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Independent Bank Corporation IBCP Federal Home Loan Bank Borrowings

Federal Home Loan Bank Borrowings at other companies

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$900M-12.5%
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Independent Bank Corp logo
Independent Bank CorpINDB

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$733.17M+16.4%
Enterprise value$565.47M+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×

Where this comes from

Reported directly by Independent Bank Corporation in its filing.

Tagged under the XBRL concept us-gaap:AdvancesFromFederalHomeLoanBanks.

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

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Questions, answered.

What is Independent Bank Corporation's federal home loan bank borrowings?
Independent Bank Corporation (IBCP) reported federal home loan bank borrowings of $77M in Q4 2025.
How has Independent Bank Corporation's federal home loan bank borrowings changed year-over-year?
Independent Bank Corporation's federal home loan bank borrowings increased by 71.1% year-over-year, from $45M to $77M.
What is the long-term trend for Independent Bank Corporation's federal home loan bank borrowings?
Over 5 years (2020 to 2025), Independent Bank Corporation's federal home loan bank borrowings has grown at a 20.7% compound annual growth rate (CAGR), from $30M to $77M.
What does federal home loan bank borrowings mean?
This represents the total outstanding balance of advances and borrowings obtained from the Federal Home Loan Bank system. These funds are typically secured by the bank's mortgage-related assets and serve as a critical source of wholesale liquidity for funding operations and lending activities.