Independent Bank Corporation (IB6A)
XBER 
Summary
Independent Bank Corporation (IBCP) Q3 2025 Earnings Call Transcript
Independent Bank Corporation (NASDAQ:IBCP ) Q3 2025 Earnings Call October 28, 2025 11:00 AM EDT Company Participants William Kessel - President, CEO & Director Joel Rahn - Executive VP of Commercial Lending & Chief Lending Officer Gavin Mohr - CFO, Executive VP, Treasurer & Corporate Secretary Conference Call Participants Brendan Nosal - Hovde Group, LLC, Research Division Nathan Race - Piper Sandler & Co., Research Division Peter Winter - D.A. Davidson & Co., Research Division Presentation Operator Hello, everyone, and welcome to the Independent Bank Corporation Reports 2025 Third Quarter Results.
Independent Bank (IBCP) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
The headline numbers for Independent Bank (IBCP) give insight into how the company performed in the quarter ended September 2025, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
Independent Bank (IBCP) Beats Q3 Earnings Estimates
Independent Bank (IBCP) came out with quarterly earnings of $0.84 per share, beating the Zacks Consensus Estimate of $0.83 per share. This compares to earnings of $0.65 per share a year ago.
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Independent Bank Corporation Profile
| Banks Industry | Financials Sector | William Bradford Kessel CPA CEO | XBER Exchange | US4538386099 ISIN |
| US Country | 732 Employees | 4 Nov 2025 Last Dividend | 1 Sep 2010 Last Split | 2 Jan 2001 IPO Date |
Overview
Independent Bank Corporation serves communities within Michigan as a prominent bank holding company for Independent Bank, focusing on providing a comprehensive range of commercial banking services dedicated to both individuals and businesses. The company, with its foundation dating back to 1864, holds a significant historical presence and operates from its base in Grand Rapids, Michigan. Its commitment to serving rural and suburban communities marks it as a key player in Michigan’s banking sector.
Products and Services
- Checking and Savings Accounts: Independent Bank offers a variety of checking and savings accounts tailored to meet the financial needs and preferences of individuals and businesses. These accounts are designed to provide flexibility and convenience, fostering effective money management.
- Commercial Lending: They extend commercial loans to businesses for various purposes, including operational expansion, asset purchases, and other financial needs. Their lending solutions are structured to support businesses in achieving growth and financial stability.
- Direct and Indirect Consumer Financing: Offering both direct and indirect financing options, Independent Bank provides customers with loans and financing solutions directly and through third parties. These services enable consumers to access loans for personal, vehicle, and home purposes.
- Mortgage Lending: They offer a comprehensive range of mortgage products for new home purchases and refinancing existing homes. Their mortgage lending services are designed to meet the diverse needs of homebuyers with different financial backgrounds.
- Safe Deposit Box Services: For customers looking to safeguard valuable items and important documents, Independent Bank provides safe deposit box services at select locations, offering peace of mind and enhanced security for valuables.
- Title Insurance Services: They offer title insurance services, providing protection to property buyers and mortgage lenders against losses from title defects. This service ensures a secure transition of property ownership.
- Investment Services: Independent Bank facilitates access to investment products and services, helping individuals and businesses to grow their wealth and achieve their financial goals through strategic investment solutions.
- Automatic Teller Machines (ATMs): With an extensive network of ATMs, Independent Bank ensures convenience for customers to perform various transactions, including withdrawals, deposits, and balance inquiries, across multiple locations.
- Internet and Mobile Banking Services: Embracing technology, Independent Bank offers comprehensive internet and mobile banking solutions. Customers can manage their accounts, make transactions, and access banking services remotely and securely, enhancing the banking experience.
Contact Information
