{"schema_version":"secwatch.filing_event.v1","accession":"0000039311-26-000056","form_type":"8-K","ticker":"IBCP","cik":"0000039311","company_name":"INDEPENDENT BANK CORP /MI/","filed_at":"2026-07-23T10:01:02+00:00","discovered_at":"2026-07-23T10:10:00.171064+00:00","generated_at":"2026-07-23T10:10:41.444587+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 Q2 net income $18.8M ($0.90 EPS) vs $16.9M; NIM 3.71%","bullets":["Q2 2026 net income $18.8M ($0.90 diluted EPS) vs $16.9M ($0.81) in Q2 2025.","Net interest margin 3.71% (up 6 bps linked quarter); net interest income $47.9M (+7.4% YoY).","Non-interest income $15.3M includes $1.6M gain on Visa Class B-2 stock exchange.","Loans grew $105.8M (9.8% annualized) from March 31; core deposits up $38.2M.","Acquisition of HCB Financial Corp closed July 1, 2026, strengthening Michigan market presence."],"urls":{"canonical":"https://secwatch.observer/filing/0000039311-26-000056","json":"https://secwatch.observer/filing/0000039311-26-000056.json","markdown":"https://secwatch.observer/filing/0000039311-26-000056.md","text":"https://secwatch.observer/filing/0000039311-26-000056.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/39311/000003931126000056/0000039311-26-000056-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/39311/000003931126000056/ibcp-20260723.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-23T10:10:41.444587+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"}