---
title: "Independent Bank-Mich (IBCP.US) — Financial Reports"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/IBCP.US/norm.md"
symbol: "IBCP.US"
name: "Independent Bank-Mich"
parent: "https://longbridge.com/en/quote/IBCP.US.md"
datetime: "2026-05-21T20:55:23.383Z"
locales:
  - [en](https://longbridge.com/en/quote/IBCP.US/norm.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/IBCP.US/norm.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/IBCP.US/norm.md)
---

# Independent Bank-Mich (IBCP.US) — Financial Reports

## Income Statement (USD)

| Indicator | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
| --- | --- | --- | --- | --- | --- |
| EPS | 0.8100 | 0.8905 | 0.8400 | 0.8100 | 0.7400 |
| ROE | 13.32% | 14.95% | 14.58% | 14.42% | 13.53% |
| Revenue | 58.54M | 56.39M | 55.31M | 54.44M | 53.39M |
| Net income | 16.88M | 18.57M | 17.50M | 16.88M | 15.59M |
| NIM | 3.65% | - | 3.54% | 3.58% | 3.49% |
| Structure | 46.85M | 46.35M | 45.36M | 44.62M | 43.69M |
| Provision | 58.90M | 58.31M | 57.30M | 55.94M | 54.11M |

## Balance Sheet (USD)

| Indicator | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
| --- | --- | --- | --- | --- | --- |
| A&L | 5.56B | 5.51B | 5.49B | 5.42B | 5.33B |
| Leverage | 10.89 | 10.95 | 11.19 | 11.55 | 11.40 |
| BVPS | 24.80 | 24.48 | 23.72 | 22.65 | 22.28 |
| Turnover | - | - | - | - | - |
| Dpt & ln | 4.88B | 4.76B | 4.86B | 4.66B | 4.63B |
| NPL | 27.57M | 23.13M | 20.36M | 8.20M | 7.09M |
| Capital ratio | 11.70% | 11.49% | 11.54% | 11.36% | 11.45% |
| Coverage | 231.09% | 274.33% | 306.85% | 745.45% | 847.23% |

## Cash Flow Statement (USD)

| Indicator | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
| --- | --- | --- | --- | --- | --- |
| Operating CF | -9.16M | 7.79M | 18.20M | 18.97M | 19.25M |
| Investing CF | -16.70M | -45.56M | -9.63M | -70.64M | 15.78M |
| Financing CF | 62.38M | -32.53M | 53.96M | 69.68M | -26.77M |
| Free CF | - | - | - | - | - |

## Distribution Plan

**Dividend Yield**: 3.17

### Dividend History

| Description | Record Date | Ex-Date | Payment Date |
|-------------|-------------|---------|--------------|
| Cash Dividend: 
0.28USD | 2026-05-04 | 2026-05-04 | 2026-05-14 |
| Cash Dividend: 
0.28USD | 2026-02-03 | 2026-02-03 | 2026-02-13 |
| Cash Dividend: 
0.26USD | 2025-11-04 | 2025-11-04 | 2025-11-14 |