Director-linked entity buys 1,000 COFS shares

ChoiceOne Financial Services director Bradley F. McGinnis reported an indirect open-market purchase of 1,000 shares of common stock at $29.15 per share by Megawall Corporation, an entity through which he holds shares.

Rhea-AI Filing Summary

ChoiceOne Financial Services director Bradley F. McGinnis reported an indirect open-market purchase of 1,000 shares of common stock at $29.15 per share by Megawall Corporation, an entity through which he holds shares. Following this transaction, Megawall Corporation holds 15,301 shares indirectly, and McGinnis also directly holds 13,139 shares of ChoiceOne common stock.

Insider Trade Summary

Net Buyer: 1,000 shares

Net Buy 2 txns

Insider McGinnis Bradley F.

Role Director

Bought 1,000 shs ($29K)

Type	Security	Shares	Price	Value
Purchase	Common Stock	1,000	$29.15	$29K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 15,301 shares (Indirect, By Megawall Corporation); Common Stock — 13,139 shares (Direct)

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did COFS director Bradley F. McGinnis report?

Bradley F. McGinnis reported an indirect open-market purchase of 1,000 ChoiceOne Financial Services shares at $29.15 per share. The shares were acquired through Megawall Corporation, an entity associated with him, and increase his reported indirect ownership stake in the company.

At what price were the new COFS shares purchased in this Form 4?

The newly acquired ChoiceOne Financial Services shares were purchased at $29.15 per share. This price reflects the open-market transaction on the reported date and determines the total cash value of the 1,000-share purchase disclosed in the insider trading report.

How many COFS shares does Megawall Corporation hold after the transaction?

After the reported transaction, Megawall Corporation holds 15,301 ChoiceOne Financial Services common shares indirectly for Bradley F. McGinnis. This updated figure reflects the addition of 1,000 shares acquired in the open-market purchase disclosed in the Form 4 filing.

What is Bradley F. McGinnis’s direct COFS share ownership after this filing?

Following the reported activity, Bradley F. McGinnis directly owns 13,139 ChoiceOne Financial Services common shares. This direct holding is reported separately from his indirect ownership through Megawall Corporation, giving investors visibility into his total reported equity exposure.

Was the COFS insider transaction a buy or sell action?

The reported ChoiceOne Financial Services insider transaction was a buy, specifically an open-market purchase of 1,000 common shares. There were no reported sales in this Form 4, and the transaction summary shows a net-buy direction based on the disclosed activity.

Who actually holds the newly purchased COFS shares reported in this Form 4?

The 1,000 newly purchased ChoiceOne Financial Services shares are held by Megawall Corporation, an entity associated with Bradley F. McGinnis. The filing classifies this as indirect ownership, distinguishing it from his separate directly held COFS share position.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 03/04/2026 - 01:44 PM Learn about SEC filing dates

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^*

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)
03/03/2026

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	03/03/2026		P		1,000	A	$29.15	15,301	I	By Megawall Corporation
Common Stock								13,139	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:

	/s/ Christian D. Rhoades, by Power of Attorney	03/04/2026
	** 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.