[Form 4] CHOICEONE FINANCIAL Insider Trading Activity

Rhea-AI Filing Summary

Steven Theodore Krause, a director of CHOICEONE FINANCIAL SERVICES INC (COFS), reported a Form 4 transaction dated 08/13/2025 affecting common stock. The filing shows a transaction coded "G" for 660 shares at a price of $30.38, and lists 32,815.1533 shares held directly.

The Form also discloses indirect holdings by allocation: 15,067.7408 shares held by a trust and four allocations to grandchildren of 5,491, 5,492, 3,499, and 660 shares. The filing was signed by a power of attorney on 08/14/2025.

Positive

• Timely, specific disclosure of director transaction date, share amounts, and price provides transparency to investors
• Detailed breakdown of direct and indirect holdings (trust and grandchildren allocations) clarifies beneficial ownership

Negative

• None.

Insights

Financial Analyst

TL;DR: Director reported a 660-share transaction; direct holdings remain 32,815.1533 shares; impact appears immaterial.

The Form 4 records a single non-derivative transaction dated 08/13/2025 with transaction code "G" for 660 common shares at $30.38. The report shows the reporting person retains 32,815.1533 shares directly, with additional indirect positions disclosed separately. For investors, the disclosed trade size is small relative to the direct holding, and the filing provides clear, itemized ownership breakdowns.

Corporate Governance Expert

TL;DR: Filing shows director disclosure with power-of-attorney signature; no governance red flags identified from this Form 4.

The submission identifies Steven Theodore Krause as a director and indicates the Form was signed by Malaina W. Snyder as power of attorney on 08/14/2025. The document lists direct and indirect beneficial ownership categories (including a trust and grandchildren allocations), which demonstrates disclosure of family and trust holdings. The filing contains no statements of amendment or corrective language.

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
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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)
08/13/2025

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	08/13/2025		G		660	D	$30.38	32,815.1533	D
Common Stock								15,067.7408	I	By Trust
Common Stock								5,491	I	By Grandchild
Common Stock								5,492	I	By Grandchild
Common Stock								3,499	I	By Grandchild
Common Stock								660	I	By Grandchild

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, Power of Attorney	08/14/2025
	** 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

What transaction did Steven Krause report on Form 4 for COFS?

He reported a transaction dated 08/13/2025 coded "G" involving 660 common shares at a price of $30.38.

How many shares does Steven Krause beneficially own directly according to the filing?

The filing lists 32,815.1533 shares as beneficially owned directly following the reported transaction.

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

Indirect holdings disclosed include 15,067.7408 shares by trust and allocations to grandchildren of 5,491, 5,492, 3,499, and 660 shares.

Who signed the Form 4 and when was it signed?

The Form 4 was signed by Malaina W. Snyder, Power of Attorney on 08/14/2025.

What is the reporting person's relationship to COFS?

The form identifies the reporting person, Steven Theodore Krause, as a Director of CHOICEONE FINANCIAL SERVICES INC.