10-Q 1 ibcp-20230630.htm 10-Q ibcp-20230630
12-31Q220230000039311falseYesYestruefalsehttp://fasb.org/us-gaap/2023#InterestAndFeeIncomeLoansAndLeaseshttp://fasb.org/us-gaap/2023#InterestAndFeeIncomeLoansAndLeaseshttp://fasb.org/us-gaap/2023#InterestIncomeSecuritiesTaxExempthttp://fasb.org/us-gaap/2023#InterestIncomeSecuritiesTaxExempthttp://fasb.org/us-gaap/2023#GainLossOnSalesOfLoansNethttp://fasb.org/us-gaap/2023#GainLossOnSalesOfLoansNethttp://fasb.org/us-gaap/2023#GainLossOnSalesOfLoansNethttp://fasb.org/us-gaap/2023#GainLossOnSalesOfLoansNethttp://fasb.org/us-gaap/2023#InterestAndDividendIncomeOperatinghttp://fasb.org/us-gaap/2023#InterestAndDividendIncomeOperatinghttp://fasb.org/us-gaap/2023#InterestAndDividendIncomeOperatinghttp://fasb.org/us-gaap/2023#InterestAndDividendIncomeOperatinghttp://fasb.org/us-gaap/2023#InterestExpensehttp://fasb.org/us-gaap/2023#InterestExpensehttp://fasb.org/us-gaap/2023#InterestAndFeeIncomeLoansAndLeaseshttp://fasb.org/us-gaap/2023#InterestAndFeeIncomeLoansAndLeaseshttp://fasb.org/us-gaap/2023#InterestIncomeSecuritiesTaxExempthttp://fasb.org/us-gaap/2023#InterestIncomeSecuritiesTaxExempthttp://fasb.org/us-gaap/2023#GainLossOnSalesOfLoansNethttp://fasb.org/us-gaap/2023#GainLossOnSalesOfLoansNethttp://fasb.org/us-gaap/2023#GainLossOnSalesOfLoansNethttp://fasb.org/us-gaap/2023#GainLossOnSalesOfLoansNethttp://fasb.org/us-gaap/2023#InterestAndDividendIncomeOperatinghttp://fasb.org/us-gaap/2023#InterestAndDividendIncomeOperatinghttp://fasb.org/us-gaap/2023#InterestAndDividendIncomeOperatinghttp://fasb.org/us-gaap/2023#InterestAndDividendIncomeOperatinghttp://fasb.org/us-gaap/2023#GainLossOnSalesOfLoansNethttp://fasb.org/us-gaap/2023#GainLossOnSalesOfLoansNethttp://fasb.org/us-gaap/2023#InterestExpensehttp://fasb.org/us-gaap/2023#InterestExpenseP3Yhttp://fasb.org/us-gaap/2023#OtherAssetshttp://fasb.org/us-gaap/2023#OtherAssetshttp://fasb.org/us-gaap/2023#OtherLiabilitieshttp://fasb.org/us-gaap/2023#OtherLiabilities00000393112023-01-012023-06-3000000393112023-08-03xbrli:shares00000393112023-06-30iso4217:USD00000393112022-12-310000039311us-gaap:CommercialPortfolioSegmentMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMember2022-12-310000039311us-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311us-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:InstallmentPortfolioSegmentMember2023-06-300000039311ibcp:InstallmentPortfolioSegmentMember2022-12-31iso4217:USDxbrli:shares00000393112023-04-012023-06-3000000393112022-04-012022-06-3000000393112022-01-012022-06-3000000393112021-12-3100000393112022-06-300000039311us-gaap:CommonStockMember2023-03-310000039311us-gaap:RetainedEarningsMember2023-03-310000039311us-gaap:AccumulatedOtherComprehensiveIncomeMember2023-03-3100000393112023-03-310000039311us-gaap:RetainedEarningsMember2023-04-012023-06-300000039311us-gaap:CommonStockMember2023-04-012023-06-300000039311us-gaap:AccumulatedOtherComprehensiveIncomeMember2023-04-012023-06-300000039311us-gaap:CommonStockMember2023-06-300000039311us-gaap:RetainedEarningsMember2023-06-300000039311us-gaap:AccumulatedOtherComprehensiveIncomeMember2023-06-300000039311us-gaap:CommonStockMember2022-03-310000039311us-gaap:RetainedEarningsMember2022-03-310000039311us-gaap:AccumulatedOtherComprehensiveIncomeMember2022-03-3100000393112022-03-310000039311us-gaap:RetainedEarningsMember2022-04-012022-06-300000039311us-gaap:CommonStockMember2022-04-012022-06-300000039311us-gaap:AccumulatedOtherComprehensiveIncomeMember2022-04-012022-06-300000039311us-gaap:CommonStockMember2022-06-300000039311us-gaap:RetainedEarningsMember2022-06-300000039311us-gaap:AccumulatedOtherComprehensiveIncomeMember2022-06-300000039311us-gaap:CommonStockMember2022-12-310000039311us-gaap:RetainedEarningsMember2022-12-310000039311us-gaap:AccumulatedOtherComprehensiveIncomeMember2022-12-310000039311us-gaap:RetainedEarningsMember2023-01-012023-06-300000039311us-gaap:CommonStockMember2023-01-012023-06-300000039311us-gaap:AccumulatedOtherComprehensiveIncomeMember2023-01-012023-06-300000039311us-gaap:CommonStockMember2021-12-310000039311us-gaap:RetainedEarningsMember2021-12-310000039311us-gaap:AccumulatedOtherComprehensiveIncomeMember2021-12-310000039311us-gaap:RetainedEarningsMember2022-01-012022-06-300000039311us-gaap:CommonStockMember2022-01-012022-06-300000039311us-gaap:AccumulatedOtherComprehensiveIncomeMember2022-01-012022-06-300000039311us-gaap:USGovernmentCorporationsAndAgenciesSecuritiesMember2023-06-300000039311us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2023-06-300000039311us-gaap:CommercialMortgageBackedSecuritiesMember2023-06-300000039311us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2023-06-300000039311us-gaap:AssetBackedSecuritiesMember2023-06-300000039311us-gaap:USStatesAndPoliticalSubdivisionsMember2023-06-300000039311us-gaap:CorporateDebtSecuritiesMember2023-06-300000039311us-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember2023-06-300000039311us-gaap:USGovernmentCorporationsAndAgenciesSecuritiesMember2022-12-310000039311us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2022-12-310000039311us-gaap:CommercialMortgageBackedSecuritiesMember2022-12-310000039311us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2022-12-310000039311us-gaap:AssetBackedSecuritiesMember2022-12-310000039311us-gaap:USStatesAndPoliticalSubdivisionsMember2022-12-310000039311us-gaap:CorporateDebtSecuritiesMember2022-12-310000039311us-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember2022-12-3100000393112022-04-01ibcp:security0000039311us-gaap:ForeignGovernmentDebtSecuritiesMember2023-06-3000000393112023-01-012023-03-310000039311us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMembersrt:StandardPoorsAAARatingMember2023-06-300000039311us-gaap:USStatesAndPoliticalSubdivisionsMembersrt:StandardPoorsAAARatingMember2023-06-300000039311srt:StandardPoorsAAARatingMemberus-gaap:CorporateDebtSecuritiesMember2023-06-300000039311us-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMembersrt:StandardPoorsAAARatingMember2023-06-300000039311srt:StandardPoorsAAARatingMember2023-06-300000039311us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMembersrt:StandardPoorsAARatingMember2023-06-300000039311us-gaap:USStatesAndPoliticalSubdivisionsMembersrt:StandardPoorsAARatingMember2023-06-300000039311us-gaap:CorporateDebtSecuritiesMembersrt:StandardPoorsAARatingMember2023-06-300000039311us-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMembersrt:StandardPoorsAARatingMember2023-06-300000039311srt:StandardPoorsAARatingMember2023-06-300000039311us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMembersrt:StandardPoorsARatingMember2023-06-300000039311us-gaap:USStatesAndPoliticalSubdivisionsMembersrt:StandardPoorsARatingMember2023-06-300000039311us-gaap:CorporateDebtSecuritiesMembersrt:StandardPoorsARatingMember2023-06-300000039311us-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMembersrt:StandardPoorsARatingMember2023-06-300000039311srt:StandardPoorsARatingMember2023-06-300000039311srt:StandardPoorsBBBRatingMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2023-06-300000039311srt:StandardPoorsBBBRatingMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2023-06-300000039311srt:StandardPoorsBBBRatingMemberus-gaap:CorporateDebtSecuritiesMember2023-06-300000039311us-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMembersrt:StandardPoorsBBBRatingMember2023-06-300000039311srt:StandardPoorsBBBRatingMember2023-06-300000039311us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMemberibcp:ExternalCreditRatingAgencyNonRatedMemberMember2023-06-300000039311us-gaap:USStatesAndPoliticalSubdivisionsMemberibcp:ExternalCreditRatingAgencyNonRatedMemberMember2023-06-300000039311ibcp:ExternalCreditRatingAgencyNonRatedMemberMemberus-gaap:CorporateDebtSecuritiesMember2023-06-300000039311us-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMemberibcp:ExternalCreditRatingAgencyNonRatedMemberMember2023-06-300000039311ibcp:ExternalCreditRatingAgencyNonRatedMemberMember2023-06-300000039311ibcp:CreditQualityExternallyCreditRatedAndNonRatedSecuritiesMember2023-06-300000039311us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMembersrt:StandardPoorsAAARatingMember2022-12-310000039311us-gaap:USStatesAndPoliticalSubdivisionsMembersrt:StandardPoorsAAARatingMember2022-12-310000039311srt:StandardPoorsAAARatingMemberus-gaap:CorporateDebtSecuritiesMember2022-12-310000039311us-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMembersrt:StandardPoorsAAARatingMember2022-12-310000039311srt:StandardPoorsAAARatingMember2022-12-310000039311us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMembersrt:StandardPoorsAARatingMember2022-12-310000039311us-gaap:USStatesAndPoliticalSubdivisionsMembersrt:StandardPoorsAARatingMember2022-12-310000039311us-gaap:CorporateDebtSecuritiesMembersrt:StandardPoorsAARatingMember2022-12-310000039311us-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMembersrt:StandardPoorsAARatingMember2022-12-310000039311srt:StandardPoorsAARatingMember2022-12-310000039311us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMembersrt:StandardPoorsARatingMember2022-12-310000039311us-gaap:USStatesAndPoliticalSubdivisionsMembersrt:StandardPoorsARatingMember2022-12-310000039311us-gaap:CorporateDebtSecuritiesMembersrt:StandardPoorsARatingMember2022-12-310000039311us-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMembersrt:StandardPoorsARatingMember2022-12-310000039311srt:StandardPoorsARatingMember2022-12-310000039311srt:StandardPoorsBBBRatingMemberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2022-12-310000039311srt:StandardPoorsBBBRatingMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2022-12-310000039311srt:StandardPoorsBBBRatingMemberus-gaap:CorporateDebtSecuritiesMember2022-12-310000039311us-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMembersrt:StandardPoorsBBBRatingMember2022-12-310000039311srt:StandardPoorsBBBRatingMember2022-12-310000039311us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMemberibcp:ExternalCreditRatingAgencyNonRatedMemberMember2022-12-310000039311us-gaap:USStatesAndPoliticalSubdivisionsMemberibcp:ExternalCreditRatingAgencyNonRatedMemberMember2022-12-310000039311ibcp:ExternalCreditRatingAgencyNonRatedMemberMemberus-gaap:CorporateDebtSecuritiesMember2022-12-310000039311us-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMemberibcp:ExternalCreditRatingAgencyNonRatedMemberMember2022-12-310000039311ibcp:ExternalCreditRatingAgencyNonRatedMemberMember2022-12-310000039311ibcp:CreditQualityExternallyCreditRatedAndNonRatedSecuritiesMember2022-12-310000039311us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2023-03-310000039311us-gaap:USStatesAndPoliticalSubdivisionsMember2023-03-310000039311us-gaap:CorporateDebtSecuritiesMember2023-03-310000039311us-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember2023-03-310000039311us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2023-04-012023-06-300000039311us-gaap:USStatesAndPoliticalSubdivisionsMember2023-04-012023-06-300000039311us-gaap:CorporateDebtSecuritiesMember2023-04-012023-06-300000039311us-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember2023-04-012023-06-300000039311us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2022-03-310000039311us-gaap:USStatesAndPoliticalSubdivisionsMember2022-03-310000039311us-gaap:CorporateDebtSecuritiesMember2022-03-310000039311us-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember2022-03-310000039311us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2022-04-012022-06-300000039311us-gaap:USStatesAndPoliticalSubdivisionsMember2022-04-012022-06-300000039311us-gaap:CorporateDebtSecuritiesMember2022-04-012022-06-300000039311us-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember2022-04-012022-06-300000039311us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2022-06-300000039311us-gaap:USStatesAndPoliticalSubdivisionsMember2022-06-300000039311us-gaap:CorporateDebtSecuritiesMember2022-06-300000039311us-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember2022-06-300000039311us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2023-01-012023-06-300000039311us-gaap:USStatesAndPoliticalSubdivisionsMember2023-01-012023-06-300000039311us-gaap:CorporateDebtSecuritiesMember2023-01-012023-06-300000039311us-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember2023-01-012023-06-300000039311us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2021-12-310000039311us-gaap:USStatesAndPoliticalSubdivisionsMember2021-12-310000039311us-gaap:CorporateDebtSecuritiesMember2021-12-310000039311us-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember2021-12-310000039311us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember2022-01-012022-06-300000039311us-gaap:USStatesAndPoliticalSubdivisionsMember2022-01-012022-06-300000039311us-gaap:CorporateDebtSecuritiesMember2022-01-012022-06-300000039311us-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember2022-01-012022-06-300000039311us-gaap:CommercialPortfolioSegmentMember2023-03-310000039311us-gaap:ResidentialPortfolioSegmentMember2023-03-310000039311ibcp:InstallmentPortfolioSegmentMember2023-03-310000039311us-gaap:UnallocatedFinancingReceivablesMember2023-03-310000039311us-gaap:CommercialPortfolioSegmentMember2023-04-012023-06-300000039311us-gaap:ResidentialPortfolioSegmentMember2023-04-012023-06-300000039311ibcp:InstallmentPortfolioSegmentMember2023-04-012023-06-300000039311us-gaap:UnallocatedFinancingReceivablesMember2023-04-012023-06-300000039311us-gaap:UnallocatedFinancingReceivablesMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMember2022-03-310000039311us-gaap:ResidentialPortfolioSegmentMember2022-03-310000039311ibcp:InstallmentPortfolioSegmentMember2022-03-310000039311us-gaap:UnallocatedFinancingReceivablesMember2022-03-310000039311us-gaap:CommercialPortfolioSegmentMember2022-04-012022-06-300000039311us-gaap:ResidentialPortfolioSegmentMember2022-04-012022-06-300000039311ibcp:InstallmentPortfolioSegmentMember2022-04-012022-06-300000039311us-gaap:UnallocatedFinancingReceivablesMember2022-04-012022-06-300000039311us-gaap:CommercialPortfolioSegmentMember2022-06-300000039311us-gaap:ResidentialPortfolioSegmentMember2022-06-300000039311ibcp:InstallmentPortfolioSegmentMember2022-06-300000039311us-gaap:UnallocatedFinancingReceivablesMember2022-06-300000039311us-gaap:UnallocatedFinancingReceivablesMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMember2023-01-012023-06-300000039311us-gaap:ResidentialPortfolioSegmentMember2023-01-012023-06-300000039311ibcp:InstallmentPortfolioSegmentMember2023-01-012023-06-300000039311us-gaap:UnallocatedFinancingReceivablesMember2023-01-012023-06-300000039311us-gaap:CommercialPortfolioSegmentMember2021-12-310000039311us-gaap:ResidentialPortfolioSegmentMember2021-12-310000039311ibcp:InstallmentPortfolioSegmentMember2021-12-310000039311us-gaap:UnallocatedFinancingReceivablesMember2021-12-310000039311us-gaap:CommercialPortfolioSegmentMember2022-01-012022-06-300000039311us-gaap:ResidentialPortfolioSegmentMember2022-01-012022-06-300000039311ibcp:InstallmentPortfolioSegmentMember2022-01-012022-06-300000039311us-gaap:UnallocatedFinancingReceivablesMember2022-01-012022-06-300000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialAndIndustrialMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberus-gaap:NonperformingFinancingReceivableMemberibcp:CommercialAndIndustrialMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberus-gaap:NonperformingFinancingReceivableMember2023-06-300000039311ibcp:Family14OwnerOccupiedJumboMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:Family14OwnerOccupiedJumboMemberus-gaap:NonperformingFinancingReceivableMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311us-gaap:NonperformingFinancingReceivableMemberibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311us-gaap:ResidentialPortfolioSegmentMemberibcp:Family14NonOwnerOccupiedMember2023-06-300000039311us-gaap:NonperformingFinancingReceivableMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:Family14NonOwnerOccupiedMember2023-06-300000039311ibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311us-gaap:NonperformingFinancingReceivableMemberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:ResortLendingMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:ResortLendingMemberus-gaap:NonperformingFinancingReceivableMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMember2023-06-300000039311ibcp:BoatLendingMemberus-gaap:NonperformingFinancingReceivableMemberibcp:InstallmentPortfolioSegmentMember2023-06-300000039311ibcp:InstallmentPortfolioSegmentMemberibcp:RecreationalVehicleLendingMember2023-06-300000039311us-gaap:NonperformingFinancingReceivableMemberibcp:InstallmentPortfolioSegmentMemberibcp:RecreationalVehicleLendingMember2023-06-300000039311ibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMember2023-06-300000039311ibcp:InstallmentOtherMemberus-gaap:NonperformingFinancingReceivableMemberibcp:InstallmentPortfolioSegmentMember2023-06-300000039311us-gaap:NonperformingFinancingReceivableMember2023-06-300000039311us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialAndIndustrialMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberus-gaap:NonperformingFinancingReceivableMemberibcp:CommercialAndIndustrialMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberus-gaap:NonperformingFinancingReceivableMember2022-12-310000039311ibcp:Family14OwnerOccupiedJumboMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:Family14OwnerOccupiedJumboMemberus-gaap:NonperformingFinancingReceivableMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311us-gaap:NonperformingFinancingReceivableMemberibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311us-gaap:ResidentialPortfolioSegmentMemberibcp:Family14NonOwnerOccupiedMember2022-12-310000039311us-gaap:NonperformingFinancingReceivableMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:Family14NonOwnerOccupiedMember2022-12-310000039311ibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311us-gaap:NonperformingFinancingReceivableMemberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:ResortLendingMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:ResortLendingMemberus-gaap:NonperformingFinancingReceivableMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMember2022-12-310000039311ibcp:BoatLendingMemberus-gaap:NonperformingFinancingReceivableMemberibcp:InstallmentPortfolioSegmentMember2022-12-310000039311ibcp:InstallmentPortfolioSegmentMemberibcp:RecreationalVehicleLendingMember2022-12-310000039311us-gaap:NonperformingFinancingReceivableMemberibcp:InstallmentPortfolioSegmentMemberibcp:RecreationalVehicleLendingMember2022-12-310000039311ibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMember2022-12-310000039311ibcp:InstallmentOtherMemberus-gaap:NonperformingFinancingReceivableMemberibcp:InstallmentPortfolioSegmentMember2022-12-310000039311us-gaap:NonperformingFinancingReceivableMember2022-12-310000039311us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2022-12-310000039311ibcp:CommercialAndIndustrialMember2023-06-300000039311ibcp:CommercialAndIndustrialMember2022-12-310000039311ibcp:Family14OwnerOccupiedNonJumboMember2023-06-300000039311ibcp:Family14OwnerOccupiedNonJumboMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberus-gaap:RealEstateMemberibcp:CommercialAndIndustrialMember2023-06-300000039311ibcp:OtherCollateralLoanMemberus-gaap:CommercialPortfolioSegmentMemberibcp:CommercialAndIndustrialMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CollateralDependentLoanMemberibcp:CommercialAndIndustrialMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberus-gaap:RealEstateMember2023-06-300000039311ibcp:OtherCollateralLoanMemberus-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberibcp:CollateralDependentLoanMember2023-06-300000039311ibcp:Family14OwnerOccupiedJumboMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateMember2023-06-300000039311ibcp:OtherCollateralLoanMemberibcp:Family14OwnerOccupiedJumboMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:Family14OwnerOccupiedJumboMemberibcp:CollateralDependentLoanMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateMember2023-06-300000039311ibcp:OtherCollateralLoanMemberibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:Family14OwnerOccupiedNonJumboMemberibcp:CollateralDependentLoanMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311us-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateMemberibcp:Family14NonOwnerOccupiedMember2023-06-300000039311ibcp:OtherCollateralLoanMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:Family14NonOwnerOccupiedMember2023-06-300000039311ibcp:CollateralDependentLoanMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:Family14NonOwnerOccupiedMember2023-06-300000039311ibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateMember2023-06-300000039311ibcp:OtherCollateralLoanMemberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:Family14SecondLienMemberibcp:CollateralDependentLoanMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:ResortLendingMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateMember2023-06-300000039311ibcp:OtherCollateralLoanMemberibcp:ResortLendingMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:ResortLendingMemberibcp:CollateralDependentLoanMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:RealEstateMember2023-06-300000039311ibcp:OtherCollateralLoanMemberibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMember2023-06-300000039311ibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMemberibcp:CollateralDependentLoanMember2023-06-300000039311ibcp:InstallmentPortfolioSegmentMemberus-gaap:RealEstateMemberibcp:RecreationalVehicleLendingMember2023-06-300000039311ibcp:OtherCollateralLoanMemberibcp:InstallmentPortfolioSegmentMemberibcp:RecreationalVehicleLendingMember2023-06-300000039311ibcp:InstallmentPortfolioSegmentMemberibcp:CollateralDependentLoanMemberibcp:RecreationalVehicleLendingMember2023-06-300000039311ibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:RealEstateMember2023-06-300000039311ibcp:OtherCollateralLoanMemberibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMember2023-06-300000039311ibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMemberibcp:CollateralDependentLoanMember2023-06-300000039311us-gaap:RealEstateMember2023-06-300000039311ibcp:OtherCollateralLoanMember2023-06-300000039311ibcp:CollateralDependentLoanMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberus-gaap:RealEstateMemberibcp:CommercialAndIndustrialMember2022-12-310000039311ibcp:OtherCollateralLoanMemberus-gaap:CommercialPortfolioSegmentMemberibcp:CommercialAndIndustrialMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CollateralDependentLoanMemberibcp:CommercialAndIndustrialMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberus-gaap:RealEstateMember2022-12-310000039311ibcp:OtherCollateralLoanMemberus-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberibcp:CollateralDependentLoanMember2022-12-310000039311ibcp:Family14OwnerOccupiedJumboMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateMember2022-12-310000039311ibcp:OtherCollateralLoanMemberibcp:Family14OwnerOccupiedJumboMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:Family14OwnerOccupiedJumboMemberibcp:CollateralDependentLoanMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateMember2022-12-310000039311ibcp:OtherCollateralLoanMemberibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:Family14OwnerOccupiedNonJumboMemberibcp:CollateralDependentLoanMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311us-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateMemberibcp:Family14NonOwnerOccupiedMember2022-12-310000039311ibcp:OtherCollateralLoanMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:Family14NonOwnerOccupiedMember2022-12-310000039311ibcp:CollateralDependentLoanMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:Family14NonOwnerOccupiedMember2022-12-310000039311ibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateMember2022-12-310000039311ibcp:OtherCollateralLoanMemberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:Family14SecondLienMemberibcp:CollateralDependentLoanMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:ResortLendingMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:RealEstateMember2022-12-310000039311ibcp:OtherCollateralLoanMemberibcp:ResortLendingMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:ResortLendingMemberibcp:CollateralDependentLoanMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:RealEstateMember2022-12-310000039311ibcp:OtherCollateralLoanMemberibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMember2022-12-310000039311ibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMemberibcp:CollateralDependentLoanMember2022-12-310000039311ibcp:InstallmentPortfolioSegmentMemberus-gaap:RealEstateMemberibcp:RecreationalVehicleLendingMember2022-12-310000039311ibcp:OtherCollateralLoanMemberibcp:InstallmentPortfolioSegmentMemberibcp:RecreationalVehicleLendingMember2022-12-310000039311ibcp:InstallmentPortfolioSegmentMemberibcp:CollateralDependentLoanMemberibcp:RecreationalVehicleLendingMember2022-12-310000039311ibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:RealEstateMember2022-12-310000039311ibcp:OtherCollateralLoanMemberibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMember2022-12-310000039311ibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMemberibcp:CollateralDependentLoanMember2022-12-310000039311us-gaap:RealEstateMember2022-12-310000039311ibcp:OtherCollateralLoanMember2022-12-310000039311ibcp:CollateralDependentLoanMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberibcp:CommercialAndIndustrialMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberibcp:CommercialAndIndustrialMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberibcp:CommercialAndIndustrialMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMemberibcp:CommercialAndIndustrialMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMemberibcp:CommercialAndIndustrialMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberus-gaap:FinancialAssetPastDueMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberus-gaap:FinancialAssetNotPastDueMember2023-06-300000039311ibcp:Family14OwnerOccupiedJumboMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:Family14OwnerOccupiedJumboMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:Family14OwnerOccupiedJumboMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:Family14OwnerOccupiedJumboMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2023-06-300000039311ibcp:Family14OwnerOccupiedJumboMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2023-06-300000039311ibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2023-06-300000039311ibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2023-06-300000039311us-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:Family14NonOwnerOccupiedMember2023-06-300000039311us-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:Family14NonOwnerOccupiedMember2023-06-300000039311us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:Family14NonOwnerOccupiedMember2023-06-300000039311us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMemberibcp:Family14NonOwnerOccupiedMember2023-06-300000039311us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMemberibcp:Family14NonOwnerOccupiedMember2023-06-300000039311us-gaap:FinancingReceivables30To59DaysPastDueMemberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311us-gaap:FinancingReceivables60To89DaysPastDueMemberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2023-06-300000039311ibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2023-06-300000039311ibcp:ResortLendingMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:ResortLendingMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:ResortLendingMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:ResortLendingMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2023-06-300000039311ibcp:ResortLendingMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2023-06-300000039311ibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2023-06-300000039311ibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2023-06-300000039311ibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2023-06-300000039311ibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2023-06-300000039311ibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2023-06-300000039311ibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberibcp:RecreationalVehicleLendingMember2023-06-300000039311ibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberibcp:RecreationalVehicleLendingMember2023-06-300000039311ibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberibcp:RecreationalVehicleLendingMember2023-06-300000039311ibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMemberibcp:RecreationalVehicleLendingMember2023-06-300000039311ibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMemberibcp:RecreationalVehicleLendingMember2023-06-300000039311ibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2023-06-300000039311ibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2023-06-300000039311ibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2023-06-300000039311ibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2023-06-300000039311ibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2023-06-300000039311us-gaap:FinancingReceivables30To59DaysPastDueMember2023-06-300000039311us-gaap:FinancingReceivables60To89DaysPastDueMember2023-06-300000039311us-gaap:FinancialAssetPastDueMember2023-06-300000039311us-gaap:FinancialAssetNotPastDueMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberibcp:CommercialAndIndustrialMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberibcp:CommercialAndIndustrialMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberibcp:CommercialAndIndustrialMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMemberibcp:CommercialAndIndustrialMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMemberibcp:CommercialAndIndustrialMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberus-gaap:FinancialAssetPastDueMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberus-gaap:FinancialAssetNotPastDueMember2022-12-310000039311ibcp:Family14OwnerOccupiedJumboMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:Family14OwnerOccupiedJumboMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:Family14OwnerOccupiedJumboMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:Family14OwnerOccupiedJumboMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2022-12-310000039311ibcp:Family14OwnerOccupiedJumboMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2022-12-310000039311ibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2022-12-310000039311ibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2022-12-310000039311us-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:Family14NonOwnerOccupiedMember2022-12-310000039311us-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:Family14NonOwnerOccupiedMember2022-12-310000039311us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:Family14NonOwnerOccupiedMember2022-12-310000039311us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMemberibcp:Family14NonOwnerOccupiedMember2022-12-310000039311us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMemberibcp:Family14NonOwnerOccupiedMember2022-12-310000039311us-gaap:FinancingReceivables30To59DaysPastDueMemberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311us-gaap:FinancingReceivables60To89DaysPastDueMemberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2022-12-310000039311ibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2022-12-310000039311ibcp:ResortLendingMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:ResortLendingMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:ResortLendingMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:ResortLendingMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2022-12-310000039311ibcp:ResortLendingMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2022-12-310000039311ibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2022-12-310000039311ibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2022-12-310000039311ibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2022-12-310000039311ibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2022-12-310000039311ibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2022-12-310000039311ibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberibcp:RecreationalVehicleLendingMember2022-12-310000039311ibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberibcp:RecreationalVehicleLendingMember2022-12-310000039311ibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberibcp:RecreationalVehicleLendingMember2022-12-310000039311ibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMemberibcp:RecreationalVehicleLendingMember2022-12-310000039311ibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMemberibcp:RecreationalVehicleLendingMember2022-12-310000039311ibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2022-12-310000039311ibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2022-12-310000039311ibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2022-12-310000039311ibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2022-12-310000039311ibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2022-12-310000039311us-gaap:FinancingReceivables30To59DaysPastDueMember2022-12-310000039311us-gaap:FinancingReceivables60To89DaysPastDueMember2022-12-310000039311us-gaap:FinancialAssetPastDueMember2022-12-310000039311us-gaap:FinancialAssetNotPastDueMember2022-12-31ibcp:Loan0000039311ibcp:NonWatch16Memberus-gaap:CommercialPortfolioSegmentMemberibcp:CommercialAndIndustrialMember2023-06-300000039311ibcp:Watch78Memberus-gaap:CommercialPortfolioSegmentMemberibcp:CommercialAndIndustrialMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberibcp:SubstandardAccrual9Memberibcp:CommercialAndIndustrialMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberibcp:NonAccrual1011Memberibcp:CommercialAndIndustrialMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialAndIndustrialMember2023-01-012023-06-300000039311ibcp:NonWatch16Memberus-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMember2023-06-300000039311ibcp:Watch78Memberus-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberibcp:SubstandardAccrual9Member2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberibcp:NonAccrual1011Member2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMember2023-01-012023-06-300000039311ibcp:NonWatch16Memberus-gaap:CommercialPortfolioSegmentMember2023-06-300000039311ibcp:Watch78Memberus-gaap:CommercialPortfolioSegmentMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberibcp:SubstandardAccrual9Member2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberibcp:NonAccrual1011Member2023-06-300000039311ibcp:NonWatch16Memberus-gaap:CommercialPortfolioSegmentMemberibcp:CommercialAndIndustrialMember2022-12-310000039311ibcp:Watch78Memberus-gaap:CommercialPortfolioSegmentMemberibcp:CommercialAndIndustrialMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberibcp:SubstandardAccrual9Memberibcp:CommercialAndIndustrialMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberibcp:NonAccrual1011Memberibcp:CommercialAndIndustrialMember2022-12-310000039311ibcp:NonWatch16Memberus-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMember2022-12-310000039311ibcp:Watch78Memberus-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberibcp:SubstandardAccrual9Member2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberibcp:NonAccrual1011Member2022-12-310000039311ibcp:NonWatch16Memberus-gaap:CommercialPortfolioSegmentMember2022-12-310000039311ibcp:Watch78Memberus-gaap:CommercialPortfolioSegmentMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberibcp:SubstandardAccrual9Member2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberibcp:NonAccrual1011Member2022-12-310000039311ibcp:Family14OwnerOccupiedJumboMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreGreaterThan800Member2023-06-300000039311ibcp:Family14OwnerOccupiedJumboMemberibcp:FICOScore750To799Memberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:Family14OwnerOccupiedJumboMemberibcp:FICOScore700To749Memberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:Family14OwnerOccupiedJumboMemberibcp:FICOScore650To699Memberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:Family14OwnerOccupiedJumboMemberibcp:FICOScore600To649Memberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:Family14OwnerOccupiedJumboMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScore550To599Member2023-06-300000039311ibcp:Family14OwnerOccupiedJumboMemberibcp:FICOScore500To549Memberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:Family14OwnerOccupiedJumboMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreUnder500Member2023-06-300000039311ibcp:Family14OwnerOccupiedJumboMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreUnknownMember2023-06-300000039311ibcp:Family14OwnerOccupiedJumboMemberus-gaap:ResidentialPortfolioSegmentMember2023-01-012023-06-300000039311ibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreGreaterThan800Member2023-06-300000039311ibcp:FICOScore750To799Memberibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:FICOScore700To749Memberibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:Family14OwnerOccupiedNonJumboMemberibcp:FICOScore650To699Memberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:FICOScore600To649Memberibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScore550To599Member2023-06-300000039311ibcp:FICOScore500To549Memberibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreUnder500Member2023-06-300000039311ibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreUnknownMember2023-06-300000039311ibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMember2023-01-012023-06-300000039311us-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreGreaterThan800Memberibcp:Family14NonOwnerOccupiedMember2023-06-300000039311ibcp:FICOScore750To799Memberus-gaap:ResidentialPortfolioSegmentMemberibcp:Family14NonOwnerOccupiedMember2023-06-300000039311ibcp:FICOScore700To749Memberus-gaap:ResidentialPortfolioSegmentMemberibcp:Family14NonOwnerOccupiedMember2023-06-300000039311ibcp:FICOScore650To699Memberus-gaap:ResidentialPortfolioSegmentMemberibcp:Family14NonOwnerOccupiedMember2023-06-300000039311ibcp:FICOScore600To649Memberus-gaap:ResidentialPortfolioSegmentMemberibcp:Family14NonOwnerOccupiedMember2023-06-300000039311us-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScore550To599Memberibcp:Family14NonOwnerOccupiedMember2023-06-300000039311ibcp:FICOScore500To549Memberus-gaap:ResidentialPortfolioSegmentMemberibcp:Family14NonOwnerOccupiedMember2023-06-300000039311us-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreUnder500Memberibcp:Family14NonOwnerOccupiedMember2023-06-300000039311us-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreUnknownMemberibcp:Family14NonOwnerOccupiedMember2023-06-300000039311us-gaap:ResidentialPortfolioSegmentMemberibcp:Family14NonOwnerOccupiedMember2023-01-012023-06-300000039311ibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreGreaterThan800Member2023-06-300000039311ibcp:FICOScore750To799Memberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:FICOScore700To749Memberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:FICOScore650To699Memberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:FICOScore600To649Memberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScore550To599Member2023-06-300000039311ibcp:FICOScore500To549Memberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreUnder500Member2023-06-300000039311ibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreUnknownMember2023-06-300000039311ibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMember2023-01-012023-06-300000039311ibcp:ResortLendingMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreGreaterThan800Member2023-06-300000039311ibcp:ResortLendingMemberibcp:FICOScore750To799Memberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:ResortLendingMemberibcp:FICOScore700To749Memberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:ResortLendingMemberibcp:FICOScore650To699Memberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:ResortLendingMemberibcp:FICOScore600To649Memberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:ResortLendingMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScore550To599Member2023-06-300000039311ibcp:ResortLendingMemberibcp:FICOScore500To549Memberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:ResortLendingMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreUnder500Member2023-06-300000039311ibcp:ResortLendingMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreUnknownMember2023-06-300000039311ibcp:ResortLendingMemberus-gaap:ResidentialPortfolioSegmentMember2023-01-012023-06-300000039311us-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreGreaterThan800Member2023-06-300000039311ibcp:FICOScore750To799Memberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:FICOScore700To749Memberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:FICOScore650To699Memberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311ibcp:FICOScore600To649Memberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311us-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScore550To599Member2023-06-300000039311ibcp:FICOScore500To549Memberus-gaap:ResidentialPortfolioSegmentMember2023-06-300000039311us-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreUnder500Member2023-06-300000039311us-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreUnknownMember2023-06-300000039311ibcp:Family14OwnerOccupiedJumboMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreGreaterThan800Member2022-12-310000039311ibcp:Family14OwnerOccupiedJumboMemberibcp:FICOScore750To799Memberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:Family14OwnerOccupiedJumboMemberibcp:FICOScore700To749Memberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:Family14OwnerOccupiedJumboMemberibcp:FICOScore650To699Memberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:Family14OwnerOccupiedJumboMemberibcp:FICOScore600To649Memberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:Family14OwnerOccupiedJumboMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScore550To599Member2022-12-310000039311ibcp:Family14OwnerOccupiedJumboMemberibcp:FICOScore500To549Memberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:Family14OwnerOccupiedJumboMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreUnder500Member2022-12-310000039311ibcp:Family14OwnerOccupiedJumboMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreUnknownMember2022-12-310000039311ibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreGreaterThan800Member2022-12-310000039311ibcp:FICOScore750To799Memberibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:FICOScore700To749Memberibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:Family14OwnerOccupiedNonJumboMemberibcp:FICOScore650To699Memberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:FICOScore600To649Memberibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScore550To599Member2022-12-310000039311ibcp:FICOScore500To549Memberibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreUnder500Member2022-12-310000039311ibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreUnknownMember2022-12-310000039311us-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreGreaterThan800Memberibcp:Family14NonOwnerOccupiedMember2022-12-310000039311ibcp:FICOScore750To799Memberus-gaap:ResidentialPortfolioSegmentMemberibcp:Family14NonOwnerOccupiedMember2022-12-310000039311ibcp:FICOScore700To749Memberus-gaap:ResidentialPortfolioSegmentMemberibcp:Family14NonOwnerOccupiedMember2022-12-310000039311ibcp:FICOScore650To699Memberus-gaap:ResidentialPortfolioSegmentMemberibcp:Family14NonOwnerOccupiedMember2022-12-310000039311ibcp:FICOScore600To649Memberus-gaap:ResidentialPortfolioSegmentMemberibcp:Family14NonOwnerOccupiedMember2022-12-310000039311us-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScore550To599Memberibcp:Family14NonOwnerOccupiedMember2022-12-310000039311ibcp:FICOScore500To549Memberus-gaap:ResidentialPortfolioSegmentMemberibcp:Family14NonOwnerOccupiedMember2022-12-310000039311us-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreUnder500Memberibcp:Family14NonOwnerOccupiedMember2022-12-310000039311us-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreUnknownMemberibcp:Family14NonOwnerOccupiedMember2022-12-310000039311ibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreGreaterThan800Member2022-12-310000039311ibcp:FICOScore750To799Memberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:FICOScore700To749Memberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:FICOScore650To699Memberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:FICOScore600To649Memberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScore550To599Member2022-12-310000039311ibcp:FICOScore500To549Memberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreUnder500Member2022-12-310000039311ibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreUnknownMember2022-12-310000039311ibcp:ResortLendingMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreGreaterThan800Member2022-12-310000039311ibcp:ResortLendingMemberibcp:FICOScore750To799Memberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:ResortLendingMemberibcp:FICOScore700To749Memberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:ResortLendingMemberibcp:FICOScore650To699Memberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:ResortLendingMemberibcp:FICOScore600To649Memberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:ResortLendingMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScore550To599Member2022-12-310000039311ibcp:ResortLendingMemberibcp:FICOScore500To549Memberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:ResortLendingMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreUnder500Member2022-12-310000039311ibcp:ResortLendingMemberus-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreUnknownMember2022-12-310000039311us-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreGreaterThan800Member2022-12-310000039311ibcp:FICOScore750To799Memberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:FICOScore700To749Memberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:FICOScore650To699Memberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311ibcp:FICOScore600To649Memberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311us-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScore550To599Member2022-12-310000039311ibcp:FICOScore500To549Memberus-gaap:ResidentialPortfolioSegmentMember2022-12-310000039311us-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreUnder500Member2022-12-310000039311us-gaap:ResidentialPortfolioSegmentMemberibcp:FICOScoreUnknownMember2022-12-310000039311ibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMemberibcp:FICOScoreGreaterThan800Member2023-06-300000039311ibcp:BoatLendingMemberibcp:FICOScore750To799Memberibcp:InstallmentPortfolioSegmentMember2023-06-300000039311ibcp:BoatLendingMemberibcp:FICOScore700To749Memberibcp:InstallmentPortfolioSegmentMember2023-06-300000039311ibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMemberibcp:FICOScore650To699Member2023-06-300000039311ibcp:BoatLendingMemberibcp:FICOScore600To649Memberibcp:InstallmentPortfolioSegmentMember2023-06-300000039311ibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMemberibcp:FICOScore550To599Member2023-06-300000039311ibcp:BoatLendingMemberibcp:FICOScore500To549Memberibcp:InstallmentPortfolioSegmentMember2023-06-300000039311ibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMemberibcp:FICOScoreUnder500Member2023-06-300000039311ibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMemberibcp:FICOScoreUnknownMember2023-06-300000039311ibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMember2023-01-012023-06-300000039311ibcp:InstallmentPortfolioSegmentMemberibcp:FICOScoreGreaterThan800Memberibcp:RecreationalVehicleLendingMember2023-06-300000039311ibcp:FICOScore750To799Memberibcp:InstallmentPortfolioSegmentMemberibcp:RecreationalVehicleLendingMember2023-06-300000039311ibcp:FICOScore700To749Memberibcp:InstallmentPortfolioSegmentMemberibcp:RecreationalVehicleLendingMember2023-06-300000039311ibcp:InstallmentPortfolioSegmentMemberibcp:FICOScore650To699Memberibcp:RecreationalVehicleLendingMember2023-06-300000039311ibcp:FICOScore600To649Memberibcp:InstallmentPortfolioSegmentMemberibcp:RecreationalVehicleLendingMember2023-06-300000039311ibcp:InstallmentPortfolioSegmentMemberibcp:FICOScore550To599Memberibcp:RecreationalVehicleLendingMember2023-06-300000039311ibcp:FICOScore500To549Memberibcp:InstallmentPortfolioSegmentMemberibcp:RecreationalVehicleLendingMember2023-06-300000039311ibcp:InstallmentPortfolioSegmentMemberibcp:FICOScoreUnder500Memberibcp:RecreationalVehicleLendingMember2023-06-300000039311ibcp:InstallmentPortfolioSegmentMemberibcp:FICOScoreUnknownMemberibcp:RecreationalVehicleLendingMember2023-06-300000039311ibcp:InstallmentPortfolioSegmentMemberibcp:RecreationalVehicleLendingMember2023-01-012023-06-300000039311ibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMemberibcp:FICOScoreGreaterThan800Member2023-06-300000039311ibcp:InstallmentOtherMemberibcp:FICOScore750To799Memberibcp:InstallmentPortfolioSegmentMember2023-06-300000039311ibcp:InstallmentOtherMemberibcp:FICOScore700To749Memberibcp:InstallmentPortfolioSegmentMember2023-06-300000039311ibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMemberibcp:FICOScore650To699Member2023-06-300000039311ibcp:InstallmentOtherMemberibcp:FICOScore600To649Memberibcp:InstallmentPortfolioSegmentMember2023-06-300000039311ibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMemberibcp:FICOScore550To599Member2023-06-300000039311ibcp:InstallmentOtherMemberibcp:FICOScore500To549Memberibcp:InstallmentPortfolioSegmentMember2023-06-300000039311ibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMemberibcp:FICOScoreUnder500Member2023-06-300000039311ibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMemberibcp:FICOScoreUnknownMember2023-06-300000039311ibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMember2023-01-012023-06-300000039311ibcp:InstallmentPortfolioSegmentMemberibcp:FICOScoreGreaterThan800Member2023-06-300000039311ibcp:FICOScore750To799Memberibcp:InstallmentPortfolioSegmentMember2023-06-300000039311ibcp:FICOScore700To749Memberibcp:InstallmentPortfolioSegmentMember2023-06-300000039311ibcp:InstallmentPortfolioSegmentMemberibcp:FICOScore650To699Member2023-06-300000039311ibcp:FICOScore600To649Memberibcp:InstallmentPortfolioSegmentMember2023-06-300000039311ibcp:InstallmentPortfolioSegmentMemberibcp:FICOScore550To599Member2023-06-300000039311ibcp:FICOScore500To549Memberibcp:InstallmentPortfolioSegmentMember2023-06-300000039311ibcp:InstallmentPortfolioSegmentMemberibcp:FICOScoreUnder500Member2023-06-300000039311ibcp:InstallmentPortfolioSegmentMemberibcp:FICOScoreUnknownMember2023-06-300000039311ibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMemberibcp:FICOScoreGreaterThan800Member2022-12-310000039311ibcp:BoatLendingMemberibcp:FICOScore750To799Memberibcp:InstallmentPortfolioSegmentMember2022-12-310000039311ibcp:BoatLendingMemberibcp:FICOScore700To749Memberibcp:InstallmentPortfolioSegmentMember2022-12-310000039311ibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMemberibcp:FICOScore650To699Member2022-12-310000039311ibcp:BoatLendingMemberibcp:FICOScore600To649Memberibcp:InstallmentPortfolioSegmentMember2022-12-310000039311ibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMemberibcp:FICOScore550To599Member2022-12-310000039311ibcp:BoatLendingMemberibcp:FICOScore500To549Memberibcp:InstallmentPortfolioSegmentMember2022-12-310000039311ibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMemberibcp:FICOScoreUnder500Member2022-12-310000039311ibcp:BoatLendingMemberibcp:InstallmentPortfolioSegmentMemberibcp:FICOScoreUnknownMember2022-12-310000039311ibcp:InstallmentPortfolioSegmentMemberibcp:FICOScoreGreaterThan800Memberibcp:RecreationalVehicleLendingMember2022-12-310000039311ibcp:FICOScore750To799Memberibcp:InstallmentPortfolioSegmentMemberibcp:RecreationalVehicleLendingMember2022-12-310000039311ibcp:FICOScore700To749Memberibcp:InstallmentPortfolioSegmentMemberibcp:RecreationalVehicleLendingMember2022-12-310000039311ibcp:InstallmentPortfolioSegmentMemberibcp:FICOScore650To699Memberibcp:RecreationalVehicleLendingMember2022-12-310000039311ibcp:FICOScore600To649Memberibcp:InstallmentPortfolioSegmentMemberibcp:RecreationalVehicleLendingMember2022-12-310000039311ibcp:InstallmentPortfolioSegmentMemberibcp:FICOScore550To599Memberibcp:RecreationalVehicleLendingMember2022-12-310000039311ibcp:FICOScore500To549Memberibcp:InstallmentPortfolioSegmentMemberibcp:RecreationalVehicleLendingMember2022-12-310000039311ibcp:InstallmentPortfolioSegmentMemberibcp:FICOScoreUnder500Memberibcp:RecreationalVehicleLendingMember2022-12-310000039311ibcp:InstallmentPortfolioSegmentMemberibcp:FICOScoreUnknownMemberibcp:RecreationalVehicleLendingMember2022-12-310000039311ibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMemberibcp:FICOScoreGreaterThan800Member2022-12-310000039311ibcp:InstallmentOtherMemberibcp:FICOScore750To799Memberibcp:InstallmentPortfolioSegmentMember2022-12-310000039311ibcp:InstallmentOtherMemberibcp:FICOScore700To749Memberibcp:InstallmentPortfolioSegmentMember2022-12-310000039311ibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMemberibcp:FICOScore650To699Member2022-12-310000039311ibcp:InstallmentOtherMemberibcp:FICOScore600To649Memberibcp:InstallmentPortfolioSegmentMember2022-12-310000039311ibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMemberibcp:FICOScore550To599Member2022-12-310000039311ibcp:InstallmentOtherMemberibcp:FICOScore500To549Memberibcp:InstallmentPortfolioSegmentMember2022-12-310000039311ibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMemberibcp:FICOScoreUnder500Member2022-12-310000039311ibcp:InstallmentOtherMemberibcp:InstallmentPortfolioSegmentMemberibcp:FICOScoreUnknownMember2022-12-310000039311ibcp:InstallmentPortfolioSegmentMemberibcp:FICOScoreGreaterThan800Member2022-12-310000039311ibcp:FICOScore750To799Memberibcp:InstallmentPortfolioSegmentMember2022-12-310000039311ibcp:FICOScore700To749Memberibcp:InstallmentPortfolioSegmentMember2022-12-310000039311ibcp:InstallmentPortfolioSegmentMemberibcp:FICOScore650To699Member2022-12-310000039311ibcp:FICOScore600To649Memberibcp:InstallmentPortfolioSegmentMember2022-12-310000039311ibcp:InstallmentPortfolioSegmentMemberibcp:FICOScore550To599Member2022-12-310000039311ibcp:FICOScore500To549Memberibcp:InstallmentPortfolioSegmentMember2022-12-310000039311ibcp:InstallmentPortfolioSegmentMemberibcp:FICOScoreUnder500Member2022-12-310000039311ibcp:InstallmentPortfolioSegmentMemberibcp:FICOScoreUnknownMember2022-12-310000039311us-gaap:FixedRateResidentialMortgageMember2023-04-012023-06-300000039311us-gaap:FixedRateResidentialMortgageMember2023-01-012023-06-300000039311us-gaap:FixedRateResidentialMortgageMember2022-01-012022-03-310000039311us-gaap:FixedRateResidentialMortgageMember2022-04-012022-06-300000039311us-gaap:CommonStockMember2022-12-200000039311us-gaap:EmployeeStockOptionMember2022-04-012022-06-300000039311us-gaap:EmployeeStockOptionMember2023-04-012023-06-300000039311us-gaap:EmployeeStockOptionMember2022-01-012022-06-300000039311us-gaap:EmployeeStockOptionMember2023-01-012023-06-300000039311us-gaap:FixedIncomeInterestRateMemberus-gaap:InterestRateSwapMemberus-gaap:FairValueHedgingMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember2023-06-300000039311us-gaap:FixedIncomeInterestRateMemberus-gaap:InterestRateSwapMemberus-gaap:FairValueHedgingMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember2023-01-012023-06-300000039311us-gaap:FixedIncomeInterestRateMemberibcp:InterestRateSwapNoncommercialMemberus-gaap:FairValueHedgingMember2023-06-300000039311us-gaap:FixedIncomeInterestRateMemberibcp:InterestRateSwapNoncommercialMemberus-gaap:FairValueHedgingMember2023-01-012023-06-300000039311us-gaap:FixedIncomeInterestRateMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:InterestRateSwapMemberus-gaap:FairValueHedgingMember2023-06-300000039311us-gaap:FixedIncomeInterestRateMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:InterestRateSwapMemberus-gaap:FairValueHedgingMember2023-01-012023-06-300000039311us-gaap:FairValueHedgingMemberus-gaap:InterestRateCapMember2023-06-300000039311us-gaap:FairValueHedgingMemberus-gaap:InterestRateCapMember2023-01-012023-06-300000039311us-gaap:FairValueHedgingMember2023-06-300000039311us-gaap:FairValueHedgingMember2023-01-012023-06-300000039311us-gaap:NondesignatedMemberus-gaap:InterestRateLockCommitmentsMember2023-06-300000039311us-gaap:NondesignatedMemberus-gaap:InterestRateLockCommitmentsMember2023-01-012023-06-300000039311ibcp:MandatoryCommitmentsToSellMortgageLoansMemberus-gaap:NondesignatedMember2023-06-300000039311ibcp:MandatoryCommitmentsToSellMortgageLoansMemberus-gaap:NondesignatedMember2023-01-012023-06-300000039311us-gaap:FixedIncomeInterestRateMemberus-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember2023-06-300000039311us-gaap:FixedIncomeInterestRateMemberus-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember2023-01-012023-06-300000039311us-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMemberus-gaap:VariableIncomeInterestRateMember2023-06-300000039311us-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMemberus-gaap:VariableIncomeInterestRateMember2023-01-012023-06-300000039311us-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberus-gaap:VariableIncomeInterestRateMember2023-06-300000039311us-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberus-gaap:VariableIncomeInterestRateMember2023-01-012023-06-300000039311us-gaap:NondesignatedMember2023-06-300000039311us-gaap:NondesignatedMember2023-01-012023-06-300000039311us-gaap:FixedIncomeInterestRateMemberus-gaap:InterestRateSwapMemberus-gaap:FairValueHedgingMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember2022-12-310000039311us-gaap:FixedIncomeInterestRateMemberus-gaap:InterestRateSwapMemberus-gaap:FairValueHedgingMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember2022-01-012022-12-310000039311us-gaap:FixedIncomeInterestRateMemberibcp:InterestRateSwapNoncommercialMemberus-gaap:FairValueHedgingMember2022-12-310000039311us-gaap:FixedIncomeInterestRateMemberibcp:InterestRateSwapNoncommercialMemberus-gaap:FairValueHedgingMember2022-01-012022-12-310000039311us-gaap:FixedIncomeInterestRateMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:InterestRateSwapMemberus-gaap:FairValueHedgingMember2022-12-310000039311us-gaap:FixedIncomeInterestRateMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:InterestRateSwapMemberus-gaap:FairValueHedgingMember2022-01-012022-12-310000039311us-gaap:FairValueHedgingMemberus-gaap:InterestRateCapMember2022-12-310000039311us-gaap:FairValueHedgingMemberus-gaap:InterestRateCapMember2022-01-012022-12-310000039311us-gaap:FairValueHedgingMember2022-12-310000039311us-gaap:FairValueHedgingMember2022-01-012022-12-310000039311us-gaap:NondesignatedMemberus-gaap:InterestRateLockCommitmentsMember2022-12-310000039311us-gaap:NondesignatedMemberus-gaap:InterestRateLockCommitmentsMember2022-01-012022-12-310000039311ibcp:MandatoryCommitmentsToSellMortgageLoansMemberus-gaap:NondesignatedMember2022-12-310000039311ibcp:MandatoryCommitmentsToSellMortgageLoansMemberus-gaap:NondesignatedMember2022-01-012022-12-310000039311us-gaap:FixedIncomeInterestRateMemberus-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember2022-12-310000039311us-gaap:FixedIncomeInterestRateMemberus-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember2022-01-012022-12-310000039311us-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMemberus-gaap:VariableIncomeInterestRateMember2022-12-310000039311us-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMemberus-gaap:VariableIncomeInterestRateMember2022-01-012022-12-310000039311us-gaap:NondesignatedMember2022-12-310000039311us-gaap:NondesignatedMember2022-01-012022-12-310000039311us-gaap:FixedIncomeInterestRateMemberus-gaap:OtherAssetsMemberus-gaap:InterestRateSwapMemberus-gaap:DesignatedAsHedgingInstrumentMember2023-06-300000039311us-gaap:FixedIncomeInterestRateMemberus-gaap:OtherAssetsMemberus-gaap:InterestRateSwapMemberus-gaap:DesignatedAsHedgingInstrumentMember2022-12-310000039311us-gaap:OtherLiabilitiesMemberus-gaap:FixedIncomeInterestRateMemberus-gaap:InterestRateSwapMemberus-gaap:DesignatedAsHedgingInstrumentMember2023-06-300000039311us-gaap:OtherLiabilitiesMemberus-gaap:FixedIncomeInterestRateMemberus-gaap:InterestRateSwapMemberus-gaap:DesignatedAsHedgingInstrumentMember2022-12-310000039311us-gaap:OtherAssetsMemberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:InterestRateCapMember2023-06-300000039311us-gaap:OtherAssetsMemberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:InterestRateCapMember2022-12-310000039311us-gaap:OtherLiabilitiesMemberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:InterestRateCapMember2023-06-300000039311us-gaap:OtherLiabilitiesMemberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:InterestRateCapMember2022-12-310000039311us-gaap:DesignatedAsHedgingInstrumentMember2023-06-300000039311us-gaap:DesignatedAsHedgingInstrumentMember2022-12-310000039311us-gaap:OtherAssetsMemberus-gaap:NondesignatedMemberus-gaap:InterestRateLockCommitmentsMember2023-06-300000039311us-gaap:OtherAssetsMemberus-gaap:NondesignatedMemberus-gaap:InterestRateLockCommitmentsMember2022-12-310000039311us-gaap:OtherLiabilitiesMemberus-gaap:NondesignatedMemberus-gaap:InterestRateLockCommitmentsMember2023-06-300000039311us-gaap:OtherLiabilitiesMemberus-gaap:NondesignatedMemberus-gaap:InterestRateLockCommitmentsMember2022-12-310000039311us-gaap:OtherAssetsMemberus-gaap:NondesignatedMemberibcp:MandatoryCommitmentsToSellMortgageLoansMember2023-06-300000039311us-gaap:OtherAssetsMemberus-gaap:NondesignatedMemberibcp:MandatoryCommitmentsToSellMortgageLoansMember2022-12-310000039311us-gaap:OtherLiabilitiesMemberus-gaap:NondesignatedMemberibcp:MandatoryCommitmentsToSellMortgageLoansMember2023-06-300000039311us-gaap:OtherLiabilitiesMemberus-gaap:NondesignatedMemberibcp:MandatoryCommitmentsToSellMortgageLoansMember2022-12-310000039311us-gaap:OtherAssetsMemberus-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberus-gaap:VariableIncomeInterestRateMember2023-06-300000039311us-gaap:OtherAssetsMemberus-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberus-gaap:VariableIncomeInterestRateMember2022-12-310000039311us-gaap:OtherLiabilitiesMemberus-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberus-gaap:VariableIncomeInterestRateMember2023-06-300000039311us-gaap:OtherLiabilitiesMemberus-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberus-gaap:VariableIncomeInterestRateMember2022-12-310000039311us-gaap:FixedIncomeInterestRateMemberus-gaap:OtherAssetsMemberus-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember2023-06-300000039311us-gaap:FixedIncomeInterestRateMemberus-gaap:OtherAssetsMemberus-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember2022-12-310000039311us-gaap:OtherLiabilitiesMemberus-gaap:FixedIncomeInterestRateMemberus-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember2023-06-300000039311us-gaap:OtherLiabilitiesMemberus-gaap:FixedIncomeInterestRateMemberus-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember2022-12-310000039311us-gaap:OtherAssetsMemberus-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMemberus-gaap:VariableIncomeInterestRateMember2023-06-300000039311us-gaap:OtherAssetsMemberus-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMemberus-gaap:VariableIncomeInterestRateMember2022-12-310000039311us-gaap:OtherLiabilitiesMemberus-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMemberus-gaap:VariableIncomeInterestRateMember2023-06-300000039311us-gaap:OtherLiabilitiesMemberus-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMemberus-gaap:VariableIncomeInterestRateMember2022-12-310000039311us-gaap:FixedIncomeInterestRateMemberus-gaap:InterestRateSwapMemberus-gaap:FairValueHedgingMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember2022-04-012022-06-300000039311us-gaap:FixedIncomeInterestRateMemberus-gaap:InterestRateSwapMemberus-gaap:FairValueHedgingMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember2023-04-012023-06-300000039311us-gaap:FixedIncomeInterestRateMemberibcp:InterestRateSwapNoncommercialMemberus-gaap:FairValueHedgingMember2022-04-012022-06-300000039311us-gaap:FixedIncomeInterestRateMemberibcp:InterestRateSwapNoncommercialMemberus-gaap:FairValueHedgingMember2023-04-012023-06-300000039311us-gaap:FixedIncomeInterestRateMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:InterestRateSwapMemberus-gaap:FairValueHedgingMember2023-04-012023-06-300000039311us-gaap:FixedIncomeInterestRateMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:InterestRateSwapMemberus-gaap:FairValueHedgingMember2022-04-012022-06-300000039311ibcp:InterestRateCapNoncommercialMemberus-gaap:FairValueHedgingMember2023-04-012023-06-300000039311ibcp:InterestRateCapNoncommercialMemberus-gaap:FairValueHedgingMember2022-04-012022-06-300000039311ibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueHedgingMemberus-gaap:InterestRateCapMember2023-04-012023-06-300000039311ibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueHedgingMemberus-gaap:InterestRateCapMember2022-04-012022-06-300000039311us-gaap:FairValueHedgingMemberus-gaap:InterestRateCapMember2023-04-012023-06-300000039311us-gaap:FairValueHedgingMemberus-gaap:InterestRateCapMember2022-04-012022-06-300000039311us-gaap:NondesignatedMemberus-gaap:InterestRateLockCommitmentsMember2022-04-012022-06-300000039311us-gaap:NondesignatedMemberus-gaap:InterestRateLockCommitmentsMember2023-04-012023-06-300000039311ibcp:MandatoryCommitmentsToSellMortgageLoansMemberus-gaap:NondesignatedMember2022-04-012022-06-300000039311ibcp:MandatoryCommitmentsToSellMortgageLoansMemberus-gaap:NondesignatedMember2023-04-012023-06-300000039311us-gaap:FixedIncomeInterestRateMemberus-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember2022-04-012022-06-300000039311us-gaap:FixedIncomeInterestRateMemberus-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember2023-04-012023-06-300000039311us-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMemberus-gaap:VariableIncomeInterestRateMember2023-04-012023-06-300000039311us-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMemberus-gaap:VariableIncomeInterestRateMember2022-04-012022-06-300000039311us-gaap:NondesignatedMemberus-gaap:InterestRateSwaptionMember2023-04-012023-06-300000039311us-gaap:NondesignatedMemberus-gaap:InterestRateSwaptionMember2022-04-012022-06-300000039311us-gaap:FixedIncomeInterestRateMemberus-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberus-gaap:ResidentialPortfolioSegmentMember2023-04-012023-06-300000039311us-gaap:FixedIncomeInterestRateMemberus-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberus-gaap:ResidentialPortfolioSegmentMember2022-04-012022-06-300000039311us-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberus-gaap:VariableIncomeInterestRateMember2023-04-012023-06-300000039311us-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberus-gaap:VariableIncomeInterestRateMember2022-04-012022-06-300000039311us-gaap:NondesignatedMemberus-gaap:InterestRateCapMember2022-04-012022-06-300000039311us-gaap:NondesignatedMemberus-gaap:InterestRateCapMember2023-04-012023-06-300000039311us-gaap:NondesignatedMember2023-04-012023-06-300000039311us-gaap:NondesignatedMember2022-04-012022-06-300000039311us-gaap:FixedIncomeInterestRateMemberus-gaap:InterestRateSwapMemberus-gaap:FairValueHedgingMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember2022-01-012022-06-300000039311us-gaap:FixedIncomeInterestRateMemberibcp:InterestRateSwapNoncommercialMemberus-gaap:FairValueHedgingMember2022-01-012022-06-300000039311us-gaap:FixedIncomeInterestRateMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:InterestRateSwapMemberus-gaap:FairValueHedgingMember2022-01-012022-06-300000039311ibcp:InterestRateCapNoncommercialMemberus-gaap:FairValueHedgingMember2023-01-012023-06-300000039311ibcp:InterestRateCapNoncommercialMemberus-gaap:FairValueHedgingMember2022-01-012022-06-300000039311ibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueHedgingMemberus-gaap:InterestRateCapMember2023-01-012023-06-300000039311ibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueHedgingMemberus-gaap:InterestRateCapMember2022-01-012022-06-300000039311us-gaap:FairValueHedgingMemberus-gaap:InterestRateCapMember2022-01-012022-06-300000039311us-gaap:NondesignatedMemberus-gaap:InterestRateLockCommitmentsMember2022-01-012022-06-300000039311ibcp:MandatoryCommitmentsToSellMortgageLoansMemberus-gaap:NondesignatedMember2022-01-012022-06-300000039311us-gaap:FixedIncomeInterestRateMemberus-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember2022-01-012022-06-300000039311us-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberibcp:CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMemberus-gaap:VariableIncomeInterestRateMember2022-01-012022-06-300000039311us-gaap:NondesignatedMemberus-gaap:InterestRateSwaptionMember2023-01-012023-06-300000039311us-gaap:NondesignatedMemberus-gaap:InterestRateSwaptionMember2022-01-012022-06-300000039311us-gaap:FixedIncomeInterestRateMemberus-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberus-gaap:ResidentialPortfolioSegmentMember2023-01-012023-06-300000039311us-gaap:FixedIncomeInterestRateMemberus-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberus-gaap:ResidentialPortfolioSegmentMember2022-01-012022-06-300000039311us-gaap:NondesignatedMemberus-gaap:InterestRateSwapMemberus-gaap:VariableIncomeInterestRateMember2022-01-012022-06-300000039311us-gaap:NondesignatedMemberus-gaap:InterestRateCapMember2023-01-012023-06-300000039311us-gaap:NondesignatedMemberus-gaap:InterestRateCapMember2022-01-012022-06-300000039311us-gaap:NondesignatedMember2022-01-012022-06-300000039311ibcp:NonEmployeeDirectorsMember2023-01-012023-06-300000039311us-gaap:RestrictedStockMemberibcp:LongTermIncentivePlanMember2023-04-012023-06-300000039311us-gaap:RestrictedStockMemberibcp:LongTermIncentivePlanMember2022-04-012022-06-300000039311us-gaap:RestrictedStockMemberibcp:LongTermIncentivePlanMember2023-01-012023-06-300000039311us-gaap:RestrictedStockMemberibcp:LongTermIncentivePlanMember2022-01-012022-06-300000039311ibcp:LongTermIncentivePlanMemberus-gaap:PerformanceSharesMember2023-04-012023-06-300000039311ibcp:LongTermIncentivePlanMemberus-gaap:PerformanceSharesMember2022-04-012022-06-300000039311ibcp:LongTermIncentivePlanMemberus-gaap:PerformanceSharesMember2023-01-012023-06-300000039311ibcp:LongTermIncentivePlanMemberus-gaap:PerformanceSharesMember2022-01-012022-06-300000039311us-gaap:RestrictedStockMemberibcp:LongTermIncentivePlanMemberus-gaap:ShareBasedCompensationAwardTrancheTwoMember2022-01-012022-06-300000039311ibcp:LongTermIncentivePlanMemberus-gaap:ShareBasedCompensationAwardTrancheTwoMemberus-gaap:PerformanceSharesMember2023-01-012023-06-300000039311us-gaap:RestrictedStockMemberibcp:LongTermIncentivePlanMemberus-gaap:ShareBasedCompensationAwardTrancheTwoMember2023-01-012023-06-300000039311ibcp:LongTermIncentivePlanMemberus-gaap:ShareBasedCompensationAwardTrancheTwoMemberus-gaap:PerformanceSharesMember2022-01-012022-06-30xbrli:pure0000039311srt:DirectorMember2023-01-012023-06-300000039311srt:DirectorMember2022-01-012022-06-300000039311ibcp:LongTermIncentivePlanMember2023-04-012023-06-300000039311ibcp:LongTermIncentivePlanMember2023-01-012023-06-300000039311ibcp:LongTermIncentivePlanMember2022-04-012022-06-300000039311ibcp:LongTermIncentivePlanMember2022-01-012022-06-300000039311ibcp:NonEmployeeDirectorsMember2023-04-012023-06-300000039311ibcp:NonEmployeeDirectorsMember2022-04-012022-06-300000039311ibcp:NonEmployeeDirectorsMember2022-01-012022-06-300000039311us-gaap:EmployeeStockOptionMember2022-12-310000039311us-gaap:EmployeeStockOptionMember2023-01-012023-06-300000039311us-gaap:EmployeeStockOptionMember2023-06-300000039311ibcp:NonVestedRestrictedStockAndPerformanceStockUnitsMember2022-12-310000039311ibcp:NonVestedRestrictedStockAndPerformanceStockUnitsMember2023-01-012023-06-300000039311ibcp:NonVestedRestrictedStockAndPerformanceStockUnitsMember2023-06-300000039311us-gaap:EmployeeStockOptionMember2023-04-012023-06-300000039311us-gaap:EmployeeStockOptionMember2022-04-012022-06-300000039311us-gaap:EmployeeStockOptionMember2022-01-012022-06-300000039311us-gaap:ConsolidatedEntitiesMember2023-06-300000039311ibcp:IndependentBankMember2023-06-300000039311us-gaap:ConsolidatedEntitiesMember2022-12-310000039311ibcp:IndependentBankMember2022-12-310000039311us-gaap:USGovernmentCorporationsAndAgenciesSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2023-06-300000039311us-gaap:USGovernmentCorporationsAndAgenciesSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2023-06-300000039311us-gaap:USGovernmentCorporationsAndAgenciesSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2023-06-300000039311us-gaap:FairValueInputsLevel3Memberus-gaap:USGovernmentCorporationsAndAgenciesSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2023-06-300000039311us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2023-06-300000039311us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Memberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2023-06-300000039311us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2023-06-300000039311us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2023-06-300000039311us-gaap:FairValueMeasurementsRecurringMemberus-gaap:CommercialMortgageBackedSecuritiesMember2023-06-300000039311us-gaap:FairValueMeasurementsRecurringMemberus-gaap:CommercialMortgageBackedSecuritiesMemberus-gaap:FairValueInputsLevel1Member2023-06-300000039311us-gaap:FairValueMeasurementsRecurringMemberus-gaap:CommercialMortgageBackedSecuritiesMemberus-gaap:FairValueInputsLevel2Member2023-06-300000039311us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:CommercialMortgageBackedSecuritiesMember2023-06-300000039311us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMemberus-gaap:FairValueMeasurementsRecurringMember2023-06-300000039311us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2023-06-300000039311us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2023-06-300000039311us-gaap:FairValueInputsLevel3Memberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMemberus-gaap:FairValueMeasurementsRecurringMember2023-06-300000039311us-gaap:FairValueMeasurementsRecurringMemberus-gaap:AssetBackedSecuritiesMember2023-06-300000039311us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Memberus-gaap:AssetBackedSecuritiesMember2023-06-300000039311us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:AssetBackedSecuritiesMember2023-06-300000039311us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:AssetBackedSecuritiesMember2023-06-300000039311us-gaap:USStatesAndPoliticalSubdivisionsMemberus-gaap:FairValueMeasurementsRecurringMember2023-06-300000039311us-gaap:USStatesAndPoliticalSubdivisionsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2023-06-300000039311us-gaap:USStatesAndPoliticalSubdivisionsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2023-06-300000039311us-gaap:FairValueInputsLevel3Memberus-gaap:USStatesAndPoliticalSubdivisionsMemberus-gaap:FairValueMeasurementsRecurringMember2023-06-300000039311us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2023-06-300000039311us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2023-06-300000039311us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2023-06-300000039311us-gaap:FairValueInputsLevel3Memberus-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2023-06-300000039311us-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMemberus-gaap:FairValueMeasurementsRecurringMember2023-06-300000039311us-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2023-06-300000039311us-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2023-06-300000039311us-gaap:FairValueInputsLevel3Memberus-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMemberus-gaap:FairValueMeasurementsRecurringMember2023-06-300000039311us-gaap:FairValueMeasurementsRecurringMember2023-06-300000039311us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2023-06-300000039311us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2023-06-300000039311us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CollateralDependentLoansMemberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:CommercialAndIndustrialMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CollateralDependentLoansMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:CommercialAndIndustrialMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CollateralDependentLoansMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:CommercialAndIndustrialMember2023-06-300000039311us-gaap:FairValueInputsLevel3Memberus-gaap:CommercialPortfolioSegmentMemberibcp:CollateralDependentLoansMemberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:CommercialAndIndustrialMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberibcp:CollateralDependentLoansMemberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberibcp:CollateralDependentLoansMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberibcp:CollateralDependentLoansMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311us-gaap:FairValueInputsLevel3Memberus-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberibcp:CollateralDependentLoansMemberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311ibcp:CollateralDependentLoansMemberibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311ibcp:CollateralDependentLoansMemberibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311ibcp:CollateralDependentLoansMemberibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311us-gaap:FairValueInputsLevel3Memberibcp:CollateralDependentLoansMemberibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311ibcp:CollateralDependentLoansMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:Family14NonOwnerOccupiedMember2023-06-300000039311ibcp:CollateralDependentLoansMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:Family14NonOwnerOccupiedMember2023-06-300000039311ibcp:CollateralDependentLoansMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:Family14NonOwnerOccupiedMember2023-06-300000039311us-gaap:FairValueInputsLevel3Memberibcp:CollateralDependentLoansMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:Family14NonOwnerOccupiedMember2023-06-300000039311ibcp:CollateralDependentLoansMemberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311ibcp:CollateralDependentLoansMemberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311ibcp:CollateralDependentLoansMemberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311us-gaap:FairValueInputsLevel3Memberibcp:CollateralDependentLoansMemberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311ibcp:ResortLendingMemberibcp:CollateralDependentLoansMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311ibcp:ResortLendingMemberibcp:CollateralDependentLoansMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311ibcp:ResortLendingMemberibcp:CollateralDependentLoansMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311us-gaap:FairValueInputsLevel3Memberibcp:ResortLendingMemberibcp:CollateralDependentLoansMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311ibcp:BoatLendingMemberibcp:CollateralDependentLoansMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311ibcp:BoatLendingMemberibcp:CollateralDependentLoansMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311ibcp:BoatLendingMemberibcp:CollateralDependentLoansMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311us-gaap:FairValueInputsLevel3Memberibcp:BoatLendingMemberibcp:CollateralDependentLoansMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311ibcp:CollateralDependentLoansMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:RecreationalVehicleLendingMember2023-06-300000039311ibcp:CollateralDependentLoansMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:RecreationalVehicleLendingMember2023-06-300000039311ibcp:CollateralDependentLoansMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:RecreationalVehicleLendingMember2023-06-300000039311us-gaap:FairValueInputsLevel3Memberibcp:CollateralDependentLoansMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:RecreationalVehicleLendingMember2023-06-300000039311ibcp:InstallmentOtherMemberibcp:CollateralDependentLoansMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311ibcp:InstallmentOtherMemberibcp:CollateralDependentLoansMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311ibcp:InstallmentOtherMemberibcp:CollateralDependentLoansMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311us-gaap:FairValueInputsLevel3Memberibcp:InstallmentOtherMemberibcp:CollateralDependentLoansMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:OtherRealEstateLoansMemberibcp:Family14NonOwnerOccupiedMember2023-06-300000039311us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:OtherRealEstateLoansMemberibcp:Family14NonOwnerOccupiedMember2023-06-300000039311us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:OtherRealEstateLoansMemberibcp:Family14NonOwnerOccupiedMember2023-06-300000039311us-gaap:FairValueInputsLevel3Memberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:OtherRealEstateLoansMemberibcp:Family14NonOwnerOccupiedMember2023-06-300000039311us-gaap:USGovernmentCorporationsAndAgenciesSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2022-12-310000039311us-gaap:USGovernmentCorporationsAndAgenciesSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2022-12-310000039311us-gaap:USGovernmentCorporationsAndAgenciesSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2022-12-310000039311us-gaap:FairValueInputsLevel3Memberus-gaap:USGovernmentCorporationsAndAgenciesSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2022-12-310000039311us-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2022-12-310000039311us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Memberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2022-12-310000039311us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2022-12-310000039311us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember2022-12-310000039311us-gaap:FairValueMeasurementsRecurringMemberus-gaap:CommercialMortgageBackedSecuritiesMember2022-12-310000039311us-gaap:FairValueMeasurementsRecurringMemberus-gaap:CommercialMortgageBackedSecuritiesMemberus-gaap:FairValueInputsLevel1Member2022-12-310000039311us-gaap:FairValueMeasurementsRecurringMemberus-gaap:CommercialMortgageBackedSecuritiesMemberus-gaap:FairValueInputsLevel2Member2022-12-310000039311us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:CommercialMortgageBackedSecuritiesMember2022-12-310000039311us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMemberus-gaap:FairValueMeasurementsRecurringMember2022-12-310000039311us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2022-12-310000039311us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2022-12-310000039311us-gaap:FairValueInputsLevel3Memberus-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMemberus-gaap:FairValueMeasurementsRecurringMember2022-12-310000039311us-gaap:FairValueMeasurementsRecurringMemberus-gaap:AssetBackedSecuritiesMember2022-12-310000039311us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Memberus-gaap:AssetBackedSecuritiesMember2022-12-310000039311us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:AssetBackedSecuritiesMember2022-12-310000039311us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:AssetBackedSecuritiesMember2022-12-310000039311us-gaap:USStatesAndPoliticalSubdivisionsMemberus-gaap:FairValueMeasurementsRecurringMember2022-12-310000039311us-gaap:USStatesAndPoliticalSubdivisionsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2022-12-310000039311us-gaap:USStatesAndPoliticalSubdivisionsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2022-12-310000039311us-gaap:FairValueInputsLevel3Memberus-gaap:USStatesAndPoliticalSubdivisionsMemberus-gaap:FairValueMeasurementsRecurringMember2022-12-310000039311us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2022-12-310000039311us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2022-12-310000039311us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2022-12-310000039311us-gaap:FairValueInputsLevel3Memberus-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2022-12-310000039311us-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMemberus-gaap:FairValueMeasurementsRecurringMember2022-12-310000039311us-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2022-12-310000039311us-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2022-12-310000039311us-gaap:FairValueInputsLevel3Memberus-gaap:TrustPreferredSecuritiesSubjectToMandatoryRedemptionMemberus-gaap:FairValueMeasurementsRecurringMember2022-12-310000039311us-gaap:FairValueMeasurementsRecurringMember2022-12-310000039311us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2022-12-310000039311us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2022-12-310000039311us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CollateralDependentLoansMemberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:CommercialAndIndustrialMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CollateralDependentLoansMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:CommercialAndIndustrialMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CollateralDependentLoansMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:CommercialAndIndustrialMember2022-12-310000039311us-gaap:FairValueInputsLevel3Memberus-gaap:CommercialPortfolioSegmentMemberibcp:CollateralDependentLoansMemberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:CommercialAndIndustrialMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberibcp:CollateralDependentLoansMemberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberibcp:CollateralDependentLoansMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311us-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberibcp:CollateralDependentLoansMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311us-gaap:FairValueInputsLevel3Memberus-gaap:CommercialPortfolioSegmentMemberibcp:CommercialRealEstateLoanMemberibcp:CollateralDependentLoansMemberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311ibcp:CollateralDependentLoansMemberibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311ibcp:CollateralDependentLoansMemberibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311ibcp:CollateralDependentLoansMemberibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311us-gaap:FairValueInputsLevel3Memberibcp:CollateralDependentLoansMemberibcp:Family14OwnerOccupiedNonJumboMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311ibcp:CollateralDependentLoansMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:Family14NonOwnerOccupiedMember2022-12-310000039311ibcp:CollateralDependentLoansMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:Family14NonOwnerOccupiedMember2022-12-310000039311ibcp:CollateralDependentLoansMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:Family14NonOwnerOccupiedMember2022-12-310000039311us-gaap:FairValueInputsLevel3Memberibcp:CollateralDependentLoansMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:Family14NonOwnerOccupiedMember2022-12-310000039311ibcp:CollateralDependentLoansMemberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311ibcp:CollateralDependentLoansMemberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311ibcp:CollateralDependentLoansMemberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311us-gaap:FairValueInputsLevel3Memberibcp:CollateralDependentLoansMemberibcp:Family14SecondLienMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311ibcp:ResortLendingMemberibcp:CollateralDependentLoansMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311ibcp:ResortLendingMemberibcp:CollateralDependentLoansMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311ibcp:ResortLendingMemberibcp:CollateralDependentLoansMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311us-gaap:FairValueInputsLevel3Memberibcp:ResortLendingMemberibcp:CollateralDependentLoansMemberus-gaap:ResidentialPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311ibcp:BoatLendingMemberibcp:CollateralDependentLoansMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311ibcp:BoatLendingMemberibcp:CollateralDependentLoansMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311ibcp:BoatLendingMemberibcp:CollateralDependentLoansMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311us-gaap:FairValueInputsLevel3Memberibcp:BoatLendingMemberibcp:CollateralDependentLoansMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311ibcp:CollateralDependentLoansMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:RecreationalVehicleLendingMember2022-12-310000039311ibcp:CollateralDependentLoansMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:RecreationalVehicleLendingMember2022-12-310000039311ibcp:CollateralDependentLoansMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:RecreationalVehicleLendingMember2022-12-310000039311us-gaap:FairValueInputsLevel3Memberibcp:CollateralDependentLoansMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMemberibcp:RecreationalVehicleLendingMember2022-12-310000039311ibcp:InstallmentOtherMemberibcp:CollateralDependentLoansMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311ibcp:InstallmentOtherMemberibcp:CollateralDependentLoansMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311ibcp:InstallmentOtherMemberibcp:CollateralDependentLoansMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311us-gaap:FairValueInputsLevel3Memberibcp:InstallmentOtherMemberibcp:CollateralDependentLoansMemberibcp:InstallmentPortfolioSegmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311ibcp:Family14Member2023-01-012023-06-300000039311ibcp:CapitalizedMortgageLoanServicingRightsMember2023-01-012023-06-300000039311ibcp:Family14Member2022-01-012022-06-300000039311ibcp:CapitalizedMortgageLoanServicingRightsMember2022-01-012022-06-300000039311ibcp:CapitalizedMortgageLoanServicingRightsMember2023-03-310000039311ibcp:CapitalizedMortgageLoanServicingRightsMember2022-03-310000039311ibcp:CapitalizedMortgageLoanServicingRightsMember2022-12-310000039311ibcp:CapitalizedMortgageLoanServicingRightsMember2021-12-310000039311ibcp:CapitalizedMortgageLoanServicingRightsMember2023-04-012023-06-300000039311ibcp:CapitalizedMortgageLoanServicingRightsMember2022-04-012022-06-300000039311ibcp:CapitalizedMortgageLoanServicingRightsMember2023-01-012023-06-300000039311ibcp:CapitalizedMortgageLoanServicingRightsMember2022-01-012022-06-300000039311ibcp:CapitalizedMortgageLoanServicingRightsMember2023-06-300000039311ibcp:CapitalizedMortgageLoanServicingRightsMember2022-06-300000039311us-gaap:FairValueInputsLevel3Memberibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueMeasurementsRecurringMember2023-06-300000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Membersrt:MinimumMemberus-gaap:MeasurementInputDiscountRateMemberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMember2023-06-300000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputDiscountRateMemberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMembersrt:MaximumMember2023-06-300000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputDiscountRateMemberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMembersrt:WeightedAverageMember2023-06-300000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Membersrt:MinimumMemberibcp:MeasurementInputCostToServiceApproachMemberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMember2023-06-300000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Memberibcp:MeasurementInputCostToServiceApproachMemberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMembersrt:MaximumMember2023-06-300000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Memberibcp:MeasurementInputCostToServiceApproachMemberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMembersrt:WeightedAverageMember2023-06-300000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Membersrt:MinimumMemberibcp:MeasurementInputAncillaryIncomeMemberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMember2023-06-300000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Memberibcp:MeasurementInputAncillaryIncomeMemberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMembersrt:MaximumMember2023-06-300000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Memberibcp:MeasurementInputAncillaryIncomeMemberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMembersrt:WeightedAverageMember2023-06-300000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMemberibcp:MeasurementInputFloatRateMember2023-06-300000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMembersrt:WeightedAverageMemberibcp:MeasurementInputFloatRateMember2023-06-300000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputPrepaymentRateMembersrt:MinimumMemberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMember2023-06-300000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputPrepaymentRateMemberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMembersrt:MaximumMember2023-06-300000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputPrepaymentRateMemberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMembersrt:WeightedAverageMember2023-06-300000039311us-gaap:FairValueInputsLevel3Memberibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueMeasurementsRecurringMember2022-12-310000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Membersrt:MinimumMemberus-gaap:MeasurementInputDiscountRateMemberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMember2022-12-310000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputDiscountRateMemberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMembersrt:MaximumMember2022-12-310000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputDiscountRateMemberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMembersrt:WeightedAverageMember2022-12-310000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Membersrt:MinimumMemberibcp:MeasurementInputCostToServiceApproachMemberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMember2022-12-310000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Memberibcp:MeasurementInputCostToServiceApproachMemberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMembersrt:MaximumMember2022-12-310000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Memberibcp:MeasurementInputCostToServiceApproachMemberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMembersrt:WeightedAverageMember2022-12-310000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Membersrt:MinimumMemberibcp:MeasurementInputAncillaryIncomeMemberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMember2022-12-310000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Memberibcp:MeasurementInputAncillaryIncomeMemberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMembersrt:MaximumMember2022-12-310000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Memberibcp:MeasurementInputAncillaryIncomeMemberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMembersrt:WeightedAverageMember2022-12-310000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMemberibcp:MeasurementInputFloatRateMember2022-12-310000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMembersrt:WeightedAverageMemberibcp:MeasurementInputFloatRateMember2022-12-310000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputPrepaymentRateMembersrt:MinimumMemberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMember2022-12-310000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputPrepaymentRateMemberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMembersrt:MaximumMember2022-12-310000039311ibcp:CapitalizedMortgageLoanServicingRightsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputPrepaymentRateMemberus-gaap:FairValueMeasurementsRecurringMemberibcp:PresentValueOfNetServicingRevenueMembersrt:WeightedAverageMember2022-12-310000039311us-gaap:FairValueInputsLevel3Memberibcp:CollateralDependentLoansMemberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311us-gaap:FairValueInputsLevel3Memberibcp:CollateralDependentLoansMemberus-gaap:ValuationTechniqueDiscountedCashFlowMembersrt:MinimumMemberus-gaap:MeasurementInputDiscountRateMemberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311us-gaap:FairValueInputsLevel3Memberibcp:CollateralDependentLoansMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:MeasurementInputDiscountRateMembersrt:MaximumMemberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311us-gaap:FairValueInputsLevel3Memberibcp:CollateralDependentLoansMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:MeasurementInputDiscountRateMembersrt:WeightedAverageMemberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311us-gaap:FairValueInputsLevel3Memberibcp:CollateralDependentLoansMortgageAndInstallmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311ibcp:CollateralDependentLoansMortgageAndInstallmentMemberus-gaap:FairValueInputsLevel3Membersrt:MinimumMemberus-gaap:MeasurementInputComparabilityAdjustmentMemberibcp:SalesComparisonApproachMemberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311ibcp:CollateralDependentLoansMortgageAndInstallmentMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputComparabilityAdjustmentMembersrt:MaximumMemberibcp:SalesComparisonApproachMemberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311ibcp:CollateralDependentLoansMortgageAndInstallmentMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputComparabilityAdjustmentMembersrt:WeightedAverageMemberibcp:SalesComparisonApproachMemberus-gaap:FairValueMeasurementsNonrecurringMember2023-06-300000039311us-gaap:FairValueInputsLevel3Memberibcp:CollateralDependentLoansMemberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311us-gaap:FairValueInputsLevel3Memberibcp:CollateralDependentLoansMembersrt:MinimumMemberus-gaap:MeasurementInputComparabilityAdjustmentMemberibcp:SalesComparisonApproachMemberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311us-gaap:FairValueInputsLevel3Memberibcp:CollateralDependentLoansMemberus-gaap:MeasurementInputComparabilityAdjustmentMembersrt:MaximumMemberibcp:SalesComparisonApproachMemberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311us-gaap:FairValueInputsLevel3Memberibcp:CollateralDependentLoansMemberus-gaap:MeasurementInputComparabilityAdjustmentMembersrt:WeightedAverageMemberibcp:SalesComparisonApproachMemberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311us-gaap:FairValueInputsLevel3Memberibcp:CollateralDependentLoansMortgageAndInstallmentMemberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311ibcp:CollateralDependentLoansMortgageAndInstallmentMemberus-gaap:FairValueInputsLevel3Membersrt:MinimumMemberus-gaap:MeasurementInputComparabilityAdjustmentMemberibcp:SalesComparisonApproachMemberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311ibcp:CollateralDependentLoansMortgageAndInstallmentMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputComparabilityAdjustmentMembersrt:MaximumMemberibcp:SalesComparisonApproachMemberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311ibcp:CollateralDependentLoansMortgageAndInstallmentMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputComparabilityAdjustmentMembersrt:WeightedAverageMemberibcp:SalesComparisonApproachMemberus-gaap:FairValueMeasurementsNonrecurringMember2022-12-310000039311ibcp:InstallmentPortfolioSegmentMember2023-06-300000039311ibcp:InstallmentPortfolioSegmentMember2022-12-310000039311us-gaap:CarryingReportedAmountFairValueDisclosureMember2023-06-300000039311us-gaap:EstimateOfFairValueFairValueDisclosureMember2023-06-300000039311us-gaap:FairValueInputsLevel1Member2023-06-300000039311us-gaap:FairValueInputsLevel2Member2023-06-300000039311us-gaap:FairValueInputsLevel3Member2023-06-300000039311us-gaap:CarryingReportedAmountFairValueDisclosureMember2022-12-310000039311us-gaap:EstimateOfFairValueFairValueDisclosureMember2022-12-310000039311us-gaap:FairValueInputsLevel1Member2022-12-310000039311us-gaap:FairValueInputsLevel2Member2022-12-310000039311us-gaap:FairValueInputsLevel3Member2022-12-310000039311ibcp:VISAClassBMember2023-06-300000039311ibcp:VISAClassAStockMember2023-01-012023-06-300000039311ibcp:VISAClassAStockMemberus-gaap:SubsequentEventMember2023-07-270000039311ibcp:VISAClassBMemberus-gaap:SubsequentEventMember2023-07-270000039311us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2023-03-310000039311ibcp:AccumulatedOtherComprehensiveIncomeLossUnrealizedLossesOnSecuritiesTransferredToSecuritiesHeldToMaturityMember2023-03-310000039311ibcp:AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember2023-03-310000039311us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2023-03-310000039311us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2023-04-012023-06-300000039311ibcp:AccumulatedOtherComprehensiveIncomeLossUnrealizedLossesOnSecuritiesTransferredToSecuritiesHeldToMaturityMember2023-04-012023-06-300000039311ibcp:AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember2023-04-012023-06-300000039311us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2023-04-012023-06-300000039311us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2023-06-300000039311ibcp:AccumulatedOtherComprehensiveIncomeLossUnrealizedLossesOnSecuritiesTransferredToSecuritiesHeldToMaturityMember2023-06-300000039311ibcp:AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember2023-06-300000039311us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2023-06-300000039311us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2022-03-310000039311ibcp:AccumulatedOtherComprehensiveIncomeLossUnrealizedLossesOnSecuritiesTransferredToSecuritiesHeldToMaturityMember2022-03-310000039311ibcp:AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember2022-03-310000039311us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2022-03-310000039311us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2022-04-012022-06-300000039311ibcp:AccumulatedOtherComprehensiveIncomeLossUnrealizedLossesOnSecuritiesTransferredToSecuritiesHeldToMaturityMember2022-04-012022-06-300000039311ibcp:AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember2022-04-012022-06-300000039311us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2022-04-012022-06-300000039311us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2022-06-300000039311ibcp:AccumulatedOtherComprehensiveIncomeLossUnrealizedLossesOnSecuritiesTransferredToSecuritiesHeldToMaturityMember2022-06-300000039311ibcp:AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember2022-06-300000039311us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2022-06-300000039311us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2022-12-310000039311ibcp:AccumulatedOtherComprehensiveIncomeLossUnrealizedLossesOnSecuritiesTransferredToSecuritiesHeldToMaturityMember2022-12-310000039311ibcp:AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember2022-12-310000039311us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2022-12-310000039311us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2023-01-012023-06-300000039311ibcp:AccumulatedOtherComprehensiveIncomeLossUnrealizedLossesOnSecuritiesTransferredToSecuritiesHeldToMaturityMember2023-01-012023-06-300000039311ibcp:AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember2023-01-012023-06-300000039311us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2023-01-012023-06-300000039311us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2021-12-310000039311ibcp:AccumulatedOtherComprehensiveIncomeLossUnrealizedLossesOnSecuritiesTransferredToSecuritiesHeldToMaturityMember2021-12-310000039311ibcp:AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember2021-12-310000039311us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2021-12-310000039311us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2022-01-012022-06-300000039311ibcp:AccumulatedOtherComprehensiveIncomeLossUnrealizedLossesOnSecuritiesTransferredToSecuritiesHeldToMaturityMember2022-01-012022-06-300000039311ibcp:AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember2022-01-012022-06-300000039311us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2022-01-012022-06-300000039311us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMemberus-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2023-04-012023-06-300000039311us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMemberus-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember2023-04-012023-06-300000039311us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember2023-04-012023-06-300000039311us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMemberus-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2022-04-012022-06-300000039311us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMemberus-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2023-01-012023-06-300000039311us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMemberus-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember2023-01-012023-06-300000039311us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember2023-01-012023-06-300000039311us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMemberus-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2022-01-012022-06-30ibcp:asset0000039311ibcp:OverdraftFeesMemberibcp:CustomerRetailMember2023-04-012023-06-300000039311ibcp:AccountServiceChargesMemberibcp:CustomerRetailMember2023-04-012023-06-300000039311ibcp:CustomerRetailMemberibcp:ATMFeesMember2023-04-012023-06-300000039311ibcp:OtherMemberibcp:CustomerRetailMember2023-04-012023-06-300000039311ibcp:OverdraftFeesMemberibcp:CustomerBusinessMember2023-04-012023-06-300000039311ibcp:CustomerBusinessMemberibcp:ATMFeesMember2023-04-012023-06-300000039311ibcp:OtherMemberibcp:CustomerBusinessMember2023-04-012023-06-300000039311ibcp:InterchangeIncomeMember2023-04-012023-06-300000039311ibcp:AssetManagementRevenueMember2023-04-012023-06-300000039311ibcp:TransactionBasedRevenueMember2023-04-012023-06-300000039311ibcp:ServiceChargesOnDepositsMember2023-04-012023-06-300000039311ibcp:OtherDepositRelatedIncomeMember2023-04-012023-06-300000039311ibcp:InvestmentAndInsuranceCommissionsMember2023-04-012023-06-300000039311ibcp:OverdraftFeesMemberibcp:CustomerRetailMember2022-04-012022-06-300000039311ibcp:AccountServiceChargesMemberibcp:CustomerRetailMember2022-04-012022-06-300000039311ibcp:CustomerRetailMemberibcp:ATMFeesMember2022-04-012022-06-300000039311ibcp:OtherMemberibcp:CustomerRetailMember2022-04-012022-06-300000039311ibcp:OverdraftFeesMemberibcp:CustomerBusinessMember2022-04-012022-06-300000039311ibcp:CustomerBusinessMemberibcp:ATMFeesMember2022-04-012022-06-300000039311ibcp:OtherMemberibcp:CustomerBusinessMember2022-04-012022-06-300000039311ibcp:InterchangeIncomeMember2022-04-012022-06-300000039311ibcp:AssetManagementRevenueMember2022-04-012022-06-300000039311ibcp:TransactionBasedRevenueMember2022-04-012022-06-300000039311ibcp:ServiceChargesOnDepositsMember2022-04-012022-06-300000039311ibcp:OtherDepositRelatedIncomeMember2022-04-012022-06-300000039311ibcp:InvestmentAndInsuranceCommissionsMember2022-04-012022-06-300000039311ibcp:OverdraftFeesMemberibcp:CustomerRetailMember2023-01-012023-06-300000039311ibcp:AccountServiceChargesMemberibcp:CustomerRetailMember2023-01-012023-06-300000039311ibcp:CustomerRetailMemberibcp:ATMFeesMember2023-01-012023-06-300000039311ibcp:OtherMemberibcp:CustomerRetailMember2023-01-012023-06-300000039311ibcp:OverdraftFeesMemberibcp:CustomerBusinessMember2023-01-012023-06-300000039311ibcp:CustomerBusinessMemberibcp:ATMFeesMember2023-01-012023-06-300000039311ibcp:OtherMemberibcp:CustomerBusinessMember2023-01-012023-06-300000039311ibcp:InterchangeIncomeMember2023-01-012023-06-300000039311ibcp:AssetManagementRevenueMember2023-01-012023-06-300000039311ibcp:TransactionBasedRevenueMember2023-01-012023-06-300000039311ibcp:ServiceChargesOnDepositsMember2023-01-012023-06-300000039311ibcp:OtherDepositRelatedIncomeMember2023-01-012023-06-300000039311ibcp:InvestmentAndInsuranceCommissionsMember2023-01-012023-06-300000039311ibcp:OverdraftFeesMemberibcp:CustomerRetailMember2022-01-012022-06-300000039311ibcp:AccountServiceChargesMemberibcp:CustomerRetailMember2022-01-012022-06-300000039311ibcp:CustomerRetailMemberibcp:ATMFeesMember2022-01-012022-06-300000039311ibcp:OtherMemberibcp:CustomerRetailMember2022-01-012022-06-300000039311ibcp:OverdraftFeesMemberibcp:CustomerBusinessMember2022-01-012022-06-300000039311ibcp:CustomerBusinessMemberibcp:ATMFeesMember2022-01-012022-06-300000039311ibcp:OtherMemberibcp:CustomerBusinessMember2022-01-012022-06-300000039311ibcp:InterchangeIncomeMember2022-01-012022-06-300000039311ibcp:AssetManagementRevenueMember2022-01-012022-06-300000039311ibcp:TransactionBasedRevenueMember2022-01-012022-06-300000039311ibcp:ServiceChargesOnDepositsMember2022-01-012022-06-300000039311ibcp:OtherDepositRelatedIncomeMember2022-01-012022-06-300000039311ibcp:InvestmentAndInsuranceCommissionsMember2022-01-012022-06-30

SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 10-Q
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE QUARTERLY PERIOD ENDED June 30, 2023
Commission file number   0-7818
INDEPENDENT BANK CORPORATION
(Exact name of registrant as specified in its charter)
Michigan38-2032782
(State or jurisdiction of Incorporation or Organization)(I.R.S. Employer Identification Number)
4200 East Beltline, Grand Rapids, Michigan 49525
(Address of principal executive offices)
(616) 527-5820
(Registrant's telephone number, including area code)
NONE
Former name, address and fiscal year, if changed since last report.
Securities registered pursuant to Section 12(b) of the Act:
Title of each ClassTrading SymbolName of each exchange which registered
Common stock, no par valueIBCP
The Nasdaq Stock Market, LLC
Indicate by check mark whether the registrant (1) has filed all documents and reports required to be filed by Sections 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. YES x NO ¨
Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).
YES x NO ¨
Indicate by check mark whether the Registrant is a large accelerated filer, an accelerated filer, non-accelerated filer, smaller reporting company or an emerging growth company.
Large accelerated filer ¨ Accelerated filer x Non-accelerated filer ¨ Smaller reporting company ¨ Emerging growth company ¨
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to section 13(a) of the Exchange Act. Yes ¨ No ¨
Indicate by check mark whether the Registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).
YES ¨ NO x
Indicate the number of shares outstanding of each of the issuer's classes of common stock, as of the latest practicable date: common stock, no par value, 20,944,217 as of August 3, 2023.




INDEPENDENT BANK CORPORATION AND SUBSIDIARIES
INDEX
Number(s)
8-62
63-79
82-83
Item 5.
1

FORWARD-LOOKING STATEMENTS
Statements in this report that are not statements of historical fact, including statements that include terms such as ‘‘will,’’ ‘‘may,’’ ‘‘should,’’ ‘‘believe,’’ ‘‘expect,’’ ‘‘forecast,’’ ‘‘anticipate,’’ ‘‘estimate,’’ ‘‘project,’’ ‘‘intend,’’ ‘‘likely,’’ ‘‘optimistic’’ and ‘‘plan’’ and statements about future or projected financial and operating results, plans, projections, objectives, expectations, and intentions, are forward-looking statements. Forward-looking statements include, but are not limited to, descriptions of plans and objectives for future operations, products or services; projections of our future revenue, earnings or other measures of economic performance; forecasts of credit losses and other asset quality trends; statements about our business and growth strategies; and expectations about economic and market conditions and trends. These forward-looking statements express our current expectations, forecasts of future events, or long-term goals. They are based on assumptions, estimates, and forecasts that, although believed to be reasonable, may turn out to be incorrect. Actual results could differ materially from those discussed in the forward-looking statements for a variety of reasons, including:
economic, market, operational, liquidity, credit, and interest rate risks associated with our business;
economic conditions generally and in the financial services industry, particularly economic conditions within Michigan and the regional and local real estate markets in which our bank operates;
the failure of assumptions underlying the establishment of, and provisions made to, our allowance for credit losses;
increased competition in the financial services industry, either nationally or regionally;
our ability to achieve loan and deposit growth;
volatility and direction of market interest rates;
the continued services of our management team; and
implementation of new legislation, which may have significant effects on us and the financial services industry.
This list provides examples of factors that could affect the results described by forward-looking statements contained in this report, but the list is not intended to be all-inclusive. The risk factors disclosed in Part I – Item 1A of our Annual Report on Form 10-K for the year ended December 31, 2022, as updated by any new or modified risk factors disclosed in Part II – Item 1A of any subsequently filed Quarterly Report on Form 10-Q, include the known risks our management believes could materially affect the results described by forward-looking statements in this report. However, those risks may not be the only risks we face. Our results of operations, cash flows, financial position, and prospects could also be materially and adversely affected by additional factors that are not presently known to us that we currently consider to be immaterial, or that develop after the date of this report. We cannot assure you that our future results will meet expectations. While we believe the forward-looking statements in this report are reasonable, you should not place undue reliance on any forward-looking statement. In addition, these statements speak only as of the date made. We do not undertake, and expressly disclaim, any obligation to update or alter any statements, whether as a result of new information, future events, or otherwise, except as required by applicable law.
2


Part I - Item 1.
INDEPENDENT BANK CORPORATION AND SUBSIDIARIES
Condensed Consolidated Statements of Financial Condition
June 30,
2023
December 31,
2022
(Unaudited)
(In thousands, except share
amounts)
Assets
Cash and due from banks$61,225 $70,180 
Interest bearing deposits67,967 4,191 
Cash and Cash Equivalents129,192 74,371 
Securities available for sale731,777 779,347 
Securities held to maturity (fair value of $321,860 at June 30, 2023 and $335,418 at December 31, 2022 )
360,926 374,818 
Federal Home Loan Bank and Federal Reserve Bank stock, at cost18,131 17,653 
Loans held for sale, carried at fair value20,270 26,518 
Loans held for sale, carried at lower of cost or fair value 20,367 
Loans
Commercial1,538,162 1,466,853 
Mortgage1,441,398 1,368,409 
Installment651,554 630,090 
Total Loans3,631,114 3,465,352 
Allowance for credit losses(53,964)(52,435)
Net Loans3,577,150 3,412,917 
Other real estate and repossessed assets, net658 455 
Property and equipment, net36,157 35,893 
Bank-owned life insurance54,507 55,204 
Capitalized mortgage loan servicing rights, carried at fair value44,427 42,489 
Other intangibles2,278 2,551 
Goodwill28,300 28,300 
Accrued income and other assets131,791 128,904 
Total Assets$5,135,564 $4,999,787 
Liabilities and Shareholders' Equity
Deposits
Non-interest bearing$1,155,537 $1,269,759 
Savings and interest-bearing checking1,929,021 1,973,308 
Reciprocal720,985 602,575 
Time431,249 321,492 
Brokered time250,844 211,935 
Total Deposits4,487,636 4,379,069 
Other borrowings90,015 86,006 
Subordinated debt39,472 39,433 
Subordinated debentures39,694 39,660 
Accrued expenses and other liabilities103,585 108,023 
Total Liabilities4,760,402 4,652,191 
Commitments and contingent liabilities
Shareholders’ Equity
Preferred stock, no par value, 200,000 shares authorized; none issued or outstanding
  
Common stock, no par value, 500,000,000 shares authorized; issued and outstanding: 20,943,694 shares at June 30, 2023 and 21,063,971 shares at December 31, 2022
318,241 320,991 
Retained earnings137,431 119,368 
Accumulated other comprehensive loss(80,510)(92,763)
Total Shareholders’ Equity375,162 347,596 
Total Liabilities and Shareholders’ Equity$5,135,564 $4,999,787 
See notes to interim condensed consolidated financial statements (Unaudited)
3

INDEPENDENT BANK CORPORATION AND SUBSIDIARIES
Condensed Consolidated Statements of Operations
Three months ended June 30,Six months ended June 30,
2023202220232022
(Unaudited) (Unaudited)
(In thousands, except per share amounts)
Interest Income
Interest and fees on loans$47,679 $31,454 $91,973 $59,872 
Interest on securities
Taxable5,919 4,950 11,803 9,502 
Tax-exempt3,283 1,746 6,366 3,300 
Other investments1,067 214 1,742 431 
Total Interest Income57,948 38,364 111,884 73,105 
Interest Expense
Deposits17,461 1,216 31,221 1,983 
Other borrowings and subordinated debt and debentures2,137 1,087 3,872 2,060 
Total Interest Expense19,598 2,303 35,093 4,043 
Net Interest Income38,350 36,061 76,791 69,062 
Provision for credit losses3,317 2,379 5,477 806 
Net Interest Income After Provision for Credit Losses35,033 33,682 71,314 68,256 
Non-interest Income
Interchange income3,355 3,422 6,560 6,504 
Service charges on deposit accounts3,134 3,096 5,991 6,053 
Net gains (losses) on assets
Mortgage loans2,120 1,253 3,376 2,088 
Securities available for sale (345)(222)(275)
Mortgage loan servicing, net3,674 4,162 4,400 13,803 
Other3,134 3,044 5,863 5,407 
Total Non-interest Income15,417 14,632 25,968 33,580 
Non-interest Expense
Compensation and employee benefits20,602 19,882 39,941 40,012 
Data processing2,891 2,644 5,882 4,860 
Occupancy, net1,845 2,077 4,004 4,620 
Interchange expense1,054 1,262 2,103 2,273 
Furniture, fixtures and equipment929 1,042 1,855 2,087 
FDIC deposit insurance749 457 1,532 979 
Communications635 762 1,303 1,519 
Loan and collection620 647 1,198 1,206 
Legal and professional473 479 1,080 972 
Advertising431 560 926 1,240 
Costs (recoveries) related to unfunded lending commitments100 649 (375)294 
Other1,919 1,973 3,756 3,822 
Total Non-interest Expense32,248 32,434 63,205 63,884 
Income Before Income Tax18,202 15,880 34,077 37,952 
Income tax expense3,412 2,879 6,296 6,984 
Net Income$14,790 $13,001 $27,781 $30,968 
Net Income Per Common Share
Basic$0.70 $0.62 $1.32 $1.47 
Diluted$0.70 $0.61 $1.31 $1.45 
See notes to interim condensed consolidated financial statements (Unaudited)
4

INDEPENDENT BANK CORPORATION AND SUBSIDIARIES
Condensed Consolidated Statements of Comprehensive Income (Loss)
Three months ended
June 30,
Six months ended
June 30,
2023202220232022
(Unaudited - In thousands)
Net income$14,790 $13,001 $27,781 $30,968 
Other comprehensive income (loss)
Securities available for sale
Unrealized gains (losses) arising during period(630)(13,916)13,763 (83,358)
Net unrealized loss at time of transfer on securities available for sale transferred to held to maturity (26,479) (26,479)
Accretion of net unrealized losses on securities transferred to held to maturity936 1,328 1,786 1,328 
Reclassification adjustments for (gains) losses included in earnings 345 222 275 
Unrealized gains (losses) recognized in other comprehensive income (loss) on securities available for sale306 (38,722)15,771 (108,234)
Income tax expense (benefit)64 (8,133)3,312 (22,730)
Unrealized gains (losses) recognized in other comprehensive income (loss) on securities available for sale, net of tax242 (30,589)12,459 (85,504)
Derivative instruments
Unrealized gains (losses) arising during period7  (413) 
Reclassification adjustment for expense recognized in earnings68  152  
Unrealized gains (losses) recognized in other comprehensive income (loss) on derivative instruments75  (261) 
Income tax benefit16  (55) 
Unrealized gains (losses) recognized in other comprehensive income (loss) on derivative instruments, net of tax59  (206) 
Other comprehensive income (loss)301 (30,589)12,253 (85,504)
Comprehensive income (loss) $15,091 $(17,588)$40,034 $(54,536)
See notes to interim condensed consolidated financial statements (Unaudited)
5

INDEPENDENT BANK CORPORATION AND SUBSIDIARIES
Condensed Consolidated Statements of Cash Flows
Six months ended June 30,
20232022
(Unaudited - In thousands)
Net Income$27,781 $30,968 
Adjustments to Reconcile Net Income to Net Cash From Operating Activities  
Proceeds from sales of loans held for sale156,178 334,838 
Disbursements for loans held for sale(146,403)(309,085)
Provision for credit losses5,477 806 
Deferred income tax expense1,255 2,680 
Net deferred loan costs(457)(4,868)
Net depreciation, amortization of intangible assets and premiums and accretion of discounts on securities and loans4,949 5,734 
Net gains on mortgage loans(3,376)(2,088)
Net losses on securities available for sale222 275 
Share based compensation1,046 1,054 
(Increase) Decrease in accrued income and other assets(10,159)(10,110)
Decrease in accrued expenses and other liabilities(3,165)10,921 
Total Adjustments5,567 30,157 
Net Cash From Operating Activities33,348 61,125 
Cash Flow Used in Investing Activities  
Proceeds from the sale of securities available for sale278 70,523 
Proceeds from maturities, prepayments and calls of securities available for sale59,513 105,288 
Proceeds from maturities, prepayments and calls of securities held to maturity 12,752 10,906 
Purchases of securities held to maturity(440) 
Purchases of securities available for sale (137,550)
Purchases of Federal Home Loan Bank stock(478) 
Proceeds from the redemption of Federal Home Loan Bank stock 774 
Net increase in portfolio loans (loans originated, net of principal payments)(19