[Form 4] CHOICEONE FINANCIAL SERVICES INC Insider Trading Activity

ChoiceOne Financial Services director Steven Theodore Krause reported a set of stock gifts involving company common shares.

Rhea-AI Filing Summary

ChoiceOne Financial Services director Steven Theodore Krause reported a set of stock gifts involving company common shares. On February 9, 2026, he transferred 3,125 shares of ChoiceOne common stock at a stated price of $0 per share, a typical indicator of a gift transaction.

After this transfer, Krause directly held 29,739.0416 common shares. Additional indirect holdings are reported for four grandchildren, each account reflecting 6,116, 6,117, 1,285, and 4,124 shares of common stock, respectively, as well as 16,283.0669 shares held indirectly through a trust.

Insider Trade Summary

5,625 shares gifted

Gift 6 txns

Insider Krause Steven Theodore

Role Director

Type	Security	Shares	Price	Value
Gift	Common Stock	3,125	$0.00	$0.00
Gift	Common Stock	625	$0.00	$0.00
Gift	Common Stock	625	$0.00	$0.00
Gift	Common Stock	625	$0.00	$0.00
Gift	Common Stock	625	$0.00	$0.00
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 29,739.0416 shares (Direct); Common Stock — 4,124 shares (Indirect, By Grandchild); Common Stock — 16,283.0669 shares (Indirect, Trust)

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Accepted by SEC EDGAR 02/10/2026 - 05:28 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 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)
02/09/2026

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	02/09/2026		G		3,125	D	$0	29,739.0416	D
Common Stock	02/09/2026		G		625	A	$0	6,116	I	By Grandchild
Common Stock	02/09/2026		G		625	A	$0	6,117	I	By Grandchild
Common Stock	02/09/2026		G		625	A	$0	1,285	I	By Grandchild
Common Stock	02/09/2026		G		625	A	$0	4,124	I	By Grandchild
Common Stock								16,283.0669	I	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/ Christian D. Rhoades, by Power of Attorney	02/10/2026
	** 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.