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Independent Bank Corporation IBCP Time deposits

Time deposits at other companies

Financial Institutions logo
Financial InstitutionsFISI
$1.66B+2.1%
Great Southern Bancorp logo
Great Southern BancorpGSBC
$671.42M-11.9%
Independent Bank Corp logo
Independent Bank CorpINDB
$3.26B+20.1%
Equity Bancshares logo
Equity BancsharesEQBK
$1.52B+80.8%
Five Star Bancorp logo
Five Star BancorpFSBC
$100K-97.5%
Customers Bancorp logo
Customers BancorpCUBI
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Other financials

Income statement

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Revenue$58.9M+8.9%
Net income$16.9M+8.2%
EPS (diluted)$0.81+9.5%

Balance sheet

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Cash & equivalents$174.9M+36.5%
Total debt$7.2M+13.4%
Total equity$510.6M+9.3%
Total assets$5.6B+4.3%

Cash flow

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Operating cash flow-$9.2M-148%
CapEx$4.6M+311%
Free cash flow-$13.8M-176%

Valuation

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Market cap$733.37M+16.4%
Enterprise value$565.68M+11.3%
P/E10.5×+1.0×
P/S3.2×+0.4×

Profitability

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Net margin30.3%+0.7pp
FCF margin16.6%-7.1pp

Returns & leverage

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Return on equity14.3%-0.8pp
Debt / equity0×0.0×

Where this comes from

Reported directly by Independent Bank Corporation in its filing.

Tagged under the XBRL concept us-gaap:InterestBearingDomesticDepositTimeDeposits.

The official record: Independent Bank Corporation’s 10-Q, filed May 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Independent Bank Corporation's time deposits?
Independent Bank Corporation (IBCP) reported time deposits of $657.04M in Q1 2026.
How has Independent Bank Corporation's time deposits changed year-over-year?
Independent Bank Corporation's time deposits increased by 3.4% year-over-year, from $635.17M to $657.04M.
What is the long-term trend for Independent Bank Corporation's time deposits?
Over 5 years (2020 to 2025), Independent Bank Corporation's time deposits has grown at a 18.2% compound annual growth rate (CAGR), from $287.4M to $662.86M.
What does time deposits mean?
This represents the total balance of interest-bearing deposit accounts with a specified maturity date, such as certificates of deposit. These deposits are a primary source of funding for the bank's lending activities and are generally more stable than demand deposits. The cost and volume of these deposits are key drivers of the bank's net interest margin.