Independent Bank Corp (IBCP) officer adds 358 common shares

Rhea-AI Filing Summary

Independent Bank Corp. officer Kristopher Kreter reported acquiring 358 shares of common stock on February 3, 2026. The shares were acquired at a reported price of $0.00 per share, increasing his directly held position to 2,601 shares. He is also reported as having indirect beneficial ownership of 186.04 shares through an employee stock ownership plan (ESOP). Kreter serves as First Vice President and Controller of the company.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Kreter Kristopher

Role First Vice Pres. & Controller

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	358	$0.00	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 2,601 shares (Direct); Common Stock — 186.04 shares (Indirect, By ESOP)

Footnotes (1)

Form 4 Insider Transactions: What Each Field Means →

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^*

Kreter Kristopher

(Last) (First) (Middle)

4200 E BELTLINE

(Street)

GRAND RAPIDS MI 49525

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
INDEPENDENT BANK CORP /MI/ [ IBCP ]

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

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	First Vice Pres. & Controller

3. Date of Earliest Transaction (Month/Day/Year)
02/03/2026

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								186.04	I	By ESOP
Common Stock	02/03/2026		A		358	A	$0	2,601	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:

Remarks:

	s/Darcy J. Benjamin, Attorney-in-Fact	02/05/2026
	** 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.

FAQ

What insider transaction did Kristopher Kreter report at INDEPENDENT BANK CORP (IBCP)?

Kristopher Kreter reported acquiring 358 shares of INDEPENDENT BANK CORP common stock on February 3, 2026. The transaction was coded as an acquisition, increasing his directly held position to 2,601 shares following the reported activity.

At what price were the 358 IBCP shares acquired by Kristopher Kreter?

The 358 shares of INDEPENDENT BANK CORP common stock were reported as acquired at a price of $0.00 per share. This typically indicates a non-cash acquisition, though the specific nature of the award is not described in the provided information.

How many INDEPENDENT BANK CORP shares does Kristopher Kreter own after this Form 4 filing?

After the reported transaction, Kristopher Kreter beneficially owns 2,601 shares of INDEPENDENT BANK CORP common stock directly. He is also reported as having indirect beneficial ownership of 186.04 additional shares held through an employee stock ownership plan (ESOP).

What is Kristopher Kreter’s role at INDEPENDENT BANK CORP (IBCP)?

Kristopher Kreter is identified as an officer of INDEPENDENT BANK CORP, serving as First Vice President and Controller. His status as an officer requires reporting transactions in company securities on Form 4 under U.S. securities regulations.

What indirect ownership in IBCP shares is reported for Kristopher Kreter?

The filing reports that Kristopher Kreter has indirect beneficial ownership of 186.04 INDEPENDENT BANK CORP common shares. These shares are held "By ESOP," indicating they are attributed to him through an employee stock ownership plan arrangement.

Is the Form 4 for INDEPENDENT BANK CORP filed by one or multiple reporting persons?

The Form 4 is filed by one reporting person, Kristopher Kreter. The filing indicates that the report is made on behalf of a single insider rather than a group or multiple reporting persons acting together.