Independent Bank (NASDAQ: IBCP) director adds 1,200 shares in open-market buy

Rhea-AI Filing Summary

Independent Bank Corp. director Ronia F. Kruse bought 1,200 shares of common stock in an open-market purchase at $35.27 per share on February 24, 2026. Following this transaction, her directly owned stake increased to 2,200 shares of Independent Bank Corp. common stock.

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

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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^*

Kruse Ronia F

(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)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
02/24/2026

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	02/24/2026		P		1,200	A	$35.27	2,200	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	02/27/2026
	** 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 IBCP director Ronia F. Kruse report?

Director Ronia F. Kruse reported an open-market purchase of 1,200 shares of Independent Bank Corp. common stock. The shares were bought on February 24, 2026, and reflect a routine Form 4 insider filing disclosing changes in her direct ownership position.

At what price did Ronia F. Kruse buy IBCP shares?

Ronia F. Kruse bought the 1,200 Independent Bank Corp. shares at $35.27 per share. This transaction was classified as an open-market purchase, indicating she acquired the stock through regular market trading rather than through options, grants, or other non-market mechanisms.

How many IBCP shares does Ronia F. Kruse own after the transaction?

After the reported purchase, Ronia F. Kruse directly owns 2,200 shares of Independent Bank Corp. common stock. The Form 4 shows this post-transaction balance, reflecting the addition of 1,200 newly purchased shares to her prior ownership position.

Was the IBCP insider transaction a purchase or a sale?

The IBCP insider transaction was a purchase. The Form 4 identifies transaction code “P” and describes it as an open-market purchase, confirming that director Ronia F. Kruse increased her direct holdings rather than disposing of or transferring shares.

What type of security did Ronia F. Kruse acquire in IBCP?

Ronia F. Kruse acquired Independent Bank Corp. common stock. The Form 4 specifies the security title as common stock, and the transaction involved buying 1,200 shares directly in the open market at a reported price of $35.27 per share.

Is the IBCP insider transaction held directly or indirectly by Ronia F. Kruse?

The shares from this transaction are held directly by Ronia F. Kruse. The Form 4 lists the ownership code as “D” for direct ownership, and there are no footnotes indicating any trust, partnership, or other indirect holding arrangement for these shares.