Welcome to our dedicated page for INDEPENDENT BANK /MI/ 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.
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Independent Bank Corporation, a Michigan-based community bank holding company, operates Independent Bank with 56 branches, one drive-thru, and six loan production offices serving mainly Lower Michigan. As of December 31, 2025, the bank had $4.276 billion in total loans and $4.762 billion in total deposits.
The company remains “well capitalized” under Federal Reserve standards and generates most revenue from interest and fees on loans, which provided 75.7% of 2025 revenue, with other interest income at 9.8% and non-interest income at 14.5%. Risk factors highlight macroeconomic volatility, regulatory changes, liquidity and funding risk, cybersecurity threats, and heavy regulatory oversight.
Additional concerns include estimated $1.176 billion of uninsured deposits (about 24.8% of deposits), commercial real estate loans of $1.055 billion (about 24.7% of the loan portfolio), higher non-performing loans of $23.1 million, and overdraft-related putative class action lawsuits challenging certain fee practices.
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.
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.
Independent Bank Corp. insider James J. Twarozynski, a Senior Vice President, reported a disposal of 383 shares of common stock on February 6, 2026 at $36.60 per share. After this transaction, he directly held 8,684 common shares and indirectly held 4,083.57 shares through an ESOP arrangement.
Independent Bank Corp (IBCP) Executive Vice President Gavin A. Mohr reported an insider transaction involving the company’s common stock. On February 6, 2026, he disposed of 1,105 shares in a transaction coded “F” at a price of $36.6 per share, leaving 24,758 shares owned directly.
He also reports an additional 728.05 shares held indirectly through an ESOP, reflecting his remaining beneficial ownership position after this activity.
Independent Bank Corp. executive Christopher S. Michaels, an Executive Vice President, reported a disposition of 439 shares of common stock on February 6, 2026, at $36.60 per share, coded as transaction type F. Following this, he directly held 11,399 common shares and indirectly held 2,071.65 shares through an employee stock ownership plan (ESOP).
Independent Bank Corp. (IBCP) executive Daniel Larry Jr., Executive Vice President, reported a small stock disposition. On February 6, 2026, he disposed of 851 shares of common stock at $36.60 per share. After this transaction, he directly owned 23,379.46 common shares and indirectly held 3,484.74 shares through an ESOP arrangement.
Independent Bank Corp. executive reports share disposition and holdings update. Executive Vice President Joel F. Rahn reported a Form 4 transaction dated 02/06/2026 involving Independent Bank Corp. (IBCP) common stock. He disposed of 873 shares at $36.60 per share, leaving 26,188.01 shares held directly. He also reported 1,380.14 shares held indirectly through an ESOP. This filing mainly updates his ownership records rather than describing company operating results.
Independent Bank Corp. Executive Vice President Michael Joseph Stodolak reported a small share disposition in company common stock. On February 6, 2026, he disposed of 350 shares at $36.60 per share, leaving him with 15,095 directly held shares. He also reports an additional 4,990.05 shares held indirectly through an ESOP, reflecting his ongoing equity stake in the company.
Independent Bank Corp. executive Stefanie M. Kimball, an Executive Vice President, reported a disposition of 1,114 shares of common stock on February 6, 2026 at $36.60 per share.
After this transaction, she directly owned 63,068 shares of common stock. She also reported indirect holdings of 6,621.14 shares through an ESOP and 230 shares through an IRA.