COFS director reports 345-share stock grant

Brophy Keith D. reported acquisition or exercise transactions in this Form 4 filing.

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Form Type

Rhea-AI Filing Summary

Brophy Keith D. reported acquisition or exercise transactions in this Form 4 filing.

CHOICEONE FINANCIAL SERVICES INC director Keith D. Brophy reported an equity award and updated holdings. He received 345 shares of Common Stock at $34.00 per share as a grant held indirectly through a trust, bringing that indirect position to 13,443.9087 shares. A separate entry shows 8,556 directly held shares as of the same date.

Insider Trade Summary

Grant/Award: 345 shares

Grant/Award 2 txns

Insider Brophy Keith D.

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	345	$34.00	$12K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 13,443.9087 shares (Indirect, Trust); Common Stock — 8,556 shares (Direct)

Key Figures

Equity grant shares: 345 shares Grant price: $34.00 per share Indirect holdings after grant: 13,443.9087 shares +1 more

4 metrics

Equity grant shares 345 shares Common Stock grant coded A on Form 4

Grant price $34.00 per share Reported price for 345-share award

Indirect holdings after grant 13,443.9087 shares Common Stock held via trust after transaction

Direct holdings reported 8,556 shares Separate holding entry as of transaction date

Key Terms

Grant, award, or other acquisition, indirect, Common Stock, Form 4

4 terms

Grant, award, or other acquisition financial

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

indirect financial

""ownership_type": "indirect","

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.

Form 4 regulatory

"INSIDER FILING DATA (Form 4):"

Form 4 is a official document that company insiders, such as executives or major shareholders, file with regulators whenever they buy or sell company shares. It provides transparency about how those with inside knowledge are trading, helping investors see if insiders are confident in the company's prospects or may be selling for personal reasons. This information can influence investor decisions by revealing insiders' perspectives on the company's value.

FAQ

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

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

Keith D. Brophy reported receiving 345 shares of CHOICEONE FINANCIAL SERVICES INC Common Stock as an equity grant. The award was recorded at $34.00 per share and is held indirectly through a trust associated with him, reflecting compensation rather than an open-market purchase.

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

The COFS Form 4 shows a grant or award acquisition, not a market purchase. Code A indicates 345 Common Stock shares were awarded at $34.00 per share, held indirectly via a trust, consistent with compensation-related stock awards rather than discretionary open-market buying.

How many COFS shares does Keith D. Brophy hold after this Form 4?

After the reported transactions, Keith D. Brophy holds 13,443.9087 COFS Common Stock shares indirectly through a trust. A separate holding entry lists 8,556 shares directly held. Together, these figures show his updated direct and indirect ownership positions as of the transaction date.

What does indirect ownership via a trust mean for COFS shares?

Indirect ownership via a trust means the COFS shares are registered to a trust, not directly to the individual. The Form 4 notes the 345-share grant and 13,443.9087 total indirect shares are held by a trust, clarifying the nature of his beneficial ownership structure.

Does the COFS Form 4 show any insider selling activity?

The COFS Form 4 does not report any selling transactions. It shows one grant or award acquisition of 345 Common Stock shares and one holding entry, with no open-market sales, tax-withholding dispositions, or gifts disclosed in the summarized transaction data.

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

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Accepted by SEC EDGAR 07/06/2026 - 01:08 PM EDT

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)
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)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	07/01/2026		A		345	A	$34	13,443.9087	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)
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)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)

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)

Source: View Original Filing on SEC EDGAR