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Independent Bank Corporation IBCP Federal Home Loan Bank Advances Interest Rate

Federal Home Loan Bank Advances Interest Rate at other companies

Independent Bank Corporation logo
Independent Bank CorporationIBCP
3.7%-0.8pp
WaFd, Inc. logo
WaFd, Inc.WAFD
2.4%-1.0pp
GBC
Glacier BancorpGBCI
4.6%-0.1pp
Peapack-Gladstone Financial logo
Peapack-Gladstone FinancialPGC
3.9%—
Community Financial System logo
Community Financial SystemCBU
3.4%—
Tompkins Financial logo
Tompkins FinancialTMP
4%-0.5pp

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 / equity0×0.0×

Where this comes from

Reported directly by Independent Bank Corporation in its filing.

Tagged under the XBRL concept us-gaap:FederalHomeLoanBankAdvancesInterestRate.

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 interest rate?
Independent Bank Corporation (IBCP) reported federal home loan bank advances interest rate of 3.7% in Q4 2025.
What is the long-term trend for Independent Bank Corporation's federal home loan bank advances interest rate?
Over 2 years (2023 to 2025), Independent Bank Corporation's federal home loan bank advances interest rate has grown at a -15.4% compound annual growth rate (CAGR), from 5.2% to 3.7%.
What does federal home loan bank advances interest rate mean?
This is the weighted average interest rate applicable to the bank's outstanding Federal Home Loan Bank advances. It provides insight into the bank's cost of wholesale funding and sensitivity to changes in market interest rates.