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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$36.64-0.9%Stored close · as of Nov 10, 2026

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Contents

Item 4. MINE SAFETY DISCLOSURES

ADDITIONAL ITEM -EXECUTIVE OFFICERS

Our executive officers are appointed annually by our Board of Directors at the meeting of directors preceding the Annual Meeting of Shareholders. There are no family relationships among these officers and/or our directors nor any arrangement or understanding between any of these officers and any other person pursuant to which the officer was appointed.

The following sets forth certain information with respect to our executive officers at March 6, 2026.

Name (Age)PositionFirst electedas an executiveofficer
William B. Kessel (61)President, Chief Executive Officer and Director2004
Gavin A. Mohr (42)Executive Vice President and Chief Financial Officer2020
Stefanie M. Kimball (66)Executive Vice President and Chief Risk Officer2007
Joel Rahn (59)Executive Vice President, Commercial Banking2021
Larry R. Daniel (62)Executive Vice President, Operations and Retail Banking(1)2017
Patrick J. Ervin (60)Executive Vice President, Mortgage Banking2017
Christopher S. Michaels (59)Executive Vice President, Chief Operating Officer(2)2025
Michael J. Stodolak (65)Executive Vice President, Retail Banking(3)2026
James J. Twarozynski (60)Senior Vice President and Chief Accounting Officer2002

(1)Mr. Daniel is retiring from Independent Bank in March 2026.

(2)Mr. Michaels joined Independent Bank in February of 2012 as a part of our information and technology team and was promoted to Senior Vice President and Chief Information Officer in January, 2020. He was promoted to Executive Vice President and Chief Operating Officer in January, 2025.

(3)Mr. Stodolak joined Independent Bank in September of 2000 and has been leading the Bank’s retail network and consumer lending program. He was promoted to Executive Vice President, Retail Banking on January 1, 2026.

Part II

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