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Independent Bank Corporation IBCP Federal Home Loan Bank Advances

Federal Home Loan Bank Advances at other companies

Independent Bank Corporation logo
Independent Bank CorporationIBCP
$77M+71.1%
Camden National logo
Camden NationalCAC
$328M+0.9%
Mid Penn Bancorp logo
Mid Penn BancorpMPB
$3.02M-87.1%
Lakeland Financial logo
Lakeland FinancialLKFN
$1.2M—
Equity Bancshares logo
Equity BancsharesEQBK
$347.66M+46.9%
Dime Community Bancshares logo
Dime Community Bancshares DCOM
$435M-14.4%

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:FederalHomeLoanBankAdvances.

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 advances?
Independent Bank Corporation (IBCP) reported federal home loan bank advances of $77M in Q4 2025.
What is the long-term trend for Independent Bank Corporation's federal home loan bank advances?
Over 2 years (2023 to 2025), Independent Bank Corporation's federal home loan bank advances has grown at a 24.1% compound annual growth rate (CAGR), from $50M to $77M.
What does federal home loan bank advances mean?
This represents the aggregate principal amount of advances drawn from the Federal Home Loan Bank, distinct from standard long-term borrowings. It reflects the bank's tactical use of the FHLB facility to manage day-to-day cash flow and interest rate risk.