{"schema_version":"secwatch.filing_event.v1","accession":"0000039311-25-000060","form_type":"8-K","ticker":"IBCP","cik":"0000039311","company_name":"INDEPENDENT BANK CORP /MI/","filed_at":"2025-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:50.969725+00:00","generated_at":"2026-05-23T07:28:22.389448+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Independent Bank Q1 net income $15.6M ($0.74 EPS); TBVPS up 13% YoY","bullets":["Net income $15.6M vs $16.0M prior year; diluted EPS $0.74 vs $0.76.","Net interest margin improved to 3.49% from 3.30% YoY; NII up 8.7%.","Sold $931M of mortgage servicing rights on Jan 31, reducing MSR exposure.","Tangible book value per share $20.87, up 13.2% YoY; capital ratios strong.","Post-quarter share repurchases of 249K shares for $7.2M through April 22."],"urls":{"canonical":"https://secwatch.observer/filing/0000039311-25-000060","json":"https://secwatch.observer/filing/0000039311-25-000060.json","markdown":"https://secwatch.observer/filing/0000039311-25-000060.md","text":"https://secwatch.observer/filing/0000039311-25-000060.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/39311/000003931125000060/0000039311-25-000060-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/39311/000003931125000060/ibcp-20250424.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T07:28:22.389448+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"}