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.
Independent Bank Corp. filings document the regulatory record of a Michigan bank holding company operating through Independent Bank, its state-chartered banking subsidiary. Form 8-K reports cover quarterly results, supplemental earnings materials, investor presentations furnished under Regulation FD, and other material-event disclosures tied to operating performance and capital actions.
Proxy and shareholder-meeting filings describe director elections, auditor ratification, executive compensation, governance practices and voting results. The company's SEC record also includes disclosures on capital structure, risk factors, forward-looking statements, financial-condition reporting and the governance framework for its community banking, mortgage lending, investment, insurance and title-service activities.
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.
Independent Bank Corporation (IBCP) Form 4 discloses that director Christina Keller was credited with phantom stock units under the company's Deferred Compensation and Stock Purchase Plan for Non-Employee Directors. On 08/15/2025, 180.28 phantom units were granted (credited as 180.28 underlying common shares at $31.11 per share), and on 10/01/2025 an additional 717.31 units were credited (credited as 717.31 underlying common shares at $27.88 per share). The reported post-transaction beneficial ownership totals 22,469.05 common shares. The phantom units are to be settled in common stock upon the reporting person's retirement as a director and were accrued under the deferred compensation plan; one accrual formula is based on dividing the accrual amount by 90% of fair market value on the deferral effective date.
Archer Dennis W. Jr, a director of Independent Bank Corporation (IBCP), reported a change in beneficial ownership dated 08/15/2025. The Form 4 records Phantom Stock Units accrued under the bank's Deferred Compensation and Stock Purchase Plan for Non‑Employee Directors; those units are to be settled in the issuer's common stock upon the reporting person's retirement as a director. The filing lists numeric entries including 52.19, a price of $31.11, and 6,297.08 in the reporting table. The form is signed by an attorney‑in‑fact on 10/01/2025.
Insider sale reported by Executive Vice President Stefanie M. Kimball at Independent Bank Corp. (IBCP). The Form 4 shows a sale of 1,400 shares of common stock on 09/03/2025 at a reported price of $32.6443 per share. After the transaction, the filing lists 62,389 shares held directly and identifies indirect holdings of 230 shares held by an IRA and 6,456.85 shares held by an ESOP, as reported on the form. The form is signed by an attorney-in-fact on 09/05/2025.
Independent Bank Corp. (IBCP) Form 144 filing summary: This notice reports a proposed sale of 1,400 shares of common stock, with an aggregate market value of $44,900.24, to be sold on or about 09/03/2025 on the NASD. The shares are being sold by Jennifer Scharphorn through broker Jennifer Scharphorn at 250 Monroe Ave NW, Grand Rapids, MI. The filer acquired the shares on 02/26/2025 via a stock option granted by Stefanie Kimball, receiving 3,447 shares in that transaction and paid with stock on the acquisition date. The filing indicates no securities sold by the person in the prior three months and includes the required representation about material nonpublic information.