Independent Bank Corporation IBCP Reserve for unfunded lending commitments
Reserve for unfunded lending commitments at other companies
Other financials
Where this comes from
Reported directly by Independent Bank Corporation in its filing.
Tagged under the XBRL concept ibcp:DeferredTaxAssetsReserveForUnfundedLendingCommitments.
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 reserve for unfunded lending commitments?
- Independent Bank Corporation (IBCP) reported reserve for unfunded lending commitments of $1.14M in Q4 2025.
- How has Independent Bank Corporation's reserve for unfunded lending commitments changed year-over-year?
- Independent Bank Corporation's reserve for unfunded lending commitments increased by 5.9% year-over-year, from $1.08M to $1.14M.
- What is the long-term trend for Independent Bank Corporation's reserve for unfunded lending commitments?
- Over 5 years (2020 to 2025), Independent Bank Corporation's reserve for unfunded lending commitments has grown at a 24.7% compound annual growth rate (CAGR), from $379K to $1.14M.
- What does reserve for unfunded lending commitments mean?
- This represents the deferred tax asset related to the reserve established for potential losses on unfunded lending commitments. Since these reserves are often not immediately deductible for tax purposes until the loss is realized, this asset captures the future tax benefit. It serves as a proxy for the bank's conservative approach to managing credit risk on off-balance sheet commitments.