[Form 4] CHOICEONE FINANCIAL SERVICES INC Insider Trading Activity

Rhea-AI Filing Summary

Bradley F. McGinnis, a director of CHOICEONE FINANCIAL SERVICES INC (COFS), reported an open-market purchase on 10/01/2025. The filing shows he acquired 574 shares of the issuer's common stock at a price of $28.96 per share.

Following the transaction, Mr. McGinnis beneficially owns 12,575 shares directly and 14,301 shares indirectly through Megawall Corporation. The Form 4 was signed by Christian D. Rhoades by power of attorney on 10/03/2025.

Insights

Corporate Governance Analyst

Director purchased shares; holdings split between direct and indirect ownership.

The reported purchase of 574 shares at $28.96 is a routine insider acquisition recorded on 10/01/2025. Insider purchases are commonly viewed as alignment of interests between management/directors and shareholders because they increase the insider's stake.

The filing also discloses a total of 12,575 shares held directly and 14,301 shares held indirectly via Megawall Corporation, which clarifies the director's combined economic exposure to the company.

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).

1. Name and Address of Reporting Person^*

McGinnis Bradley F.

(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	12,575	D
Common Stock								14,301	I	By Megawall Corporation

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:

	/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 COFS Form 4 filed by Bradley F. McGinnis disclose?

It discloses a purchase of 574 shares on 10/01/2025 at $28.96 per share and total holdings of 12,575 shares direct plus 14,301 shares indirect.

How many shares does Bradley F. McGinnis own directly and indirectly in COFS?

He owns 12,575 shares directly and 14,301 shares indirectly through Megawall Corporation as reported in the Form 4.

When was the transaction and when was the Form 4 signed?

The transaction date is 10/01/2025 and the Form 4 was signed by power of attorney on 10/03/2025.

At what price were the 574 shares purchased?

The filing reports a purchase price of $28.96 per share.

Who filed or signed the Form 4 on behalf of the reporting person?

The Form 4 was signed by Christian D. Rhoades by power of attorney.