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Independent Bank Corporation IBCP Reciprocal deposits included in deposits with no stated maturity

Reciprocal deposits included in deposits with no stated maturity at other companies

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Republic BancorpRBCAA
$68.69M-7.6%
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$252.77M+10.5%
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$2.18B+24.6%
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$81.8M-19.6%
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$135.04M-7.3%
First Commonwealth Financial logo
First Commonwealth FinancialFCF
$4.24B-15.0%

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 ibcp:ReciprocalDepositsIncludedInDepositsWithNoStatedMaturity.

The official record: Independent Bank Corporation’s 10-Q, filed May 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Independent Bank Corporation's reciprocal deposits included in deposits with no stated maturity?
Independent Bank Corporation (IBCP) reported reciprocal deposits included in deposits with no stated maturity of $915.33M in Q1 2026.
How has Independent Bank Corporation's reciprocal deposits included in deposits with no stated maturity changed year-over-year?
Independent Bank Corporation's reciprocal deposits included in deposits with no stated maturity increased by 14.0% year-over-year, from $802.94M to $915.33M.
What is the long-term trend for Independent Bank Corporation's reciprocal deposits included in deposits with no stated maturity?
Over 5 years (2020 to 2025), Independent Bank Corporation's reciprocal deposits included in deposits with no stated maturity has grown at a 10.7% compound annual growth rate (CAGR), from $518.4M to $862.7M.
What does reciprocal deposits included in deposits with no stated maturity mean?
This metric measures the portion of reciprocal deposits that are classified as having no stated maturity, such as demand deposits or savings accounts. Reciprocal deposits allow banks to provide full FDIC insurance coverage to customers by exchanging deposits with other institutions. This figure provides insight into the stability and liquidity profile of the bank's core deposit base.