ChoiceOne grants director Steven Theodore Krause 514 shares

The reported shares were held indirectly through a Trust, and the transaction was classified as a grant or award acquisition.

Rhea-AI Filing Summary

ChoiceOne Financial Services Inc. (COFS) director Steven Theodore Krause reported a grant/award acquisition of 514 shares of common stock on October 1, 2026, with a reported per-share value of $32.31. The shares were held indirectly through a Trust, with 18,113 shares reported there after the transaction; the report also lists 29,888 shares held directly. No Rule 10b5-1 plan is reported.

Insider Trade Summary

Grant/Award: 514 shares

Grant/Award 6 txns

Insider Krause Steven Theodore

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock F1	514	$32.31	$17K
holding	Common Stock F2	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 18,113.1695 shares (Indirect, Trust); Common Stock — 29,888.2299 shares (Direct); Common Stock — 17,642 shares (Indirect, By Grandchild)

Footnotes (2)

1. F1. Column 5 reflects the acquisition of 71.2614 shares from the reinvestment of cash dividends.
2. F2. Column 5 reflects the acquisition of 44.8991 shares from the reinvestment of cash dividends.

Key Figures

Shares acquired: 514 shares Reported per-share value: $32.31 per share Indirect Trust holdings: 18,113 shares +1 more

4 metrics

Shares acquired 514 shares October 1, 2026 grant/award acquisition

Reported per-share value $32.31 per share October 1, 2026 acquisition

Indirect Trust holdings 18,113 shares Reported after the October 1, 2026 transaction

Direct holdings 29,888 shares Reported on October 1, 2026

Key Terms

Rule 10b5-1 plan, reinvestment of cash dividends, Column 5

3 terms

Rule 10b5-1 plan financial

"No Rule 10b5-1 plan is reported"

A Rule 10b5-1 plan is a prearranged, written schedule that lets corporate insiders buy or sell company stock at set times or amounts, even if they later learn material nonpublic information. Think of it like setting an automatic thermostat for trades: it creates a clear record that trades were planned in advance, reducing the risk of insider-trading accusations and helping investors trust that insider transactions are routine rather than based on secret information.

reinvestment of cash dividends financial

"acquisition of 71.2614 shares from the reinvestment of cash dividends"

Column 5 technical

"Column 5 reflects the acquisition of 71.2614 shares"

FAQ

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How many COFS shares did Steven Theodore Krause acquire?

Steven Theodore Krause reported acquiring 514 shares of COFS common stock on October 1, 2026. The transaction was classified as a grant or award acquisition, with a reported per-share value of $32.31; the shares were held indirectly through a Trust, and no Rule 10b5-1 plan is reported.

AI-generated analysis. How Rhea-AI works. Not financial advice.

Form 4 Insider Transactions: What Each Field Means →

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Available on EDGAR 10/02/2026 - 12:30 PM Accepted by SEC EDGAR 10/02/2026 - 12:30 PM Learn about SEC filing dates

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 MICHIGAN 49345

(City) (State) (Zip)

UNITED STATES

(Country)

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)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
10/01/2026

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

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

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

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	10/01/2026		A		514	A	$32.31	18,113.1695(1)	I	Trust
Common Stock								29,888.2299(2)	D
Common Stock								6,116	I	By Grandchild
Common Stock								6,117	I	By Grandchild
Common Stock								4,124	I	By Grandchild
Common Stock								1,285	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 71.2614 shares from the reinvestment of cash dividends.

2. Column 5 reflects the acquisition of 44.8991 shares from the reinvestment of cash dividends.

	/s/ Sarah A. Harper, by Power of Attorney	10/02/2026
	** 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.
* Form 4: SEC 1474 (03-26)