Independent Bank (FDIC #27811): Bank Stress & Real-Estate Credit Exposure

Independent Bank (FDIC Cert #27811): bank stress 67/100, elevated, STABLE over 7 days; parent INDEPENDENT BANK CORP (INDB).

Independent Bank (#27811) lends in 24 counties across 1 state; Independent Bank (#27811) reaches 512 ZIP codes: Michigan 24 counties, 512 ZIPs.

Independent Bank (#27811) largest markets: Oakland County, MI (213 branches, 71 ZIPs) (#27811), Wayne County, MI (71 branches, 71 ZIPs) (#27811), Macomb County, MI (78 branches, 39 ZIPs) (#27811), Kent County, MI (351 branches, 39 ZIPs) (#27811), Genesee County, MI (34 branches, 34 ZIPs) (#27811), Jackson County, MI (29 branches, 29 ZIPs) (#27811).

Independent Bank (#27811) reports $5.66 billion in total assets; Independent Bank (#27811) equity $515.9 million (9.1% of Independent Bank (#27811) assets); Independent Bank (#27811) domestic deposits $4.93 billion; Independent Bank (#27811) net income $37.4 million; Independent Bank (#27811) return on assets 1.34%; Independent Bank (#27811) return on equity 14.92%; Independent Bank (#27811) net interest income $96.4 million; Independent Bank (#27811) call report June 30, 2026.

Independent Bank (#27811) noncurrent real-estate loans: none reported; Independent Bank (#27811) net charge-offs on real estate 1.19%; Independent Bank (#27811) residential charge-offs 1.04%.

Independent Bank (#27811) net interest margin 3.72% against an eight-quarter Independent Bank (#27811) average of 3.62% (Independent Bank (#27811) compression -0.10 points); Independent Bank (#27811) non-residential real estate 103.8% of equity; Independent Bank (#27811) rate-exposure score 40/100, Independent Bank (#27811) fixed-rate trap 40/100; Independent Bank (#27811) risk type credit driven; Independent Bank (#27811) rate regime rates elevated; Independent Bank (#27811) shares 7.6% below the 52-week high, Independent Bank (#27811) equity trend weakening, Independent Bank (#27811) snapshot October 20, 2026.

Independent Bank (#27811) stress score moved from 67.3 on June 22, 2026 to 66.8 on October 20, 2026; Independent Bank (#27811) ranged 66.8 to 67.3 over 117 snapshots.

Independent Bank (#27811) alerts: 24 counties; top Independent Bank (#27811) alert scores: Muskegon County, MI 46 (moderate); Saginaw County, MI 43 (moderate); Big Rapids County, MI 24 (low); Brighton County, MI 24 (low); Cass City County, MI 24 (low).