What does federal home loan bank and other borrowings mean?

This metric aggregates funding obtained from the Federal Home Loan Bank (FHLB) and other external wholesale borrowing sources. It serves as a critical secondary liquidity tool to supplement core deposit funding for loan growth or liquidity needs. High reliance on these borrowings may indicate tighter liquidity conditions or a strategic choice to leverage the balance sheet.

Independent Bank Corp INDB Federal Home Loan Bank and other borrowings

Federal Home Loan Bank and other borrowings at other companies

HOM

Home BancSharesHOMB

$500.25M-16.7%

Old National BancorpONB

$6.03B+33.5%

TFS FinancialTFSL

$5.14B+12.1%

Ameriprise FinancialAMP

$200M-0.5%

Axos FinancialAX

$1.81B+2,908%

Fulton FinancialFULT

$200M-73.3%

Other financials

Income statement

See full

Revenue$252.7M+41.9%

Net income$79.9M+79.9%

EPS (diluted)$1.63+56.7%

Balance sheet

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Cash & equivalents$729.0M+1.7%

Total debt$776.3M-9.7%

Total equity$3.5B+16.8%

Total assets$24.8B+24.6%

Cash flow

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Operating cash flow$117.2M+779%

CapEx$5.6M+176%

Free cash flow$111.6M+887%

Valuation

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Market cap$3.91B+36.8%

Enterprise value$3.96B+31.6%

P/E16.3×+1.1×

P/S4.2×+0.1×

Profitability

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Net margin25.8%-1.1pp

FCF margin36.4%+11.5pp

Returns & leverage

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Return on equity7.3%+0.9pp

Debt / equity0.2×-0.1×

Where this comes from

Reported directly by Independent Bank Corp in its filing.

Tagged under the XBRL concept indb:TotalFHLBAndOtherBorrowings.

The official record: Independent Bank Corp’s 10-K, filed February 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Independent Bank Corp's federal home loan bank and other borrowings?: Independent Bank Corp (INDB) reported federal home loan bank and other borrowings of $416.55M in Q4 2025.
What does federal home loan bank and other borrowings mean?: This metric aggregates funding obtained from the Federal Home Loan Bank (FHLB) and other external wholesale borrowing sources. It serves as a critical secondary liquidity tool to supplement core deposit funding for loan growth or liquidity needs. High reliance on these borrowings may indicate tighter liquidity conditions or a strategic choice to leverage the balance sheet.