[Form 4] CHOICEONE FINANCIAL SERVICES INC Insider Trading Activity

Rhea-AI Filing Summary

Greg L. Armock, a director of ChoiceOne Financial Services, Inc. (COFS), reported a transaction dated 10/01/2025 on a Form 4. The filing shows an acquisition of 574 shares of the company's common stock at a purchase price of $28.96 per share. After the reported transaction, the form lists 43,756.2946 shares beneficially owned in an indirect capacity. The filing also includes an entry for 17,083.055 shares of common stock shown as Direct (D) for a trust; the form's explanation additionally notes the reinvestment of cash dividends resulting in 406.7593 shares acquired. The Form 4 was signed by Christian D. Rhoades, by Power of Attorney on 10/03/2025.

Positive

• Director acquisition of 574 shares indicates continued insider ownership
• Dividend reinvestment resulted in 406.7593 shares, showing use of DRIP

Negative

• None.

Insights

Insider Transactions Analyst

Small dividend reinvestment and purchase reported by a director.

The Form 4 discloses an acquisition of 574 shares at $28.96 on 10/01/2025, plus a reinvestment noted as 406.7593 shares. These entries are typical of dividend reinvestment plans or small open-market purchases and do not, on their face, indicate a change in control.

The reporting person is identified as a director and a portion of holdings are listed as indirect (43,756.2946 shares) and direct trust holdings (17,083.055 shares), which clarifies ownership structure but does not by itself imply material portfolio shifts. The Form 4 was executed via power of attorney on 10/03/2025.

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
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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^*

Armock Greg L.

(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	43,756.2946(1)	I	Trust
Common Stock								17,083.055	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 406.7593 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 did ChoiceOne (COFS) director Greg L. Armock report on the Form 4?

The Form 4 reports an acquisition of 574 shares at $28.96 on 10/01/2025 and notes beneficial ownership of 43,756.2946 shares indirectly.

Was the transaction a dividend reinvestment or an open-market purchase?

The filing includes an explanation that 406.7593 shares were acquired from the reinvestment of cash dividends; the record also shows an acquisition of 574 shares at $28.96.

What is the reporting person's relationship to COFS?

The reporting person, Greg L. Armock, is identified on the form as a Director of ChoiceOne Financial Services, Inc.

How many shares are shown as directly and indirectly owned after the transaction?

The Form 4 shows 43,756.2946 shares as indirectly owned and lists 17,083.055 shares associated with a trust as direct holdings.

When was the Form 4 filed or signed?

The signature block shows the form was executed by Christian D. Rhoades, by Power of Attorney on 10/03/2025.