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Independent Bank Corporation IBCP FHLB advances borrowing capacity

FHLB advances borrowing capacity at other companies

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$1.29B+31.7%

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×

Where this comes from

Reported directly by Independent Bank Corporation in its filing.

Tagged under the XBRL concept us-gaap:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds.

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 FHLB advances borrowing capacity?
Independent Bank Corporation (IBCP) reported FHLB advances borrowing capacity of $750M in Q4 2025.
How has Independent Bank Corporation's FHLB advances borrowing capacity changed year-over-year?
Independent Bank Corporation's FHLB advances borrowing capacity decreased by 30.6% year-over-year, from $1.08B to $750M.
What is the long-term trend for Independent Bank Corporation's FHLB advances borrowing capacity?
Over 5 years (2020 to 2025), Independent Bank Corporation's FHLB advances borrowing capacity has grown at a -0.6% compound annual growth rate (CAGR), from $772.8M to $750M.
What does FHLB advances borrowing capacity mean?
This metric quantifies the remaining borrowing capacity available to the bank through the Federal Home Loan Bank system based on current collateral pledges. It serves as a key indicator of the bank's contingent liquidity and its ability to access emergency or supplemental funding.