Welcome to our dedicated page for Independent Bk Mich SEC filings (Ticker: IBCP), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to U.S. Securities and Exchange Commission filings for Independent Bank Corporation (NASDAQ: IBCP), the Michigan-based bank holding company for Independent Bank. Through these regulatory documents, investors can review the company’s detailed financial statements, risk disclosures, and governance information.
Independent Bank Corporation uses Form 8-K current reports to announce material events, including quarterly financial results, participation in investor conferences, and other significant corporate developments. Earnings-related 8-K filings typically reference press releases, supplemental data, and slide presentations that explain net interest income, non-interest income, asset quality, capital ratios, and other key banking metrics.
In addition to 8-Ks, investors can consult the company’s annual reports on Form 10-K and quarterly reports on Form 10-Q (accessible through the SEC’s EDGAR system) for comprehensive discussions of business operations, segment performance, risk factors, and regulatory capital. These filings also elaborate on areas highlighted in news releases, such as mortgage banking activities, allowance for credit losses, and liquidity sources.
For those tracking governance and executive activity, proxy statements and, where applicable, Form 4 insider transaction reports provide insight into director and officer holdings and compensation structures. Together, these documents form the official record of Independent Bank Corporation’s regulatory reporting as a commercial banking organization.
On Stock Titan, Independent Bank Corporation filings are updated as they are released to EDGAR. AI-powered tools summarize complex sections, helping readers understand the implications of lengthy 10-Ks, 10-Qs, and 8-Ks, and making it easier to identify the items most relevant to their analysis of IBCP.
Independent Bank Corp’s executive vice president reported an insider sale of the company’s common stock. On December 12, 2025, the insider sold 3,000 shares at an average price of $34.6407 per share. Following this transaction, the reporting person beneficially owns 34,157 shares directly and 1,819.58 shares indirectly through the company’s ESOP. The report is filed by a single reporting person and shows no derivative securities activity.
Independent Bank Corp. (IBCP) reported a small open-market stock purchase by one of its directors. On 11/21/2025, the director bought 212 shares of common stock at $31.57 per share in one transaction and 288 shares at $31.5783 per share in a separate transaction, both coded as purchases ("P").
After these trades, the director beneficially owned 11,212 and then 11,500 shares directly, showing a modest increase in personal ownership of IBCP common stock.
Independent Bank Corp (IBCP) reported an insider stock transaction by a senior executive. A Senior Vice President sold 486 shares of common stock on 11/21/2025 at a price of $31.6362 per share, according to a Form 4 filing. After this sale, the executive directly owned 8,436 shares of common stock.
The filing also shows additional indirect ownership of 3,978.72 shares through an ESOP (Employee Stock Ownership Plan). The report was filed by a single reporting person and indicates the transaction was a sale of existing shares, not the exercise of options or other derivative securities.
Independent Bank Corporation (IBCP) furnished an investor presentation under Item 7.01 of Form 8‑K. Management will hold one‑on‑one meetings with investors and analysts on November 5–6, 2025 at the Hovde Group Financial Services Conference and on November 10, 2025 at the Piper Sandler Financial Services Conference. Presenters include CEO William B. Kessel, CFO Gavin A. Mohr, and EVP Joel Rahn.
The presentation is available on the company’s website under Investor Relations → News & Events → Presentations and is furnished as Exhibit 99.1. The materials are furnished, not filed, and the company notes it may use its website to communicate material information.
Independent Bank Corporation reported higher profitability in its latest quarter while continuing to grow loans and deposits. For the three months ended September 30, 2025, net income rose to $17.5 million from $13.8 million a year earlier, with basic earnings per share increasing to $0.85 from $0.66. Net interest income improved to $45.4 million as loan interest and fee income expanded. For the first nine months of 2025, net income reached $50.0 million, up from $48.3 million, and basic earnings per share were $2.40.
Total loans increased to $4.20 billion and deposits to $4.86 billion, helping lift total assets to $5.49 billion. The allowance for credit losses grew to $62.5 million as non-performing loans increased to $20.4 million. Shareholders’ equity rose to $490.7 million, supported by earnings and improved unrealized losses on securities, while the company returned capital through $16.2 million of dividends and $7.8 million of share repurchases year-to-date.
Independent Bank Corporation (IBCP) furnished an 8-K noting it issued a press release announcing financial results for the quarter ended September 30, 2025.
The filing includes Exhibit 99.1 (press release), Exhibit 99.2 (supplemental data), and Exhibit 99.3 (earnings call slides). The information is furnished and not deemed filed under Section 18 of the Exchange Act.
Stephen L. Gulis Jr., a director of Independent Bank Corporation (IBCP), received 518.69 phantom stock units on 08/15/2025 that will be settled in common stock upon his retirement. The filing shows those units were recorded under the company’s Deferred Compensation and Stock Purchase Plan for Non-Employee Directors and carry an attributed price of $31.11 per share. After this grant, Mr. Gulis beneficially owns 62,581.55 shares of common stock on a direct basis. The Form 4 is signed by an attorney-in-fact on 10/01/2025.
William J. Boer, identified as a director of Independent Bank Corp /MI/ (ticker IBCP), reported a transaction on 10/01/2025 on SEC Form 4. The filing shows an acquisition of 348 shares of the issuer's common stock at a price of $30.98 per share. The report also discloses 28,124 shares held indirectly by a trust and a reported beneficial ownership figure of 15,754.13 shares following the transaction, with a footnote stating that 127.61 shares were acquired through a dividend reinvestment program during the third quarter. The Form 4 was signed by an attorney-in-fact on behalf of the reporting person.
Michael J. Cok, a director of Independent Bank Corporation (IBCP), reported two accruals of phantom stock units under the company's deferred compensation plan for non-employee directors. The filing shows accruals dated 08/15/2025 (218.68 units at a per-unit reference of $31.11) and 10/01/2025 (412.45 units at $27.88). These phantom units are payable in the issuer's common stock upon Mr. Cok's retirement as a director and increase his reported beneficial ownership to 26,384.11 and then 26,796.56 shares, respectively. The transactions were reported on Form 4 and signed by an attorney-in-fact.
Independent Bank Corporation (IBCP) director Ronia F. Kruse reported two accruals of phantom stock units under the company's Deferred Compensation and Stock Purchase Plan for Non-Employee Directors. On 08/15/2025, 188.19 phantom stock units were credited with an indicated per-unit value of $31.11, resulting in a reported beneficial ownership figure of 22,705.96. On 10/01/2025, 717.31 phantom stock units were credited with an indicated per-unit value of $27.88, raising the reported beneficial ownership to 23,423.27. The filings state these phantom units are to be settled in the issuer's common stock upon the reporting person's retirement as a director.