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

IBCP · Dec 31, 2024

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

STATE CAPABILITYLEVEL 3[email protected]
Inspectable configuration

State dimensions

Filing0000039311-25-000044Bank
Sequential deposit growth25thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

0.59% · CORE · VALID

Net-income growth60thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

13.07% · CORE · VALID

Interest-income growth50thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

11.31% · CORE · VALID

Cash and equivalents55thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$119.9M · CORE · VALID

Sequential loan growth75thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

6.51% · 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 Increased
Previous
0.27%
Current
0.59%
Delta
0.32%
Earnings Growth Increased
Previous
-21.28%
Current
13.07%
Delta
34.35%
Interest Income Growth Increased
Previous
9.45%
Current
11.31%
Delta
1.85%
Liquidity Decreased
Previous
$121.6M
Current
$119.9M
Delta
-$1.7M
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.

Not enough compatible prior states for a transparent self-history match.
Research Graph

Related governed research

Transitioned To · IBCP Fundamental State →Transitioned To · IBCP Fundamental State →Transitioned To · IBCP DEPOSIT_GROWTH_INCREASED →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.