{"schema_version":"secwatch.filing_event.v1","accession":"0000039311-26-000004","form_type":"8-K","ticker":"IBCP","cik":"0000039311","company_name":"INDEPENDENT BANK CORP /MI/","filed_at":"2026-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.402950+00:00","generated_at":"2026-05-16T09:05:40.564362+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Independent Bank Corp Q4 EPS $0.89, net income $18.6M; board authorizes 5% share repurchase","bullets":["Net income $18.6M ($0.89 diluted) vs $18.5M ($0.87) prior year; FY2025 net income $68.5M ($3.27).","Net interest margin 3.62% in Q4, up 8 bps linked quarter and 17 bps YoY; net interest income $46.4M.","Loan growth $78M (7.4% annualized) from Sep 30; deposits up $57.1M (4.8% annualized).","Tangible book value per share $23.05, up 13.3% YoY; board authorized 1.1M share repurchase (~5% outstanding).","Non-performing loans increased to $23.1M (0.54% of loans) from $6.0M; allowance 1.48% of loans."],"urls":{"canonical":"https://secwatch.observer/filing/0000039311-26-000004","json":"https://secwatch.observer/filing/0000039311-26-000004.json","markdown":"https://secwatch.observer/filing/0000039311-26-000004.md","text":"https://secwatch.observer/filing/0000039311-26-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/39311/000003931126000004/0000039311-26-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/39311/000003931126000004/ibcp-20260122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:05:40.564362+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"}