ChoiceOne director receives stock grant

CHOICEONE FINANCIAL SERVICES INC director Curt E. Coulter received a grant of 245 shares of common stock at $28.12 per share.

Rhea-AI Filing Summary

CHOICEONE FINANCIAL SERVICES INC director Curt E. Coulter received a grant of 245 shares of common stock at $28.12 per share. This is a compensation-related award rather than an open-market purchase.

Following the grant, he holds 10,857.9111 shares directly and 1,499.2145 shares indirectly through an IRA. Footnotes indicate that a portion of these holdings reflects additional shares acquired through the reinvestment of cash dividends.

Insider Trade Summary

Grant/Award: 245 shares

Grant/Award 2 txns

Insider Coulter Curt E

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	245	$28.12	$7K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 10,857.9111 shares (Direct); Common Stock — 1,499.2145 shares (Indirect, IRA)

Footnotes (2)

1. F1. Column 5 reflects the acquisition of 206.9196 shares from the reinvestment of cash dividends.
2. F2. Column 5 reflects the acquisition of 56.3384 shares from the reinvestment of cash dividends.

Key Figures

Shares granted: 245 shares Grant price: $28.12 per share Direct holdings after grant: 10,857.9111 shares +3 more

6 metrics

Shares granted 245 shares Common stock grant to director on 2026-04-01

Grant price $28.12 per share Reported value for common stock grant

Direct holdings after grant 10,857.9111 shares Direct ownership of Curt E. Coulter after transaction

Indirect IRA holdings 1,499.2145 shares Indirect ownership through IRA after reported update

Dividend reinvestment addition 1 206.9196 shares Acquired via reinvestment of cash dividends per footnote F1

Dividend reinvestment addition 2 56.3384 shares Acquired via reinvestment of cash dividends per footnote F2

Key Terms

Grant, award, or other acquisition, IRA, reinvestment of cash dividends

3 terms

Grant, award, or other acquisition financial

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

IRA financial

"direct_or_indirect": "I", "nature_of_ownership": "IRA""

An individual retirement account (IRA) is a savings account designed to help people put aside money for their retirement, often with tax advantages that encourage long-term savings. It matters to investors because it can grow over time, providing financial security later in life, and offers benefits that can reduce current taxes or allow investments to compound more effectively.

reinvestment of cash dividends financial

"reflects the acquisition of 206.9196 shares from the reinvestment of cash dividends"

FAQ

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

What insider transaction did Curt E. Coulter report for COFS?

Curt E. Coulter reported receiving 245 shares of ChoiceOne Financial Services common stock as a grant at $28.12 per share. This is a compensation-related acquisition rather than an open-market purchase, reflecting additional equity awarded to him as a director.

How many COFS shares does Curt E. Coulter hold after this grant?

After the grant, Curt E. Coulter holds 10,857.9111 ChoiceOne Financial Services shares directly and 1,499.2145 shares indirectly through an IRA. These figures include incremental shares noted in footnotes from the reinvestment of cash dividends into additional common stock.

Was the COFS insider transaction a purchase or a grant?

The COFS insider transaction was a grant of 245 common shares at $28.12 per share, categorized as a “Grant, award, or other acquisition.” It was not an open-market purchase, but part of equity-based compensation to director Curt E. Coulter.

What do the dividend reinvestment footnotes mean for COFS holdings?

Footnotes state that column 5 reflects acquisitions of 206.9196 and 56.3384 ChoiceOne shares from reinvested cash dividends. This means some of Curt E. Coulter’s reported holdings grew automatically as dividends were used to buy additional common stock, rather than through separate trades.

How is Curt E. Coulter’s indirect ownership in COFS structured?

In addition to his direct shares, Curt E. Coulter reports 1,499.2145 ChoiceOne common shares held indirectly through an IRA. This indirect line shows retirement-account ownership, which is still attributed to him for reporting but kept separate from his directly held share balance.

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

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Accepted by SEC EDGAR 04/03/2026 - 12:14 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^*

Coulter Curt E

(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		245	A	$28.12	10,857.9111(1)	D
Common Stock								1,499.2145(2)	I	IRA

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 206.9196 shares from the reinvestment of cash dividends.

2. Column 5 reflects the acquisition of 56.3384 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)