{"schema_version":"secwatch.filing_event.v1","accession":"0000039311-25-000013","form_type":"8-K","ticker":"IBCP","cik":"0000039311","company_name":"INDEPENDENT BANK CORP /MI/","filed_at":"2025-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.007942+00:00","generated_at":"2026-05-27T17:02:41.854398+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Independent Bank Q4 net income $18.5M ($0.87 EPS) beats year-ago, loan growth 10% annualized","bullets":["Net income $18.5M ($0.87 diluted EPS) vs. $13.7M ($0.65) in Q4 2023; full-year EPS $3.16 vs. $2.79.","Net interest margin expanded to 3.45% from 3.26% YoY; net interest income rose 6.8% to $42.9M.","Loans grew $96.5M (9.7% annualized) from Sept 30 led by 24% annualized commercial loan growth.","Board approved 8% dividend increase in Jan 2025 (12th consecutive annual increase); authorized 1.1M share buyback.","MSR sale planned: letter of intent to sell ~$971M (27.8%) of servicing rights; expected close Q1 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0000039311-25-000013","json":"https://secwatch.observer/filing/0000039311-25-000013.json","markdown":"https://secwatch.observer/filing/0000039311-25-000013.md","text":"https://secwatch.observer/filing/0000039311-25-000013.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/39311/000003931125000013/0000039311-25-000013-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/39311/000003931125000013/ibcp-20250123.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T17:02:41.854398+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}