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Independent Bank Corporation IBCP Net Interest Income

Net Interest Income at other companies

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$27.49M+5.8%

Segments

By segment

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Independent Bank$48.5M+6.2%

Other financials

Income statement

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Revenue$63.2M+13.0%
Net income$18.8M+11.4%
EPS (diluted)$0.90+11.1%

Balance sheet

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Cash & equivalents$165.5M+13.2%
Total debt$7.0M+0.5%
Total equity$528.4M+12.6%
Total assets$5.7B+4.5%

Cash flow

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Operating cash flow$20.3M+5.7%
CapEx$3.6M+56.3%
Free cash flow$16.7M-1.1%

Valuation

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Market cap$854.67M+37.0%
Enterprise value$696.26M+43.6%
P/E11.9×+2.3×
P/S3.6×+0.8×

Profitability

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Net margin30.2%+1.2pp
FCF margin16%-12.2pp

Returns & leverage

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Return on equity14.4%0.0pp
Debt / equity0×0.0×

Where this comes from

Reported directly by Independent Bank Corporation in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

The source filing: Independent Bank Corporation’s 10-Q, filed August 5, 2026.

Filed
Aug 5, 2026, 12:18 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000039311-26-000061
Line itemThree months ended June 30, 2026Three months ended June 30, 2025Six months ended June 30, 2026Six months ended June 30, 2025
Deposits18,32220,46236,71941,417
Other borrowings and subordinated debt and debentures1,0701,8011,9873,305
Total Interest Expense19,39222,26338,70644,722
Net Interest Income47,90244,61594,75788,300
Provision for credit losses2,7171,5003,0792,221
Net Interest Income After Provision for Credit Losses45,18543,11591,67886,079
Non-interest Income
Interchange income3,5763,3906,8106,517

Item 1. Condensed Consolidated Statements of Financial Condition June 30, 2026 and December 31, 20

FAQ

What is Independent Bank Corporation's net interest income?
Independent Bank Corporation (IBCP) reported net interest income of $47.9M in Q2 2026.
How has Independent Bank Corporation's net interest income changed year-over-year?
Independent Bank Corporation's net interest income increased by 7.4% year-over-year, from $44.62M to $47.9M.
What is the long-term trend for Independent Bank Corporation's net interest income?
Over 4 years (2021 to 2025), Independent Bank Corporation's net interest income has grown at a 8.5% compound annual growth rate (CAGR), from $129.77M to $180.02M.
What does net interest income mean?
This is the difference between the interest earned on loans and investments and the interest paid on deposits and other borrowings. It serves as the primary driver of a commercial bank's core profitability and reflects the effectiveness of its asset-liability management.

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