{"schema":"rootz.ai/sec-company/v1","layer":1,"cik":"0000039311","name":"INDEPENDENT BANK CORP /MI/","summary":"Independent Bank Corporation (IBCP) is a Michigan-based bank holding company that provides banking services primarily in Michigan's Lower Peninsula through its wholly-owned subsidiary, Independent Bank. Services include commercial and mortgage loans, installment loans, deposit accounts, interchange/debit card services, mortgage loan servicing, investment and insurance commissions, and treasury management services. The company also operates one mortgage loan production facility in Fairlawn, Ohio.","people":[],"products":[{"name":"Commercial Loans","type":"service","description":"Lending products for commercial customers, a primary driver of asset growth."},{"name":"Mortgage Loans","type":"service","description":"Residential mortgage origination and servicing, including loans sold with servicing retained."},{"name":"Installment Loans","type":"service","description":"Consumer installment lending products offered through Independent Bank."},{"name":"Deposit Accounts","type":"service","description":"Savings, interest-bearing checking, time deposits, and non-interest bearing deposit accounts."},{"name":"Interchange/Debit Card Services","type":"service","description":"Card-based payment services generating interchange income of $13.9 million in 2025."},{"name":"Investment and Insurance Commissions","type":"service","description":"Investment and insurance products generating commission income."},{"name":"Treasury Management Services","type":"service","description":"Commercial treasury management services for business customers."},{"name":"Bank Owned Life Insurance","type":"service","description":"Bank-owned life insurance products generating non-interest income."}],"partnerships":[],"affiliations":[],"origin":{"leaf":"1083f7c8463a115e873db5d29d7a8dd3bd5b20a2f546febb3dd7bc00e4524754","formula":"v2: sha256( sha256(content) || parent || source_accession )","content_sha256":"c5dc3c7eca605b43c0ded7688af13bb889871499038fa5d0c123c30407130ea2","parent":"f3483e78c450587bf4bcf68c37aaadeb265a7e758b87bda71f3b5964107459f3","source":"0000039311-26-000009","chain":"sec.gov/EDGAR (retrieved over TLS, accession recorded) > origin.rootz.global extraction > this response","registry":"origin.rootz.global","verify":"Recompute it: sha256(sha256(<this response body minus the origin block>) || parent || source_accession). 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Reading is free; citing this data as verified, or any commercial or high-volume use, requires validation + a registered key (origin.rootz.global/dashboard). Unvalidated commercial use is unlicensed.","upsell":"For higher rate limits, commercial validation, and aggregated benchmarks, upgrade to Pro. See origin.rootz.global/pricing","tier_recommendation":"pro"}}