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INDEPENDENT BANK CORP /MI/

For the period ended Dec 31, 2025. Filed Mar 6, 2026.

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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Mar 6, 2026

IBCP$36.99+1.9%Stored close · as of Nov 9, 2026

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Contents

Item 16. FORM 10-K SUMMARY

SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

INDEPENDENT BANK CORPORATION

s/Gavin A. MohrBy: Gavin A. Mohr, Executive Vice President and Chief Financial Officer (Principal Financial Officer)March 6, 2026

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the dates indicated. Each director whose signature appears below hereby appoints William B. Kessel and Gavin A. Mohr and each of them severally, as his or her attorney-in-fact, to sign in his or her name and on his or her behalf, as a director, and to file with the Securities and Exchange Commission any and all amendments to this Annual Report on Form 10-K.

William B. Kessel, President, Chief Executive Officer, and Director (Principal Executive Officer)s/William B. KesselMarch 6, 2026
Gavin A. Mohr, Executive Vice President and Chief Financial Officer (Principal Financial Officer)s/Gavin A. MohrMarch 6, 2026
James J. Twarozynski, Senior Vice President and Chief Accounting Officer (Principal Accounting Officer)s/James J. TwarozynskiMarch 6, 2026
Stephen L. Gulis, Jr. Chairperson and Directors/Stephen L. Gulis, Jr.March 6, 2026
Dennis W. Archer, Jr., Directors/Dennis W. Archer, Jr.March 6, 2026
Terance L. Beia, Directors/Terance L. BeiaMarch 6, 2026
William J. Boer, Directors/William J. BoerMarch 6, 2026
Joan A. Budden, Directors/Joan A. BuddenMarch 6, 2026
Michael J. Cok, Directors/Michael J. CokMarch 6, 2026
Christina L. Keller, Directors/Christina L. KellerMarch 6, 2026
William B. Kessel, Directors/William B. KesselMarch 6, 2026
Ronia F. Kruse, Directors/Ronia F. KruseMarch 6, 2026
Michael G. Wooldridges/Michael G. WooldridgeMarch 6, 2026
ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.