IBCP (INDEPENDENT BANK CORP) officer reports 94-share transaction and updated holdings

Rhea-AI Filing Summary

INDEPENDENT BANK CORP (IBCP) officer Kristopher Kreter reported a small insider transaction in company common stock. On 02/06/2026, he recorded a disposition of 94 shares with transaction code F at $36.60 per share. After this, he beneficially owned 2,507 shares directly and 186.04 shares indirectly through an ESOP, indicating a modest overall holding.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Kreter Kristopher

Role First Vice Pres. & Controller

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	94	$36.60	$3K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 2,507 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)
02/06/2026

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	02/06/2026		F		94	D	$36.6	2,507	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	02/09/2026
	** 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 a disposition of 94 shares of INDEPENDENT BANK CORP common stock. The transaction occurred on 02/06/2026 and used Form 4 transaction code F at a price of $36.60 per share, reflecting a relatively small change in his holdings.

How many IBCP shares does Kristopher Kreter own after the Form 4 filing?

After the reported transaction, Kristopher Kreter beneficially owns 2,507 INDEPENDENT BANK CORP common shares directly. He also reports indirect beneficial ownership of 186.04 shares through an ESOP, giving investors a view of his total reported interest in the company’s equity.

What does transaction code F mean in Kristopher Kreter’s IBCP Form 4?

The Form 4 lists transaction code F for the 94-share disposition. Code F indicates a specific type of reportable transaction under SEC rules, and here it simply labels how the 94 shares at $36.60 per share were categorized in the insider’s filing.

Is Kristopher Kreter’s ownership in IBCP direct or through a plan?

Kristopher Kreter reports both direct and indirect ownership in INDEPENDENT BANK CORP. He holds 2,507 common shares directly and 186.04 shares indirectly “By ESOP,” meaning those shares are held through an employee stock ownership plan structure associated with him.

What is Kristopher Kreter’s role at INDEPENDENT BANK CORP related to this Form 4?

Kristopher Kreter is identified as an officer of INDEPENDENT BANK CORP with the title “First Vice Pres. & Controller.” His position makes him a reporting person under SEC Section 16 rules, requiring disclosure of changes in his beneficial ownership of company common stock.