[Form 4] CHOICEONE FINANCIAL SERVICES INC Insider Trading Activity

Rhea-AI Filing Summary

Essex Bruce John Jr, a Director of ChoiceOne Financial Services Inc (COFS), reported an open-market purchase of 238 shares of the issuer's common stock on 10/01/2025 at a reported price of $28.96 per share. After the transaction, Mr. Essex beneficially owns 249,824 shares indirectly through a trust. The Form 4 was signed by power of attorney on 10/03/2025. The filing shows only this single non-derivative acquisition; no derivative transactions or additional explanatory text are provided.

Insights

Corporate Governance Analyst

Director reported a small open-market purchase increasing indirect holdings to 249,824 shares.

The filing discloses a non-derivative purchase of 238 common shares on 10/01/2025 at $28.96 per share, recorded as indirect ownership via a trust. This is a straightforward Section 16 disclosure showing a change in beneficial ownership.

The transaction is routine in nature and contains no derivatives, sales, or other material arrangements; therefore the immediate investor impact is limited to the confirmed change in insider holdings.

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

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

1. Name and Address of Reporting Person^*

Essex Bruce John Jr

(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)
10/01/2025

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	10/01/2025		A		238	A	$28.96	249,824	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	10/03/2025
	** 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.

FAQ

What transaction did the COFS filing report?

The Form 4 reports a non-derivative purchase of 238 common shares on 10/01/2025 at $28.96 per share.

Who filed the Form 4 for COFS?

The filing reports Essex Bruce John Jr, a Director of ChoiceOne Financial Services Inc, as the reporting person.

How many COFS shares does the reporting person beneficially own after the transaction?

After the reported purchase, the reporting person beneficially owns 249,824 shares indirectly through a trust.

Were any derivative securities reported in the COFS Form 4?

No. The filing lists only a non-derivative common stock acquisition and contains no derivative transactions.

When was the Form 4 signed and filed?

The Form 4 shows the transaction date as 10/01/2025 and the signature (by power of attorney) dated 10/03/2025.