IBCP (Independent Bank) Total Deposits: $4,862.1 Mil (As of Jun. 2026)

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IBCP Independent Bank Corp. IBCP
62 GF Score
Price $38.02
GF Value $33.82
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Independent Bank Total Deposits?

Independent Bank IBCP -1.14% 62 Total Deposits is $4,862.1 Mil as of Jun. 2026. GuruFocus rates IBCP with a GF Score™ of 62/100 and a GF Value™ of $33.82 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Independent Bank's annual total deposits increased from Dec. 2023 ($4,622.9 Mil) to Dec. 2024 ($4,654.1 Mil) and increased from Dec. 2024 ($4,654.1 Mil) to Dec. 2025 ($4,761.7 Mil).

Independent Bank Total Deposits Historical Data

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The historical data trend for Independent Bank's Total Deposits can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Independent Bank Total Deposits Chart

Independent Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Deposits
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4,117.09 4,379.07 4,622.88 4,654.09 4,761.68

Independent Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Total Deposits Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4,659.36 4,859.16 4,761.68 4,880.68 4,862.13
IBCP
62GF Score
Independent Bank Corp. IBCP
Total Deposits is just one metric. See GF Score™, valuation, warning signs, and more.
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Independent Bank Total Deposits Calculation

Total Deposits that banks' customers have in their accounts. This is an very important source of banks' liquidity.

When banks' customers flood to their banks to take their deposit out, it may be called "Bank Run", which may bring down a bank due to liquidity issues.

Frequently Asked Questions Learn more about Total Deposits →
What does a Total Deposits of $4,862.1 Mil mean?
Independent Bank (IBCP) has a Total Deposits of $4,862.1 Mil as of Jun. 2026. The total amount of client deposits as recorded on a bank's balance sheet. View historical data for Independent Bank and its competitors.
Is Independent Bank's Total Deposits too high?
Independent Bank's current Total Deposits is $4,862.1 Mil. Overall, Independent Bank has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Independent Bank's Total Deposits compare to HBIA and SHBI?
Independent Bank's Total Deposits of $4,862.1 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Total Deposits for a Banks company?
A good Total Deposits depends on the Banks industry context. However, Total Deposits should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Total Deposits mean?
A high Total Deposits can signal that a stock is expensive relative to its fundamentals. The total amount of client deposits as recorded on a bank's balance sheet. View historical data for Independent Bank and its competitors. Independent Bank's current Total Deposits is $4,862.1 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Independent Bank stock overvalued right now?
Based on GuruFocus' analysis, Independent Bank (IBCP) is currently considered Modestly Overvalued. The stock's GF Value™ is $33.82, compared to a current price of $38.02 — trading 12.4% above its estimated fair value. The current Total Deposits is $4,862.1 Mil. Independent Bank's overall GF Score™ is 62/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Total Deposits calculated?
Total Deposits is calculated from a company's financial statements. For Independent Bank (IBCP), the current Total Deposits is $4,862.1 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Independent Bank (IBCP) Overvalued in 2026?

Based on GuruFocus' analysis, Independent Bank stock appears to be overvalued. The current stock price of $38.02 is trading 12.4% above its estimated GF Value™ of $33.82. GuruFocus considers Independent Bank to be Modestly Overvalued.

Key valuation signals for IBCP:

  • Total Deposits: $4,862.1 Mil
  • GF Value™: $33.82 vs. price of $38.02 (12.4% above fair value)
  • GF Score™: 62/100 with 4 warning signs

No single metric tells the full story. See the IBCP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Independent Bank Business Description

Address 4200 East Beltline, Grand Rapids, MI, USA, 49525
Independent Bank Corp. operates as a commercial bank. It offers a broad range of banking services to individuals and businesses, including checking and savings accounts, commercial lending, direct and indirect consumer financing, mortgage lending, and safe deposit box services. It also provides internet and mobile banking capabilities to its customers. The firm's principal markets are the rural and suburban communities across Lower Michigan. The firm generates the majority of its revenue from Interest and fees on loans.
62GF Score

Get the complete analysis for IBCP

Total Deposits is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$38.02
Price
$33.82
GF Value