[Form 4] CHOICEONE FINANCIAL SERVICES INC Insider Trading Activity

Rhea-AI Filing Summary

Keith D. Brophy, a director of ChoiceOne Financial Services Inc. (COFS), reported a non-derivative acquisition on 10/01/2025. The Form 4 shows 406 shares of common stock were acquired at a price of $28.96 per share through dividend reinvestment, increasing his reported beneficial ownership to 12,012.1989 shares, held indirectly in a trust. The filing was signed by power of attorney on 10/03/2025. The report discloses the transaction type (code V) and explains that 109.3254 shares were received from reinvested cash dividends. No derivative transactions or other disposals are reported.

Positive

• Director acquired 406 shares via dividend reinvestment on 10/01/2025
• Beneficial ownership increased to 12,012.1989 shares, reported as indirect (trust)

Negative

• None.

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

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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^*

Brophy Keith D.

(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		406	A	$28.96	12,012.1989(1)	I	Trust
Common Stock								8,556	D

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 109.3254 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.
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FAQ

What did the Form 4 filed for COFS disclose about insider activity?

The Form 4 discloses that Keith D. Brophy, a director, acquired 406 shares of COFS common stock on 10/01/2025 at $28.96 per share via dividend reinvestment.

How many shares does Keith D. Brophy beneficially own after the transaction?

The filing reports beneficial ownership of 12,012.1989 shares, held indirectly in a trust after the transaction.

What was the source of the shares acquired on the Form 4?

The 406 shares were acquired through the reinvestment of cash dividends; the filing notes 109.3254 shares resulted from dividend reinvestment.

When was the Form 4 signed and by whom?

The Form 4 was signed by Christian D. Rhoades, by Power of Attorney on 10/03/2025.

Was the transaction coded or described in the Form 4?

Yes; the transaction is listed with transaction code V, indicating acquisition via dividend reinvestment or similar corporate action as disclosed.