GPGrossPatternRESEARCH SYSTEM
SEC CHECK OPERATIONAL
GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

IBCP · Jun 30, 2026

INDEPENDENT BANK CORP /MI/. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 4[email protected]
Inspectable configuration

State dimensions

Filing0000039311-26-000061Bank
Sequential deposit growth20thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

-0.38% · CORE · VALID

Net-income growth70thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

11.42% · CORE · VALID

Interest-income growth15thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

0.62% · CORE · VALID

Cash and equivalents75thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$165.5M · CORE · VALID

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History49 statesSelf-history eligible
Sep 30, 20215/5 normalizedLevel 3Dec 31, 20215/5 normalizedLevel 3Mar 31, 20225/5 normalizedLevel 3Jun 30, 20225/5 normalizedLevel 3Sep 30, 20225/5 normalizedLevel 3Dec 31, 20226/6 normalizedLevel 3Mar 31, 20235/5 normalizedLevel 3Jun 30, 20235/5 normalizedLevel 3Sep 30, 20235/5 normalizedLevel 3Dec 31, 20236/6 normalizedLevel 3Mar 31, 20245/5 normalizedLevel 3Jun 30, 20244/4 normalizedLevel 3Sep 30, 20244/4 normalizedLevel 3Dec 31, 20245/5 normalizedLevel 3Mar 31, 20254/4 normalizedLevel 3Jun 30, 20254/4 normalizedLevel 3Sep 30, 20254/4 normalizedLevel 3Dec 31, 20255/5 normalizedLevel 3Mar 31, 20264/4 normalizedLevel 3Jun 30, 20264/4 normalizedLevel 4
Period transition

What moved in the state?

Deposit Growth Decreased
Previous
2.50%
Current
-0.38%
Delta
-2.88%
Earnings Growth Increased
Previous
8.24%
Current
11.42%
Delta
3.18%
Interest Income Growth Increased
Previous
0.04%
Current
0.62%
Delta
0.58%
Liquidity Decreased
Previous
$174.9M
Current
$165.5M
Delta
-$9.5M
Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Dec 31, 2020
Similarity
86%
Compared
4 dimensions
Coverage
100%
Liquidity 20.0 · Deposit Growth 10.0 · Earnings Growth 15.0 · Interest Income Growth 5.0
Dec 31, 2025
Similarity
85%
Compared
4 dimensions
Coverage
100%
Liquidity 5.0 · Deposit Growth 20.0 · Earnings Growth 20.0 · Interest Income Growth 10.0
Mar 31, 2025
Similarity
79%
Compared
4 dimensions
Coverage
100%
Liquidity 5.0 · Deposit Growth 10.0 · Earnings Growth 35.0 · Interest Income Growth 20.0
Jun 30, 2024
Similarity
74%
Compared
4 dimensions
Coverage
100%
Liquidity 20.0 · Deposit Growth 0.0 · Earnings Growth 15.0 · Interest Income Growth 45.0
Dec 31, 2021
Similarity
72%
Compared
4 dimensions
Coverage
100%
Liquidity 10.0 · Deposit Growth 45.0 · Earnings Growth 30.0 · Interest Income Growth 10.0
Research Graph

Related governed research

Analogous To · IBCP state analogue 1 →Analogous To · IBCP state analogue 4 →Analogous To · IBCP state analogue 5 →Compared To · State Commercial Banks peers →Analogous To · IBCP state analogue 3 →Analogous To · IBCP state analogue 2 →Has State · INDEPENDENT BANK CORP /MI/ →Transitioned To · IBCP Fundamental State →Transitioned To · IBCP DEPOSIT_GROWTH_DECREASED →Transitioned To · IBCP EARNINGS_GROWTH_INCREASED →Transitioned To · IBCP INTEREST_INCOME_GROWTH_INCREASED →Transitioned To · IBCP LIQUIDITY_DECREASED →

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.