[Form 4] MidWestOne Financial Group Insider Trading Activity

Rhea-AI Filing Summary

Paul A. Ho-Sing-Loy, Vice President and Chief Information Officer of MidWestOne Financial Group (MOFG), reported a change in beneficial ownership related to tax withholding on vested restricted stock units. On 08/15/2025 the filing shows 176 shares were disposed of at an average price of $28.51 to satisfy payroll taxes due upon vesting. After the transaction, the reporting person beneficially owned 5,280 shares.

The filing notes the 5,280-share total includes an increase of 16.132 shares from dividend reinvestment since the last Form filing. The Form 4 was signed under power of attorney and dated 08/18/2025.

Positive

• Disposition was for tax withholding on vested restricted stock units rather than an open-market sale, indicating administrative action rather than a sell signal
• Total beneficial ownership remains intact at 5,280 shares after the withholding
• Dividend reinvestment increased the position by 16.132 shares since the last filing

Negative

• None.

Insights

Corporate Governance Expert

TL;DR: A routine tax-withholding disposition on vested RSUs, not an opportunistic sale; ownership remains modest at 5,280 shares.

The report documents a common administrative transaction: 176 shares were withheld to cover payroll taxes upon vesting of prior restricted stock units. Because the disposal is described as tax withholding rather than a discretionary sale, it does not alone signal a change in insider confidence. Ownership after the transaction is reported at 5,280 shares, and the filing was executed under a power of attorney, which is standard for administrative filings.

Securities Analyst

TL;DR: Transaction is administrative and small relative to typical market-moving insider activity; limited investor impact.

The disposed amount (176 shares at $28.51) appears to satisfy tax obligations tied to RSU vesting, per the explanation. The filing also documents a small increase of 16.132 shares from dividend reinvestment since the last filing, which slightly raised the beneficial position. Overall, this Form 4 reflects routine insider mechanics rather than a material directional trade.

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^*

Ho-Sing-Loy Paul A

(Last) (First) (Middle)

102 S CLINTON STREET

P.O. BOX 1700

(Street)

IOWA CITY IA 52244-1700

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
MidWestOne Financial Group, Inc. [ MOFG ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	VP, Chief Information Officer

3. Date of Earliest Transaction (Month/Day/Year)
08/15/2025

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	08/15/2025		F(1)		176	D	$28.51	5,280(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. Restricted stock units withheld to pay payroll taxes due upon the vesting of restricted stock units from prior year's award.

2. Shares increased by 16.132 shares due to additional shares acquired through dividends reinvested since the reporting person's last Form filing.

Remarks:

	Kenneth R. Urmie, Deputy Corporate Secretary, for Paul A. Ho-Sing-Loy under Power of Attorney dated March 2, 2025	08/18/2025
	** 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 Paul A. Ho-Sing-Loy report on Form 4 for MOFG?

The Form 4 reports that 176 shares were disposed of on 08/15/2025 at an average price of $28.51 to satisfy payroll taxes upon RSU vesting; beneficial ownership after the transaction is 5,280 shares.

Why were 176 shares disposed according to the filing?

The filing explains the 176 shares were withheld to pay payroll taxes due upon the vesting of restricted stock units from a prior award.

Did the filing show any exercise of options or derivative transactions?

No. Table II (derivative securities) contains no reported exercises or derivative transactions in this filing.

How did dividend reinvestment affect the reporting person's holdings?

The filing states shares increased by 16.132 shares due to additional shares acquired through dividend reinvestment since the last Form filing.

Who signed the Form 4 for the reporting person?

The Form 4 was filed and signed by Kenneth R. Urmie, Deputy Corporate Secretary, for Paul A. Ho-Sing-Loy under a power of attorney dated March 2, 2025, with a signature date of 08/18/2025.