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

IBCP · Sep 30, 2025

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

Filing0000039311-25-000101Bank
Sequential deposit growth95thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

4.29% · CORE · VALID

Net-income growth90thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

26.73% · CORE · VALID

Interest-income growth30thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

1.40% · CORE · VALID

Cash and equivalents90thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$208.7M · 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
0.55%
Current
4.29%
Delta
3.74%
Earnings Growth Increased
Previous
-8.91%
Current
26.73%
Delta
35.65%
Interest Income Growth Increased
Previous
0.81%
Current
1.40%
Delta
0.58%
Liquidity Increased
Previous
$146.2M
Current
$208.7M
Delta
$62.5M
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.

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_INCREASED →

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.