[Form 4] CHOICEONE FINANCIAL SERVICES INC Insider Trading Activity

Rhea-AI Filing Summary

Harold J. Burns, a Director of CHOICEONE FINANCIAL SERVICES INC (COFS), reported a transaction dated 10/01/2025 on a Form 4. The filing reports an acquisition of 574 shares of the issuer's common stock at a reported price of $28.96 per share. After the reported transaction, the filing shows beneficial ownership of 24,034.5856 shares held directly.

The form includes an explanatory note that 151.8022 shares were acquired through reinvestment of cash dividends. The Form 4 is signed by Christian D. Rhoades by power of attorney on 10/03/2025 and lists the reporting person address in Sparta, MI.

Positive

• Director acquisition of 574 shares recorded at $28.96
• Reinvestment of cash dividends added 151.8022 shares to holdings
• Beneficial ownership after transaction documented as 24,034.5856 shares (direct)

Negative

• None.

Insights

Insider Transactions Analyst

Director acquired 574 shares at $28.96 on 10/01/2025; dividend reinvestment added 151.8022 shares.

The filing documents a straightforward purchase and a dividend reinvestment, increasing the reporting person's direct stake to 24,034.5856 shares. The transaction is recorded under a standard acquisition code and the price per share is disclosed as $28.96.

This is a routine Section 16 disclosure that updates ownership levels and shows reinvestment activity; it does not include derivative transactions or changes in voting control.

Corporate Governance Expert

Disclosure filed by a director; signed by POA on 10/03/2025.

The report names Harold J. Burns as a director and shows the transaction was filed by one reporting person. The signature by a named power of attorney is included, satisfying filing formalities.

No officer title, group filing, or indirect ownership structure is disclosed beyond the direct holding figure of 24,034.5856 shares.

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

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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^*

Burns Harold J

(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	24,034.5856(1)	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 151.8022 shares from the reinvestment of cash dividends.

	/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 COFS director Harold J. Burns report on Form 4?

He reported an acquisition of 574 shares of COFS common stock on 10/01/2025 at a price of $28.96 per share.

How many COFS shares does Harold J. Burns beneficially own after the reported transaction?

The Form 4 shows beneficial ownership of 24,034.5856 shares held directly following the transaction.

Did the filing indicate any dividend reinvestment for COFS insider activity?

Yes. The explanatory note states 151.8022 shares were acquired through reinvestment of cash dividends.

Who signed the COFS Form 4 and when was it signed?

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

Is the reporting person an officer or a 10% owner of COFS?

The filing checks the box indicating the reporting person is a Director; no officer title or 10% owner designation is checked.