XML 62 R51.htm IDEA: XBRL DOCUMENT
v3.25.2

Loans - Receivables Past Due (Details) - USD ($) $ in Thousands | Jun. 30, 2025 | Dec. 31, 2024
--- | --- | ---
Non performing loans [Abstract] |  |
Accrued interest excluded from total | $ 14,006 | $ 13,461
90+ and Still Accruing |  |
Non performing loans [Abstract] |  |
Accrued interest excluded from total | 0 | 0
Commercial and industrial |  |
Non performing loans [Abstract] |  |
Government guaranteed loans excluded from non-performing loans | 0 | 5
1-4 family owner occupied - non-jumbo |  |
Non performing loans [Abstract] |  |
Government guaranteed loans excluded from non-performing loans | 2,249 | 1,785
Commercial |  |
Non performing loans [Abstract] |  |
Accrued interest excluded from total | 6,772 | 6,496
Commercial | Commercial and industrial |  |
Non performing loans [Abstract] |  |
Accrued interest excluded from total | 3,559 | 3,310
Commercial | Commercial real estate |  |
Non performing loans [Abstract] |  |
Accrued interest excluded from total | 3,213 | 3,186
Mortgage |  |
Non performing loans [Abstract] |  |
Accrued interest excluded from total | 5,619 | 5,357
Mortgage | 1-4 family owner occupied - jumbo |  |
Non performing loans [Abstract] |  |
Accrued interest excluded from total | 2,751 | 2,520
Mortgage | 1-4 family owner occupied - non-jumbo |  |
Non performing loans [Abstract] |  |
Accrued interest excluded from total | 1,155 | 1,160
Mortgage | 1-4 family non-owner occupied |  |
Non performing loans [Abstract] |  |
Accrued interest excluded from total | 666 | 680
Mortgage | 1-4 family - 2nd lien |  |
Non performing loans [Abstract] |  |
Accrued interest excluded from total | 904 | 846
Mortgage | Resort lending |  |
Non performing loans [Abstract] |  |
Accrued interest excluded from total | 143 | 151
Installment |  |
Non performing loans [Abstract] |  |
Accrued interest excluded from total | 1,615 | 1,608
Installment | Boat lending |  |
Non performing loans [Abstract] |  |
Accrued interest excluded from total | 797 | 736
Installment | Recreational vehicle lending |  |
Non performing loans [Abstract] |  |
Accrued interest excluded from total | 546 | 576
Installment | Other |  |
Non performing loans [Abstract] |  |
Accrued interest excluded from total | 272 | 296
Non-performing TDR's |  |
Non performing loans [Abstract] |  |
Non- Accrual with no Allowance for Credit Loss | 4,423 | 3,655
Non- Accrual with an Allowance for Credit Loss | 3,781 | 2,347
Total Non- Accrual | 8,204 | 6,002
90+ and Still Accruing | 0 | 0
Total Non- Performing Loans | 8,204 | 6,002
Accrued interest excluded from total | 0 | 0
Non-performing TDR's | 90+ and Still Accruing |  |
Non performing loans [Abstract] |  |
Accrued interest excluded from total | 0 | 0
Non-performing TDR's | Commercial | Commercial and industrial |  |
Non performing loans [Abstract] |  |
Non- Accrual with no Allowance for Credit Loss | 0 | 0
Non- Accrual with an Allowance for Credit Loss | 0 | 49
Total Non- Accrual | 0 | 49
90+ and Still Accruing | 0 | 0
Total Non- Performing Loans | 0 | 49
Non-performing TDR's | Commercial | Commercial real estate |  |
Non performing loans [Abstract] |  |
Non- Accrual with no Allowance for Credit Loss | 0 | 0
Non- Accrual with an Allowance for Credit Loss | 0 | 0
Total Non- Accrual | 0 | 0
90+ and Still Accruing | 0 | 0
Total Non- Performing Loans | 0 | 0
Non-performing TDR's | Mortgage | 1-4 family owner occupied - jumbo |  |
Non performing loans [Abstract] |  |
Non- Accrual with no Allowance for Credit Loss | 1,480 | 1,480
Non- Accrual with an Allowance for Credit Loss | 576 | 0
Total Non- Accrual | 2,056 | 1,480
90+ and Still Accruing |  | 0
Total Non- Performing Loans | 2,056 | 1,480
Non-performing TDR's | Mortgage | 1-4 family owner occupied - non-jumbo |  |
Non performing loans [Abstract] |  |
Non- Accrual with no Allowance for Credit Loss | 1,497 | 1,929
Non- Accrual with an Allowance for Credit Loss | 1,330 | 496
Total Non- Accrual | 2,827 | 2,425
90+ and Still Accruing | 0 | 0
Total Non- Performing Loans | 2,827 | 2,425
Non-performing TDR's | Mortgage | 1-4 family non-owner occupied |  |
Non performing loans [Abstract] |  |
Non- Accrual with no Allowance for Credit Loss | 714 | 0
Non- Accrual with an Allowance for Credit Loss | 292 | 157
Total Non- Accrual | 1,006 | 157
90+ and Still Accruing | 0 | 0
Total Non- Performing Loans | 1,006 | 157
Non-performing TDR's | Mortgage | 1-4 family - 2nd lien |  |
Non performing loans [Abstract] |  |
Non- Accrual with no Allowance for Credit Loss | 732 | 246
Non- Accrual with an Allowance for Credit Loss | 693 | 769
Total Non- Accrual | 1,425 | 1,015
90+ and Still Accruing | 0 | 0
Total Non- Performing Loans | 1,425 | 1,015
Non-performing TDR's | Mortgage | Resort lending |  |
Non performing loans [Abstract] |  |
Non- Accrual with no Allowance for Credit Loss | 0 | 0
Non- Accrual with an Allowance for Credit Loss | 57 | 143
Total Non- Accrual | 57 | 143
90+ and Still Accruing | 0 | 0
Total Non- Performing Loans | 57 | 143
Non-performing TDR's | Installment | Boat lending |  |
Non performing loans [Abstract] |  |
Non- Accrual with no Allowance for Credit Loss | 0 | 0
Non- Accrual with an Allowance for Credit Loss | 415 | 209
Total Non- Accrual | 415 | 209
90+ and Still Accruing | 0 | 0
Total Non- Performing Loans | 415 | 209
Non-performing TDR's | Installment | Recreational vehicle lending |  |
Non performing loans [Abstract] |  |
Non- Accrual with no Allowance for Credit Loss | 0 | 0
Non- Accrual with an Allowance for Credit Loss | 274 | 377
Total Non- Accrual | 274 | 377
90+ and Still Accruing | 0 | 0
Total Non- Performing Loans | 274 | 377
Non-performing TDR's | Installment | Other |  |
Non performing loans [Abstract] |  |
Non- Accrual with no Allowance for Credit Loss | 0 | 0
Non- Accrual with an Allowance for Credit Loss | 144 | 147
Total Non- Accrual | 144 | 147
90+ and Still Accruing | 0 | 0
Total Non- Performing Loans | $ 144 | $ 147

X
- Definition Amount of financing receivables guaranteed by US Government Authorities. + References No definition available. + Details
Name: | ibcp_FinancingReceivableGovernmentGuaranteedLoans
Namespace Prefix: | ibcp_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition 'Financing receivables that are past due and are not performing as per the loan agreement at the balance sheet date. + References No definition available. + Details
Name: | ibcp_FinancingReceivableNonPerformingLoans
Namespace Prefix: | ibcp_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount of financing receivable on nonaccrual status with allowance for credit loss. + References No definition available. + Details
Name: | ibcp_FinancingReceivableNonaccrualWithAllowanceForCreditLoss
Namespace Prefix: | ibcp_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Non performing loans [Abstract] + References No definition available. + Details
Name: | ibcp_NonPerformingLoansAbstract
Namespace Prefix: | ibcp_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Amount, before allowance for credit loss, of accrued interest on financing receivable. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 3B -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3B + Details
Name: | us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost excluding accrued interest, of financing receivable 90 days or more past due and still accruing. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 16 -Subparagraph (c) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-16 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost excluding accrued interest, of financing receivable on nonaccrual status. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 16 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-16 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost excluding accrued interest, of financing receivable on nonaccrual status with no allowance for credit loss. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 16 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-16 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrualNoAllowance
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Details
Name: | us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=ibcp_CommercialAndIndustrialMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=ibcp_Family14OwnerOccupiedNonJumboMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=ibcp_CommercialRealEstateLoanMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ResidentialPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=ibcp_Family14OwnerOccupiedJumboMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=ibcp_Family14NonOwnerOccupiedMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=ibcp_Family14SecondLienMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=ibcp_ResortLendingMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=ibcp_InstallmentPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=ibcp_BoatLendingMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=ibcp_RecreationalVehicleLendingMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=ibcp_InstallmentOtherMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancialInstrumentPerformanceStatusAxis=us-gaap_NonperformingFinancingReceivableMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |