XML 73 R62.htm IDEA: XBRL DOCUMENT
v3.25.2

Derivative Financial Instruments - Effect on the Condensed Consolidated Statements of Operations (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2025 | Jun. 30, 2024 | Jun. 30, 2025 | Jun. 30, 2024
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract] |  |  |  |
Gain (Loss) Recognized in Other Comprehensive Income (loss) (Effective Portion) | $ 231 | $ (463) | $ 697 | $ (2,692)
Loss Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion) | (509) | (349) | (933) | (615)
No hedge designation |  |  |  |
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract] |  |  |  |
Gain (Loss) Recognized in Income | (98) | 72 | 77 | 395
No hedge designation | Rate-lock mortgage loan commitments |  |  |  |
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract] |  |  |  |
Gain (Loss) Recognized in Income | 3 | (125) | 271 | (31)
No hedge designation | Mandatory commitments to sell mortgage loans |  |  |  |
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract] |  |  |  |
Gain (Loss) Recognized in Income | (101) | 197 | (194) | 426
No hedge designation | Fixed Income Interest Rate | Commercial | Interest Rate Swap |  |  |  |
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract] |  |  |  |
Gain (Loss) Recognized in Income | (5,593) | 579 | (14,868) | 6,549
No hedge designation | Variable Income Interest Rate | Commercial | Interest Rate Swap |  |  |  |
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract] |  |  |  |
Gain (Loss) Recognized in Income | 5,593 | (579) | 14,868 | (6,549)
Fair Value Hedging | Interest rate cap agreements - securities available for sale |  |  |  |
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract] |  |  |  |
Gain (Loss) Recognized in Other Comprehensive Income (loss) (Effective Portion) | (85) | 23 | (240) | 61
Loss Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion) | (63) | (56) | (117) | (110)
Gain (Loss) Recognized in Income | 0 | (2) | 0 | 38
Fair Value Hedging | Interest rate cap agreements |  |  |  |
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract] |  |  |  |
Gain (Loss) Recognized in Other Comprehensive Income (loss) (Effective Portion) | (85) | 23 | (240) | 61
Loss Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion) | (63) | (56) | (117) | (110)
Gain (Loss) Recognized in Income | (2,655) | (166) | (6,762) | 5,166
Fair Value Hedging | Fixed Income Interest Rate | Pay-fixed interest rate swap agreements - securities available for sale |  |  |  |
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract] |  |  |  |
Gain (Loss) Recognized in Income | (1,797) | (694) | (4,172) | 854
Fair Value Hedging | Fixed Income Interest Rate | Commercial | Interest Rate Swap |  |  |  |
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract] |  |  |  |
Gain (Loss) Recognized in Income | (62) | (5) | (147) | 74
Fair Value Hedging | Fixed Income Interest Rate | Installment | Interest Rate Swap |  |  |  |
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract] |  |  |  |
Gain (Loss) Recognized in Income | (297) | 220 | (979) | 1,908
Fair Value Hedging | Fixed Income Interest Rate | Mortgage | Interest Rate Swap |  |  |  |
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract] |  |  |  |
Gain (Loss) Recognized in Income | (499) | 290 | (1,464) | 2,292
Fair Value Hedging | Variable Income Interest Rate | Residential, FHLB Advance | Interest Rate Swap |  |  |  |
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract] |  |  |  |
Gain (Loss) Recognized in Income | 0 | 25 | 0 | 0
Cash Flow Hedging |  |  |  |
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract] |  |  |  |
Gain (Loss) Recognized in Other Comprehensive Income (loss) (Effective Portion) | 316 | (486) | 937 | (2,753)
Loss Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion) | (446) | (293) | (816) | (505)
Gain (Loss) Recognized in Income | (446) | (293) | (816) | (505)
Cash Flow Hedging | Interest rate cap agreements - short-term funding liabilities |  |  |  |
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract] |  |  |  |
Gain (Loss) Recognized in Other Comprehensive Income (loss) (Effective Portion) | (69) | 0 | (200) | 0
Loss Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion) | (2) | 0 | (4) | 0
Gain (Loss) Recognized in Income | (2) | 0 | (4) | 0
Cash Flow Hedging | Commercial | Interest rate floor agreements |  |  |  |
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract] |  |  |  |
Gain (Loss) Recognized in Other Comprehensive Income (loss) (Effective Portion) | 385 | (486) | 1,137 | (2,753)
Loss Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion) | (444) | (293) | (812) | (505)
Gain (Loss) Recognized in Income | $ (444) | $ (293) | $ (812) | $ (505)

X
- Definition Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract] + References No definition available. + Details
Name: | ibcp_EffectOfDerivativeFinancialInstrumentsOnCondensedConsolidatedFinancialStatementsOfOperationsAbstract
Namespace Prefix: | ibcp_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Amount of increase (decrease) in the fair value of derivatives recognized in the income statement. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 815 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 4A -Subparagraph (b)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4A Reference 2: http://www.xbrl.org/2003/role/exampleRef -Name Accounting Standards Codification -Section 55 -Paragraph 10 -SubTopic 10 -Topic 825 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482881/825-10-55-10 + Details
Name: | us-gaap_DerivativeGainLossOnDerivativeNet
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Amount, before tax and reclassification, of gain (loss) from derivative instrument designated and qualifying cash flow hedge included in assessment of hedge effectiveness. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 815 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 182 -Publisher FASB -URI https://asc.fasb.org/1943274/2147480401/815-10-55-182 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 815 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 4A -Subparagraph (b)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4A Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 815 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 4C -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4C Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 220 -SubTopic 10 -Name Accounting Standards Codification -Section 45 -Paragraph 11 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482790/220-10-45-11 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 815 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 3 -Publisher FASB -URI https://asc.fasb.org/1943274/2147480627/815-20-45-3 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 220 -SubTopic 10 -Name Accounting Standards Codification -Section 45 -Paragraph 10A -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482790/220-10-45-10A + Details
Name: | us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Amount, before tax, of reclassification of gain (loss) from accumulated other comprehensive income (AOCI) for derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 815 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 182 -Publisher FASB -URI https://asc.fasb.org/1943274/2147480401/815-10-55-182 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 815 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 4C -Subparagraph (c) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4C Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 220 -SubTopic 10 -Name Accounting Standards Codification -Section 45 -Paragraph 11 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482790/220-10-45-11 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 220 -SubTopic 10 -Name Accounting Standards Codification -Section 45 -Paragraph 15 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482790/220-10-45-15 + Details
Name: | us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Details
Name: | us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateLockCommitmentsMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_DerivativeInstrumentRiskAxis=ibcp_MandatoryCommitmentsToSellMortgageLoansMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_TradingActivityByTypeAxis=us-gaap_FixedIncomeInterestRateMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

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

X
- Details
Name: | us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_TradingActivityByTypeAxis=us-gaap_VariableIncomeInterestRateMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis=us-gaap_FairValueHedgingMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_DerivativeInstrumentRiskAxis=ibcp_InterestRateCapNoncommercialMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateCapMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

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

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

X
- Details
Name: | us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis=us-gaap_CashFlowHedgingMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_DerivativeInstrumentRiskAxis=ibcp_InterestRateCapShortTermFundingMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateFloorMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |