ChoiceOne (COFS) director gets 202-share award held through trust

Rhea-AI Filing Summary

ChoiceOne Financial Services director Bruce John Essex Jr reported an award of 202 shares of Common Stock. The shares were acquired on July 1, 2026 at $34.00 per share and are held indirectly through a trust. Following this grant, the trust’s holdings total 250,503 shares.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Essex Bruce John Jr

Role null

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	202	$34.00	$7K

Holdings After Transaction: Common Stock — 250,503 shares (Indirect, Trust)

Footnotes (1)

Key Figures

Shares awarded: 202 shares Award price: $34.00 per share Total shares after transaction: 250,503 shares

3 metrics

Shares awarded 202 shares Common Stock grant on July 1, 2026

Award price $34.00 per share Grant price for 202 awarded shares

Total shares after transaction 250,503 shares Indirect trust holdings following award

Key Terms

Common Stock, Grant, award, or other acquisition, indirect ownership, Trust

4 terms

Common Stock financial

"The shares were acquired on July 1, 2026 at $34.00 per share and are held indirectly through a trust."

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

Grant, award, or other acquisition financial

"Transaction code “A” in the COFS Form 4 indicates a grant, award, or other acquisition of shares."

indirect ownership financial

"The 202 newly awarded COFS shares are reported as indirect ownership through a trust."

Trust financial

"The Form 4 indicates the nature of ownership as “Trust,” meaning the shares are not held directly."

A trust is a legal setup in which one party (the trustee) holds and manages assets—like cash, stocks or property—on behalf of other people (beneficiaries) according to instructions from the person who created it (the grantor). Think of it as a locked box with a keyholder who must follow written rules; for investors it matters because trusts influence who controls and benefits from assets, affect taxes and succession, and can change how quickly or transparently shares are bought, sold or voted.

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Form 4 Insider Transactions: What Each Field Means →

Available on EDGAR 07/06/2026 - 01:11 PM Accepted by SEC EDGAR 07/06/2026 - 01:10 PM Learn about SEC filing dates

FAQ

What insider transaction did ChoiceOne Financial Services (COFS) report?

ChoiceOne Financial Services reported that director Bruce John Essex Jr received 202 Common Stock shares as an award. The shares were granted at $34.00 each and are held indirectly through a trust associated with him.

Was the COFS insider transaction a market purchase or a share award?

The COFS transaction was a share award, not a market purchase. Director Bruce John Essex Jr acquired 202 shares coded as a grant or other acquisition, indicating a compensation-related award rather than an open-market buy.

How many ChoiceOne (COFS) shares does the trust hold after this transaction?

After the transaction, the trust associated with director Bruce John Essex Jr holds 250,503 COFS Common Stock shares. This total reflects the newly awarded 202 shares added to the trust’s prior indirect holdings.

How is ownership of the new COFS shares structured in this Form 4 filing?

The 202 newly awarded COFS shares are reported as indirect ownership through a trust. The Form 4 indicates the nature of ownership as “Trust,” meaning the shares are not held directly in the director’s personal name.

What does transaction code “A” mean in the COFS Form 4 filing?

Transaction code “A” in the COFS Form 4 indicates a grant, award, or other acquisition of shares. In this case, it shows that 202 Common Stock shares were awarded to a trust linked to director Bruce John Essex Jr.

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^*

Essex Bruce John Jr

(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)
07/01/2026

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	07/01/2026		A		202	A	$34	250,503	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	07/06/2026
	** 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)