[Form 4] CHOICEONE FINANCIAL SERVICES INC Insider Trading Activity

Rhea-AI Filing Summary

Brian P. Petty, a director of ChoiceOne Financial Services Inc. (COFS), reported a purchase of 574 shares of the issuer's common stock on 10/01/2025 at a price of $28.96 per share. After the transaction, the reporting person beneficially owns 105,544 shares. The Form 4 was signed by Christian D. Rhoades by power of attorney on 10/03/2025. This filing reports a single non-derivative acquisition by an insider and discloses the resulting total beneficial ownership.

Positive

• Director purchase: 574 shares acquired on 10/01/2025 at $28.96
• Increased insider ownership: resulting beneficial ownership of 105,544 shares disclosed

Negative

• None.

Insights

Insider Transactions Analyst

Director purchased 574 shares on 10/01/2025 at $28.96, raising ownership to 105,544 shares.

This Form 4 records a non-derivative acquisition by Brian P. Petty rather than an option exercise or derivative trade, meaning actual shares changed hands at $28.96 per share on 10/01/2025.

The filing shows the director's total beneficial ownership: 105,544 shares, a concrete, reportable holding level. The Form was executed by power of attorney on 10/03/2025, which is the administrative signature date.

Transaction date disclosed: 10/01/2025.

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).

1. Name and Address of Reporting Person^*

PETTY BRIAN P

(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		574	A	$28.96	105,544	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:

	/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 did the Form 4 filed for COFS report?

The Form 4 reports that Brian P. Petty, a director, acquired 574 shares on 10/01/2025 at $28.96, bringing his total to 105,544 shares.

When was the insider transaction dated and when was the Form 4 signed?

The transaction date is 10/01/2025 and the Form 4 was signed by power of attorney on 10/03/2025.

Was the reported transaction a derivative or a direct share trade?

It was a non-derivative transaction (direct purchase of common stock).

What is the reporting person's relationship to ChoiceOne Financial Services (COFS)?

The reporting person, Brian P. Petty, is listed as a director of COFS.

Who signed the Form 4 and how?

The Form 4 was signed /s/ Christian D. Rhoades by power of attorney on 10/03/2025.