[Form 4] CHOICEONE FINANCIAL SERVICES INC Insider Trading Activity

Rhea-AI Filing Summary

ChoiceOne Financial Services director Curt E. Coulter reported the purchase of 238 shares of Common Stock on 10/01/2025 at a price of $28.96 per share, recorded on a Form 4. The filing shows the purchase resulted from a dividend reinvestment that added 93.4869 shares, as noted in the explanation. After the transaction, Mr. Coulter directly beneficially owns 10,173.9915 shares and indirectly holds 1,442.8761 shares in an IRA. The Form 4 identifies him as a Director and was filed individually. No derivative securities or other material transactions are reported.

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^*

Coulter Curt E

(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	10,173.9915(1)	D
Common Stock								1,442.8761	I	IRA

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 93.4869 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 the ChoiceOne (COFS) Form 4 disclose?

The Form 4 discloses a 238-share acquisition by director Curt E. Coulter on 10/01/2025 at $28.96 per share, including 93.4869 shares from dividend reinvestment.

How many ChoiceOne shares does Curt E. Coulter own after the transaction?

The filing reports he directly owns 10,173.9915 shares and indirectly holds 1,442.8761 shares in an IRA.

Was the Form 4 filed jointly or by one reporting person for COFS?

The filing indicates it was submitted by one reporting person (individual filing).

Does the Form 4 report any option or derivative activity for COFS?

No. Table II for derivative securities shows no reported derivative acquisitions or dispositions.

What was the stated reason for the additional shares reported on the Form 4?

The explanation states 93.4869 shares were acquired through the reinvestment of cash dividends.