Independent Bank (IBCP) releases Q4 2025 results materials

Rhea-AI Filing Summary

Independent Bank Corporation filed a current report to note that it has released its financial results for the quarter ended December 31, 2025. The company issued a press release with these quarterly results and provided additional supporting materials, including detailed supplemental data and an earnings conference call slide presentation.

These materials are furnished as exhibits to the report rather than being formally filed, which means they are not automatically incorporated into other securities law filings unless specifically referenced.

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SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report: January 22, 2026

INDEPENDENT BANK CORPORATION

(Exact name of registrant as specified in its charter)

Michigan			0-7818			38-2032782
(State or other jurisdiction of incorporation)			(Commission File Number)			(IRS Employer Identification No.)

4200 East Beltline Grand Rapids, Michigan			49525
(Address of principal executive office)			(Zip Code)

Registrant’s telephone number,

including area code:

(616) 527-5820

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

o			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
o			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
o			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
o			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class			Trading symbol(s)			Name of each exchange on which registered
Common stock, no par value			IBCP			NASDAQ Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company o

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o

Item 2.02.    Results of Operations and Financial Condition

On January 22, 2026, Independent Bank Corporation issued a press release announcing its financial results for the quarter ended December 31, 2025. A copy of the press release is attached as Exhibit 99.1. Attached Exhibit 99.2 contains supplemental data to that press release and attached Exhibit 99.3 contains a slide presentation for our earnings conference call.

The information in this Form 8-K and the attached Exhibits shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor shall they be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such filing.

Item 9.01.    Financial Statements and Exhibits

Exhibits.

99.1			Press release dated January 22, 2026.
99.2			Supplemental data to the Registrant’s press release dated January 22, 2026.
99.3			Earnings conference call presentation.

2

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

INDEPENDENT BANK CORPORATION

(Registrant)

Date

January 22, 2026

By

s/Gavin A. Mohr

Gavin A. Mohr, Principal Financial Officer

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FAQ

What did Independent Bank Corporation (IBCP) disclose in this 8-K?

Independent Bank Corporation reported that it has released its financial results for the quarter ended December 31, 2025, and furnished related materials as exhibits.

How did Independent Bank Corporation (IBCP) communicate its Q4 2025 results?

The company issued a press release dated January 22, 2026 announcing its financial results for the quarter ended December 31, 2025.

What exhibits are included with Independent Bank Corporation’s (IBCP) 8-K?

The report includes Exhibit 99.1 (press release), Exhibit 99.2 (supplemental data), and Exhibit 99.3 (earnings conference call presentation).

Are the Independent Bank Corporation (IBCP) earnings materials considered filed with the SEC?

No. The company states that the information in this report and the attached exhibits shall not be deemed filed for purposes of Section 18 of the Exchange Act.

Which period’s financial results does Independent Bank Corporation (IBCP) cover in this update?

The press release and related exhibits cover financial results for the quarter ended December 31, 2025.