 08/13/2025. The form does not provide an explanatory note for the reported transactions.

SEC Form 4

FORM 4

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

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Krause Steven Theodore

(Last) (First) (Middle)

109 EAST DIVISION STREET

(Street)

SPARTA MI 49345

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
CHOICEONE FINANCIAL SERVICES INC [ COFS ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
08/12/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	08/12/2025		G		3,300	D	$28.96	33,475.1533	D
Common Stock	08/12/2025		G		660	A	$28.96	5,491	I	By Grandchild
Common Stock	08/12/2025		G		660	A	$28.96	5,492	I	By Grandchild
Common Stock	08/12/2025		G		660	A	$28.96	3,499	I	By Grandchild
Common Stock	08/12/2025		G		660	A	$28.96	660	I	By Grandchild
Common Stock								15,067.7408	I	By Trust

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	/s/ Malaina W. Snyder	08/13/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

Who filed the Form 4 for CHOICEONE Financial (COFS)?

The reporting person is Steven Theodore Krause, identified as a Director.

What transactions are reported on the COFS Form 4 dated 08/12/2025?

The filing lists a disposition of 3,300 common shares and multiple 660-share transfers described as indirect ("by grandchild").

What indirect holdings are shown on the Form 4 for COFS?

The form reports an indirect trust position of 15,067.7408 shares and several indirect holdings noted "by grandchild."

What transaction code and price appear on the COFS Form 4?

Transaction lines show code "G" and display a price of $28.96 on the reported lines.

When was the Form 4 signed?

The signature block shows the form was signed on 08/13/2025 by Malaina W. Snyder.