Independent Bank Corp. filings document the regulatory record of a Michigan bank holding company operating through Independent Bank, its state-chartered banking subsidiary. Form 8-K reports cover quarterly results, supplemental earnings materials, investor presentations furnished under Regulation FD, and other material-event disclosures tied to operating performance and capital actions.
Proxy and shareholder-meeting filings describe director elections, auditor ratification, executive compensation, governance practices and voting results. The company's SEC record also includes disclosures on capital structure, risk factors, forward-looking statements, financial-condition reporting and the governance framework for its community banking, mortgage lending, investment, insurance and title-service activities.
Independent Bank Corp (IBCP) reporting person Vanguard Capital Management reported beneficial ownership of 1,109,144 common shares, or 4.99%, as of September 30, 2026. The reported amount includes securities attributed to Vanguard Capital Management and specified affiliates or business divisions, including certain fund and client-account holdings.
Vanguard reported sole voting power over 171,800 shares and sole dispositive power over 1,109,144 shares; shared voting and dispositive power were each 0. Its disclosure states that Vanguard, including investment companies and other managed accounts, has the right to receive or direct dividends or sale proceeds, and that no other person's interest exceeds 5%.
Independent Bank Corporation (IBCP) reported third-quarter 2026 net income of $17.9 million, or $0.80 per diluted share, compared with $17.5 million and $0.84 a year earlier. Net interest income rose 21.8% to $55.3 million, reflecting higher average interest-earning assets and a wider margin; the GAAP net interest margin was 3.79%, versus 3.51%. Pre-tax, pre-provision net revenue was $26.3 million, compared with $23.2 million.
The company completed its acquisition of HCB Financial Corp. on July 1. Excluding $366.7 million of Highpoint loans acquired, loans grew $116.6 million (10.5% annualized); excluding $543.5 million of Highpoint deposits acquired, deposits grew $115.8 million (9.4% annualized) from June 30. Net interest margin excluding acquisition-related purchase accounting accretion was 3.76%.
Credit-loss provision was $4.8 million versus $2.0 million a year earlier, and non-performing loans were $39.2 million, or 0.80% of portfolio loans, versus $20.4 million, or 0.48%; government-guaranteed loans are excluded. Non-interest expense was $44.8 million, up from $34.1 million a year earlier, including $3.5 million of merger-related expense.
On October 1, 2026, Independent Bank Corp director William J. Boer acquired 292 common shares in a grant/award transaction, reported at $35.24 per share. His reported direct holdings after the transaction were 17,488 shares; that amount includes 122 shares acquired through a dividend reinvestment program during the third quarter. He also reported 28,124 shares held indirectly by trust.
Independent Bank Corp (IBCP) director Joan A. Budden accrued 259.02 Phantom Stock Units on August 14, 2026, under the deferred compensation and stock purchase plan for non-employee directors. The units are to be settled in the issuer’s common stock upon her retirement as a director. Her reported post-transaction position was 35,868.25 Phantom Stock Units. The reported holdings also include 6,323 directly held common shares, including 15 acquired through a dividend reinvestment program during the third quarter, and 810 common shares held indirectly by IRA.
Independent Bank Corp. director Stephen L. Gulis Jr. acquired 466.39 Phantom Stock Units on August 14, 2026. His reported direct balance after the transaction was 64,585.05 Phantom Stock Units. The units were accrued under the Independent Bank Corporation Deferred Compensation and Stock Purchase Plan for Non Employee Directors and are to be settled in the issuer's common stock upon his retirement as a director.
Michael G. Wooldridge reported acquisition or exercise transactions in this Form 4 filing. Independent Bank Corp director Michael G. Wooldridge reported accruals of 3.0900 phantom stock units on August 14, 2026, and 140.2300 phantom stock units on October 1, 2026. The units accrued under the Independent Bank Corporation Deferred Compensation and Stock Purchase Plan for Non Employee Directors and are to be settled in the issuer’s common stock upon his retirement as a director. For the October 1 accrual, the unit count is determined by dividing the accrual amount by 90% of the common stock’s fair market value on the effective date of deferral.
Independent Bank Corp director Michael J. Cok reported acquiring 208.1700 Phantom Stock Units on August 14, 2026, and 373.8300 units on October 1, 2026. The units accrued under the Independent Bank Corporation Deferred Compensation and Stock Purchase Plan for Non Employee Directors; the number credited is determined by dividing the accrual amount by 90% of the common stock’s fair market value on the effective date of deferral.
Independent Bank Corp. director Nathaniel Ernest Tagg acquired 650.3 Phantom Stock Units on October 1, 2026, and 3.36 units on August 14, 2026. Both entries were accrued under the Independent Bank Corporation Deferred Compensation and Stock Purchase Plan for Non Employee Directors and are to be settled in the issuer’s common stock upon Tagg’s retirement as a director. The number of units credited is determined by dividing the accrual amount by 90% of the common stock’s fair market value on the effective date of deferral.
Ronia F. Kruse reported acquisition or exercise transactions in this Form 4 filing. Independent Bank Corp director Ronia F. Kruse was credited with 177.51 Phantom Stock Units on August 14, 2026, and 130.06 Phantom Stock Units on October 1, 2026, under the Independent Bank Corporation Deferred Compensation and Stock Purchase Plan for Non Employee Directors. For the October credit, the number of units is determined by dividing the accrual amount by 90% of the common stock’s fair market value on the effective date of deferral.
Independent Bank Corp. director Christina Keller acquired 650.3 Phantom Stock Units on October 1, 2026 and 182.17 units on August 14, 2026. Both were accrued under the Independent Bank Corporation Deferred Compensation and Stock Purchase Plan for Non Employee Directors and are to be settled in the issuer’s common stock upon her retirement as a director. For the October 1 units, the credited unit count is determined by dividing the accrual amount by 90% of the fair market value of the issuer’s common stock on the effective date of deferral.