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Independent Bank (Ionia MI) (IBCP)

Watchlist

33.550
-0.130-0.39%

Close May 12 16:00 ET

33.550
0.0000.00%

Post 17:42 ET

691.34MMarket Cap10.04P/E (TTM)

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

Independent Bank (Ionia MI) (IBCP) Income Statement

Quarterly+Annual

YOY

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(Q1)Mar 31, 2026

(FY)Dec 31, 2025

(Q4)Dec 31, 2025

(Q3)Sep 30, 2025

(Q2)Jun 30, 2025

(Q1)Mar 31, 2025

(FY)Dec 31, 2024

(Q4)Dec 31, 2024

(Q3)Sep 30, 2024

(Q2)Jun 30, 2024

Total revenue

8.94%56.95M

1.17%218.33M

-6.16%56.53M

11.95%55.46M

-1.33%54.07M

2.04%52.27M

7.64%215.8M

26.48%60.24M

-7.22%49.54M

5.44%54.8M

Net interest income

7.26%46.86M

8.28%180.02M

8.17%46.35M

8.38%45.36M

7.91%44.62M

8.68%43.69M

6.34%166.25M

6.83%42.85M

6.16%41.85M

7.81%41.35M

-Net interest income

0.04%66.17M

1.11%269.74M

0.67%67.43M

1.40%69.29M

0.81%66.88M

1.56%66.14M

11.31%266.78M

2.47%66.98M

9.45%68.33M

14.48%66.34M

-Interest income from loans and lease

2.56%59.25M

4.48%238.83M

3.19%60.21M

4.99%61.33M

4.84%59.54M

4.95%57.77M

15.61%228.59M

7.39%58.35M

13.60%58.41M

19.10%56.79M

-Interest income from securities

-17.38%6.92M

-18.87%25.95M

-6.60%2.26M

-19.74%7.97M

-23.13%7.34M

-16.93%8.38M

-12.43%31.98M

-56.71%2.42M

-9.89%9.92M

-6.98%9.55M

-Other interest income

----

-20.17%4.96M

----

14.35%6.21M

----

-Total interest expense

-14.00%19.31M

-10.75%89.72M

-12.67%21.07M

-9.63%23.93M

-10.92%22.26M

-9.91%22.46M

20.61%100.53M

-4.45%24.13M

15.11%26.48M

27.52%24.99M

-Interest expense for deposit

-12.21%18.4M

-9.92%83.5M

-10.81%20.11M

-10.18%21.97M

-10.55%20.46M

-8.13%20.96M

23.47%92.69M

-2.44%22.55M

17.93%24.46M

31.01%22.88M

-Interest expense for long term debt and capital securities

-39.03%917K

-20.55%6.22M

-39.15%962K

-3.02%1.96M

-14.89%1.8M

-29.02%1.5M

-5.31%7.83M

-26.09%1.58M

-10.79%2.02M

-0.98%2.12M

Non interest income

17.53%10.09M

-22.69%38.31M

-41.48%10.17M

31.37%10.1M

-29.73%9.45M

-22.15%8.59M

12.24%49.55M

131.42%17.38M

-44.98%7.69M

-1.23%13.45M

-Total premiums earned

8.42%322K

42.33%1.19M

14.18%306K

46.19%288K

57.45%296K

64.09%297K

75.95%834K

90.07%268K

58.87%197K

91.84%188K

-Fees and commissions

60.83%6.68M

-26.56%24.42M

-52.21%5.97M

84.51%7.2M

-22.73%5.75M

-47.70%4.15M

12.27%33.25M

355.43%12.5M

-61.54%3.9M

-25.66%7.44M

-Other non interest income

-13.13%1.82M

-3.29%6.25M

-12.26%2.57M

-23.02%1.22M

1.48%1.72M

20.89%2.1M

-5.84%6.47M

9.05%2.93M

-1.74%1.58M

16.06%1.69M

-Gain loss on sale of assets

-37.86%1.27M

-28.31%6.46M

-21.58%1.33M

-30.40%1.4M

-59.07%1.69M

74.12%2.04M

25.17%9.01M

-12.92%1.69M

-4.24%2.01M

100.97%4.13M

Credit losses provision

50.85%-349K

-43.34%-5.91M

6.83%-1.72M

-31.35%-1.99M

-1,028.57%-1.11M

-647.37%-710K

38.04%-4.12M

-841.37%-1.85M

16.05%-1.51M

103.48%119K

Non interest expense

6.57%34.57M

1.94%131.13M

-3.16%34.5M

5.07%32.3M

1.68%32.29M

3.59%32.43M

7.06%128.63M

19.03%35.62M

2.65%30.74M

4.63%31.75M

Occupancy and equipment

6.40%3.31M

4.03%12.03M

6.49%3.07M

6.87%3.02M

0.18%2.84M

2.64%3.11M

-0.82%11.57M

-0.89%2.88M

-2.52%2.83M

2.16%2.83M

Professional expense and contract services expense

23.38%591K

-4.60%2.45M

-7.30%787K

-0.73%682K

-8.09%500K

-1.44%479K

16.21%2.57M

45.13%849K

26.52%687K

15.01%544K

Selling and administrative expenses

8.64%24.1M

0.46%92.26M

-1.53%24.67M

4.66%22.53M

-0.44%22.87M

-0.42%22.19M

7.93%91.83M

15.58%25.05M

2.46%21.53M

5.46%22.97M

-General and administrative expense

7.35%22.89M

0.31%89.05M

-0.74%23.68M

5.05%22.01M

-0.66%22.04M

-2.12%21.33M

7.06%88.77M

14.71%23.86M

1.43%20.95M

3.90%22.18M

-Selling and marketing expense

40.53%1.21M

5.00%3.21M

-17.28%991K

-9.47%526K

5.71%833K

75.36%861K

41.25%3.06M

36.29%1.2M

61.39%581K

82.83%788K

Depreciation amortization depletion

-5.74%115K

-5.62%487K

-5.43%122K

-6.20%121K

-5.43%122K

-5.67%516K

--129K

-5.84%129K

-Depreciation and amortization

-5.74%115K

-5.62%487K

-5.43%122K

-6.20%121K

-5.43%122K

-5.67%516K

--129K

-5.84%129K

Other non-interest expense

-1.36%6.45M

7.90%23.9M

-12.82%5.85M

6.75%5.95M

12.91%5.96M

21.39%6.54M

7.29%22.15M

59.32%6.71M

1.40%5.57M

1.79%5.28M

Income from associates and other participating interests

Special income (charges)

-1.8M

Less:Restructuring and mergern&acquisition

--300K

----

--0

----

Less:Other special charges

--1.5M

----

Other non-operating income (expenses)

Income before tax

5.77%20.23M

-2.11%81.29M

-10.79%20.31M

22.47%21.18M

-10.74%20.68M

-3.51%19.13M

12.72%83.05M

26.86%22.77M

-20.14%17.29M

27.27%23.17M

Income tax

-5.12%3.36M

-21.57%12.75M

-59.62%1.74M

5.54%3.67M

-18.05%3.8M

-7.68%3.54M

11.27%16.26M

2.45%4.31M

-15.28%3.48M

35.93%4.64M

Earnings from equity interest net of tax

Net income

8.24%16.88M

2.62%68.54M

0.60%18.57M

26.73%17.5M

-8.91%16.88M

-2.51%15.59M

13.07%66.79M

34.33%18.46M

-21.28%13.81M

25.27%18.53M

Net Income continuous operations

8.24%16.88M

2.62%68.54M

0.60%18.57M

26.73%17.5M

-8.91%16.88M

-2.51%15.59M

13.07%66.79M

34.33%18.46M

-21.28%13.81M

25.27%18.53M

Minority interest income

Net income attributable to the parent company

8.24%16.88M

2.62%68.54M

0.60%18.57M

26.73%17.5M

-8.91%16.88M

-2.51%15.59M

13.07%66.79M

34.33%18.46M

-21.28%13.81M

25.27%18.53M

Preferred stock dividends

Other preferred stock dividend

Net income attributable to common stockholders

8.24%16.88M

2.62%68.54M

0.60%18.57M

26.73%17.5M

-8.91%16.88M

-2.51%15.59M

13.07%66.79M

34.33%18.46M

-21.28%13.81M

25.27%18.53M

Basic earnings per share

10.81%0.82

3.12%3.3

2.27%0.9

28.79%0.85

-8.99%0.81

-3.90%0.74

13.48%3.2

33.33%0.88

-21.43%0.66

27.14%0.89

Diluted earnings per share

9.46%0.81

3.48%3.27

2.30%0.89

29.23%0.84

-7.95%0.81

-2.63%0.74

13.26%3.16

33.85%0.87

-21.69%0.65

25.71%0.88

Dividend per share

7.69%0.28

8.33%1.04

8.33%0.26

4.35%0.96

4.35%0.24

Currency Unit

USD

Accounting Standards

US-GAAP

Audit Opinions

Unqualified Opinion with Explanatory Notes

	(Q1)Mar 31, 2026	(FY)Dec 31, 2025	(Q4)Dec 31, 2025	(Q3)Sep 30, 2025	(Q2)Jun 30, 2025	(Q1)Mar 31, 2025	(FY)Dec 31, 2024	(Q4)Dec 31, 2024	(Q3)Sep 30, 2024	(Q2)Jun 30, 2024
Total revenue	8.94%56.95M	1.17%218.33M	-6.16%56.53M	11.95%55.46M	-1.33%54.07M	2.04%52.27M	7.64%215.8M	26.48%60.24M	-7.22%49.54M	5.44%54.8M
Net interest income	7.26%46.86M	8.28%180.02M	8.17%46.35M	8.38%45.36M	7.91%44.62M	8.68%43.69M	6.34%166.25M	6.83%42.85M	6.16%41.85M	7.81%41.35M
-Net interest income	0.04%66.17M	1.11%269.74M	0.67%67.43M	1.40%69.29M	0.81%66.88M	1.56%66.14M	11.31%266.78M	2.47%66.98M	9.45%68.33M	14.48%66.34M
-Interest income from loans and lease	2.56%59.25M	4.48%238.83M	3.19%60.21M	4.99%61.33M	4.84%59.54M	4.95%57.77M	15.61%228.59M	7.39%58.35M	13.60%58.41M	19.10%56.79M
-Interest income from securities	-17.38%6.92M	-18.87%25.95M	-6.60%2.26M	-19.74%7.97M	-23.13%7.34M	-16.93%8.38M	-12.43%31.98M	-56.71%2.42M	-9.89%9.92M	-6.98%9.55M
-Other interest income	----	-20.17%4.96M	----	----	----	----	14.35%6.21M	----	----	----
-Total interest expense	-14.00%19.31M	-10.75%89.72M	-12.67%21.07M	-9.63%23.93M	-10.92%22.26M	-9.91%22.46M	20.61%100.53M	-4.45%24.13M	15.11%26.48M	27.52%24.99M
-Interest expense for deposit	-12.21%18.4M	-9.92%83.5M	-10.81%20.11M	-10.18%21.97M	-10.55%20.46M	-8.13%20.96M	23.47%92.69M	-2.44%22.55M	17.93%24.46M	31.01%22.88M
-Interest expense for long term debt and capital securities	-39.03%917K	-20.55%6.22M	-39.15%962K	-3.02%1.96M	-14.89%1.8M	-29.02%1.5M	-5.31%7.83M	-26.09%1.58M	-10.79%2.02M	-0.98%2.12M
Non interest income	17.53%10.09M	-22.69%38.31M	-41.48%10.17M	31.37%10.1M	-29.73%9.45M	-22.15%8.59M	12.24%49.55M	131.42%17.38M	-44.98%7.69M	-1.23%13.45M
-Total premiums earned	8.42%322K	42.33%1.19M	14.18%306K	46.19%288K	57.45%296K	64.09%297K	75.95%834K	90.07%268K	58.87%197K	91.84%188K
-Fees and commissions	60.83%6.68M	-26.56%24.42M	-52.21%5.97M	84.51%7.2M	-22.73%5.75M	-47.70%4.15M	12.27%33.25M	355.43%12.5M	-61.54%3.9M	-25.66%7.44M
-Other non interest income	-13.13%1.82M	-3.29%6.25M	-12.26%2.57M	-23.02%1.22M	1.48%1.72M	20.89%2.1M	-5.84%6.47M	9.05%2.93M	-1.74%1.58M	16.06%1.69M
-Gain loss on sale of assets	-37.86%1.27M	-28.31%6.46M	-21.58%1.33M	-30.40%1.4M	-59.07%1.69M	74.12%2.04M	25.17%9.01M	-12.92%1.69M	-4.24%2.01M	100.97%4.13M
Credit losses provision	50.85%-349K	-43.34%-5.91M	6.83%-1.72M	-31.35%-1.99M	-1,028.57%-1.11M	-647.37%-710K	38.04%-4.12M	-841.37%-1.85M	16.05%-1.51M	103.48%119K
Non interest expense	6.57%34.57M	1.94%131.13M	-3.16%34.5M	5.07%32.3M	1.68%32.29M	3.59%32.43M	7.06%128.63M	19.03%35.62M	2.65%30.74M	4.63%31.75M
Occupancy and equipment	6.40%3.31M	4.03%12.03M	6.49%3.07M	6.87%3.02M	0.18%2.84M	2.64%3.11M	-0.82%11.57M	-0.89%2.88M	-2.52%2.83M	2.16%2.83M
Professional expense and contract services expense	23.38%591K	-4.60%2.45M	-7.30%787K	-0.73%682K	-8.09%500K	-1.44%479K	16.21%2.57M	45.13%849K	26.52%687K	15.01%544K
Selling and administrative expenses	8.64%24.1M	0.46%92.26M	-1.53%24.67M	4.66%22.53M	-0.44%22.87M	-0.42%22.19M	7.93%91.83M	15.58%25.05M	2.46%21.53M	5.46%22.97M
-General and administrative expense	7.35%22.89M	0.31%89.05M	-0.74%23.68M	5.05%22.01M	-0.66%22.04M	-2.12%21.33M	7.06%88.77M	14.71%23.86M	1.43%20.95M	3.90%22.18M
-Selling and marketing expense	40.53%1.21M	5.00%3.21M	-17.28%991K	-9.47%526K	5.71%833K	75.36%861K	41.25%3.06M	36.29%1.2M	61.39%581K	82.83%788K
Depreciation amortization depletion	-5.74%115K	-5.62%487K	-5.43%122K	-6.20%121K	-5.43%122K	-5.43%122K	-5.67%516K	--129K	--129K	-5.84%129K
-Depreciation and amortization	-5.74%115K	-5.62%487K	-5.43%122K	-6.20%121K	-5.43%122K	-5.43%122K	-5.67%516K	--129K	--129K	-5.84%129K
Other non-interest expense	-1.36%6.45M	7.90%23.9M	-12.82%5.85M	6.75%5.95M	12.91%5.96M	21.39%6.54M	7.29%22.15M	59.32%6.71M	1.40%5.57M	1.79%5.28M
Income from associates and other participating interests
Special income (charges)	-1.8M					0
Less:Restructuring and mergern&acquisition	--300K	----	----	----	----	--0	----	----	----	----
Less:Other special charges	--1.5M	----	----	----	----	----	----	----	----	----
Other non-operating income (expenses)
Income before tax	5.77%20.23M	-2.11%81.29M	-10.79%20.31M	22.47%21.18M	-10.74%20.68M	-3.51%19.13M	12.72%83.05M	26.86%22.77M	-20.14%17.29M	27.27%23.17M
Income tax	-5.12%3.36M	-21.57%12.75M	-59.62%1.74M	5.54%3.67M	-18.05%3.8M	-7.68%3.54M	11.27%16.26M	2.45%4.31M	-15.28%3.48M	35.93%4.64M
Earnings from equity interest net of tax
Net income	8.24%16.88M	2.62%68.54M	0.60%18.57M	26.73%17.5M	-8.91%16.88M	-2.51%15.59M	13.07%66.79M	34.33%18.46M	-21.28%13.81M	25.27%18.53M
Net Income continuous operations	8.24%16.88M	2.62%68.54M	0.60%18.57M	26.73%17.5M	-8.91%16.88M	-2.51%15.59M	13.07%66.79M	34.33%18.46M	-21.28%13.81M	25.27%18.53M
Minority interest income
Net income attributable to the parent company	8.24%16.88M	2.62%68.54M	0.60%18.57M	26.73%17.5M	-8.91%16.88M	-2.51%15.59M	13.07%66.79M	34.33%18.46M	-21.28%13.81M	25.27%18.53M
Preferred stock dividends
Other preferred stock dividend
Net income attributable to common stockholders	8.24%16.88M	2.62%68.54M	0.60%18.57M	26.73%17.5M	-8.91%16.88M	-2.51%15.59M	13.07%66.79M	34.33%18.46M	-21.28%13.81M	25.27%18.53M
Basic earnings per share	10.81%0.82	3.12%3.3	2.27%0.9	28.79%0.85	-8.99%0.81	-3.90%0.74	13.48%3.2	33.33%0.88	-21.43%0.66	27.14%0.89
Diluted earnings per share	9.46%0.81	3.48%3.27	2.30%0.89	29.23%0.84	-7.95%0.81	-2.63%0.74	13.26%3.16	33.85%0.87	-21.69%0.65	25.71%0.88
Dividend per share	7.69%0.28	8.33%1.04	8.33%0.26	8.33%0.26	8.33%0.26	8.33%0.26	4.35%0.96	4.35%0.24	4.35%0.24	4.35%0.24
Currency Unit	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD
Accounting Standards	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP
Audit Opinions	--	Unqualified Opinion with Explanatory Notes	--	--	--	--	Unqualified Opinion with Explanatory Notes	--	--	--

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