[Form 4] CHOICEONE FINANCIAL SERVICES INC Insider Trading Activity

Rhea-AI Filing Summary

CHOICEONE FINANCIAL SERVICES INC director Greg L. Armock reported an equity award in company stock. On April 1, 2026, a trust associated with him acquired 591 shares of Common Stock as a grant/award acquisition at $28.12 per share, an indirect holding. After this award, his indirect holdings through the trust rose to 45,881.1772 shares, while his directly held position remained at 17,513.445 shares. Footnotes also note additional shares accumulated over time from the reinvestment of cash dividends, indicating a pattern of ongoing ownership rather than an open-market trade.

Insights

Equity compensation analyst

Routine stock award increases director’s indirect COFS holdings.

Greg L. Armock, a director of CHOICEONE FINANCIAL SERVICES INC, received an equity award of 591 Common Stock shares at $28.12 per share. The filing labels this as a grant or award acquisition rather than an open-market purchase.

Following the award, his indirect holdings held via a trust total 45,881.1772 shares, with an additional 17,513.445 shares held directly. Footnotes mention shares added from reinvestment of cash dividends, reinforcing that these positions build gradually over time.

The transaction scale is modest relative to his combined reported holdings, suggesting a routine compensation-related update to an already established position rather than a major shift in insider exposure. No derivative positions are shown in this filing, so the picture here is entirely common stock ownership.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Armock Greg L.

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	591	$28.12	$17K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 45,881.177 shares (Indirect, Trust); Common Stock — 17,513.445 shares (Direct)

Footnotes (1)

1. Column 5 reflects the acquisition of 885.8826 shares from the reinvestment of cash dividends. Column 5 reflects the acquisition of 111.3340 shares from the reinvestment of cash dividends.

Key Figures

Stock award shares: 591 shares Award price: $28.12 per share Indirect holdings after award: 45,881.1772 shares +3 more

6 metrics

Stock award shares 591 shares Grant/award acquisition of Common Stock on April 1, 2026

Award price $28.12 per share Price used for the 591-share stock award

Indirect holdings after award 45,881.1772 shares Common Stock held indirectly through a trust after transaction

Direct holdings after filing 17,513.445 shares Common Stock held directly by Greg L. Armock

Dividend reinvestment shares (F1) 885.8826 shares Shares added via reinvestment of cash dividends noted in footnote

Dividend reinvestment shares (F2) 111.3340 shares Additional shares from reinvestment of cash dividends

Key Terms

grant/award acquisition, indirect, Trust, reinvestment of cash dividends

4 terms

grant/award acquisition financial

"the filing labels this as a grant or award acquisition rather than an open-market purchase"

indirect financial

"an equity award of 591 Common Stock shares at $28.12 per share, an indirect holding"

Trust financial

"the shares were acquired indirectly through a trust associated with him"

reinvestment of cash dividends financial

"shares from the reinvestment of cash dividends, reinforcing that these positions build gradually"

Form 4 Insider Transactions: What Each Field Means →

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^*

Armock Greg L.

(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)
04/01/2026

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)
			Code	V	Amount	(A) or (D)	Price
Common Stock	04/01/2026		A		591	A	$28.12	45,881.1772(1)	I	Trust
Common Stock								17,513.445(2)	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 885.8826 shares from the reinvestment of cash dividends.

2. Column 5 reflects the acquisition of 111.3340 shares from the reinvestment of cash dividends.

	/s/ Christian D. Rhoades, by Power of Attorney	04/02/2026
	** 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)