---
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"
generated_at: "2026-07-23T10:10:41.444587+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Independent Bank Q2 net income $18.8M ($0.90 EPS) vs $16.9M; NIM 3.71%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000039311-26-000056
- JSON: https://secwatch.observer/filing/0000039311-26-000056.json
- Plain text: https://secwatch.observer/filing/0000039311-26-000056.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.