[Form 4] CHOICEONE FINANCIAL SERVICES INC Insider Trading Activity

Rhea-AI Filing Summary

Steven Theodore Krause, a director of ChoiceOne Financial Services Inc. (COFS), reported an acquisition and other changes on 10/01/2025. He acquired 574 shares of Common Stock at a purchase price of $28.96. The filing shows beneficial ownership entries including 15,719.0669 shares held indirectly by a trust and an entry of 32,864.0416 shares shown as disposed (D) on the form. The explanatory footnotes state that 77.3261 shares and 48.8883 shares were acquired via reinvestment of cash dividends.

This Form 4 is administrative disclosure of insider activity: it lists the transaction type, price, and post-transaction ownership amounts and identifies indirect holdings by trust and grandchildren. The filing is signed by a power of attorney on behalf of the reporting person and reports the earliest transaction date as 10/01/2025.

Positive

• Acquisition of 574 shares at $28.96 on 10/01/2025
• Dividend reinvestments added 77.3261 and 48.8883 shares to reported holdings

Negative

• Disposition reported of 32,864.0416 shares (marked D on the form)
• Filing does not explain the reason or destination for the 32,864.0416 share disposal within this document

Insights

Governance/Insider Transactions Analyst

Insider disclosed a small open-market acquisition and multiple indirect holdings, plus dividend reinvestments.

The report documents a purchase of 574 shares at $28.96 on 10/01/2025; that transaction is explicit and reported as an acquisition (code A). The filing also records indirect trust holdings of 15,719.0669 shares and multiple small holdings attributed to grandchildren.

The footnotes state that 77.3261 and 48.8883 shares were added by dividend reinvestment, which explains small, routine increases in indirect holdings. The form also lists a 32,864.0416 share entry marked D (disposed), which is disclosed on the face of the form without further explanation in this filing.

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).

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)
10/01/2025

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	10/01/2025		A		574	A	$28.96	15,719.0669(1)	I	By Trust
Common Stock								32,864.0416(2)	D
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:

1. Column 5 reflects the acquisition of 77.3261 shares from the reinvestment of cash dividends.

2. Column 5 reflects the acquisition of 48.8883 shares from the reinvestment of cash dividends.

	/s/ Christian D. Rhoades, by Power of Attorney	10/03/2025
	** 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 insider transaction did COFS director Steven T. Krause report?

The Form 4 reports an acquisition of 574 common shares at $28.96 on 10/01/2025 (transaction code A).

How many shares does the filing list as held indirectly by a trust?

The filing shows 15,719.0669 shares listed as beneficially owned indirectly by a trust.

Did the filing show any share dispositions for COFS?

Yes. The form includes an entry of 32,864.0416 shares marked as D (disposed) on the face of the Form 4.

Were any shares added via dividend reinvestment?

Yes. Footnotes state that 77.3261 and 48.8883 shares were acquired through reinvestment of cash dividends.

Who signed the Form 4 for the reporting person?

The form is signed by Christian D. Rhoades, by Power of Attorney on behalf of the reporting person, dated 10/03/2025.