Independent Bank Corporation - Asset Resilience Ratio

Latest as of December 2025: 9.01%

Independent Bank Corporation (IBCP) has an Asset Resilience Ratio of 9.01% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Check Independent Bank Corporation strategic asset allocation index to assess the company's strategic physical and investment asset allocation.

Liquid Assets

$495.91 Million

Cash + Short-term Investments

Total Assets

$5.51 Billion

All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2009–2025)

This chart shows how Independent Bank Corporation's Asset Resilience Ratio has changed over time. See IBCP net asset quality score to measure how much of total assets are equity-financed.

Liquid Assets Composition Over Time

This chart breaks down Independent Bank Corporation's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see Independent Bank Corporation market cap and net worth.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$495.91 Million	9.01%
Total Liquid Assets	$495.91 Million	9.01%

Asset Resilience Insights

Limited Liquidity: Independent Bank Corporation maintains only 9.01% of assets in liquid form.
This low level may indicate efficient asset utilization but could pose risks during economic downturns.
The company has significant short-term investments, indicating active treasury management.

Independent Bank Corporation Industry Peers by Asset Resilience Ratio

Compare Independent Bank Corporation's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Kreditbanken A/S CO:KRE	Banks - Regional	0.05%
Nu Holdings Ltd NYSE:NU	Banks - Regional	1.52%
Commerzbank AG XETRA:CBK	Banks - Regional	5.22%
Bank Mandiri Persero Tbk PT JK:BMRI	Banks - Regional	-0.12%
Axos Financial Inc NYSE:AX	Banks - Regional	0.21%
Bank of Nanjing Co Ltd SHG:601009	Banks - Regional	-5.31%
Qingdao Rural Commercial Bank Corp Class A SHE:002958	Banks - Regional	-13.48%
King’s Town Bank TW:2809	Banks - Regional	-9.61%

Annual Asset Resilience Ratio for Independent Bank Corporation (2009–2025)

The table below shows the annual Asset Resilience Ratio data for Independent Bank Corporation.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	9.01%	$495.91 Million	$5.51 Billion	+8.53pp
2024-12-31	0.48%	$25.39 Million	$5.34 Billion	-12.43pp
2023-12-31	12.91%	$679.35 Million	$5.26 Billion	-2.68pp
2022-12-31	15.59%	$779.35 Million	$5.00 Billion	-14.44pp
2021-12-31	30.03%	$1.41 Billion	$4.70 Billion	+4.53pp
2020-12-31	25.50%	$1.07 Billion	$4.20 Billion	+10.96pp
2019-12-31	14.54%	$518.40 Million	$3.56 Billion	+1.78pp
2018-12-31	12.76%	$427.93 Million	$3.35 Billion	-5.99pp
2017-12-31	18.75%	$522.92 Million	$2.79 Billion	-5.21pp
2016-12-31	23.96%	$610.62 Million	$2.55 Billion	-0.35pp
2015-12-31	24.30%	$585.48 Million	$2.41 Billion	+0.59pp
2014-12-31	23.71%	$533.18 Million	$2.25 Billion	+2.78pp
2013-12-31	20.93%	$462.48 Million	$2.21 Billion	+10.63pp
2012-12-31	10.30%	$208.41 Million	$2.02 Billion	+3.47pp
2011-12-31	6.82%	$157.44 Million	$2.31 Billion	-6.45pp
2010-12-31	13.27%	$336.44 Million	$2.54 Billion	+5.73pp
2009-12-31	7.54%	$223.52 Million	$2.97 Billion	--

pp = percentage points

About Independent Bank Corporation

NASDAQ:IBCP USA Banks - Regional

Market Cap

$713.05 Million

Market Cap Rank

#10677 Global

#2748 in USA

Share Price

$34.70

Change (1 day)

+0.26%

52-Week Range

$30.08 - $36.97

All Time High

$38.99