ChoiceOne director awarded 489 shares in trust

Krause Steven Theodore reported acquisition or exercise transactions in this Form 4 filing.

Rhea-AI Filing Summary

Krause Steven Theodore reported acquisition or exercise transactions in this Form 4 filing.

CHOICEONE FINANCIAL SERVICES INC director Steven Theodore Krause reported updated holdings and a stock grant of common stock. On July 1, 2026, an indirect trust account received 489 shares at $34.00 per share, bringing that trust’s holdings to 17,527.9081 shares. Krause also reported 29,843.3308 shares held directly and several indirect positions held by grandchildren of 1,285, 4,124, 6,117, and 6,116 shares. The Form 4 records a compensation-related grant, not an open-market purchase or sale.

Insider Trade Summary

Grant/Award: 489 shares

Grant/Award 6 txns

Insider Krause Steven Theodore

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	489	$34.00	$17K
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 17,527.9081 shares (Indirect, Trust); Common Stock — 29,843.3308 shares (Direct); Common Stock — 17,642 shares (Indirect, By Grandchild)

Key Figures

Stock grant shares: 489 shares Grant price: $34.00 per share Trust holdings after grant: 17,527.9081 shares +5 more

8 metrics

Stock grant shares 489 shares Grant/award of common stock to trust on July 1, 2026

Grant price $34.00 per share Price for 489-share grant to trust

Trust holdings after grant 17,527.9081 shares Indirect holdings in trust following 489-share grant

Direct holdings 29,843.3308 shares Common stock held directly by Steven Krause

Grandchild holding 1 1,285 shares Indirect ownership by grandchild

Grandchild holding 2 4,124 shares Indirect ownership by grandchild

Grandchild holding 3 6,117 shares Indirect ownership by grandchild

Grandchild holding 4 6,116 shares Indirect ownership by grandchild

Key Terms

Grant, award, or other acquisition, indirect ownership, direct ownership, Trust, +1 more

5 terms

Grant, award, or other acquisition financial

"transaction_code_description": "Grant, award, or other acquisition"

indirect ownership financial

""ownership_type": "indirect", "ownership_code": "I""

direct ownership financial

""ownership_type": "direct", "ownership_code": "D""

Trust financial

""nature_of_ownership": "Trust""

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.

Common Stock financial

""security_title": "Common Stock""

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.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did ChoiceOne (COFS) director Steven Krause report in this Form 4?

Director Steven Krause reported a stock grant and updated holdings. A trust associated with him received 489 ChoiceOne common shares, and the filing also lists his direct stake and several indirect positions held for grandchildren as of July 1, 2026.

How many ChoiceOne (COFS) shares were granted to Steven Krause’s trust and at what price?

A trust associated with Steven Krause received 489 ChoiceOne common shares at a reported price of $34.00 per share. This increased the trust’s indirect holdings to 17,527.9081 shares of common stock reported in the Form 4 filing on July 1, 2026.

What are Steven Krause’s direct ChoiceOne (COFS) share holdings after this filing?

After the reported transactions, Steven Krause holds 29,843.3308 ChoiceOne common shares directly. This direct position is separate from his indirect holdings through a trust and several accounts held for grandchildren, which are also detailed in the Form 4 filing.

How many ChoiceOne (COFS) shares are held indirectly for Steven Krause’s grandchildren?

The Form 4 lists four indirect positions held by grandchildren: 1,285 shares, 4,124 shares, 6,117 shares, and 6,116 shares of ChoiceOne common stock. These are reported as indirect holdings associated with Steven Krause, distinct from his direct and trust accounts.

Was this ChoiceOne (COFS) Form 4 an open-market buy or sell by Steven Krause?

The Form 4 shows a grant or award of 489 shares to a trust, not an open-market trade. The transaction code is “A”, indicating a grant, award, or other acquisition, and no open-market purchases or sales are reported in the summarized transaction data.

What is the total position reported for Steven Krause’s trust in ChoiceOne (COFS) shares?

Following the 489-share grant at $34.00, the trust associated with Steven Krause holds 17,527.9081 ChoiceOne common shares indirectly. This trust position is in addition to his direct holdings and separate indirect holdings reported for grandchildren in the same Form 4.

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

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Accepted by SEC EDGAR 07/06/2026 - 01:12 PM EDT 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)
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		489	A	$34	17,527.9081	I	Trust
Common Stock								29,843.3308	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:

	/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)