{"schema_version":"secwatch.filing_event.v1","accession":"0000039311-23-000071","form_type":"8-K","ticker":"IBCP","cik":"0000039311","company_name":"INDEPENDENT BANK CORP /MI/","filed_at":"2023-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.343507+00:00","generated_at":"2026-06-13T03:31:05.356860+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Independent Bank Corp Q2 net income $14.8M ($0.70 EPS); loans up 13.9% annualized","bullets":["Q2 net income $14.8M ($0.70 diluted) vs $13.0M ($0.61) in Q2 2022.","Net interest income $38.4M, up 6.3% YoY; net interest margin 3.26% unchanged.","Loans grew $121.3M (13.9% annualized) to $3.63B; deposits up $108.6M.","Non-performing loans 0.11% of portfolio; allowance for credit losses 1.49%.","Six-month net income $27.8M ($1.31 diluted) vs $31.0M ($1.45) year-ago."],"urls":{"canonical":"https://secwatch.observer/filing/0000039311-23-000071","json":"https://secwatch.observer/filing/0000039311-23-000071.json","markdown":"https://secwatch.observer/filing/0000039311-23-000071.md","text":"https://secwatch.observer/filing/0000039311-23-000071.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/39311/000003931123000071/0000039311-23-000071-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/39311/000003931123000071/ibcp-20230725.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T03:31:05.356860+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"786980158a6c44beb4e82907ffc9d2564757ed9d","claim":"INDEPENDENT BANK CORP /MI/ reported second quarter 2023 results: net income $14.8 million, EPS $0.70 per diluted share.","evidence_excerpt":"Independent Bank Corporation (NASDAQ: IBCP) reported second quarter 2023 net income of $14.8 million, or $0.70 per diluted share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/39311/000003931123000071/0000039311-23-000071-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"second quarter 2023"},{"label":"Net income","value":"$14.8 million"},{"label":"EPS","value":"$0.70 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"d4ea78d96cb030c652b697e80f590a90df71565a","claim":"INDEPENDENT BANK CORP /MI/ reported the six months ended June 30, 2023 results: net income $27.8 million, EPS $1.31 per diluted share.","evidence_excerpt":"For the six months ended June 30, 2023, the Company reported net income of $27.8 million, or $1.31 per diluted share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/39311/000003931123000071/0000039311-23-000071-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the six months ended June 30, 2023"},{"label":"Net income","value":"$27.8 million"},{"label":"EPS","value":"$1.31 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}