ChoiceOne director awarded 418 common shares

CHOICEONE FINANCIAL SERVICES INC director Keith D. Brophy reported a compensation-related share award.

Rhea-AI Filing Summary

CHOICEONE FINANCIAL SERVICES INC director Keith D. Brophy reported a compensation-related share award. On April 1, 2026, a trust associated with him acquired 418 shares of Common Stock as a grant or award at $28.12 per share, reported as indirect ownership. Following this, his indirect holdings through the trust were 13,098.9087 shares, while a separate line shows 8,556 shares held directly. A footnote notes the acquisition of 245.7098 shares from the reinvestment of cash dividends, indicating part of the position grew via dividend reinvestment rather than market purchases.

Insider Trade Summary

Grant/Award: 418 shares

Grant/Award 2 txns

Insider Brophy Keith D.

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	418	$28.12	$12K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 13,098.9087 shares (Indirect, Trust); Common Stock — 8,556 shares (Direct)

Footnotes (1)

1. F1. Column 5 reflects the acquisition of 245.7098 shares from the reinvestment of cash dividends.

Key Figures

Awarded shares: 418 shares Award price: $28.12 per share Indirect holdings after award: 13,098.9087 shares +2 more

5 metrics

Awarded shares 418 shares Grant/award acquisition on April 1, 2026

Award price $28.12 per share Value used for 418-share grant entry

Indirect holdings after award 13,098.9087 shares Trust-held COFS common stock after transaction

Direct holdings 8,556 shares Directly held COFS common stock as reported

Dividend reinvestment shares 245.7098 shares Acquired via reinvestment of cash dividends per footnote

Key Terms

grant/award acquisition, indirect ownership, Trust, reinvestment of cash dividends

4 terms

grant/award acquisition financial

"transaction_action": "grant/award acquisition""

indirect ownership financial

""ownership_type": "indirect""

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.

reinvestment of cash dividends financial

"acquisition of 245.7098 shares from the reinvestment of cash dividends"

FAQ

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

What insider transaction did COFS director Keith D. Brophy report?

Director Keith D. Brophy reported a grant-related acquisition of 418 COFS common shares on April 1, 2026 at $28.12 per share. The shares are held indirectly through a trust and represent a compensation-style award rather than an open-market purchase.

How many ChoiceOne (COFS) shares does Keith D. Brophy now hold?

After the reported transactions, Keith D. Brophy is shown with 13,098.9087 COFS common shares held indirectly through a trust and 8,556 shares held directly. These figures reflect his reported ownership immediately following the April 1, 2026 award entry.

Was the COFS Form 4 transaction an open-market buy or a grant?

The COFS Form 4 shows a grant or award acquisition of 418 common shares at $28.12 per share, coded as a compensation-related award. It is not reported as an open-market purchase and is held indirectly through a trust associated with the director.

What does the dividend reinvestment footnote mean in the COFS filing?

A footnote explains that 245.7098 COFS shares were acquired through reinvestment of cash dividends. This indicates a portion of the director’s reported holdings increased automatically via a dividend reinvestment mechanism rather than through separate market purchases or sales.

How significant is the 418-share COFS award compared to Brophy’s holdings?

The 418-share award is small relative to Brophy’s reported total positions of 13,098.9087 indirect and 8,556 direct COFS shares. This scale suggests the transaction is a routine compensation-related update rather than a large change in his overall ownership stake.

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

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Accepted by SEC EDGAR 04/03/2026 - 12:11 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^*

Brophy Keith D.

(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)
04/01/2026

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	04/01/2026		A		418	A	$28.12	13,098.9087(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 245.7098 shares from the reinvestment of cash dividends.

	/s/ Christian D. Rhoades, by Power of Attorney	04/02/2026
	** 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)