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<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel"/>
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_b29cbac3-0728-4be4-99fc-c1237bde74e5_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated Amortization</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets, Accumulated Amortization</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_OtherNoninterestExpenseAdjusted_d7760984-a425-4d84-a2c6-063bc205a6a2_terseLabel_en-US" xlink:label="lab_ibcp_OtherNoninterestExpenseAdjusted" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_ibcp_OtherNoninterestExpenseAdjusted_label_en-US" xlink:label="lab_ibcp_OtherNoninterestExpenseAdjusted" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Noninterest Expense, Adjusted</link:label>
    <link:label id="lab_ibcp_OtherNoninterestExpenseAdjusted_documentation_en-US" xlink:label="lab_ibcp_OtherNoninterestExpenseAdjusted" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Noninterest Expense, Adjusted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_OtherNoninterestExpenseAdjusted" xlink:href="ibcp-20251231.xsd#ibcp_OtherNoninterestExpenseAdjusted"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_OtherNoninterestExpenseAdjusted" xlink:to="lab_ibcp_OtherNoninterestExpenseAdjusted" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossDerivativeExcludedComponentIncreaseDecreaseAdjustmentsTax_ff5cb175-86f6-4939-871d-1a05f29321ae_negatedLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossDerivativeExcludedComponentIncreaseDecreaseAdjustmentsTax" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Income tax expense (benefit)</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossDerivativeExcludedComponentIncreaseDecreaseAdjustmentsTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossDerivativeExcludedComponentIncreaseDecreaseAdjustmentsTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Derivative, Excluded Component, Increase (Decrease), Adjustments, Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossDerivativeExcludedComponentIncreaseDecreaseAdjustmentsTax" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossDerivativeExcludedComponentIncreaseDecreaseAdjustmentsTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossDerivativeExcludedComponentIncreaseDecreaseAdjustmentsTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossDerivativeExcludedComponentIncreaseDecreaseAdjustmentsTax" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_IndependentBankMember_0b0cca86-f982-4218-b7a5-33b1080dca2a_terseLabel_en-US" xlink:label="lab_ibcp_IndependentBankMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Independent Bank</link:label>
    <link:label id="lab_ibcp_IndependentBankMember_label_en-US" xlink:label="lab_ibcp_IndependentBankMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Independent Bank [Member]</link:label>
    <link:label id="lab_ibcp_IndependentBankMember_documentation_en-US" xlink:label="lab_ibcp_IndependentBankMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A component of an entity for which there is an accounting requirement to report separate financial information on that component in the entity's financial statements.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_IndependentBankMember" xlink:href="ibcp-20251231.xsd#ibcp_IndependentBankMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_IndependentBankMember" xlink:to="lab_ibcp_IndependentBankMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FederalHomeLoanBankAdvancesFixedRateTerminated_e277f99a-1b14-42ed-b10a-600686109ddc_terseLabel_en-US" xlink:label="lab_ibcp_FederalHomeLoanBankAdvancesFixedRateTerminated" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FHLB, advances, fixed rate, terminated</link:label>
    <link:label id="lab_ibcp_FederalHomeLoanBankAdvancesFixedRateTerminated_label_en-US" xlink:label="lab_ibcp_FederalHomeLoanBankAdvancesFixedRateTerminated" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Fixed Rate, Terminated</link:label>
    <link:label id="lab_ibcp_FederalHomeLoanBankAdvancesFixedRateTerminated_documentation_en-US" xlink:label="lab_ibcp_FederalHomeLoanBankAdvancesFixedRateTerminated" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Fixed Rate, Terminated</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FederalHomeLoanBankAdvancesFixedRateTerminated" xlink:href="ibcp-20251231.xsd#ibcp_FederalHomeLoanBankAdvancesFixedRateTerminated"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FederalHomeLoanBankAdvancesFixedRateTerminated" xlink:to="lab_ibcp_FederalHomeLoanBankAdvancesFixedRateTerminated" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FICOScore700To749Member_20581c95-0467-477c-b78e-ef3b315d1de7_terseLabel_en-US" xlink:label="lab_ibcp_FICOScore700To749Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">700-749</link:label>
    <link:label id="lab_ibcp_FICOScore700To749Member_label_en-US" xlink:label="lab_ibcp_FICOScore700To749Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">FICO Score, 700 to 749 [Member]</link:label>
    <link:label id="lab_ibcp_FICOScore700To749Member_documentation_en-US" xlink:label="lab_ibcp_FICOScore700To749Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">From 700 to 749 credit score as defined by the external credit rating agency, Fair Isaac Corporation (FICO). Element name and standard label in FICO Score [numeric lower end] to [numeric higher end] [Member] format.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FICOScore700To749Member" xlink:href="ibcp-20251231.xsd#ibcp_FICOScore700To749Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FICOScore700To749Member" xlink:to="lab_ibcp_FICOScore700To749Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardTmgPredtrmndFlag_terseLabel_en-US" xlink:label="lab_ecd_AwardTmgPredtrmndFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Timing Predetermined</link:label>
    <link:label id="lab_ecd_AwardTmgPredtrmndFlag_label_en-US" xlink:label="lab_ecd_AwardTmgPredtrmndFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing Predetermined [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgPredtrmndFlag" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardTmgPredtrmndFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardTmgPredtrmndFlag" xlink:to="lab_ecd_AwardTmgPredtrmndFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitPercent_019cb64d-8e05-7274-8198-aa42d0506440_terseLabel_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based compensation</link:label>
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitPercent_label_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Tax Expense (Benefit), Share-Based Payment Arrangement, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitPercent" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitPercent" xlink:to="lab_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_bff7373d-56b6-4322-8822-658157d9b5cc_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income tax expense</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment, Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityFileNumber_bf741099-7906-42b0-af64-e71bc8fac1e5_terseLabel_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity File Number</link:label>
    <link:label id="lab_dei_EntityFileNumber_label_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity File Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityFileNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityFileNumber" xlink:to="lab_dei_EntityFileNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_LongTermIncentivePlansMember_308d3419-611f-4f87-85e0-6e806d0d9ae3_terseLabel_en-US" xlink:label="lab_ibcp_LongTermIncentivePlansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Long-Term Incentive Plans</link:label>
    <link:label id="lab_ibcp_LongTermIncentivePlansMember_label_en-US" xlink:label="lab_ibcp_LongTermIncentivePlansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Incentive Plans [Member]</link:label>
    <link:label id="lab_ibcp_LongTermIncentivePlansMember_documentation_en-US" xlink:label="lab_ibcp_LongTermIncentivePlansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A reward system designed to improve employees' long-term performance by providing rewards that may not be tied to the entity's share price.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_LongTermIncentivePlansMember" xlink:href="ibcp-20251231.xsd#ibcp_LongTermIncentivePlansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_LongTermIncentivePlansMember" xlink:to="lab_ibcp_LongTermIncentivePlansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TabularListTableTextBlock_terseLabel_en-US" xlink:label="lab_ecd_TabularListTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tabular List, Table</link:label>
    <link:label id="lab_ecd_TabularListTableTextBlock_label_en-US" xlink:label="lab_ecd_TabularListTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tabular List [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TabularListTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TabularListTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TabularListTableTextBlock" xlink:to="lab_ecd_TabularListTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_NoninterestIncomeOtherOperatingIncomeAdjusted_5ad4c859-c2f5-4949-9535-838cb0a1000e_terseLabel_en-US" xlink:label="lab_ibcp_NoninterestIncomeOtherOperatingIncomeAdjusted" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_ibcp_NoninterestIncomeOtherOperatingIncomeAdjusted_label_en-US" xlink:label="lab_ibcp_NoninterestIncomeOtherOperatingIncomeAdjusted" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest Income, Other Operating Income, Adjusted</link:label>
    <link:label id="lab_ibcp_NoninterestIncomeOtherOperatingIncomeAdjusted_documentation_en-US" xlink:label="lab_ibcp_NoninterestIncomeOtherOperatingIncomeAdjusted" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Noninterest Income, Other Operating Income, Adjusted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NoninterestIncomeOtherOperatingIncomeAdjusted" xlink:href="ibcp-20251231.xsd#ibcp_NoninterestIncomeOtherOperatingIncomeAdjusted"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_NoninterestIncomeOtherOperatingIncomeAdjusted" xlink:to="lab_ibcp_NoninterestIncomeOtherOperatingIncomeAdjusted" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_8304c99a-f0e9-42f2-9fb6-0b3bd403bf21_terseLabel_en-US" xlink:label="lab_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ADOPTION OF NEW ACCOUNTING STANDARDS</link:label>
    <link:label id="lab_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">New Accounting Pronouncements, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:to="lab_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FeesATMCards_1e855746-df17-4399-b539-0bf283dc217c_terseLabel_en-US" xlink:label="lab_ibcp_FeesATMCards" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ATM fees</link:label>
    <link:label id="lab_ibcp_FeesATMCards_label_en-US" xlink:label="lab_ibcp_FeesATMCards" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fees ATM Cards</link:label>
    <link:label id="lab_ibcp_FeesATMCards_documentation_en-US" xlink:label="lab_ibcp_FeesATMCards" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of income earned from ATM cards.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FeesATMCards" xlink:href="ibcp-20251231.xsd#ibcp_FeesATMCards"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FeesATMCards" xlink:to="lab_ibcp_FeesATMCards" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_IncomeLossFromContinuingOperationsBeforeEquityInUndistributedNetLossOfSubsidiaries_3191c9fa-1c7f-4d4f-8387-7a8daa91813c_totalLabel_en-US" xlink:label="lab_ibcp_IncomeLossFromContinuingOperationsBeforeEquityInUndistributedNetLossOfSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Income Before Equity in Undistributed Net Income of Subsidiaries</link:label>
    <link:label id="lab_ibcp_IncomeLossFromContinuingOperationsBeforeEquityInUndistributedNetLossOfSubsidiaries_label_en-US" xlink:label="lab_ibcp_IncomeLossFromContinuingOperationsBeforeEquityInUndistributedNetLossOfSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Loss from Continuing Operations Before Equity In Undistributed Net Loss Of Subsidiaries</link:label>
    <link:label id="lab_ibcp_IncomeLossFromContinuingOperationsBeforeEquityInUndistributedNetLossOfSubsidiaries_documentation_en-US" xlink:label="lab_ibcp_IncomeLossFromContinuingOperationsBeforeEquityInUndistributedNetLossOfSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Sum of operating profit and nonoperating income or expense before equity in undistributed net loss of subsidiaries.</link:label>
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    <link:label id="lab_us-gaap_OciDebtSecuritiesAvailableForSaleTransferToHeldToMaturityAdjustmentFromAociForAmortizationOfGainLossBeforeTax_e574d226-6e0c-4d80-b26e-6b551a1e74f1_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_OciDebtSecuritiesAvailableForSaleTransferToHeldToMaturityAdjustmentFromAociForAmortizationOfGainLossBeforeTax" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Accretion of net unrealized losses on securities transferred to held to maturity</link:label>
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    <link:label id="lab_us-gaap_CurrentIncomeTaxExpenseBenefit_efdae419-a914-416a-bfc4-bb6c4ae69ab4_terseLabel_en-US" xlink:label="lab_us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Current expense</link:label>
    <link:label id="lab_us-gaap_CurrentIncomeTaxExpenseBenefit_label_en-US" xlink:label="lab_us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current Income Tax Expense (Benefit)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CurrentIncomeTaxExpenseBenefit"/>
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    <link:label id="lab_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYearOneThroughFive_f313fc5c-5cf1-4b56-9f45-622b10478fee_verboseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYearOneThroughFive" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Maturing after one year but within five years</link:label>
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    <link:label id="lab_ecd_AdjToCompAmt_terseLabel_en-US" xlink:label="lab_ecd_AdjToCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustment to Compensation, Amount</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet"/>
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    <link:label id="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets_d64b910b-52a6-441b-8366-19ea636c1043_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Increase in accrued income and other assets</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets_6469b678-5db1-4071-9c3f-bd78092c6bb5_negatedLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">(Increase) decrease in accrued income and other assets</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Other Operating Assets</link:label>
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    <link:label id="lab_us-gaap_ConsolidationPolicyTextBlock_38704b22-571f-41b1-b3b7-c4da869366a0_terseLabel_en-US" xlink:label="lab_us-gaap_ConsolidationPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PRINCIPLES OF CONSOLIDATION</link:label>
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    <link:label id="lab_ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersLineItems_e741a31c-1e2a-4529-88e4-7c03b38cde74_terseLabel_en-US" xlink:label="lab_ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Loans and Financing Receivables Serviced For Others [Line Items]</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersLineItems" xlink:to="lab_ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensation_511b0010-008f-480a-baaa-c7c767f0fc40_verboseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensation" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Share based compensation</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensation_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Noncash Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensation"/>
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    <link:label id="lab_ibcp_DeferredTaxAssetSecuritiesPremiumAmortization_f8c7b997-c7b0-4bbe-84ae-b7b6dc90eae0_terseLabel_en-US" xlink:label="lab_ibcp_DeferredTaxAssetSecuritiesPremiumAmortization" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securities premium amortization</link:label>
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    <link:label id="lab_ibcp_DeferredTaxAssetSecuritiesPremiumAmortization_documentation_en-US" xlink:label="lab_ibcp_DeferredTaxAssetSecuritiesPremiumAmortization" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Tax Asset, Securities Premium Amortization</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DeferredTaxAssetSecuritiesPremiumAmortization" xlink:href="ibcp-20251231.xsd#ibcp_DeferredTaxAssetSecuritiesPremiumAmortization"/>
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    <link:label id="lab_us-gaap_DerivativeAssetNotionalAmount_543ade68-0378-408d-a9be-4a61799a5cbb_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssetNotionalAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Notional Amount</link:label>
    <link:label id="lab_us-gaap_DerivativeAssetNotionalAmount_label_en-US" xlink:label="lab_us-gaap_DerivativeAssetNotionalAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Asset, Notional Amount</link:label>
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    <link:label id="lab_us-gaap_EmployeeStockOptionMember_c48f2377-9068-4708-9431-1514a742e37f_terseLabel_en-US" xlink:label="lab_us-gaap_EmployeeStockOptionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Option</link:label>
    <link:label id="lab_us-gaap_EmployeeStockOptionMember_label_en-US" xlink:label="lab_us-gaap_EmployeeStockOptionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Option [Member]</link:label>
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    <link:label id="lab_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_2a9e9e33-a400-464b-94dc-1326f6fda3f9_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment [Table]</link:label>
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    <link:label id="lab_us-gaap_DebtAndEquitySecuritiesRealizedGainLoss_358a7ca9-f7fc-48d9-a4e9-ec077987860d_terseLabel_en-US" xlink:label="lab_us-gaap_DebtAndEquitySecuritiesRealizedGainLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net losses on securities available for sale</link:label>
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    <link:label id="lab_ibcp_ReciprocalDepositsIncludedInDepositsWithStatedMaturity_documentation_en-US" xlink:label="lab_ibcp_ReciprocalDepositsIncludedInDepositsWithStatedMaturity" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Total amount of reciprocal deposits included in deposits with stated maturity.</link:label>
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    <link:label id="lab_us-gaap_FairValueMeasurementsRecurringMember_5f24b691-1546-466e-b1de-4afde355bfd0_verboseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementsRecurringMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Measured at Fair Value on a Recurring Basis</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsRecurringMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementsRecurringMember" xlink:to="lab_us-gaap_FairValueMeasurementsRecurringMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_6e487736-ac20-475f-bb9b-d078e2fed2c9_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum for Well-Capitalized Institutions</link:label>
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    <link:label id="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract_48b55650-b128-4c26-aa74-3cdbb5d631a2_terseLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities and Shareholders&#8217; Equity</link:label>
    <link:label id="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract_67c99841-1abd-4b89-b785-d8f02f814fb5_verboseLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">LIABILITIES AND SHAREHOLDERS&#8217; EQUITY</link:label>
    <link:label id="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract_label_en-US" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities and Equity [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:to="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized_afd0da67-624c-4d09-9bb3-35a19de1ccdc_terseLabel_en-US" xlink:label="lab_us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum for Well-Capitalized Institutions</link:label>
    <link:label id="lab_us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized_label_en-US" xlink:label="lab_us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Common Equity Tier 1 Risk-Based Capital, Well Capitalized, Minimum</link:label>
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    <link:label id="lab_ibcp_CommonStockIssuedByTrust_469514f0-a63e-4c80-8f5a-ae92f322e87d_verboseLabel_en-US" xlink:label="lab_ibcp_CommonStockIssuedByTrust" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Common Stock Issued</link:label>
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    <link:label id="lab_dei_CoverAbstract_98059967-b6e9-4573-945e-0dee667040fb_terseLabel_en-US" xlink:label="lab_dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cover [Abstract]</link:label>
    <link:label id="lab_dei_CoverAbstract_label_en-US" xlink:label="lab_dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cover [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_CoverAbstract"/>
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    <link:label id="lab_us-gaap_PortionAtFairValueFairValueDisclosureMember_0cca4f58-d19b-4355-84bf-a77aaa555405_terseLabel_en-US" xlink:label="lab_us-gaap_PortionAtFairValueFairValueDisclosureMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Portion at Fair Value Measurement [Member]</link:label>
    <link:label id="lab_us-gaap_PortionAtFairValueFairValueDisclosureMember_label_en-US" xlink:label="lab_us-gaap_PortionAtFairValueFairValueDisclosureMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Portion at Fair Value Measurement [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember" xlink:to="lab_us-gaap_PortionAtFairValueFairValueDisclosureMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_325195b2-ae5f-4682-91cb-671f3801be0b_totalLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Amortized Cost</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:to="lab_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_MaximumMember_d5f9cc85-f696-40cb-8b0e-eb81befd0821_terseLabel_en-US" xlink:label="lab_srt_MaximumMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum</link:label>
    <link:label id="lab_srt_MaximumMember_label_en-US" xlink:label="lab_srt_MaximumMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maximum [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MaximumMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_MaximumMember" xlink:to="lab_srt_MaximumMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TransferToOtherRealEstate_f05db50b-9053-41be-b742-2703a777fee6_terseLabel_en-US" xlink:label="lab_us-gaap_TransferToOtherRealEstate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfers to other real estate and repossessed assets</link:label>
    <link:label id="lab_us-gaap_TransferToOtherRealEstate_label_en-US" xlink:label="lab_us-gaap_TransferToOtherRealEstate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate Owned, Transfer to Real Estate Owned</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransferToOtherRealEstate" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransferToOtherRealEstate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TransferToOtherRealEstate" xlink:to="lab_us-gaap_TransferToOtherRealEstate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_0ad498d4-fccc-4d79-88ae-3fa06816d4fc_periodEndLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Exercisable, period end (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercisable, Weighted Average Exercise Price</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetUsefulLife_6d37116c-6721-4664-a1e9-80955e2cc5d7_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetUsefulLife" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Finite-lived intangible asset, useful life</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetUsefulLife_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetUsefulLife" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Asset, Useful Life</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetUsefulLife" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetUsefulLife"/>
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    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentNetAbstract_44ad981c-af37-494a-85be-82fda3e85036_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentNetAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment, Net [Abstract]</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentNetAbstract_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentNetAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment, Net [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNetAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PropertyPlantAndEquipmentNetAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentNetAbstract" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentNetAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsNet_d103b5e2-9a4d-4017-ad84-c46bc91e17f4_totalLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsNet_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
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    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_8e2a3e09-5c31-468d-a8d8-30663f6a07db_totalLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Debt securities, available-for-sale, fair value, total</link:label>
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    <link:label id="lab_us-gaap_RestrictedStockMember_37e12c3d-2589-44c5-a401-465260449a90_terseLabel_en-US" xlink:label="lab_us-gaap_RestrictedStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restricted Stock</link:label>
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    <link:label id="lab_ibcp_CommitmentsAndContingenciesTable_documentation_en-US" xlink:label="lab_ibcp_CommitmentsAndContingenciesTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies</link:label>
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    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_8e189699-0cd6-4872-99c7-799b20751123_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum for Well-Capitalized Institutions</link:label>
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    <link:label id="lab_us-gaap_DebtInstrumentLineItems_5848c52e-81e6-4fbd-9f63-8cefd7d502cd_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument [Line Items]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentLineItems"/>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskDisclosureTextBlock"/>
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    <link:label id="lab_ibcp_CommercialAndIndustrialMember_4f644e24-a23d-4aaf-a0f3-d4ee5131e1cc_terseLabel_en-US" xlink:label="lab_ibcp_CommercialAndIndustrialMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commercial and industrial</link:label>
    <link:label id="lab_ibcp_CommercialAndIndustrialMember_label_en-US" xlink:label="lab_ibcp_CommercialAndIndustrialMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commercial And Industrial [Member]</link:label>
    <link:label id="lab_ibcp_CommercialAndIndustrialMember_documentation_en-US" xlink:label="lab_ibcp_CommercialAndIndustrialMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Class of financing receivables related to commercial and industrial financing receivables.</link:label>
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    <link:label id="lab_us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock_c17156eb-eb4b-4ea1-9632-ad2151ebc230_terseLabel_en-US" xlink:label="lab_us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">COMMITMENTS TO EXTEND CREDIT AND RELATED FINANCIAL INSTRUMENTS</link:label>
    <link:label id="lab_us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Off-Balance-Sheet Credit Exposure, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock"/>
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    <link:label id="lab_ecd_AdjToNonPeoNeoCompFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustment to Non-PEO NEO Compensation Footnote</link:label>
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    <link:label id="lab_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_30b7deba-530c-4a8f-908b-f9dd364dd688_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Credit Quality Indicator [Table]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable"/>
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    <link:label id="lab_srt_ExternalCreditRatingStandardPoorsMember_fa12adf2-3b52-4114-a54f-020a247c8ac2_terseLabel_en-US" xlink:label="lab_srt_ExternalCreditRatingStandardPoorsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">External Credit Rating, Standard &amp; Poor's</link:label>
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    <link:label id="lab_us-gaap_MeasurementInputComparabilityAdjustmentMember_f4624087-8a35-43a2-8e57-394a0ef32225_terseLabel_en-US" xlink:label="lab_us-gaap_MeasurementInputComparabilityAdjustmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Comparability adjustment</link:label>
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    <link:label id="lab_us-gaap_OtherAssetsMember_814956c7-7d0a-487f-a911-61177c452066_terseLabel_en-US" xlink:label="lab_us-gaap_OtherAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other assets</link:label>
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    <link:label id="lab_us-gaap_InterestExpenseDomesticDepositLiabilitiesTimeDeposit_b517b114-f4bd-4215-9ce5-36aff73a3e93_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseDomesticDepositLiabilitiesTimeDeposit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Time</link:label>
    <link:label id="lab_us-gaap_InterestExpenseDomesticDepositLiabilitiesTimeDeposit_label_en-US" xlink:label="lab_us-gaap_InterestExpenseDomesticDepositLiabilitiesTimeDeposit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense Domestic Deposit Liabilities, Time Deposit</link:label>
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    <link:label id="lab_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification_5930bb1c-f5f8-4050-8134-20d557b310b7_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Troubled loan modification, term increase</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockNumberOfSharesParValueAndOtherDisclosuresAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockNumberOfSharesParValueAndOtherDisclosuresAbstract"/>
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    <link:label id="lab_us-gaap_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract_d1caf6dd-7f34-48e4-aa99-eb7cb41e4da3_terseLabel_en-US" xlink:label="lab_us-gaap_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest on securities</link:label>
    <link:label id="lab_us-gaap_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract_label_en-US" xlink:label="lab_us-gaap_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest and Dividend Income, Securities, by Taxable Status [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract"/>
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    <link:label id="lab_ibcp_Family14OwnerOccupiedNonJumboMember_f8a3b15f-30bf-4fe2-b3d2-3324356a25fc_terseLabel_en-US" xlink:label="lab_ibcp_Family14OwnerOccupiedNonJumboMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">1-4 family owner occupied - non-jumbo</link:label>
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    <link:label id="lab_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment_4cef9e5b-52e2-44f1-94f9-de486048997c_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from the sale of property and equipment</link:label>
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    <link:label id="lab_us-gaap_DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross_f287371b-61ca-480b-a5ff-7df675c21b00_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unrealized loss on securities AFS</link:label>
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    <link:label id="lab_ibcp_Family14Member_5a82f261-2749-42cb-ad33-a1856dac1a87_verboseLabel_en-US" xlink:label="lab_ibcp_Family14Member" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Net Gains (Losses) on Assets -Mortgage Loans</link:label>
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    <link:label id="lab_ibcp_SubsidiariesTrustFourMember_c3c34f05-48c2-4d86-9935-84039775d02d_terseLabel_en-US" xlink:label="lab_ibcp_SubsidiariesTrustFourMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Midwest Guaranty Trust I</link:label>
    <link:label id="lab_ibcp_SubsidiariesTrustFourMember_label_en-US" xlink:label="lab_ibcp_SubsidiariesTrustFourMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsidiaries Trust Four [Member]</link:label>
    <link:label id="lab_ibcp_SubsidiariesTrustFourMember_documentation_en-US" xlink:label="lab_ibcp_SubsidiariesTrustFourMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subsidiaries trust which is controlled, directly or indirectly, by its parent. The usual condition for control is ownership of a majority (over 50%) of the outstanding voting stock. The power to control may also exist with a lesser percentage of ownership, for example, by contract, lease, agreement with other stockholders or by court decree.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SubsidiariesTrustFourMember" xlink:href="ibcp-20251231.xsd#ibcp_SubsidiariesTrustFourMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_SubsidiariesTrustFourMember" xlink:to="lab_ibcp_SubsidiariesTrustFourMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentFiscalPeriodFocus_ce433847-e846-41e2-a44e-c58cfa1b0e4b_terseLabel_en-US" xlink:label="lab_dei_DocumentFiscalPeriodFocus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Fiscal Period Focus</link:label>
    <link:label id="lab_dei_DocumentFiscalPeriodFocus_label_en-US" xlink:label="lab_dei_DocumentFiscalPeriodFocus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Fiscal Period Focus</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalPeriodFocus" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentFiscalPeriodFocus"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentFiscalPeriodFocus" xlink:to="lab_dei_DocumentFiscalPeriodFocus" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IntangibleAssetsNetIncludingGoodwill_00d8837c-6a8b-4606-a1dd-864aa6d47198_negatedLabel_en-US" xlink:label="lab_us-gaap_IntangibleAssetsNetIncludingGoodwill" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Goodwill and other intangibles</link:label>
    <link:label id="lab_us-gaap_IntangibleAssetsNetIncludingGoodwill_label_en-US" xlink:label="lab_us-gaap_IntangibleAssetsNetIncludingGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Intangible Assets, Net (Including Goodwill)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetIncludingGoodwill" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IntangibleAssetsNetIncludingGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IntangibleAssetsNetIncludingGoodwill" xlink:to="lab_us-gaap_IntangibleAssetsNetIncludingGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativesFairValueLineItems_8aa9e9e9-cc3a-4ac4-8bdc-03ff1d8fe822_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativesFairValueLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivatives, Fair Value [Line Items]</link:label>
    <link:label id="lab_us-gaap_DerivativesFairValueLineItems_label_en-US" xlink:label="lab_us-gaap_DerivativesFairValueLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivatives, Fair Value [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativesFairValueLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativesFairValueLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativesFairValueLineItems" xlink:to="lab_us-gaap_DerivativesFairValueLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAveragePSARate_2f7600e8-58f2-4baa-b461-9c59b4fb1c1b_terseLabel_en-US" xlink:label="lab_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAveragePSARate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Average PSA rate</link:label>
    <link:label id="lab_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAveragePSARate_label_en-US" xlink:label="lab_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAveragePSARate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Assets And Servicing Liabilities At Fair Value, Assumptions Used To Estimate Fair Value, Discount Rate, Average PSA Rate</link:label>
    <link:label id="lab_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAveragePSARate_documentation_en-US" xlink:label="lab_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAveragePSARate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The average PSA rate used to estimate the fair value of servicing assets and servicing liabilities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAveragePSARate" xlink:href="ibcp-20251231.xsd#ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAveragePSARate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAveragePSARate" xlink:to="lab_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAveragePSARate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock_efe8c789-8748-4fdd-8952-33da31f9c7a0_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Fair Value Option, Disclosures</link:label>
    <link:label id="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock_label_en-US" xlink:label="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Option, Disclosures [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock" xlink:to="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardTmgMethodTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AwardTmgMethodTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Timing Method</link:label>
    <link:label id="lab_ecd_AwardTmgMethodTextBlock_label_en-US" xlink:label="lab_ecd_AwardTmgMethodTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing Method [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMethodTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardTmgMethodTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardTmgMethodTextBlock" xlink:to="lab_ecd_AwardTmgMethodTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual_77b77dc9-8d2a-406e-ac38-a158188516a3_totalLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total Non- Accrual</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Nonaccrual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AwardTypeAxis_7f8b7d11-dcaf-4236-bc65-3085f2314679_terseLabel_en-US" xlink:label="lab_us-gaap_AwardTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Type [Axis]</link:label>
    <link:label id="lab_us-gaap_AwardTypeAxis_label_en-US" xlink:label="lab_us-gaap_AwardTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AwardTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AwardTypeAxis" xlink:to="lab_us-gaap_AwardTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_HedgingRelationshipDomain_8b39b63b-0688-4bf7-8d8f-0bbe3a2f9857_terseLabel_en-US" xlink:label="lab_us-gaap_HedgingRelationshipDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedging Relationship</link:label>
    <link:label id="lab_us-gaap_HedgingRelationshipDomain_label_en-US" xlink:label="lab_us-gaap_HedgingRelationshipDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedging Relationship [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingRelationshipDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgingRelationshipDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_HedgingRelationshipDomain" xlink:to="lab_us-gaap_HedgingRelationshipDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ParentCompanyMember_256ed017-0bf2-404d-a87b-258cd90b4ba7_verboseLabel_en-US" xlink:label="lab_srt_ParentCompanyMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Parent Company</link:label>
    <link:label id="lab_srt_ParentCompanyMember_label_en-US" xlink:label="lab_srt_ParentCompanyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Parent Company [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ParentCompanyMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ParentCompanyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ParentCompanyMember" xlink:to="lab_srt_ParentCompanyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy_537a5648-4b32-4ca0-abc5-673a21abef82_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">SHARE BASED COMPENSATION</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xlink:to="lab_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_TradingSymbol_a080b117-fb53-43e5-ab7a-71155685ea3f_terseLabel_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading Symbol</link:label>
    <link:label id="lab_dei_TradingSymbol_label_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Symbol</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_TradingSymbol"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_TradingSymbol" xlink:to="lab_dei_TradingSymbol" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_5929321b-3e85-4d45-b8db-33abb3f5dc6d_terseLabel_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2029</link:label>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_label_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessee, Operating Lease, Liability, to be Paid, Year Four</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour" xlink:to="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_DividendReinvestmentPlanMember_1baeb79f-532d-4b57-8eed-fcf56e6f4951_terseLabel_en-US" xlink:label="lab_ibcp_DividendReinvestmentPlanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividend Reinvestment Plan</link:label>
    <link:label id="lab_ibcp_DividendReinvestmentPlanMember_label_en-US" xlink:label="lab_ibcp_DividendReinvestmentPlanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividend Reinvestment Plan [Member]</link:label>
    <link:label id="lab_ibcp_DividendReinvestmentPlanMember_documentation_en-US" xlink:label="lab_ibcp_DividendReinvestmentPlanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A plan offered by a corporation that allows investors to reinvest their cash dividends by purchasing additional shares or fractional shares on the dividend payment date.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DividendReinvestmentPlanMember" xlink:href="ibcp-20251231.xsd#ibcp_DividendReinvestmentPlanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_DividendReinvestmentPlanMember" xlink:to="lab_ibcp_DividendReinvestmentPlanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestIncomeSecuritiesTaxExempt_4f80606e-2c9c-428b-8f1b-4da70ce9a0c5_terseLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeSecuritiesTaxExempt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tax-exempt</link:label>
    <link:label id="lab_us-gaap_InterestIncomeSecuritiesTaxExempt_label_en-US" xlink:label="lab_us-gaap_InterestIncomeSecuritiesTaxExempt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income, Securities, Operating, Tax Exempt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeSecuritiesTaxExempt" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeSecuritiesTaxExempt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeSecuritiesTaxExempt" xlink:to="lab_us-gaap_InterestIncomeSecuritiesTaxExempt" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_LoanAndCollection_adbd909b-31ed-44e6-a4a7-728b83a3fea3_verboseLabel_en-US" xlink:label="lab_ibcp_LoanAndCollection" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Loan and collection</link:label>
    <link:label id="lab_ibcp_LoanAndCollection_76d76cd7-5716-48b8-88e3-ca0ae7357eec_terseLabel_en-US" xlink:label="lab_ibcp_LoanAndCollection" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan and collection</link:label>
    <link:label id="lab_ibcp_LoanAndCollection_label_en-US" xlink:label="lab_ibcp_LoanAndCollection" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan And Collection</link:label>
    <link:label id="lab_ibcp_LoanAndCollection_documentation_en-US" xlink:label="lab_ibcp_LoanAndCollection" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Expenses generally relating to the origination of loans (not subject to capitalization), the collection of loans and maintaining other real estate and repossessed assets.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_LoanAndCollection" xlink:href="ibcp-20251231.xsd#ibcp_LoanAndCollection"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_LoanAndCollection" xlink:to="lab_ibcp_LoanAndCollection" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation_7250424f-eb4e-4375-b71f-6cd81395a964_terseLabel_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share based compensation (in shares)</link:label>
    <link:label id="lab_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation_label_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Shares Issued, Shares, Share-Based Payment Arrangement, after Forfeiture</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation" xlink:to="lab_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressCityOrTown_e70a36dd-bc09-44c0-b983-5fc1b564f5d6_terseLabel_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:label id="lab_dei_EntityAddressCityOrTown_label_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressCityOrTown"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressCityOrTown" xlink:to="lab_dei_EntityAddressCityOrTown" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetImpairmentChargesAbstract_3e374606-0443-4497-b1d1-6d7d26c1e54e_terseLabel_en-US" xlink:label="lab_us-gaap_AssetImpairmentChargesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Asset Impairment Charges [Abstract]</link:label>
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    <link:label id="lab_us-gaap_ShortTermDebtTypeDomain_6c6bd766-a536-406b-9aa9-bd47606baec7_terseLabel_en-US" xlink:label="lab_us-gaap_ShortTermDebtTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Short-term Debt, Type [Domain]</link:label>
    <link:label id="lab_us-gaap_ShortTermDebtTypeDomain_label_en-US" xlink:label="lab_us-gaap_ShortTermDebtTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Short-Term Debt, Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShortTermDebtTypeDomain"/>
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    <link:label id="lab_us-gaap_MarketableSecuritiesGainLossExcludingOtherThanTemporaryImpairments_eddcb9ca-bdbd-4145-95e8-5b8c67c8db43_negatedLabel_en-US" xlink:label="lab_us-gaap_MarketableSecuritiesGainLossExcludingOtherThanTemporaryImpairments" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Net losses on sales of securities available for sale</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketableSecuritiesGainLossExcludingOtherThanTemporaryImpairments" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MarketableSecuritiesGainLossExcludingOtherThanTemporaryImpairments"/>
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    <link:label id="lab_us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock_8ff544e6-e569-4e68-873c-36dd4ca76cde_verboseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank and Federal Reserve Bank stock, at cost</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock_b634d0d2-89ae-4eeb-a34e-8666d369488b_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank and Federal Reserve Bank Stock</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank Stock and Federal Reserve Bank Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock"/>
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    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3fe6cc8d-110e-47e3-9c81-dea846f6a2a3_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class of Financing Receivable [Axis]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Financing Receivable [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
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    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate_019cb64f-4a3c-7ded-b68d-2598dcd631af_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Advances, year five, rate</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate"/>
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    <link:label id="lab_ecd_NonPeoNeoAvgCompActuallyPaidAmt_terseLabel_en-US" xlink:label="lab_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-PEO NEO Average Compensation Actually Paid Amount</link:label>
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    <link:label id="lab_ibcp_NonEmployeeDirectorsMember_b8385149-540a-4ee3-b6b2-a502a0aa1f7a_terseLabel_en-US" xlink:label="lab_ibcp_NonEmployeeDirectorsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-Employee Directors</link:label>
    <link:label id="lab_ibcp_NonEmployeeDirectorsMember_label_en-US" xlink:label="lab_ibcp_NonEmployeeDirectorsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non Employee Directors [Member]</link:label>
    <link:label id="lab_ibcp_NonEmployeeDirectorsMember_documentation_en-US" xlink:label="lab_ibcp_NonEmployeeDirectorsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Person serving on the board of directors (who collectively have responsibility for governing the entity), but are non employees.</link:label>
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    <link:label id="lab_ibcp_ReciprocalDemandDeposits_e5162b1c-b63a-4f6c-8965-e300bd70a940_verboseLabel_en-US" xlink:label="lab_ibcp_ReciprocalDemandDeposits" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Demand</link:label>
    <link:label id="lab_ibcp_ReciprocalDemandDeposits_label_en-US" xlink:label="lab_ibcp_ReciprocalDemandDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reciprocal Demand Deposits</link:label>
    <link:label id="lab_ibcp_ReciprocalDemandDeposits_documentation_en-US" xlink:label="lab_ibcp_ReciprocalDemandDeposits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of reciprocal demand deposits.</link:label>
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    <link:label id="lab_ecd_CompActuallyPaidVsOtherMeasureTextBlock_terseLabel_en-US" xlink:label="lab_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Other Measure</link:label>
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    <link:label id="lab_us-gaap_DebtSecuritiesHeldToMaturityCreditQualityIndicatorTableTextBlock_0e57c867-648f-4422-95a8-bf35356d349d_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesHeldToMaturityCreditQualityIndicatorTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity, Credit Quality</link:label>
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    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities_d9b26afd-6970-41cc-93b2-bd7ea574edc6_negatedLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Reductions due to settlements</link:label>
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    <link:label id="lab_us-gaap_MaturitiesOfTimeDepositsAbstract_b6cc0813-ee23-4eca-8f19-bc4804f04d43_terseLabel_en-US" xlink:label="lab_us-gaap_MaturitiesOfTimeDepositsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of the maturity of time deposits [Abstract]</link:label>
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    <link:label id="lab_dei_EntityEmergingGrowthCompany_9cbb6175-4e35-46f8-91c9-72c038cec698_terseLabel_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Emerging Growth Company</link:label>
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    <link:label id="lab_ibcp_FederalReserveBankStockPolicyTextBlock_7420c72a-24ff-4e97-9d56-f63c805a9391_terseLabel_en-US" xlink:label="lab_ibcp_FederalReserveBankStockPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FEDERAL RESERVE BANK (&#8216;&#8216;FRB&#8217;&#8217;) STOCK</link:label>
    <link:label id="lab_ibcp_FederalReserveBankStockPolicyTextBlock_label_en-US" xlink:label="lab_ibcp_FederalReserveBankStockPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Reserve Bank Stock [Policy Text Block]</link:label>
    <link:label id="lab_ibcp_FederalReserveBankStockPolicyTextBlock_documentation_en-US" xlink:label="lab_ibcp_FederalReserveBankStockPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The entire policy disclosure represents an equity interest in the Federal Reserve Bank. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).</link:label>
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    <link:label id="lab_us-gaap_CommonEquityTierOneCapitalRatio_c6aa32fc-54dd-47b7-8563-dbf18717d6c9_terseLabel_en-US" xlink:label="lab_us-gaap_CommonEquityTierOneCapitalRatio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actual, ratio</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_OtherRealEstateAndRepossessedAssetsPolicyTextBlock" xlink:to="lab_ibcp_OtherRealEstateAndRepossessedAssetsPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_HeldToMaturitySecuritiesTextBlock_69b80c04-0888-43f4-9cb7-5aa8a4b1e12a_terseLabel_en-US" xlink:label="lab_us-gaap_HeldToMaturitySecuritiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity</link:label>
    <link:label id="lab_us-gaap_HeldToMaturitySecuritiesTextBlock_label_en-US" xlink:label="lab_us-gaap_HeldToMaturitySecuritiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesTextBlock" xlink:to="lab_us-gaap_HeldToMaturitySecuritiesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_CollateralDependentLoansValuationAllowance_94df7b7d-64ac-47e8-a47f-f109eef9c3ba_terseLabel_en-US" xlink:label="lab_ibcp_CollateralDependentLoansValuationAllowance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collateral dependent loans, valuation allowance</link:label>
    <link:label id="lab_ibcp_CollateralDependentLoansValuationAllowance_label_en-US" xlink:label="lab_ibcp_CollateralDependentLoansValuationAllowance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collateral Dependent Loans, Valuation Allowance</link:label>
    <link:label id="lab_ibcp_CollateralDependentLoansValuationAllowance_documentation_en-US" xlink:label="lab_ibcp_CollateralDependentLoansValuationAllowance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The valuation allowance on loans measured for impairment, using the fair value of collaterals.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CollateralDependentLoansValuationAllowance" xlink:href="ibcp-20251231.xsd#ibcp_CollateralDependentLoansValuationAllowance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_CollateralDependentLoansValuationAllowance" xlink:to="lab_ibcp_CollateralDependentLoansValuationAllowance" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_59023016-bfe8-4a8c-a97c-6606d8225951_periodStartLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Outstanding, beginning balance (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_bd606f5d-68a9-4c91-a62a-73f8f144d03f_periodEndLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Outstanding, ending balance (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock_5e4adf6d-0780-479b-9b99-c6b345aa8136_verboseLabel_en-US" xlink:label="lab_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">INDEPENDENT BANK CORPORATION (PARENT COMPANY ONLY) FINANCIAL INFORMATION</link:label>
    <link:label id="lab_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Financial Information of Parent Company Only Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:to="lab_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember_terseLabel_en-US" xlink:label="lab_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in Fair Value as of Vesting Date of Prior Year Equity Awards Vested in Covered Year</link:label>
    <link:label id="lab_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember_label_en-US" xlink:label="lab_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Change in Fair Value as of Vesting Date of Prior Year Equity Awards Vested in Covered Year [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember"/>
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    <link:label id="lab_us-gaap_DerivativeGainLossOnDerivativeNet_87d56132-e0c1-46a9-9163-a700e1e88c8c_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeGainLossOnDerivativeNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gain (Loss) Recognized in Income</link:label>
    <link:label id="lab_us-gaap_DerivativeGainLossOnDerivativeNet_label_en-US" xlink:label="lab_us-gaap_DerivativeGainLossOnDerivativeNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative, Gain (Loss) on Derivative, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeGainLossOnDerivativeNet" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeGainLossOnDerivativeNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeGainLossOnDerivativeNet" xlink:to="lab_us-gaap_DerivativeGainLossOnDerivativeNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestIncome_174fc348-8863-477b-b11a-43de14a39b1d_totalLabel_en-US" xlink:label="lab_us-gaap_NoninterestIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total Non-interest Income</link:label>
    <link:label id="lab_us-gaap_NoninterestIncome_label_en-US" xlink:label="lab_us-gaap_NoninterestIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestIncome" xlink:to="lab_us-gaap_NoninterestIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonClassCMember_019c5a51-be3a-7d67-8d70-39ad21318d11_terseLabel_en-US" xlink:label="lab_us-gaap_CommonClassCMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common Class C</link:label>
    <link:label id="lab_us-gaap_CommonClassCMember_label_en-US" xlink:label="lab_us-gaap_CommonClassCMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Class C [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassCMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonClassCMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonClassCMember" xlink:to="lab_us-gaap_CommonClassCMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockSharesOutstanding_ac02c733-b357-4d85-a6be-2ab4290761e3_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common stock, shares outstanding (in shares)</link:label>
    <link:label id="lab_us-gaap_CommonStockSharesOutstanding_label_en-US" xlink:label="lab_us-gaap_CommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Shares, Outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockSharesOutstanding" xlink:to="lab_us-gaap_CommonStockSharesOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProvisionForDoubtfulAccounts_2a223350-a0e4-462c-a842-f449cc221578_terseLabel_en-US" xlink:label="lab_us-gaap_ProvisionForDoubtfulAccounts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounts receivable, credit loss expense (reversal)</link:label>
    <link:label id="lab_us-gaap_ProvisionForDoubtfulAccounts_label_en-US" xlink:label="lab_us-gaap_ProvisionForDoubtfulAccounts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounts Receivable, Credit Loss Expense (Reversal)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForDoubtfulAccounts" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProvisionForDoubtfulAccounts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProvisionForDoubtfulAccounts" xlink:to="lab_us-gaap_ProvisionForDoubtfulAccounts" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract_24b692dc-f131-4314-8460-d0b4fb2deb57_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract" xlink:to="lab_us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GainLossOnSalesOfLoansNet_a08fd132-f0db-489e-bad2-e7690b451f77_verboseLabel_en-US" xlink:label="lab_us-gaap_GainLossOnSalesOfLoansNet" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Mortgage loans</link:label>
    <link:label id="lab_us-gaap_GainLossOnSalesOfLoansNet_8dcd49c0-b51f-45d8-a051-0e0f8cd8a394_negatedLabel_en-US" xlink:label="lab_us-gaap_GainLossOnSalesOfLoansNet" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Net gains on mortgage loans</link:label>
    <link:label id="lab_us-gaap_GainLossOnSalesOfLoansNet_37ef103e-ddbc-4601-bfa9-3de5a1b8b850_terseLabel_en-US" xlink:label="lab_us-gaap_GainLossOnSalesOfLoansNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net gains on mortgage loans</link:label>
    <link:label id="lab_us-gaap_GainLossOnSalesOfLoansNet_label_en-US" xlink:label="lab_us-gaap_GainLossOnSalesOfLoansNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gain (Loss) on Sales of Loans, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfLoansNet" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GainLossOnSalesOfLoansNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GainLossOnSalesOfLoansNet" xlink:to="lab_us-gaap_GainLossOnSalesOfLoansNet" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_NetLoansAndLoansHeldForSaleFairValueDisclosure_5e2e80c8-032b-477c-964d-e7469032cfa1_terseLabel_en-US" xlink:label="lab_ibcp_NetLoansAndLoansHeldForSaleFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net loans and loans held for sale</link:label>
    <link:label id="lab_ibcp_NetLoansAndLoansHeldForSaleFairValueDisclosure_label_en-US" xlink:label="lab_ibcp_NetLoansAndLoansHeldForSaleFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Loans And Loans Held For Sale, Fair Value Disclosure</link:label>
    <link:label id="lab_ibcp_NetLoansAndLoansHeldForSaleFairValueDisclosure_documentation_en-US" xlink:label="lab_ibcp_NetLoansAndLoansHeldForSaleFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents all loans held for investment, net of related allowance and loans held-for-sale as presented on the statement of financial position as of the balance sheet date.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NetLoansAndLoansHeldForSaleFairValueDisclosure" xlink:href="ibcp-20251231.xsd#ibcp_NetLoansAndLoansHeldForSaleFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_NetLoansAndLoansHeldForSaleFairValueDisclosure" xlink:to="lab_ibcp_NetLoansAndLoansHeldForSaleFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_834e3429-8ad4-491b-9c9a-085067e00ab3_terseLabel_en-US" xlink:label="lab_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt securities, held-to-maturity, unrecognized losses</link:label>
    <link:label id="lab_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_label_en-US" xlink:label="lab_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity, Accumulated Unrecognized Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss" xlink:to="lab_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_20f53a34-c879-47eb-b33e-f5d2f3f017ef_verboseLabel_en-US" xlink:label="lab_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">LOANS</link:label>
    <link:label id="lab_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans, Notes, Trade and Other Receivables Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:to="lab_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestExpenseAbstract_bb732274-820f-4a13-a5f7-dbdf152ee753_terseLabel_en-US" xlink:label="lab_us-gaap_NoninterestExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">NON-INTEREST EXPENSE</link:label>
    <link:label id="lab_us-gaap_NoninterestExpenseAbstract_label_en-US" xlink:label="lab_us-gaap_NoninterestExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest Expense [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpenseAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestExpenseAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestExpenseAbstract" xlink:to="lab_us-gaap_NoninterestExpenseAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DisaggregationOfRevenueTableTextBlock_a7f6fbaf-3f2d-4759-92b5-c48aa176ae45_terseLabel_en-US" xlink:label="lab_us-gaap_DisaggregationOfRevenueTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disaggregation of Revenue</link:label>
    <link:label id="lab_us-gaap_DisaggregationOfRevenueTableTextBlock_label_en-US" xlink:label="lab_us-gaap_DisaggregationOfRevenueTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disaggregation of Revenue [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisaggregationOfRevenueTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DisaggregationOfRevenueTableTextBlock" xlink:to="lab_us-gaap_DisaggregationOfRevenueTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashAndDueFromBanks_7b390b2e-b6d4-4444-99b8-9868bdd54e2a_terseLabel_en-US" xlink:label="lab_us-gaap_CashAndDueFromBanks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash and due from banks</link:label>
    <link:label id="lab_us-gaap_CashAndDueFromBanks_label_en-US" xlink:label="lab_us-gaap_CashAndDueFromBanks" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash and Due from Banks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndDueFromBanks" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndDueFromBanks"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashAndDueFromBanks" xlink:to="lab_us-gaap_CashAndDueFromBanks" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_c67be59f-1156-47bb-b296-b4440b802e5d_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class of Financing Receivable</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Financing Receivable [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:to="lab_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_InvestmentAndInsuranceCommissions_c5b46cbc-fc9b-40fb-9bbd-a3c3fcbc0674_terseLabel_en-US" xlink:label="lab_ibcp_InvestmentAndInsuranceCommissions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment and insurance commissions</link:label>
    <link:label id="lab_ibcp_InvestmentAndInsuranceCommissions_label_en-US" xlink:label="lab_ibcp_InvestmentAndInsuranceCommissions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment And Insurance Commissions</link:label>
    <link:label id="lab_ibcp_InvestmentAndInsuranceCommissions_documentation_en-US" xlink:label="lab_ibcp_InvestmentAndInsuranceCommissions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Investment and insurance commissions include fees and commissions from asset management, custody, recordkeeping, investment advisory and other services provided to our customers.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InvestmentAndInsuranceCommissions" xlink:href="ibcp-20251231.xsd#ibcp_InvestmentAndInsuranceCommissions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_InvestmentAndInsuranceCommissions" xlink:to="lab_ibcp_InvestmentAndInsuranceCommissions" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_PrincipalAmountOutstandingOnLoansServicedForOthers_9bce1fb6-5eac-410c-8674-94c4605eaf9d_terseLabel_en-US" xlink:label="lab_ibcp_PrincipalAmountOutstandingOnLoansServicedForOthers" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage loans serviced</link:label>
    <link:label id="lab_ibcp_PrincipalAmountOutstandingOnLoansServicedForOthers_label_en-US" xlink:label="lab_ibcp_PrincipalAmountOutstandingOnLoansServicedForOthers" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Principal Amount Outstanding On Loans Serviced For Others</link:label>
    <link:label id="lab_ibcp_PrincipalAmountOutstandingOnLoansServicedForOthers_documentation_en-US" xlink:label="lab_ibcp_PrincipalAmountOutstandingOnLoansServicedForOthers" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This is the principal amount outstanding for mortgage loans serviced for others.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_PrincipalAmountOutstandingOnLoansServicedForOthers" xlink:href="ibcp-20251231.xsd#ibcp_PrincipalAmountOutstandingOnLoansServicedForOthers"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_PrincipalAmountOutstandingOnLoansServicedForOthers" xlink:to="lab_ibcp_PrincipalAmountOutstandingOnLoansServicedForOthers" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing_8ac0d561-5bdb-4a77-852b-5e3715660349_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">90+ and Still Accruing</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_NonPerformingLoanInterestIncomeRecorded_9b8ce405-0739-429e-ab43-7dfddafc6c3c_terseLabel_en-US" xlink:label="lab_ibcp_NonPerformingLoanInterestIncomeRecorded" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest income</link:label>
    <link:label id="lab_ibcp_NonPerformingLoanInterestIncomeRecorded_label_en-US" xlink:label="lab_ibcp_NonPerformingLoanInterestIncomeRecorded" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non Performing Loan Interest Income Recorded</link:label>
    <link:label id="lab_ibcp_NonPerformingLoanInterestIncomeRecorded_documentation_en-US" xlink:label="lab_ibcp_NonPerformingLoanInterestIncomeRecorded" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of interest that was recorded on non-performing loans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NonPerformingLoanInterestIncomeRecorded" xlink:href="ibcp-20251231.xsd#ibcp_NonPerformingLoanInterestIncomeRecorded"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_NonPerformingLoanInterestIncomeRecorded" xlink:to="lab_ibcp_NonPerformingLoanInterestIncomeRecorded" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember_terseLabel_en-US" xlink:label="lab_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividends or Other Earnings Paid on Equity Awards not Otherwise Reflected in Total Compensation for Covered Year</link:label>
    <link:label id="lab_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember_label_en-US" xlink:label="lab_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividends or Other Earnings Paid on Equity Awards not Otherwise Reflected in Total Compensation for Covered Year [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:to="lab_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock_4143c0f7-00f3-4f60-94b5-193e3c0e3c1d_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Finite-Lived Intangible Assets, Future Amortization Expense</link:label>
    <link:label id="lab_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Finite-Lived Intangible Assets, Future Amortization Expense [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock" xlink:to="lab_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IntangibleAssetsFiniteLivedPolicy_b90d20a9-c780-47dd-8f81-689a30d26670_terseLabel_en-US" xlink:label="lab_us-gaap_IntangibleAssetsFiniteLivedPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">OTHER INTANGIBLES</link:label>
    <link:label id="lab_us-gaap_IntangibleAssetsFiniteLivedPolicy_label_en-US" xlink:label="lab_us-gaap_IntangibleAssetsFiniteLivedPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Intangible Assets, Finite-Lived, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsFiniteLivedPolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IntangibleAssetsFiniteLivedPolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IntangibleAssetsFiniteLivedPolicy" xlink:to="lab_us-gaap_IntangibleAssetsFiniteLivedPolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_f3e90d5e-6d90-4042-993c-47eceb6a26d2_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Instruments and Hedging Activities Disclosure [Abstract]</link:label>
    <link:label id="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instruments and Hedging Activities Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:to="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_16afaae3-de46-492e-b83f-bb8e94712497_verboseLabel_en-US" xlink:label="lab_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Maturing after one year but within five years</link:label>
    <link:label id="lab_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_label_en-US" xlink:label="lab_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue"/>
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    <link:label id="lab_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification_a1f9b365-f5b0-4c1f-853c-bbb2f4df5fcd_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Troubled loan modification, interest rate reduction, percent</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified, Weighted Average Interest Rate Decrease from Modification</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification"/>
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    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_1b94e90b-50ee-4d4a-931d-29e695039534_verboseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressPostalZipCode_c0ee1586-eda8-4e8a-91d1-9f59a8ab204c_terseLabel_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:label id="lab_dei_EntityAddressPostalZipCode_label_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressPostalZipCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressPostalZipCode" xlink:to="lab_dei_EntityAddressPostalZipCode" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_RestatementDeterminationDate_terseLabel_en-US" xlink:label="lab_ecd_RestatementDeterminationDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restatement Determination Date</link:label>
    <link:label id="lab_ecd_RestatementDeterminationDate_label_en-US" xlink:label="lab_ecd_RestatementDeterminationDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restatement Determination Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDeterminationDate" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_RestatementDeterminationDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_RestatementDeterminationDate" xlink:to="lab_ecd_RestatementDeterminationDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxExpenseBenefit_1bd9f307-4880-4ee1-845c-b7eeee865ce1_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income tax expense</link:label>
    <link:label id="lab_us-gaap_IncomeTaxExpenseBenefit_d68b5095-be28-4ada-90d9-4b84e428419c_totalLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Income tax expense</link:label>
    <link:label id="lab_us-gaap_IncomeTaxExpenseBenefit_dfda78a0-bbac-4bb6-85d8-733ec9e86859_verboseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Income tax benefit</link:label>
    <link:label id="lab_us-gaap_IncomeTaxExpenseBenefit_label_en-US" xlink:label="lab_us-gaap_IncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Tax Expense (Benefit)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit" xlink:to="lab_us-gaap_IncomeTaxExpenseBenefit" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_BookValueOfPledgedSecurities_49c2889b-d6fa-4f48-b66f-9c64c5225a3d_terseLabel_en-US" xlink:label="lab_ibcp_BookValueOfPledgedSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pledged securities with book value</link:label>
    <link:label id="lab_ibcp_BookValueOfPledgedSecurities_label_en-US" xlink:label="lab_ibcp_BookValueOfPledgedSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Book Value Of Pledged Securities</link:label>
    <link:label id="lab_ibcp_BookValueOfPledgedSecurities_documentation_en-US" xlink:label="lab_ibcp_BookValueOfPledgedSecurities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The net book value of securities were pledged to secure borrowings, public deposits and for other purposes as required by law.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_BookValueOfPledgedSecurities" xlink:href="ibcp-20251231.xsd#ibcp_BookValueOfPledgedSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_BookValueOfPledgedSecurities" xlink:to="lab_ibcp_BookValueOfPledgedSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_IncentiveBasedCompensationExpense_09571be3-97e2-48e5-a6d7-9a85d71e9283_terseLabel_en-US" xlink:label="lab_ibcp_IncentiveBasedCompensationExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Performance-based compensation expense</link:label>
    <link:label id="lab_ibcp_IncentiveBasedCompensationExpense_label_en-US" xlink:label="lab_ibcp_IncentiveBasedCompensationExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Incentive Based Compensation Expense</link:label>
    <link:label id="lab_ibcp_IncentiveBasedCompensationExpense_documentation_en-US" xlink:label="lab_ibcp_IncentiveBasedCompensationExpense" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the expense recognized during the period arising from compensation arrangements for performance programs with employees, directors and certain consultants qualifying for treatment as employees.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_IncentiveBasedCompensationExpense" xlink:href="ibcp-20251231.xsd#ibcp_IncentiveBasedCompensationExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_IncentiveBasedCompensationExpense" xlink:to="lab_ibcp_IncentiveBasedCompensationExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_42f07bbc-a812-45cf-99e7-bb2be5498472_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate spread, percent</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Basis Spread on Variable Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentBasisSpreadOnVariableRate1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:to="lab_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherAssets_10702778-ff58-4bb4-b30d-c0d4166dbd1c_verboseLabel_en-US" xlink:label="lab_us-gaap_OtherAssets" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Accrued income and other assets</link:label>
    <link:label id="lab_us-gaap_OtherAssets_b97df602-aff0-4819-a056-0efa27c81111_terseLabel_en-US" xlink:label="lab_us-gaap_OtherAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued income and other assets</link:label>
    <link:label id="lab_us-gaap_OtherAssets_label_en-US" xlink:label="lab_us-gaap_OtherAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherAssets" xlink:to="lab_us-gaap_OtherAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_2971c272-667d-4235-a7c3-b21350956f8d_periodStartLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_f37f06ad-5531-4471-b7d7-01d6f2daa261_periodEndLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Ending balance</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:to="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CreditRatingStandardPoorsAxis_1b01cb19-0e38-41ee-a766-bd5cadc8471e_terseLabel_en-US" xlink:label="lab_srt_CreditRatingStandardPoorsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit Rating, Standard &amp; Poor's [Axis]</link:label>
    <link:label id="lab_srt_CreditRatingStandardPoorsAxis_label_en-US" xlink:label="lab_srt_CreditRatingStandardPoorsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Rating, Standard &amp; Poor's [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CreditRatingStandardPoorsAxis" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_CreditRatingStandardPoorsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CreditRatingStandardPoorsAxis" xlink:to="lab_srt_CreditRatingStandardPoorsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ServicingAssetMeasurementInput_d2577da3-aded-41fd-8066-5bb036aa51ea_terseLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Servicing asset</link:label>
    <link:label id="lab_us-gaap_ServicingAssetMeasurementInput_label_en-US" xlink:label="lab_us-gaap_ServicingAssetMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Asset, Measurement Input</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetMeasurementInput" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetMeasurementInput"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingAssetMeasurementInput" xlink:to="lab_us-gaap_ServicingAssetMeasurementInput" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesAfterYearFive_5161b6c0-e6a9-4c8c-bc78-6e3589fbe5c4_terseLabel_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2031 and thereafter</link:label>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesAfterYearFive_label_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Time Deposit Maturities, after Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TimeDepositMaturitiesAfterYearFive"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:to="lab_us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockSharesIssued_826f830e-cb7a-4b55-aa2e-df7bc3947f84_verboseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockSharesIssued" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock, shares issued (in shares)</link:label>
    <link:label id="lab_us-gaap_PreferredStockSharesIssued_label_en-US" xlink:label="lab_us-gaap_PreferredStockSharesIssued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Shares Issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesIssued" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockSharesIssued"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockSharesIssued" xlink:to="lab_us-gaap_PreferredStockSharesIssued" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PnsnAdjsSvcCstMember_terseLabel_en-US" xlink:label="lab_ecd_PnsnAdjsSvcCstMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pension Adjustments Service Cost</link:label>
    <link:label id="lab_ecd_PnsnAdjsSvcCstMember_label_en-US" xlink:label="lab_ecd_PnsnAdjsSvcCstMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pension Adjustments Service Cost [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnAdjsSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PnsnAdjsSvcCstMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PnsnAdjsSvcCstMember" xlink:to="lab_ecd_PnsnAdjsSvcCstMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DesignatedAsHedgingInstrumentMember_7fcdba7d-e19e-417b-81da-e740ebd325da_terseLabel_en-US" xlink:label="lab_us-gaap_DesignatedAsHedgingInstrumentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Designated as Hedging Instrument</link:label>
    <link:label id="lab_us-gaap_DesignatedAsHedgingInstrumentMember_label_en-US" xlink:label="lab_us-gaap_DesignatedAsHedgingInstrumentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Designated as Hedging Instrument [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DesignatedAsHedgingInstrumentMember" xlink:to="lab_us-gaap_DesignatedAsHedgingInstrumentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_CollateralDependentLoansByClassAbstract_3cbb9114-67f8-4f5b-a78c-824679799e00_terseLabel_en-US" xlink:label="lab_ibcp_CollateralDependentLoansByClassAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collateral-dependent Loans by Class [Abstract]</link:label>
    <link:label id="lab_ibcp_CollateralDependentLoansByClassAbstract_label_en-US" xlink:label="lab_ibcp_CollateralDependentLoansByClassAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collateral-Dependent Loans By Class [Abstract]</link:label>
    <link:label id="lab_ibcp_CollateralDependentLoansByClassAbstract_documentation_en-US" xlink:label="lab_ibcp_CollateralDependentLoansByClassAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Collateral-dependent Loans by Class [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CollateralDependentLoansByClassAbstract" xlink:href="ibcp-20251231.xsd#ibcp_CollateralDependentLoansByClassAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_CollateralDependentLoansByClassAbstract" xlink:to="lab_ibcp_CollateralDependentLoansByClassAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis_b1b27943-c065-47b3-a21f-768f8fcdb0e8_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Hierarchy and NAV [Axis]</link:label>
    <link:label id="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis_label_en-US" xlink:label="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Hierarchy and NAV [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:to="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_f7b5200d-89e7-4649-a465-3abc4110c204_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedging Relationship [Axis]</link:label>
    <link:label id="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_label_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedging Relationship [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:to="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentGross_054d52f3-4195-4dfc-ae6a-250bd2cc5597_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentGross" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property and equipment, gross</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentGross_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentGross" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment, Gross</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentGross" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PropertyPlantAndEquipmentGross"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentGross" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentGross" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_Watch78Member_9dcdd8c0-7ab5-4422-a297-1832c19c201f_terseLabel_en-US" xlink:label="lab_ibcp_Watch78Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Watch (7-8)</link:label>
    <link:label id="lab_ibcp_Watch78Member_label_en-US" xlink:label="lab_ibcp_Watch78Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Watch 7-8 [Member]</link:label>
    <link:label id="lab_ibcp_Watch78Member_documentation_en-US" xlink:label="lab_ibcp_Watch78Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">These loans are generally referred to as "watch" commercial credits. This rating includes loans to borrowers that exhibit potential credit weakness or downward trends. If not checked or cured these trends could weaken our asset or credit position. While potentially weak, no loss of principle or interest is envisioned with these ratings.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Watch78Member" xlink:href="ibcp-20251231.xsd#ibcp_Watch78Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_Watch78Member" xlink:to="lab_ibcp_Watch78Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_InvestmentSoldShares_c27cb114-84b1-4234-8e70-a519487dc82b_terseLabel_en-US" xlink:label="lab_ibcp_InvestmentSoldShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment sold (in shares)</link:label>
    <link:label id="lab_ibcp_InvestmentSoldShares_label_en-US" xlink:label="lab_ibcp_InvestmentSoldShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment Sold, Shares</link:label>
    <link:label id="lab_ibcp_InvestmentSoldShares_documentation_en-US" xlink:label="lab_ibcp_InvestmentSoldShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Investment Sold, Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InvestmentSoldShares" xlink:href="ibcp-20251231.xsd#ibcp_InvestmentSoldShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_InvestmentSoldShares" xlink:to="lab_ibcp_InvestmentSoldShares" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_9b7415bf-583c-4e1f-941c-c1e27af00fd5_verboseLabel_en-US" xlink:label="lab_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Maturing within one year</link:label>
    <link:label id="lab_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_label_en-US" xlink:label="lab_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, Year One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:to="lab_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_SubordinatedDebenturesMember_019ca166-32c0-72d3-a1d0-33c8aead073f_terseLabel_en-US" xlink:label="lab_ibcp_SubordinatedDebenturesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated Debentures</link:label>
    <link:label id="lab_ibcp_SubordinatedDebenturesMember_label_en-US" xlink:label="lab_ibcp_SubordinatedDebenturesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Debentures [Member]</link:label>
    <link:label id="lab_ibcp_SubordinatedDebenturesMember_documentation_en-US" xlink:label="lab_ibcp_SubordinatedDebenturesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subordinated Debentures</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SubordinatedDebenturesMember" xlink:href="ibcp-20251231.xsd#ibcp_SubordinatedDebenturesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_SubordinatedDebenturesMember" xlink:to="lab_ibcp_SubordinatedDebenturesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockholdersEquityPolicyTextBlock_32198e43-7955-4444-88d4-b723107f755d_terseLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquityPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">COMMON STOCK</link:label>
    <link:label id="lab_us-gaap_StockholdersEquityPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_StockholdersEquityPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stockholders' Equity, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockholdersEquityPolicyTextBlock" xlink:to="lab_us-gaap_StockholdersEquityPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_EquityInvestmentConversionRatio_6abc9499-a17f-49ca-b870-dc79cda98fe5_terseLabel_en-US" xlink:label="lab_ibcp_EquityInvestmentConversionRatio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Current conversion ratio</link:label>
    <link:label id="lab_ibcp_EquityInvestmentConversionRatio_label_en-US" xlink:label="lab_ibcp_EquityInvestmentConversionRatio" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Investment, Conversion Ratio</link:label>
    <link:label id="lab_ibcp_EquityInvestmentConversionRatio_documentation_en-US" xlink:label="lab_ibcp_EquityInvestmentConversionRatio" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Ratio applied to the conversion of one type or class of equity instrument into another type or class of equity instrument.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_EquityInvestmentConversionRatio" xlink:href="ibcp-20251231.xsd#ibcp_EquityInvestmentConversionRatio"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_EquityInvestmentConversionRatio" xlink:to="lab_ibcp_EquityInvestmentConversionRatio" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock_terseLabel_en-US" xlink:label="lab_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Company Selected Measure</link:label>
    <link:label id="lab_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock_label_en-US" xlink:label="lab_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Company Selected Measure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:to="lab_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_AccountServiceChargesMember_ebaca23e-6e3e-42a3-b974-4b9401267658_terseLabel_en-US" xlink:label="lab_ibcp_AccountServiceChargesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Account service charges</link:label>
    <link:label id="lab_ibcp_AccountServiceChargesMember_label_en-US" xlink:label="lab_ibcp_AccountServiceChargesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Account Service Charges [Member]</link:label>
    <link:label id="lab_ibcp_AccountServiceChargesMember_documentation_en-US" xlink:label="lab_ibcp_AccountServiceChargesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Revenues are earned on depository accounts for commercial and retail customers and include fees for transaction-based, account maintenance services.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AccountServiceChargesMember" xlink:href="ibcp-20251231.xsd#ibcp_AccountServiceChargesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_AccountServiceChargesMember" xlink:to="lab_ibcp_AccountServiceChargesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalAbstract_4eb2eee0-700a-4bd5-893a-d2205d6804d3_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tier 1 capital to risk-weighted assets</link:label>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalAbstract_label_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Risk-Based Capital [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneRiskBasedCapitalAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract" xlink:to="lab_us-gaap_TierOneRiskBasedCapitalAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromStockOptionsExercised_a3f3403e-6088-447d-814f-c1c9b2ce3e9a_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromStockOptionsExercised" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash proceeds received</link:label>
    <link:label id="lab_us-gaap_ProceedsFromStockOptionsExercised_label_en-US" xlink:label="lab_us-gaap_ProceedsFromStockOptionsExercised" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Stock Options Exercised</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromStockOptionsExercised" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromStockOptionsExercised"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromStockOptionsExercised" xlink:to="lab_us-gaap_ProceedsFromStockOptionsExercised" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AllTradingArrangementsMember_terseLabel_en-US" xlink:label="lab_ecd_AllTradingArrangementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">All Trading Arrangements</link:label>
    <link:label id="lab_ecd_AllTradingArrangementsMember_label_en-US" xlink:label="lab_ecd_AllTradingArrangementsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">All Trading Arrangements [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllTradingArrangementsMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AllTradingArrangementsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AllTradingArrangementsMember" xlink:to="lab_ecd_AllTradingArrangementsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_EqtyAwrdsAdjFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_EqtyAwrdsAdjFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Awards Adjustments, Footnote</link:label>
    <link:label id="lab_ecd_EqtyAwrdsAdjFnTextBlock_label_en-US" xlink:label="lab_ecd_EqtyAwrdsAdjFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Awards Adjustments, Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_EqtyAwrdsAdjFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_EqtyAwrdsAdjFnTextBlock" xlink:to="lab_ecd_EqtyAwrdsAdjFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TotalShareholderRtnVsPeerGroupTextBlock_terseLabel_en-US" xlink:label="lab_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Shareholder Return Vs Peer Group</link:label>
    <link:label id="lab_ecd_TotalShareholderRtnVsPeerGroupTextBlock_label_en-US" xlink:label="lab_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total Shareholder Return Vs Peer Group [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TotalShareholderRtnVsPeerGroupTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:to="lab_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_48009226-da75-47d0-a937-be0ef77ee513_terseLabel_en-US" xlink:label="lab_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</link:label>
    <link:label id="lab_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_label_en-US" xlink:label="lab_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems"/>
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    <link:label id="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1_e0e83d99-1a8d-4e79-b58d-1be6db4da616_terseLabel_en-US" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Vested and expected to vest, weighted-average remaining contractual term</link:label>
    <link:label id="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1_label_en-US" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Vested and Expected to Vest, Outstanding, Weighted Average Remaining Contractual Term</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1" xlink:to="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_LongTermIncentivePlanMember_416daec6-b724-46e7-8e7f-7b02157a1969_verboseLabel_en-US" xlink:label="lab_ibcp_LongTermIncentivePlanMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Long-Term Incentive Plan</link:label>
    <link:label id="lab_ibcp_LongTermIncentivePlanMember_label_en-US" xlink:label="lab_ibcp_LongTermIncentivePlanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Incentive Plan [Member]</link:label>
    <link:label id="lab_ibcp_LongTermIncentivePlanMember_documentation_en-US" xlink:label="lab_ibcp_LongTermIncentivePlanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The entity's equity-based compensation arrangement plan.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_LongTermIncentivePlanMember" xlink:href="ibcp-20251231.xsd#ibcp_LongTermIncentivePlanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_LongTermIncentivePlanMember" xlink:to="lab_ibcp_LongTermIncentivePlanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome_019ca1e6-2027-7a6f-a334-d9fa71caa934_negatedLabel_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Tax-exempt interest income</link:label>
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome_label_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Tax Exempt Income, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome" xlink:to="lab_us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommitmentsAndContingenciesPolicyTextBlock_019c7519-87ca-7916-bb75-6ef7239e5146_terseLabel_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingenciesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">LOSS CONTINGENCIES</link:label>
    <link:label id="lab_us-gaap_CommitmentsAndContingenciesPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingenciesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommitmentsAndContingenciesPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommitmentsAndContingenciesPolicyTextBlock" xlink:to="lab_us-gaap_CommitmentsAndContingenciesPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxReconciliationOtherAdjustments_396b8b99-e071-4fdd-87b2-d824607bce3e_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationOtherAdjustments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other, net</link:label>
    <link:label id="lab_us-gaap_IncomeTaxReconciliationOtherAdjustments_label_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationOtherAdjustments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Other Adjustments, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationOtherAdjustments" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxReconciliationOtherAdjustments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxReconciliationOtherAdjustments" xlink:to="lab_us-gaap_IncomeTaxReconciliationOtherAdjustments" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxLiabilitiesAbstract_385b8ebd-4000-4602-aed1-0a2dd2333dd1_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred tax liabilities</link:label>
    <link:label id="lab_us-gaap_DeferredTaxLiabilitiesAbstract_label_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Gross [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxLiabilitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxLiabilitiesAbstract" xlink:to="lab_us-gaap_DeferredTaxLiabilitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestIncomeOtherOperatingIncome_16382c79-14ef-4f70-a190-38cd455ae773_verboseLabel_en-US" xlink:label="lab_us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_us-gaap_NoninterestIncomeOtherOperatingIncome_ac1595f7-4c44-4ab7-b5b8-ea289d2eeba6_totalLabel_en-US" xlink:label="lab_us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total other non-interest income</link:label>
    <link:label id="lab_us-gaap_NoninterestIncomeOtherOperatingIncome_label_en-US" xlink:label="lab_us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest Income, Other Operating Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome"/>
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    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_18bd7e3e-f6c9-422e-a302-de30adacda9b_periodStartLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Outstanding, beginning balance (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_f74c32c0-eb72-43e3-a67d-caf509a1cc36_periodEndLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Outstanding, ending balance (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
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    <link:label id="lab_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_926de65a-f77b-4e92-b38f-81e6aecdbca8_terseLabel_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies Disclosure [Abstract]</link:label>
    <link:label id="lab_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
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    <link:label id="lab_ibcp_ComponentsOfRegulatoryCapitalTableTextBlock_bd0f77b5-6825-4da2-9ac4-4060d0128be0_terseLabel_en-US" xlink:label="lab_ibcp_ComponentsOfRegulatoryCapitalTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Components Of Regulatory Capital</link:label>
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    <link:label id="lab_ibcp_MaximumPercentageOfDeclineInNetWorthForTwoConsecutiveQuarters_1dcb0939-26ff-475a-8fcd-6f7485d4c200_terseLabel_en-US" xlink:label="lab_ibcp_MaximumPercentageOfDeclineInNetWorthForTwoConsecutiveQuarters" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum percentage of decline in net worth for two consecutive quarters</link:label>
    <link:label id="lab_ibcp_MaximumPercentageOfDeclineInNetWorthForTwoConsecutiveQuarters_label_en-US" xlink:label="lab_ibcp_MaximumPercentageOfDeclineInNetWorthForTwoConsecutiveQuarters" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maximum Percentage Of Decline In Net Worth For Two Consecutive Quarters</link:label>
    <link:label id="lab_ibcp_MaximumPercentageOfDeclineInNetWorthForTwoConsecutiveQuarters_documentation_en-US" xlink:label="lab_ibcp_MaximumPercentageOfDeclineInNetWorthForTwoConsecutiveQuarters" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Refers to maximum percentage of decline in net worth for two consecutive quarters.</link:label>
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    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities_67d2cbfb-cbfe-4093-8798-766ea5812b9f_totalLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net Cash From Operating Activities</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities_794d2cc3-52fb-418f-9b2e-851c02f7aa15_terseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net Cash From Operating Activities</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Provided by (Used in) Operating Activity, Including Discontinued Operation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
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    <link:label id="lab_us-gaap_DebtInstrumentTerm_47f29220-01cf-4ff3-9660-bb5fff600580_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentTerm" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt instrument, term</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentTerm_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentTerm" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Term</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTerm" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentTerm"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentTerm" xlink:to="lab_us-gaap_DebtInstrumentTerm" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_DepositsWithStatedMaturityFairValueDisclosure_019ca161-f79d-73a0-a6b4-156136450d13_terseLabel_en-US" xlink:label="lab_ibcp_DepositsWithStatedMaturityFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits with stated maturity</link:label>
    <link:label id="lab_ibcp_DepositsWithStatedMaturityFairValueDisclosure_label_en-US" xlink:label="lab_ibcp_DepositsWithStatedMaturityFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits, With Stated Maturity, Fair Value Disclosure</link:label>
    <link:label id="lab_ibcp_DepositsWithStatedMaturityFairValueDisclosure_documentation_en-US" xlink:label="lab_ibcp_DepositsWithStatedMaturityFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deposits, With Stated Maturity, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DepositsWithStatedMaturityFairValueDisclosure" xlink:href="ibcp-20251231.xsd#ibcp_DepositsWithStatedMaturityFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_DepositsWithStatedMaturityFairValueDisclosure" xlink:to="lab_ibcp_DepositsWithStatedMaturityFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_be41bb13-7dd9-4018-a15b-0ecee4d634db_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from the sale of securities available for sale</link:label>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_label_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Sale of Debt Securities, Available-for-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt"/>
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    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_4389c7dd-c26c-435a-a200-509cf16de39a_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securities available for sale</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_0e3d6746-b6d5-4ce1-83f0-321ca7982409_totalLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total securities available-for-sale, fair value</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Excluding Accrued Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
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    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales_230f2fb0-77cb-481a-8f36-09a5caedf465_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Sales</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Sales</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales" xlink:to="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentUsefulLife_6ab00236-a47e-4d3c-bb89-fd4eac0d04ba_verboseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Estimated useful lives</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentUsefulLife_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment, Useful Life</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PropertyPlantAndEquipmentUsefulLife"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsequentEventMember_ea6d7731-fc47-4a3b-84a1-ee847a40f6e4_terseLabel_en-US" xlink:label="lab_us-gaap_SubsequentEventMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsequent Event</link:label>
    <link:label id="lab_us-gaap_SubsequentEventMember_label_en-US" xlink:label="lab_us-gaap_SubsequentEventMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Event [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SubsequentEventMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventMember" xlink:to="lab_us-gaap_SubsequentEventMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestIncomeExpenseNet_8804325d-e0de-4369-89c6-2c6d368bcd74_totalLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net Interest Income</link:label>
    <link:label id="lab_us-gaap_InterestIncomeExpenseNet_df4b4016-16ba-4527-bdf6-647a5372a0d6_verboseLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseNet" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Interest expense</link:label>
    <link:label id="lab_us-gaap_InterestIncomeExpenseNet_15c7d760-ec5a-46de-9dcf-996000bd58d8_terseLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net interest income</link:label>
    <link:label id="lab_us-gaap_InterestIncomeExpenseNet_label_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income (Expense), Operating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeExpenseNet" xlink:to="lab_us-gaap_InterestIncomeExpenseNet" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_EquityValuationAssumptionDifferenceFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Valuation Assumption Difference, Footnote</link:label>
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    <link:label id="lab_ibcp_FederalHomeLoanBankAdvancesVariableRateMember_34ae1e5c-2b8b-41d0-8bea-f3c9cdf6937e_terseLabel_en-US" xlink:label="lab_ibcp_FederalHomeLoanBankAdvancesVariableRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Variable Rate</link:label>
    <link:label id="lab_ibcp_FederalHomeLoanBankAdvancesVariableRateMember_label_en-US" xlink:label="lab_ibcp_FederalHomeLoanBankAdvancesVariableRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Variable Rate [Member]</link:label>
    <link:label id="lab_ibcp_FederalHomeLoanBankAdvancesVariableRateMember_documentation_en-US" xlink:label="lab_ibcp_FederalHomeLoanBankAdvancesVariableRateMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Variable Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FederalHomeLoanBankAdvancesVariableRateMember" xlink:href="ibcp-20251231.xsd#ibcp_FederalHomeLoanBankAdvancesVariableRateMember"/>
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    <link:label id="lab_ecd_PeoTotalCompAmt_terseLabel_en-US" xlink:label="lab_ecd_PeoTotalCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PEO Total Compensation Amount</link:label>
    <link:label id="lab_ecd_PeoTotalCompAmt_label_en-US" xlink:label="lab_ecd_PeoTotalCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">PEO Total Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoTotalCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PeoTotalCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PeoTotalCompAmt" xlink:to="lab_ecd_PeoTotalCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapital_e7413144-929c-4216-9ce0-c2342fd1f38d_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actual</link:label>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapital_label_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Risk-Based Capital, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapital" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneRiskBasedCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneRiskBasedCapital" xlink:to="lab_us-gaap_TierOneRiskBasedCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongtermDebtTypeAxis_fc0e5c6c-bf97-4428-9d10-645b22fdf464_terseLabel_en-US" xlink:label="lab_us-gaap_LongtermDebtTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Long-term Debt, Type [Axis]</link:label>
    <link:label id="lab_us-gaap_LongtermDebtTypeAxis_label_en-US" xlink:label="lab_us-gaap_LongtermDebtTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongtermDebtTypeAxis" xlink:to="lab_us-gaap_LongtermDebtTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_Depreciation_1bb6b79c-c9b8-48c2-8cad-77c7913e8ff5_terseLabel_en-US" xlink:label="lab_us-gaap_Depreciation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Depreciation</link:label>
    <link:label id="lab_us-gaap_Depreciation_label_en-US" xlink:label="lab_us-gaap_Depreciation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Depreciation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Depreciation" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Depreciation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Depreciation" xlink:to="lab_us-gaap_Depreciation" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_NumberOfPastDueDaysForCommercialLoanInstallmentLoansAndPaymentPlanReceivables_5a5ce4ea-dc68-449b-aac6-cd9288685de8_terseLabel_en-US" xlink:label="lab_ibcp_NumberOfPastDueDaysForCommercialLoanInstallmentLoansAndPaymentPlanReceivables" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of days past due</link:label>
    <link:label id="lab_ibcp_NumberOfPastDueDaysForCommercialLoanInstallmentLoansAndPaymentPlanReceivables_label_en-US" xlink:label="lab_ibcp_NumberOfPastDueDaysForCommercialLoanInstallmentLoansAndPaymentPlanReceivables" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number of Past Due Days for Commercial Loan, Installment Loans and Payment Plan Receivables</link:label>
    <link:label id="lab_ibcp_NumberOfPastDueDaysForCommercialLoanInstallmentLoansAndPaymentPlanReceivables_documentation_en-US" xlink:label="lab_ibcp_NumberOfPastDueDaysForCommercialLoanInstallmentLoansAndPaymentPlanReceivables" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of past due days for commercial loan, installment loans and payment plan receivables when accrual of interest income is discontinued, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Includes, but not limited to, weeks in a year or quarter.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NumberOfPastDueDaysForCommercialLoanInstallmentLoansAndPaymentPlanReceivables" xlink:href="ibcp-20251231.xsd#ibcp_NumberOfPastDueDaysForCommercialLoanInstallmentLoansAndPaymentPlanReceivables"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_NumberOfPastDueDaysForCommercialLoanInstallmentLoansAndPaymentPlanReceivables" xlink:to="lab_ibcp_NumberOfPastDueDaysForCommercialLoanInstallmentLoansAndPaymentPlanReceivables" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice_69b867fb-e314-497c-97a5-f2cd7db6f567_periodEndLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Vested and expected to vest, period end (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Vested and Expected to Vest, Outstanding, Weighted Average Exercise Price</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeFairValueOfDerivativeLiability_dd453b2b-1690-4fac-839d-969e51091b06_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liability Derivatives</link:label>
    <link:label id="lab_us-gaap_DerivativeFairValueOfDerivativeLiability_label_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Liability, Subject to Master Netting Arrangement, before Offset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:to="lab_us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract_36b9fe9a-1ca4-4bc0-bfab-ff36bca3093a_verboseLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Net income per common share</link:label>
    <link:label id="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract_label_en-US" xlink:label="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Income (Loss) Available to Common Stockholders, Diluted [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract" xlink:to="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementEquityComponentsAxis_d0772de6-7648-4e97-9e2f-ae6c402eb21c_terseLabel_en-US" xlink:label="lab_us-gaap_StatementEquityComponentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Components [Axis]</link:label>
    <link:label id="lab_us-gaap_StatementEquityComponentsAxis_label_en-US" xlink:label="lab_us-gaap_StatementEquityComponentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Components [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementEquityComponentsAxis" xlink:to="lab_us-gaap_StatementEquityComponentsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_abe7bc82-f87b-43a1-ab32-ee28b0a70ea1_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing receivable, year four, originated, three years before current fiscal year</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentLineItems_e8f0c9e4-bb32-4c4a-b82b-6b19131d393e_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment [Line Items]</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentLineItems_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PropertyPlantAndEquipmentLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StandbyLettersOfCreditMember_4a0ddba4-5754-4e45-a6e8-75eeb746d8d1_terseLabel_en-US" xlink:label="lab_us-gaap_StandbyLettersOfCreditMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Standby letters of credit</link:label>
    <link:label id="lab_us-gaap_StandbyLettersOfCreditMember_label_en-US" xlink:label="lab_us-gaap_StandbyLettersOfCreditMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Standby Letters of Credit [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StandbyLettersOfCreditMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StandbyLettersOfCreditMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StandbyLettersOfCreditMember" xlink:to="lab_us-gaap_StandbyLettersOfCreditMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NonRule10b51ArrAdoptedFlag_terseLabel_en-US" xlink:label="lab_ecd_NonRule10b51ArrAdoptedFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-Rule 10b5-1 Arrangement Adopted</link:label>
    <link:label id="lab_ecd_NonRule10b51ArrAdoptedFlag_label_en-US" xlink:label="lab_ecd_NonRule10b51ArrAdoptedFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Rule 10b5-1 Arrangement Adopted [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonRule10b51ArrAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_NonRule10b51ArrAdoptedFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NonRule10b51ArrAdoptedFlag" xlink:to="lab_ecd_NonRule10b51ArrAdoptedFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NumberOfReportableSegments_45362366-4711-44a0-b7ed-20adece46169_terseLabel_en-US" xlink:label="lab_us-gaap_NumberOfReportableSegments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of reportable segments</link:label>
    <link:label id="lab_us-gaap_NumberOfReportableSegments_label_en-US" xlink:label="lab_us-gaap_NumberOfReportableSegments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number of Reportable Segments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NumberOfReportableSegments" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NumberOfReportableSegments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NumberOfReportableSegments" xlink:to="lab_us-gaap_NumberOfReportableSegments" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod_a12ce6d6-f274-40fd-a5cf-55059fd6fd66_negatedLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Expired (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Expirations in Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_MortgageLoanServicingRightsSaleTransactionExpense_4c9edbf5-36db-409b-9f2a-f5ad1b181174_terseLabel_en-US" xlink:label="lab_ibcp_MortgageLoanServicingRightsSaleTransactionExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transaction expense</link:label>
    <link:label id="lab_ibcp_MortgageLoanServicingRightsSaleTransactionExpense_label_en-US" xlink:label="lab_ibcp_MortgageLoanServicingRightsSaleTransactionExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Loan Servicing Rights, Sale Transaction Expense</link:label>
    <link:label id="lab_ibcp_MortgageLoanServicingRightsSaleTransactionExpense_documentation_en-US" xlink:label="lab_ibcp_MortgageLoanServicingRightsSaleTransactionExpense" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage Loan Servicing Rights, Sale Transaction Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_MortgageLoanServicingRightsSaleTransactionExpense" xlink:href="ibcp-20251231.xsd#ibcp_MortgageLoanServicingRightsSaleTransactionExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_MortgageLoanServicingRightsSaleTransactionExpense" xlink:to="lab_ibcp_MortgageLoanServicingRightsSaleTransactionExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_SubsidiariesTrustTwoMember_e28102d7-0f23-4f71-9ebd-2b14d1eac576_terseLabel_en-US" xlink:label="lab_ibcp_SubsidiariesTrustTwoMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">IBC Capital Finance III</link:label>
    <link:label id="lab_ibcp_SubsidiariesTrustTwoMember_label_en-US" xlink:label="lab_ibcp_SubsidiariesTrustTwoMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsidiaries Trust Two [Member]</link:label>
    <link:label id="lab_ibcp_SubsidiariesTrustTwoMember_documentation_en-US" xlink:label="lab_ibcp_SubsidiariesTrustTwoMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subsidiaries trust which is controlled, directly or indirectly, by its parent. The usual condition for control is ownership of a majority (over 50%) of the outstanding voting stock. The power to control may also exist with a lesser percentage of ownership, for example, by contract, lease, agreement with other stockholders or by court decree.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SubsidiariesTrustTwoMember" xlink:href="ibcp-20251231.xsd#ibcp_SubsidiariesTrustTwoMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_SubsidiariesTrustTwoMember" xlink:to="lab_ibcp_SubsidiariesTrustTwoMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_GroupFlexiblePremiumNonParticipatingVariableLifeInsuranceContract_bd295510-da23-4da7-820f-02efb428a742_terseLabel_en-US" xlink:label="lab_ibcp_GroupFlexiblePremiumNonParticipatingVariableLifeInsuranceContract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of lives of group flexible premium non-participating variable life insurance contract</link:label>
    <link:label id="lab_ibcp_GroupFlexiblePremiumNonParticipatingVariableLifeInsuranceContract_label_en-US" xlink:label="lab_ibcp_GroupFlexiblePremiumNonParticipatingVariableLifeInsuranceContract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Group Flexible Premium Non-Participating Variable Life Insurance Contract</link:label>
    <link:label id="lab_ibcp_GroupFlexiblePremiumNonParticipatingVariableLifeInsuranceContract_documentation_en-US" xlink:label="lab_ibcp_GroupFlexiblePremiumNonParticipatingVariableLifeInsuranceContract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of lives of group flexible premium non-participating variable life insurance contract that the company purchased.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_GroupFlexiblePremiumNonParticipatingVariableLifeInsuranceContract" xlink:href="ibcp-20251231.xsd#ibcp_GroupFlexiblePremiumNonParticipatingVariableLifeInsuranceContract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_GroupFlexiblePremiumNonParticipatingVariableLifeInsuranceContract" xlink:to="lab_ibcp_GroupFlexiblePremiumNonParticipatingVariableLifeInsuranceContract" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_NetIncreaseDecreaseOfPortfolioLoansOriginatedNetOfPrincipalPayments_25c0a3ce-cef3-4e87-b3f5-b81923ba1b33_negatedLabel_en-US" xlink:label="lab_ibcp_NetIncreaseDecreaseOfPortfolioLoansOriginatedNetOfPrincipalPayments" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Net increase in portfolio loans (loans originated, net of principal payments)</link:label>
    <link:label id="lab_ibcp_NetIncreaseDecreaseOfPortfolioLoansOriginatedNetOfPrincipalPayments_label_en-US" xlink:label="lab_ibcp_NetIncreaseDecreaseOfPortfolioLoansOriginatedNetOfPrincipalPayments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net (Increase) Decrease of Portfolio Loans, Originated net of Principal Payments</link:label>
    <link:label id="lab_ibcp_NetIncreaseDecreaseOfPortfolioLoansOriginatedNetOfPrincipalPayments_documentation_en-US" xlink:label="lab_ibcp_NetIncreaseDecreaseOfPortfolioLoansOriginatedNetOfPrincipalPayments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The net cash inflow or outflow for the (increase) decrease in the beginning and end of period of portfolio loan balances originated net of principal payments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NetIncreaseDecreaseOfPortfolioLoansOriginatedNetOfPrincipalPayments" xlink:href="ibcp-20251231.xsd#ibcp_NetIncreaseDecreaseOfPortfolioLoansOriginatedNetOfPrincipalPayments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_NetIncreaseDecreaseOfPortfolioLoansOriginatedNetOfPrincipalPayments" xlink:to="lab_ibcp_NetIncreaseDecreaseOfPortfolioLoansOriginatedNetOfPrincipalPayments" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressStateOrProvince_918cfa1e-4508-41e7-9057-4257adcfd917_terseLabel_en-US" xlink:label="lab_dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, State or Province</link:label>
    <link:label id="lab_dei_EntityAddressStateOrProvince_label_en-US" xlink:label="lab_dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, State or Province</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressStateOrProvince"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressStateOrProvince" xlink:to="lab_dei_EntityAddressStateOrProvince" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestAndDividendIncomeOperating_6ada1178-e6b4-42cc-8501-9404de5d9104_totalLabel_en-US" xlink:label="lab_us-gaap_InterestAndDividendIncomeOperating" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total Interest Income</link:label>
    <link:label id="lab_us-gaap_InterestAndDividendIncomeOperating_e3e03fa8-a713-4500-9297-f019109f1882_terseLabel_en-US" xlink:label="lab_us-gaap_InterestAndDividendIncomeOperating" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest income</link:label>
    <link:label id="lab_us-gaap_InterestAndDividendIncomeOperating_label_en-US" xlink:label="lab_us-gaap_InterestAndDividendIncomeOperating" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest and Dividend Income, Operating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating" xlink:to="lab_us-gaap_InterestAndDividendIncomeOperating" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain_8bc11e6b-07c5-4623-a741-a1589412a579_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Asset, Aging</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, Aging [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:to="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ServicingAsset_f6f8f627-6507-4b24-bd57-7edce0f5ee28_terseLabel_en-US" xlink:label="lab_us-gaap_ServicingAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Servicing asset fair value</link:label>
    <link:label id="lab_us-gaap_ServicingAsset_label_en-US" xlink:label="lab_us-gaap_ServicingAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAsset" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingAsset" xlink:to="lab_us-gaap_ServicingAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoansReceivableFairValueDisclosure_7360feef-bf9c-4699-a868-7210ca1e29b3_terseLabel_en-US" xlink:label="lab_us-gaap_LoansReceivableFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans receivable, fair value disclosure</link:label>
    <link:label id="lab_us-gaap_LoansReceivableFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_LoansReceivableFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Receivable, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansReceivableFairValueDisclosure" xlink:to="lab_us-gaap_LoansReceivableFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_DistributionDeferralPeriodSubordinatedDebentures_fa22626b-e081-47c8-9719-07d949bda6f8_terseLabel_en-US" xlink:label="lab_ibcp_DistributionDeferralPeriodSubordinatedDebentures" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Distribution deferral period, maximum quarters</link:label>
    <link:label id="lab_ibcp_DistributionDeferralPeriodSubordinatedDebentures_label_en-US" xlink:label="lab_ibcp_DistributionDeferralPeriodSubordinatedDebentures" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Distribution Deferral Period Subordinated Debentures</link:label>
    <link:label id="lab_ibcp_DistributionDeferralPeriodSubordinatedDebentures_documentation_en-US" xlink:label="lab_ibcp_DistributionDeferralPeriodSubordinatedDebentures" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">For an issue of Subordinated Debentures, maximum distribution deferral period (payments of interest).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DistributionDeferralPeriodSubordinatedDebentures" xlink:href="ibcp-20251231.xsd#ibcp_DistributionDeferralPeriodSubordinatedDebentures"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_DistributionDeferralPeriodSubordinatedDebentures" xlink:to="lab_ibcp_DistributionDeferralPeriodSubordinatedDebentures" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract_c73c6299-b303-4c03-89a8-4c381594efb4_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive income</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), before Tax, Portion Attributable to Parent [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_IndividualAxis_terseLabel_en-US" xlink:label="lab_ecd_IndividualAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Individual:</link:label>
    <link:label id="lab_ecd_IndividualAxis_label_en-US" xlink:label="lab_ecd_IndividualAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Individual [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_IndividualAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_IndividualAxis" xlink:to="lab_ecd_IndividualAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedContributionPlanCostRecognized_cc881635-b25a-4fed-9699-4603c46a910c_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedContributionPlanCostRecognized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">401(k) and employee stock ownership plans, amount expensed</link:label>
    <link:label id="lab_us-gaap_DefinedContributionPlanCostRecognized_label_en-US" xlink:label="lab_us-gaap_DefinedContributionPlanCostRecognized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Contribution Plan, Cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedContributionPlanCostRecognized" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DefinedContributionPlanCostRecognized"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedContributionPlanCostRecognized" xlink:to="lab_us-gaap_DefinedContributionPlanCostRecognized" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentAnnualReport_47185f9c-bd18-4c4b-a7d4-40d29925d3e5_terseLabel_en-US" xlink:label="lab_dei_DocumentAnnualReport" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Annual Report</link:label>
    <link:label id="lab_dei_DocumentAnnualReport_label_en-US" xlink:label="lab_dei_DocumentAnnualReport" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Annual Report</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentAnnualReport" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentAnnualReport"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentAnnualReport" xlink:to="lab_dei_DocumentAnnualReport" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_PresentValueOfNetServicingRevenueMember_e491ebeb-a85a-4245-9ef3-0945da837193_terseLabel_en-US" xlink:label="lab_ibcp_PresentValueOfNetServicingRevenueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Present value of net servicing revenue</link:label>
    <link:label id="lab_ibcp_PresentValueOfNetServicingRevenueMember_label_en-US" xlink:label="lab_ibcp_PresentValueOfNetServicingRevenueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Present Value Of Net Servicing Revenue [Member]</link:label>
    <link:label id="lab_ibcp_PresentValueOfNetServicingRevenueMember_documentation_en-US" xlink:label="lab_ibcp_PresentValueOfNetServicingRevenueMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the present value of net servicing revenue used to measure fair value.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_PresentValueOfNetServicingRevenueMember" xlink:href="ibcp-20251231.xsd#ibcp_PresentValueOfNetServicingRevenueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_PresentValueOfNetServicingRevenueMember" xlink:to="lab_ibcp_PresentValueOfNetServicingRevenueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AdjustmentForAmortization_7af0e46e-ed6a-4d62-902c-36155b17d582_terseLabel_en-US" xlink:label="lab_us-gaap_AdjustmentForAmortization" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amortization</link:label>
    <link:label id="lab_us-gaap_AdjustmentForAmortization_label_en-US" xlink:label="lab_us-gaap_AdjustmentForAmortization" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amortization</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentForAmortization" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdjustmentForAmortization"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustmentForAmortization" xlink:to="lab_us-gaap_AdjustmentForAmortization" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageCouponRate_2264023f-7870-475d-88bc-410faa910eea_terseLabel_en-US" xlink:label="lab_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageCouponRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Average coupon rate</link:label>
    <link:label id="lab_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageCouponRate_label_en-US" xlink:label="lab_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageCouponRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Assets And Servicing Liabilities At Fair Value, Assumptions Used To Estimate Fair Value, Average Coupon Rate</link:label>
    <link:label id="lab_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageCouponRate_documentation_en-US" xlink:label="lab_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageCouponRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The average coupon rate used to estimate the fair value of servicing assets and servicing liabilities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageCouponRate" xlink:href="ibcp-20251231.xsd#ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageCouponRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageCouponRate" xlink:to="lab_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageCouponRate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RealEstateOwnedValuationAllowanceRollForward_15ec2554-64f3-4eba-aacc-f631278c3e24_terseLabel_en-US" xlink:label="lab_us-gaap_RealEstateOwnedValuationAllowanceRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Real Estate Owned Valuation Allowance [Roll Forward]</link:label>
    <link:label id="lab_us-gaap_RealEstateOwnedValuationAllowanceRollForward_label_en-US" xlink:label="lab_us-gaap_RealEstateOwnedValuationAllowanceRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate Owned Valuation Allowance [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateOwnedValuationAllowanceRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealEstateOwnedValuationAllowanceRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RealEstateOwnedValuationAllowanceRollForward" xlink:to="lab_us-gaap_RealEstateOwnedValuationAllowanceRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_CommercialRealEstateLoanMember_96302061-7d59-4361-9ed1-0e80459b299a_terseLabel_en-US" xlink:label="lab_ibcp_CommercialRealEstateLoanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commercial real estate</link:label>
    <link:label id="lab_ibcp_CommercialRealEstateLoanMember_label_en-US" xlink:label="lab_ibcp_CommercialRealEstateLoanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commercial Real Estate Loan [Member]</link:label>
    <link:label id="lab_ibcp_CommercialRealEstateLoanMember_documentation_en-US" xlink:label="lab_ibcp_CommercialRealEstateLoanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loan to finance the purchase of commercial real estate, including but not limited to, land or building.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialRealEstateLoanMember" xlink:href="ibcp-20251231.xsd#ibcp_CommercialRealEstateLoanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_CommercialRealEstateLoanMember" xlink:to="lab_ibcp_CommercialRealEstateLoanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost_8fcb5117-6887-46bf-9a5a-ad7d91662de7_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Available-for-sale securities, without single maturity, amortized cost</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Maturity, without Single Maturity Date, Amortized Cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost" xlink:to="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FICOScore750To799Member_40f6b0c2-1225-4c52-910a-b67b0a7b2733_terseLabel_en-US" xlink:label="lab_ibcp_FICOScore750To799Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">750-799</link:label>
    <link:label id="lab_ibcp_FICOScore750To799Member_label_en-US" xlink:label="lab_ibcp_FICOScore750To799Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">FICO Score, 750 to 799 [Member]</link:label>
    <link:label id="lab_ibcp_FICOScore750To799Member_documentation_en-US" xlink:label="lab_ibcp_FICOScore750To799Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">From 750 to 799 credit score as defined by the external credit rating agency, Fair Isaac Corporation (FICO). Element name and standard label in FICO Score [numeric lower end] to [numeric higher end] [Member] format.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FICOScore750To799Member" xlink:href="ibcp-20251231.xsd#ibcp_FICOScore750To799Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FICOScore750To799Member" xlink:to="lab_ibcp_FICOScore750To799Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock_terseLabel_en-US" xlink:label="lab_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forgone Recovery, Explanation of Impracticability</link:label>
    <link:label id="lab_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock_label_en-US" xlink:label="lab_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forgone Recovery, Explanation of Impracticability [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:to="lab_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_35d9a718-7de9-4682-a8a5-4301d4b3322c_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum for Adequately Capitalized Institutions</link:label>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_label_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Risk-Based Capital, Capital Adequacy, Minimum</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:to="lab_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityInteractiveDataCurrent_992e9655-9cfc-4e9e-a2eb-b9ba1dd65786_terseLabel_en-US" xlink:label="lab_dei_EntityInteractiveDataCurrent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Interactive Data Current</link:label>
    <link:label id="lab_dei_EntityInteractiveDataCurrent_label_en-US" xlink:label="lab_dei_EntityInteractiveDataCurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Interactive Data Current</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityInteractiveDataCurrent" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityInteractiveDataCurrent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityInteractiveDataCurrent" xlink:to="lab_dei_EntityInteractiveDataCurrent" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FinancingReceivableModificationsNumberOfContracts_019cb65f-a233-71bb-b49a-eac4a9f68ec0_terseLabel_en-US" xlink:label="lab_ibcp_FinancingReceivableModificationsNumberOfContracts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Modification, number of loans</link:label>
    <link:label id="lab_ibcp_FinancingReceivableModificationsNumberOfContracts_label_en-US" xlink:label="lab_ibcp_FinancingReceivableModificationsNumberOfContracts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modifications, Number Of Contracts</link:label>
    <link:label id="lab_ibcp_FinancingReceivableModificationsNumberOfContracts_documentation_en-US" xlink:label="lab_ibcp_FinancingReceivableModificationsNumberOfContracts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modifications, Number Of Contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableModificationsNumberOfContracts" xlink:href="ibcp-20251231.xsd#ibcp_FinancingReceivableModificationsNumberOfContracts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FinancingReceivableModificationsNumberOfContracts" xlink:to="lab_ibcp_FinancingReceivableModificationsNumberOfContracts" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_BoatLendingMember_3c45ecf7-d250-4a92-bf58-5afe80c78f60_terseLabel_en-US" xlink:label="lab_ibcp_BoatLendingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Boat lending</link:label>
    <link:label id="lab_ibcp_BoatLendingMember_label_en-US" xlink:label="lab_ibcp_BoatLendingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Boat Lending [Member]</link:label>
    <link:label id="lab_ibcp_BoatLendingMember_documentation_en-US" xlink:label="lab_ibcp_BoatLendingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Class of financing receivables related to boat lending financing receivables.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_BoatLendingMember" xlink:href="ibcp-20251231.xsd#ibcp_BoatLendingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_BoatLendingMember" xlink:to="lab_ibcp_BoatLendingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestCreditLossExpenseReversal_1824d3b0-dd5d-437c-8792-e6063bcfd8e8_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestCreditLossExpenseReversal" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provision for credit losses</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestCreditLossExpenseReversal_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestCreditLossExpenseReversal" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity, Excluding Accrued Interest, Credit Loss Expense (Reversal)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestCreditLossExpenseReversal" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestCreditLossExpenseReversal" xlink:to="lab_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestCreditLossExpenseReversal" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestAndDividendIncomeOperatingAbstract_fe658481-69cf-40dc-a299-296eb04655e5_terseLabel_en-US" xlink:label="lab_us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">INTEREST INCOME</link:label>
    <link:label id="lab_us-gaap_InterestAndDividendIncomeOperatingAbstract_label_en-US" xlink:label="lab_us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest and Dividend Income, Operating [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:to="lab_us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_31838d90-cdd0-4cd3-82de-23258466ee26_terseLabel_en-US" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exercisable, aggregate intrinsic value</link:label>
    <link:label id="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_label_en-US" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercisable, Intrinsic Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1" xlink:to="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestExpense_b8d21575-63ca-4975-a3b5-99e71198e94c_totalLabel_en-US" xlink:label="lab_us-gaap_NoninterestExpense" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total Non-interest Expense</link:label>
    <link:label id="lab_us-gaap_NoninterestExpense_label_en-US" xlink:label="lab_us-gaap_NoninterestExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestExpense" xlink:to="lab_us-gaap_NoninterestExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_DeferredTaxAssetsNonAccrualLoanInterestIncome_46b044ea-cb4e-473c-abf6-86d9d871bd31_terseLabel_en-US" xlink:label="lab_ibcp_DeferredTaxAssetsNonAccrualLoanInterestIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non accrual loan interest income</link:label>
    <link:label id="lab_ibcp_DeferredTaxAssetsNonAccrualLoanInterestIncome_label_en-US" xlink:label="lab_ibcp_DeferredTaxAssetsNonAccrualLoanInterestIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Non Accrual Loan Interest Income</link:label>
    <link:label id="lab_ibcp_DeferredTaxAssetsNonAccrualLoanInterestIncome_documentation_en-US" xlink:label="lab_ibcp_DeferredTaxAssetsNonAccrualLoanInterestIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from non accrual loan interest income.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DeferredTaxAssetsNonAccrualLoanInterestIncome" xlink:href="ibcp-20251231.xsd#ibcp_DeferredTaxAssetsNonAccrualLoanInterestIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_DeferredTaxAssetsNonAccrualLoanInterestIncome" xlink:to="lab_ibcp_DeferredTaxAssetsNonAccrualLoanInterestIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DisaggregationOfRevenueTable_df153b9f-3207-4401-b839-c92391751fac_terseLabel_en-US" xlink:label="lab_us-gaap_DisaggregationOfRevenueTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disaggregation of Revenue [Table]</link:label>
    <link:label id="lab_us-gaap_DisaggregationOfRevenueTable_label_en-US" xlink:label="lab_us-gaap_DisaggregationOfRevenueTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disaggregation of Revenue [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisaggregationOfRevenueTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable" xlink:to="lab_us-gaap_DisaggregationOfRevenueTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock_16c93175-fa0d-422b-a1e6-20ad1a750b96_terseLabel_en-US" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">TRANSFERS OF FINANCIAL ASSETS</link:label>
    <link:label id="lab_us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transfers and Servicing of Financial Assets, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock" xlink:to="lab_us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpenseDeposits_1653353a-f3ce-42e4-b99c-bbe9c3faf82d_verboseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseDeposits" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Deposits</link:label>
    <link:label id="lab_us-gaap_InterestExpenseDeposits_c2464c0b-118c-4c05-a6f1-7db8acdc0fb4_totalLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseDeposits" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_us-gaap_InterestExpenseDeposits_label_en-US" xlink:label="lab_us-gaap_InterestExpenseDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseDeposits" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseDeposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseDeposits" xlink:to="lab_us-gaap_InterestExpenseDeposits" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentByTypeAxis_5bc71381-f49a-473f-b8a0-44841ef35acc_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Long-Lived Tangible Asset [Axis]</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentByTypeAxis_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Lived Tangible Asset [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestIncomeAbstract_54b9e971-c4bf-4ded-b37f-18a867cee1fa_terseLabel_en-US" xlink:label="lab_us-gaap_NoninterestIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">NON-INTEREST INCOME</link:label>
    <link:label id="lab_us-gaap_NoninterestIncomeAbstract_label_en-US" xlink:label="lab_us-gaap_NoninterestIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest Income [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestIncomeAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestIncomeAbstract" xlink:to="lab_us-gaap_NoninterestIncomeAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_DepositsNoStatedMaturityFairValueDisclosure_44a8d6fb-b5fa-4de4-b583-25e8d3eceb36_terseLabel_en-US" xlink:label="lab_ibcp_DepositsNoStatedMaturityFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits with no stated maturity</link:label>
    <link:label id="lab_ibcp_DepositsNoStatedMaturityFairValueDisclosure_label_en-US" xlink:label="lab_ibcp_DepositsNoStatedMaturityFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits, No Stated Maturity, Fair Value Disclosure</link:label>
    <link:label id="lab_ibcp_DepositsNoStatedMaturityFairValueDisclosure_documentation_en-US" xlink:label="lab_ibcp_DepositsNoStatedMaturityFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of all domestic deposit liabilities with no stated maturity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DepositsNoStatedMaturityFairValueDisclosure" xlink:href="ibcp-20251231.xsd#ibcp_DepositsNoStatedMaturityFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_DepositsNoStatedMaturityFairValueDisclosure" xlink:to="lab_ibcp_DepositsNoStatedMaturityFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_AssetManagementRevenueMember_2018859f-60fc-4830-989a-e0a30a5bd6be_terseLabel_en-US" xlink:label="lab_ibcp_AssetManagementRevenueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Asset management revenue</link:label>
    <link:label id="lab_ibcp_AssetManagementRevenueMember_label_en-US" xlink:label="lab_ibcp_AssetManagementRevenueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Management Revenue [Member]</link:label>
    <link:label id="lab_ibcp_AssetManagementRevenueMember_documentation_en-US" xlink:label="lab_ibcp_AssetManagementRevenueMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Investment and insurance commissions include fees and commissions from asset management, custody, recordkeeping, investment advisory and other services provided to our customers.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AssetManagementRevenueMember" xlink:href="ibcp-20251231.xsd#ibcp_AssetManagementRevenueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_AssetManagementRevenueMember" xlink:to="lab_ibcp_AssetManagementRevenueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy_8213e0ff-151b-4031-960b-a68e8b7dadbd_terseLabel_en-US" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">GOODWILL</link:label>
    <link:label id="lab_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy_label_en-US" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Goodwill and Intangible Assets, Goodwill, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy" xlink:to="lab_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ScheduleOfCondensedFinancialStatementsTable_e0e57af3-a190-4ca4-8605-1956aa8afcb2_terseLabel_en-US" xlink:label="lab_srt_ScheduleOfCondensedFinancialStatementsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Financial Statements [Table]</link:label>
    <link:label id="lab_srt_ScheduleOfCondensedFinancialStatementsTable_label_en-US" xlink:label="lab_srt_ScheduleOfCondensedFinancialStatementsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Financial Statements [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfCondensedFinancialStatementsTable" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ScheduleOfCondensedFinancialStatementsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ScheduleOfCondensedFinancialStatementsTable" xlink:to="lab_srt_ScheduleOfCondensedFinancialStatementsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockSubjectToMandatoryRedemptionMember_7b8af3d3-c858-4638-b733-8c63ee9eab7c_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockSubjectToMandatoryRedemptionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common Stock Issued</link:label>
    <link:label id="lab_us-gaap_CommonStockSubjectToMandatoryRedemptionMember_label_en-US" xlink:label="lab_us-gaap_CommonStockSubjectToMandatoryRedemptionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock Subject to Mandatory Redemption [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSubjectToMandatoryRedemptionMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockSubjectToMandatoryRedemptionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockSubjectToMandatoryRedemptionMember" xlink:to="lab_us-gaap_CommonStockSubjectToMandatoryRedemptionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_NameOfMajorCustomerDomain_dbefb523-1a33-4229-8fcf-268233560724_terseLabel_en-US" xlink:label="lab_srt_NameOfMajorCustomerDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Customer</link:label>
    <link:label id="lab_srt_NameOfMajorCustomerDomain_label_en-US" xlink:label="lab_srt_NameOfMajorCustomerDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Customer [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_NameOfMajorCustomerDomain" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_NameOfMajorCustomerDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_NameOfMajorCustomerDomain" xlink:to="lab_srt_NameOfMajorCustomerDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityCentralIndexKey_568ed065-23e9-4de5-8b95-fe02df90742c_terseLabel_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity central index key</link:label>
    <link:label id="lab_dei_EntityCentralIndexKey_label_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityCentralIndexKey"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCentralIndexKey" xlink:to="lab_dei_EntityCentralIndexKey" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PeoName_terseLabel_en-US" xlink:label="lab_ecd_PeoName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PEO Name</link:label>
    <link:label id="lab_ecd_PeoName_label_en-US" xlink:label="lab_ecd_PeoName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">PEO Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoName" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PeoName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PeoName" xlink:to="lab_ecd_PeoName" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_VisaClassB2Member_019b4e92-9d23-7f8f-852e-9ae21394b45f_terseLabel_en-US" xlink:label="lab_ibcp_VisaClassB2Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Visa Class B-2</link:label>
    <link:label id="lab_ibcp_VisaClassB2Member_label_en-US" xlink:label="lab_ibcp_VisaClassB2Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Visa Class B-2 [Member]</link:label>
    <link:label id="lab_ibcp_VisaClassB2Member_documentation_en-US" xlink:label="lab_ibcp_VisaClassB2Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Visa Class B-2</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_VisaClassB2Member" xlink:href="ibcp-20251231.xsd#ibcp_VisaClassB2Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_VisaClassB2Member" xlink:to="lab_ibcp_VisaClassB2Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember_terseLabel_en-US" xlink:label="lab_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Prior Year End Fair Value of Equity Awards Granted in Any Prior Year that Fail to Meet Applicable Vesting Conditions During Covered Year</link:label>
    <link:label id="lab_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember_label_en-US" xlink:label="lab_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Prior Year End Fair Value of Equity Awards Granted in Any Prior Year that Fail to Meet Applicable Vesting Conditions During Covered Year [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:to="lab_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_f480bd07-09c4-4fdb-baeb-4fc6bbb588a6_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</link:label>
    <link:label id="lab_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_label_en-US" xlink:label="lab_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:to="lab_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_ff6a7d0b-c8f1-4625-b0a9-abe7c7cb50c3_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan Ratings by Loan Class</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable Credit Quality Indicators [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:to="lab_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_MortgageLoanServicingIncome_6e185b0c-cd6d-418a-b796-7a00240616f7_terseLabel_en-US" xlink:label="lab_ibcp_MortgageLoanServicingIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage loan servicing, net</link:label>
    <link:label id="lab_ibcp_MortgageLoanServicingIncome_label_en-US" xlink:label="lab_ibcp_MortgageLoanServicingIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Loan Servicing Income</link:label>
    <link:label id="lab_ibcp_MortgageLoanServicingIncome_documentation_en-US" xlink:label="lab_ibcp_MortgageLoanServicingIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Income from servicing real estate mortgages held by others net of any related impairment of capitalized service costs.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_MortgageLoanServicingIncome" xlink:href="ibcp-20251231.xsd#ibcp_MortgageLoanServicingIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_MortgageLoanServicingIncome" xlink:to="lab_ibcp_MortgageLoanServicingIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_OutstandingAggtErrCompAmt_terseLabel_en-US" xlink:label="lab_ecd_OutstandingAggtErrCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Outstanding Aggregate Erroneous Compensation Amount</link:label>
    <link:label id="lab_ecd_OutstandingAggtErrCompAmt_label_en-US" xlink:label="lab_ecd_OutstandingAggtErrCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Outstanding Aggregate Erroneous Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingAggtErrCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_OutstandingAggtErrCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_OutstandingAggtErrCompAmt" xlink:to="lab_ecd_OutstandingAggtErrCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_DefinedContributionPlanMaximumAnnualContributionsEmployerPercent_268c9c67-a60c-44e6-9c10-61c72c442972_terseLabel_en-US" xlink:label="lab_ibcp_DefinedContributionPlanMaximumAnnualContributionsEmployerPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum matching contribution, percent</link:label>
    <link:label id="lab_ibcp_DefinedContributionPlanMaximumAnnualContributionsEmployerPercent_label_en-US" xlink:label="lab_ibcp_DefinedContributionPlanMaximumAnnualContributionsEmployerPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Contribution Plan, Maximum Annual Contributions, Employer, Percent</link:label>
    <link:label id="lab_ibcp_DefinedContributionPlanMaximumAnnualContributionsEmployerPercent_documentation_en-US" xlink:label="lab_ibcp_DefinedContributionPlanMaximumAnnualContributionsEmployerPercent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Maximum percentage of employee gross pay the employer may contribute to a defined contribution plan.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DefinedContributionPlanMaximumAnnualContributionsEmployerPercent" xlink:href="ibcp-20251231.xsd#ibcp_DefinedContributionPlanMaximumAnnualContributionsEmployerPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_DefinedContributionPlanMaximumAnnualContributionsEmployerPercent" xlink:to="lab_ibcp_DefinedContributionPlanMaximumAnnualContributionsEmployerPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LandAndLandImprovementsMember_60e1cb67-aef1-4ecd-93ac-020c10a55b5b_terseLabel_en-US" xlink:label="lab_us-gaap_LandAndLandImprovementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Land and land improvements</link:label>
    <link:label id="lab_us-gaap_LandAndLandImprovementsMember_label_en-US" xlink:label="lab_us-gaap_LandAndLandImprovementsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Land and Land Improvements [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LandAndLandImprovementsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LandAndLandImprovementsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LandAndLandImprovementsMember" xlink:to="lab_us-gaap_LandAndLandImprovementsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale_fc923048-d034-4ee8-b9ef-d63b86de0f67_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Disbursements for loans held for sale</link:label>
    <link:label id="lab_us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale_label_en-US" xlink:label="lab_us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payment for Origination, Loan, Mortgage, Held-for-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale" xlink:to="lab_us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_a4164dfa-d4a9-4e91-9d2a-21466dfc339d_verboseLabel_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Minimum for Adequately Capitalized Institutions</link:label>
    <link:label id="lab_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_label_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Leverage Capital, Capital Adequacy, Minimum</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:to="lab_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestBearingDepositLiabilities_540ad4e1-05d2-455e-88cc-3544ede55ff0_terseLabel_en-US" xlink:label="lab_us-gaap_NoninterestBearingDepositLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-interest bearing</link:label>
    <link:label id="lab_us-gaap_NoninterestBearingDepositLiabilities_label_en-US" xlink:label="lab_us-gaap_NoninterestBearingDepositLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest-Bearing Deposit Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestBearingDepositLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestBearingDepositLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestBearingDepositLiabilities" xlink:to="lab_us-gaap_NoninterestBearingDepositLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_49b72101-9de6-40c4-b71a-c09e898504ee_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Segment Reporting Information, by Segment [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Segment Reporting Information, by Segment [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:to="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancialInstrumentsDisclosureTextBlock_b840dee0-a7c3-4291-bcab-a7f7626ca8c2_verboseLabel_en-US" xlink:label="lab_us-gaap_FinancialInstrumentsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">FAIR VALUES OF FINANCIAL INSTRUMENTS</link:label>
    <link:label id="lab_us-gaap_FinancialInstrumentsDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_FinancialInstrumentsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Instruments Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentsDisclosureTextBlock"/>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock"/>
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    <link:label id="lab_ecd_AwardExrcPrice_terseLabel_en-US" xlink:label="lab_ecd_AwardExrcPrice" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exercise Price</link:label>
    <link:label id="lab_ecd_AwardExrcPrice_label_en-US" xlink:label="lab_ecd_AwardExrcPrice" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Exercise Price</link:label>
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    <link:label id="lab_dei_EntityFilerCategory_575ad13e-892f-4087-aa8d-3a9658acfd00_terseLabel_en-US" xlink:label="lab_dei_EntityFilerCategory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Filer Category</link:label>
    <link:label id="lab_dei_EntityFilerCategory_label_en-US" xlink:label="lab_dei_EntityFilerCategory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Filer Category</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFilerCategory" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityFilerCategory"/>
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    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_8c237c34-4c0a-4fbf-800a-4c501620adbd_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum for adequately capitalized institutions, ratio</link:label>
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    <link:label id="lab_ibcp_DeferredTaxLiabilitiesPurchasePremiumsNet_aecfb9f3-0068-49da-bb76-0147a225a0dc_terseLabel_en-US" xlink:label="lab_ibcp_DeferredTaxLiabilitiesPurchasePremiumsNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Purchase premiums, net</link:label>
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    <link:label id="lab_us-gaap_CommonStockNoParValue_4c2fe1fa-f060-4662-a6bf-7f84f2c22af9_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockNoParValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common stock, par value (in dollars per share)</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventTypeAxis" xlink:to="lab_us-gaap_SubsequentEventTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_MandatoryCommitmentsToSellMortgageLoansMember_093cef0c-fe65-4e18-8d87-b9599db65ee0_terseLabel_en-US" xlink:label="lab_ibcp_MandatoryCommitmentsToSellMortgageLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mandatory commitments to sell mortgage loans</link:label>
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    <link:label id="lab_ibcp_DebtInstrumentTermOfVariableRatePercentage_df2b8774-4d03-433d-b151-9027ed77c6bc_terseLabel_en-US" xlink:label="lab_ibcp_DebtInstrumentTermOfVariableRatePercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Term of variable rate (in months)</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DebtInstrumentTermOfVariableRatePercentage" xlink:href="ibcp-20251231.xsd#ibcp_DebtInstrumentTermOfVariableRatePercentage"/>
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    <link:label id="lab_ibcp_NumberOfConsecutiveMortgageLoanPaymentsMissed_0cbc058f-1ed7-4f7d-b0c9-6315de6238f4_terseLabel_en-US" xlink:label="lab_ibcp_NumberOfConsecutiveMortgageLoanPaymentsMissed" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of consecutive payments for mortgage loans missed</link:label>
    <link:label id="lab_ibcp_NumberOfConsecutiveMortgageLoanPaymentsMissed_label_en-US" xlink:label="lab_ibcp_NumberOfConsecutiveMortgageLoanPaymentsMissed" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Consecutive Mortgage Loan Payments Missed</link:label>
    <link:label id="lab_ibcp_NumberOfConsecutiveMortgageLoanPaymentsMissed_documentation_en-US" xlink:label="lab_ibcp_NumberOfConsecutiveMortgageLoanPaymentsMissed" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of consecutive payments for mortgage loans and the borrower's capacity to repay the loan and collateral values appear insufficient for each loan class.</link:label>
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    <link:label id="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTable_b34011b2-14cd-45f4-85ad-d726b9ab5022_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Option, Disclosures [Table]</link:label>
    <link:label id="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTable_label_en-US" xlink:label="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Option, Disclosures [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueOptionQuantitativeDisclosuresTable"/>
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    <link:label id="lab_us-gaap_InterestExpenseDepositsAbstract_7e0f9fef-725a-410a-965c-3d0d509faa6a_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseDepositsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of interest expense on deposits [Abstract]</link:label>
    <link:label id="lab_us-gaap_InterestExpenseDepositsAbstract_label_en-US" xlink:label="lab_us-gaap_InterestExpenseDepositsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Deposits [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseDepositsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseDepositsAbstract"/>
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    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalGeneralDisclosuresAbstract_4633595c-d2be-4544-8de9-77a25c1f5f89_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalGeneralDisclosuresAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Additional General Disclosures [Abstract]</link:label>
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    <link:label id="lab_us-gaap_BalanceSheetLocationAxis_4aa47b51-2dee-46d3-a4c7-8c8b53106dad_terseLabel_en-US" xlink:label="lab_us-gaap_BalanceSheetLocationAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Balance Sheet Location [Axis]</link:label>
    <link:label id="lab_us-gaap_BalanceSheetLocationAxis_label_en-US" xlink:label="lab_us-gaap_BalanceSheetLocationAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Financial Position Location, Balance [Axis]</link:label>
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    <link:label id="lab_us-gaap_SubordinatedBorrowingLineItems_f37cf9b4-16eb-494d-b891-1a8fecda3994_terseLabel_en-US" xlink:label="lab_us-gaap_SubordinatedBorrowingLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated Borrowing [Line Items]</link:label>
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    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_a185c0d8-4cc3-495c-8c18-108d8b0507f9_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2028</link:label>
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    <link:label id="lab_us-gaap_RealEstateAcquiredThroughForeclosure_7d6ac546-4ae9-4bdf-a994-88e962fa81f7_periodStartLabel_en-US" xlink:label="lab_us-gaap_RealEstateAcquiredThroughForeclosure" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Balance at beginning of year, net of valuation allowance</link:label>
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    <link:label id="lab_us-gaap_NotesReceivableGross_label_en-US" xlink:label="lab_us-gaap_NotesReceivableGross" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, before Allowance for Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableGross" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NotesReceivableGross"/>
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    <link:label id="lab_ibcp_AuditorInformationAbstract_documentation_en-US" xlink:label="lab_ibcp_AuditorInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Auditor Information</link:label>
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    <link:label id="lab_us-gaap_DeferredTaxAssetsNetAbstract_ffaa3914-1dc2-4ce2-8f08-51b9ffe33d67_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsNetAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred tax assets</link:label>
    <link:label id="lab_us-gaap_DeferredTaxAssetsNetAbstract_label_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsNetAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Net [Abstract]</link:label>
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    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsGross_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsGross" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets, Gross</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsGross" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsGross" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_PaymentsForInInterestBearingDepositsInBanksTime_6007191b-67b1-49e5-aec2-7d59af47ed17_negatedLabel_en-US" xlink:label="lab_ibcp_PaymentsForInInterestBearingDepositsInBanksTime" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Purchases of interest bearing deposits - time</link:label>
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    <link:label id="lab_ibcp_PaymentsForInInterestBearingDepositsInBanksTime_documentation_en-US" xlink:label="lab_ibcp_PaymentsForInInterestBearingDepositsInBanksTime" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The net cash outflow for the purchase of Interest-bearing Deposits-Time by banks in other financial institutions with maturities greater than three months including, for example, certificates of deposits.</link:label>
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    <link:label id="lab_us-gaap_ServicingAssetAtAmortizedValueAdditions_525eb36b-f545-4a13-bb44-0462209a18c5_terseLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetAtAmortizedValueAdditions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Originated servicing rights capitalized</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingAssetAtAmortizedValueAdditions" xlink:to="lab_us-gaap_ServicingAssetAtAmortizedValueAdditions" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressAddressLine1_1fa3dfe7-24cb-4a10-8d0e-bf6aa7390115_terseLabel_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, Address Line One</link:label>
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    <link:label id="lab_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy_8233bb4a-5550-4da4-aea5-e31e486a640a_terseLabel_en-US" xlink:label="lab_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">LOANS HELD FOR SALE</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy"/>
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    <link:label id="lab_us-gaap_RepaymentsOfSubordinatedDebt_0b706725-c329-411d-8364-8082d067aa8a_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_RepaymentsOfSubordinatedDebt" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Repayment of subordinated debt</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfSubordinatedDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RepaymentsOfSubordinatedDebt"/>
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    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember_f9d18171-3120-4cae-9d09-f19a39bddfac_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive Loss</link:label>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember_label_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">AOCI Attributable to Parent [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:to="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities_73033ecf-fdeb-44b5-bd83-e4b54a32751e_terseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (decrease) in accrued expenses and other liabilities</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities"/>
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    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseMealsAndEntertainment_330c95bc-1e74-4c0c-be27-522582cac5c6_terseLabel_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseMealsAndEntertainment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-deductible meals, entertainment and memberships</link:label>
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseMealsAndEntertainment_label_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseMealsAndEntertainment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Nondeductible Expense, Meals and Entertainment, Percent</link:label>
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    <link:label id="lab_us-gaap_InvestmentTypeCategorizationMember_5f42d5d5-b644-49f7-97ef-a5b573fce6e7_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentTypeCategorizationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investments</link:label>
    <link:label id="lab_us-gaap_InvestmentTypeCategorizationMember_label_en-US" xlink:label="lab_us-gaap_InvestmentTypeCategorizationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
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    <link:label id="lab_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation_de0f0e5a-c775-4bf8-892d-a2e09beea4f7_terseLabel_en-US" xlink:label="lab_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based compensation withholding obligation (in shares)</link:label>
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    <link:label id="lab_us-gaap_InternalCreditAssessmentAxis_9cf0f913-6ff4-4e9f-9ba2-5763025a3a6e_terseLabel_en-US" xlink:label="lab_us-gaap_InternalCreditAssessmentAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Internal Credit Assessment [Axis]</link:label>
    <link:label id="lab_us-gaap_InternalCreditAssessmentAxis_label_en-US" xlink:label="lab_us-gaap_InternalCreditAssessmentAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Internal Credit Assessment [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InternalCreditAssessmentAxis"/>
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    <link:label id="lab_us-gaap_InternalCreditAssessmentDomain_label_en-US" xlink:label="lab_us-gaap_InternalCreditAssessmentDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Internal Credit Assessment [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InternalCreditAssessmentDomain"/>
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    <link:label id="lab_us-gaap_OtherLiabilitiesMember_6096392f-b539-4698-90a9-9a151d208a01_terseLabel_en-US" xlink:label="lab_us-gaap_OtherLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other liabilities</link:label>
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    <link:label id="lab_ibcp_ExternalCreditRatingAgencyNonRatedMemberMember_afcc212a-7f42-48ff-9bf6-5a74c34cd8a2_terseLabel_en-US" xlink:label="lab_ibcp_ExternalCreditRatingAgencyNonRatedMemberMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-rated</link:label>
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    <link:label id="lab_us-gaap_DerivativeInstrumentDetailAbstract_0e5778eb-1fec-4e45-9b82-355844b72d06_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentDetailAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Instrument Detail [Abstract]</link:label>
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    <link:label id="lab_ibcp_HealthCareAndSocialAssistanceMember_ad6bfc15-269a-4d01-8b73-2c498ec436b4_terseLabel_en-US" xlink:label="lab_ibcp_HealthCareAndSocialAssistanceMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Health Care and Social Assistance</link:label>
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    <link:label id="lab_ibcp_HealthCareAndSocialAssistanceMember_documentation_en-US" xlink:label="lab_ibcp_HealthCareAndSocialAssistanceMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Refers to concentration of credit risk to health care and social assistance.</link:label>
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    <link:label id="lab_ibcp_PropertyPlantAndEquipmentUsefulLifeAbstract_95bec66a-a374-45e2-b2d1-1cee22028601_terseLabel_en-US" xlink:label="lab_ibcp_PropertyPlantAndEquipmentUsefulLifeAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment, Useful Life [Abstract]</link:label>
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    <link:label id="lab_us-gaap_ScheduleOfDebtInstrumentsTextBlock_2139ffde-5907-4ecf-8f0b-75c88d70acb8_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfDebtInstrumentsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of Other Borrowings</link:label>
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    <link:label id="lab_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_9d604ec7-6a11-425e-b7a5-d2b131191cad_terseLabel_en-US" xlink:label="lab_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Private label mortgage-backed</link:label>
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    <link:label id="lab_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_207afa70-7ca0-48ae-b374-81807c83900c_verboseLabel_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Minimum for adequately capitalized institutions, ratio</link:label>
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    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_144bc5ba-af8c-493c-9570-f250d62959b1_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Granted (in shares)</link:label>
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    <link:label id="lab_srt_TitleOfIndividualWithRelationshipToEntityDomain_daeaeed4-0d09-4997-ae6a-e11c344a664f_terseLabel_en-US" xlink:label="lab_srt_TitleOfIndividualWithRelationshipToEntityDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Title of Individual</link:label>
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    <link:label id="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized_40a67cca-825c-48db-bdb9-2842b25822c3_terseLabel_en-US" xlink:label="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based payment arrangement, nonvested award, cost not yet recognized, amount</link:label>
    <link:label id="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized_label_en-US" xlink:label="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount</link:label>
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    <link:label id="lab_us-gaap_RelatedPartyTransactionLineItems_53a7a684-a3f4-486c-8402-6611d46eb63b_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Related Party Transaction [Line Items]</link:label>
    <link:label id="lab_us-gaap_RelatedPartyTransactionLineItems_label_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transaction [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionLineItems"/>
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    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_0fc43ac3-22d5-4323-a16b-1f782839994c_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt securities, available-for-sale, fair value, less than twelve months</link:label>
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    <link:label id="lab_ibcp_PercentageOfLoanPortfolioSecuredByRealEstate_f8287a10-d3d2-49bc-97f7-461392fb487a_terseLabel_en-US" xlink:label="lab_ibcp_PercentageOfLoanPortfolioSecuredByRealEstate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of loan portfolio secured by real estate</link:label>
    <link:label id="lab_ibcp_PercentageOfLoanPortfolioSecuredByRealEstate_label_en-US" xlink:label="lab_ibcp_PercentageOfLoanPortfolioSecuredByRealEstate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Loan Portfolio Secured By Real Estate</link:label>
    <link:label id="lab_ibcp_PercentageOfLoanPortfolioSecuredByRealEstate_documentation_en-US" xlink:label="lab_ibcp_PercentageOfLoanPortfolioSecuredByRealEstate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Refers to percentage of loan portfolio which was secured by real estate as on balance sheet date.</link:label>
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    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_c172f4e1-451c-40e1-a977-08532f65db4f_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actual, ratio</link:label>
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    <link:label id="lab_us-gaap_BankOwnedLifeInsuranceIncome_a91d8cdf-71ba-4571-87b6-0ee78d2353c6_terseLabel_en-US" xlink:label="lab_us-gaap_BankOwnedLifeInsuranceIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Bank owned life insurance</link:label>
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    <link:label id="lab_us-gaap_DepositLiabilitiesDisclosuresTextBlock_1bd7b303-88a8-4b01-ab1d-fd4cd0425b21_verboseLabel_en-US" xlink:label="lab_us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">DEPOSITS</link:label>
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    <link:label id="lab_ibcp_NonPerformingLoanInterestIncome_6f700330-d168-4437-a044-48a6f5bac9ba_terseLabel_en-US" xlink:label="lab_ibcp_NonPerformingLoanInterestIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued Interest</link:label>
    <link:label id="lab_ibcp_NonPerformingLoanInterestIncome_label_en-US" xlink:label="lab_ibcp_NonPerformingLoanInterestIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non Performing Loan Interest Income</link:label>
    <link:label id="lab_ibcp_NonPerformingLoanInterestIncome_documentation_en-US" xlink:label="lab_ibcp_NonPerformingLoanInterestIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of interest that would have been accrued if non-performing loans continued to accrue interest according to their original terms.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NonPerformingLoanInterestIncome" xlink:href="ibcp-20251231.xsd#ibcp_NonPerformingLoanInterestIncome"/>
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    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock_af370d77-8268-4552-8064-142cb8762e79_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Quantitative Information About Level 3 Fair Value Measurements Measured on a Recurring Basis and Non-recurring Basis</link:label>
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    <link:label id="lab_ecd_ChangedPeerGroupFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_ChangedPeerGroupFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changed Peer Group, Footnote</link:label>
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    <link:label id="lab_us-gaap_InterestReceivableCurrent_cdfc59dc-c167-4044-a491-397c3e66385f_terseLabel_en-US" xlink:label="lab_us-gaap_InterestReceivableCurrent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued interest receivable</link:label>
    <link:label id="lab_us-gaap_InterestReceivableCurrent_label_en-US" xlink:label="lab_us-gaap_InterestReceivableCurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Receivable, Current</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestReceivableCurrent" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestReceivableCurrent"/>
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    <link:label id="lab_us-gaap_FinancialInstrumentPerformanceStatusAxis_29a6a8eb-1fcb-4cea-8b7b-2427a054d406_terseLabel_en-US" xlink:label="lab_us-gaap_FinancialInstrumentPerformanceStatusAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Instrument Performance Status [Axis]</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancialInstrumentPerformanceStatusAxis" xlink:to="lab_us-gaap_FinancialInstrumentPerformanceStatusAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_RepurchaseAgreementCounterpartyNameDomain_f54b48be-9fb4-4afc-893b-3fcd24f2767e_terseLabel_en-US" xlink:label="lab_srt_RepurchaseAgreementCounterpartyNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage loans serviced for:</link:label>
    <link:label id="lab_srt_RepurchaseAgreementCounterpartyNameDomain_label_en-US" xlink:label="lab_srt_RepurchaseAgreementCounterpartyNameDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Counterparty Name [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
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    <link:label id="lab_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock_090556f4-feb7-4a8f-8e6d-0b78635fc797_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Nonaccrual</link:label>
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    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_cf18308c-6cc1-4d75-a7f5-b3a7818489c4_terseLabel_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2027</link:label>
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    <link:label id="lab_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_056179ad-7172-4f4e-8c40-8d9c7677ee8e_terseLabel_en-US" xlink:label="lab_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Values Derivatives, Balance Sheet Location, by Derivative Contract Type [Table]</link:label>
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    <link:label id="lab_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_405ae08b-242f-4f0e-bea6-4c3fa99e139e_verboseLabel_en-US" xlink:label="lab_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Loans [Abstract]</link:label>
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    <link:label id="lab_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_label_en-US" xlink:label="lab_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Financial Information Disclosure [Abstract]</link:label>
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    <link:label id="lab_ibcp_ReservedForFutureIssuanceAbstract_eb2ab219-4e39-4e0c-928d-b841311522a2_terseLabel_en-US" xlink:label="lab_ibcp_ReservedForFutureIssuanceAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reserved for Future Issuance [Abstract]</link:label>
    <link:label id="lab_ibcp_ReservedForFutureIssuanceAbstract_label_en-US" xlink:label="lab_ibcp_ReservedForFutureIssuanceAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reserved for Future Issuance [Abstract]</link:label>
    <link:label id="lab_ibcp_ReservedForFutureIssuanceAbstract_documentation_en-US" xlink:label="lab_ibcp_ReservedForFutureIssuanceAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Reserved for Future Issuance [Abstract]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2"/>
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    <link:label id="lab_us-gaap_InvestmentTypeAxis_1523d669-d86d-46f6-a5a7-bde3c8334552_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment Type [Axis]</link:label>
    <link:label id="lab_us-gaap_InvestmentTypeAxis_label_en-US" xlink:label="lab_us-gaap_InvestmentTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment Type [Axis]</link:label>
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    <link:label id="lab_us-gaap_Investments_019b4e92-9d23-7ea3-b061-f7b1d9205b9b_terseLabel_en-US" xlink:label="lab_us-gaap_Investments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investments</link:label>
    <link:label id="lab_us-gaap_Investments_label_en-US" xlink:label="lab_us-gaap_Investments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Investments" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Investments"/>
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    <link:label id="lab_ecd_TrdArrIndTitle_terseLabel_en-US" xlink:label="lab_ecd_TrdArrIndTitle" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Title</link:label>
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    <link:label id="lab_ecd_PeerGroupTotalShareholderRtnAmt_terseLabel_en-US" xlink:label="lab_ecd_PeerGroupTotalShareholderRtnAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Peer Group Total Shareholder Return Amount</link:label>
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    <link:label id="lab_ibcp_StateAndPoliticalSubdivisionShareholdersEquityThreshold_6c66d516-2ae0-4a3a-827b-7d7e1a1c0713_terseLabel_en-US" xlink:label="lab_ibcp_StateAndPoliticalSubdivisionShareholdersEquityThreshold" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Shareholder equity threshold not exceeded by revenue or taxing authority amount, percentage</link:label>
    <link:label id="lab_ibcp_StateAndPoliticalSubdivisionShareholdersEquityThreshold_label_en-US" xlink:label="lab_ibcp_StateAndPoliticalSubdivisionShareholdersEquityThreshold" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">State And Political Subdivision Shareholders' Equity Threshold</link:label>
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    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_162fa226-3727-4c07-a073-8236a6fb9068_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Outstanding, aggregate intrinsic value</link:label>
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    <link:label id="lab_us-gaap_AdvancesFromFederalHomeLoanBanks_b229e81c-c8b7-4bc1-9d58-00fa2a8ef929_terseLabel_en-US" xlink:label="lab_us-gaap_AdvancesFromFederalHomeLoanBanks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Advances from the FHLB</link:label>
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    <link:label id="lab_ibcp_DividendsFromSubsidiary_a9cda4a7-70f9-4b9a-8f84-8791ef37095a_terseLabel_en-US" xlink:label="lab_ibcp_DividendsFromSubsidiary" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividends from subsidiary</link:label>
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    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_c9b798ec-befd-4dd3-b325-c1ecd0da75c8_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss) [Line Items]</link:label>
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    <link:label id="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_337a9864-c247-4da5-85e3-962bfef54c56_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt securities, available-for-sale, unrealized gains</link:label>
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    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_720de905-f3d6-4cb9-a502-49d289326a9e_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Type</link:label>
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    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_d24acd50-424e-4b7f-83b9-c425d492a383_terseLabel_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2026</link:label>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_label_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessee, Operating Lease, Liability, to be Paid, Year One</link:label>
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    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_fbb57088-f7cf-4cec-b33a-bad5ecc431ac_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unrealized losses arising during period</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_561c54b0-5aa5-455d-b548-5594beeaa17d_verboseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Gain (loss) Recognized in Other Comprehensive Income (Effective Portion)</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification and Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax"/>
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    <link:label id="lab_ibcp_EffectiveIncomeTaxRateReconciliationPurchasedTaxCreditAmount_019ca1df-8546-780e-ad2d-f43b91e4a7a8_negatedLabel_en-US" xlink:label="lab_ibcp_EffectiveIncomeTaxRateReconciliationPurchasedTaxCreditAmount" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Purchased tax credits</link:label>
    <link:label id="lab_ibcp_EffectiveIncomeTaxRateReconciliationPurchasedTaxCreditAmount_019c7532-de69-7754-a6fb-7c1f58d5900d_terseLabel_en-US" xlink:label="lab_ibcp_EffectiveIncomeTaxRateReconciliationPurchasedTaxCreditAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Purchased tax credits</link:label>
    <link:label id="lab_ibcp_EffectiveIncomeTaxRateReconciliationPurchasedTaxCreditAmount_label_en-US" xlink:label="lab_ibcp_EffectiveIncomeTaxRateReconciliationPurchasedTaxCreditAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Purchased Tax Credit, Amount</link:label>
    <link:label id="lab_ibcp_EffectiveIncomeTaxRateReconciliationPurchasedTaxCreditAmount_documentation_en-US" xlink:label="lab_ibcp_EffectiveIncomeTaxRateReconciliationPurchasedTaxCreditAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Purchased Tax Credit, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_EffectiveIncomeTaxRateReconciliationPurchasedTaxCreditAmount" xlink:href="ibcp-20251231.xsd#ibcp_EffectiveIncomeTaxRateReconciliationPurchasedTaxCreditAmount"/>
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    <link:label id="lab_ecd_EqtyAwrdsAdjsMember_terseLabel_en-US" xlink:label="lab_ecd_EqtyAwrdsAdjsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Awards Adjustments</link:label>
    <link:label id="lab_ecd_EqtyAwrdsAdjsMember_label_en-US" xlink:label="lab_ecd_EqtyAwrdsAdjsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Awards Adjustments [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjsMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_EqtyAwrdsAdjsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_EqtyAwrdsAdjsMember" xlink:to="lab_ecd_EqtyAwrdsAdjsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubordinatedDebenturesSubjectToMandatoryRedemptionMember_b267fc45-1384-4bcf-90c3-e8e60e8163ab_terseLabel_en-US" xlink:label="lab_us-gaap_SubordinatedDebenturesSubjectToMandatoryRedemptionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated Debentures</link:label>
    <link:label id="lab_us-gaap_SubordinatedDebenturesSubjectToMandatoryRedemptionMember_label_en-US" xlink:label="lab_us-gaap_SubordinatedDebenturesSubjectToMandatoryRedemptionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Debentures Subject to Mandatory Redemption [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebenturesSubjectToMandatoryRedemptionMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SubordinatedDebenturesSubjectToMandatoryRedemptionMember"/>
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    <link:label id="lab_us-gaap_AdvertisingExpense_5569ba7b-b0cb-4f80-bfdd-b194ce06a157_terseLabel_en-US" xlink:label="lab_us-gaap_AdvertisingExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Advertising</link:label>
    <link:label id="lab_us-gaap_AdvertisingExpense_label_en-US" xlink:label="lab_us-gaap_AdvertisingExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Advertising Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdvertisingExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdvertisingExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdvertisingExpense" xlink:to="lab_us-gaap_AdvertisingExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_AggregateIntrinsicValueAbstract_c9ab4e88-11e4-41fe-9272-a791938e617a_terseLabel_en-US" xlink:label="lab_ibcp_AggregateIntrinsicValueAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate Intrinsic Value [Abstract]</link:label>
    <link:label id="lab_ibcp_AggregateIntrinsicValueAbstract_label_en-US" xlink:label="lab_ibcp_AggregateIntrinsicValueAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Aggregate Intrinsic Value [Abstract]</link:label>
    <link:label id="lab_ibcp_AggregateIntrinsicValueAbstract_documentation_en-US" xlink:label="lab_ibcp_AggregateIntrinsicValueAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Aggregate intrinsic value [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AggregateIntrinsicValueAbstract" xlink:href="ibcp-20251231.xsd#ibcp_AggregateIntrinsicValueAbstract"/>
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    <link:label id="lab_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock_3f5649cb-b606-4b80-8806-8c743142c505_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of FHLB Advances</link:label>
    <link:label id="lab_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advance, Branch of FHLBank [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock"/>
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    <link:label id="lab_ecd_PnsnBnftsAdjFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_PnsnBnftsAdjFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pension Benefits Adjustments, Footnote</link:label>
    <link:label id="lab_ecd_PnsnBnftsAdjFnTextBlock_label_en-US" xlink:label="lab_ecd_PnsnBnftsAdjFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pension Benefits Adjustments, Footnote [Text Block]</link:label>
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    <link:label id="lab_us-gaap_DisaggregationOfRevenueLineItems_ffb15bfe-1a9b-46b1-a065-93108c3f704b_terseLabel_en-US" xlink:label="lab_us-gaap_DisaggregationOfRevenueLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disaggregation of Revenue [Line Items]</link:label>
    <link:label id="lab_us-gaap_DisaggregationOfRevenueLineItems_label_en-US" xlink:label="lab_us-gaap_DisaggregationOfRevenueLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disaggregation of Revenue [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisaggregationOfRevenueLineItems"/>
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    <link:label id="lab_ecd_OutstandingRecoveryCompAmt_terseLabel_en-US" xlink:label="lab_ecd_OutstandingRecoveryCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation Amount</link:label>
    <link:label id="lab_ecd_OutstandingRecoveryCompAmt_label_en-US" xlink:label="lab_ecd_OutstandingRecoveryCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Outstanding Recovery Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingRecoveryCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_OutstandingRecoveryCompAmt"/>
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    <link:label id="lab_us-gaap_CapitalRequiredToBeWellCapitalized_8ae98043-fbba-4247-b93f-0914d347e728_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalRequiredToBeWellCapitalized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum for Well-Capitalized Institutions</link:label>
    <link:label id="lab_us-gaap_CapitalRequiredToBeWellCapitalized_label_en-US" xlink:label="lab_us-gaap_CapitalRequiredToBeWellCapitalized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Total Risk-Based Capital, Well Capitalized, Minimum</link:label>
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    <link:label id="lab_ecd_RecoveryOfErrCompDisclosureLineItems_label_en-US" xlink:label="lab_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Recovery of Erroneously Awarded Compensation Disclosure [Line Items]</link:label>
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    <link:label id="lab_us-gaap_EstimateOfFairValueFairValueDisclosureMember_aa4ffc3d-81ff-4c62-b76c-4fc081134160_terseLabel_en-US" xlink:label="lab_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value</link:label>
    <link:label id="lab_us-gaap_EstimateOfFairValueFairValueDisclosureMember_label_en-US" xlink:label="lab_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Estimate of Fair Value Measurement [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember"/>
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    <link:label id="lab_ibcp_LoansAndLeasesReceivableOutstandingLoanCommitmentsRelatedParties_94133764-3d14-4f53-a32a-55e951509611_terseLabel_en-US" xlink:label="lab_ibcp_LoansAndLeasesReceivableOutstandingLoanCommitmentsRelatedParties" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Outstanding loan commitments to directors and executive officers</link:label>
    <link:label id="lab_ibcp_LoansAndLeasesReceivableOutstandingLoanCommitmentsRelatedParties_label_en-US" xlink:label="lab_ibcp_LoansAndLeasesReceivableOutstandingLoanCommitmentsRelatedParties" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans And Leases Receivable, Outstanding Loan Commitments, Related Parties</link:label>
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    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_f89a2af7-3838-425f-aa40-dae28952a63e_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maturing after one year but within five years</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost"/>
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    <link:label id="lab_ibcp_InterestBearingDepositsTime_documentation_en-US" xlink:label="lab_ibcp_InterestBearingDepositsTime" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">For banks and other depository institutions: Interest-bearing deposits-time in other financial institutions with maturities of more than three months including, for example, certificates of deposits, which are presented separately from cash on the balance sheet.</link:label>
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    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_610f6afe-c590-4876-acd0-137f323ead4d_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Past Due [Line Items]</link:label>
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    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_f8d9e7a1-e362-4ed0-ae2b-d77fec56bd83_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maturing after five years but within ten years</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost"/>
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    <link:label id="lab_ibcp_OtherRealEstateAcquiredAdditions_8c503eeb-c493-4879-a51a-18215f9b78ca_terseLabel_en-US" xlink:label="lab_ibcp_OtherRealEstateAcquiredAdditions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans transferred to other real estate</link:label>
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    <link:label id="lab_ibcp_OtherRealEstateAcquiredAdditions_documentation_en-US" xlink:label="lab_ibcp_OtherRealEstateAcquiredAdditions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Additions of real estate assets taken in settlement of troubled loans through surrender or foreclosure.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_OtherRealEstateAcquiredAdditions" xlink:href="ibcp-20251231.xsd#ibcp_OtherRealEstateAcquiredAdditions"/>
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    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_b811d6b4-168a-4790-9560-7efd576db944_verboseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Accumulated other comprehensive loss</link:label>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_3c9bf698-e2d3-4226-a57b-75ce46349b27_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated other comprehensive loss for regulatory purposes</link:label>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_label_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss), Net of Tax</link:label>
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    <link:label id="lab_srt_CondensedFinancialStatementsCaptionsLineItems_5f275768-e855-4a82-8db7-9a52f49e2add_terseLabel_en-US" xlink:label="lab_srt_CondensedFinancialStatementsCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Financial Statements, Captions [Line Items]</link:label>
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    <link:label id="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_2d540399-190c-4d7d-adc1-75099279fb79_terseLabel_en-US" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Instruments [Domain]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
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    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_e978225f-6d34-4283-aadf-d705e0c7c445_totalLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Unrealized gains recognized in other comprehensive income on securities available for sale, net of tax</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment and Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax"/>
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    <link:label id="lab_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue_6c3f37b7-dc10-47e5-9f4e-1a2d6d258427_verboseLabel_en-US" xlink:label="lab_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Maturing after ten years</link:label>
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    <link:label id="lab_us-gaap_DeferredIncomeTaxLiabilities_98722ef7-0328-4bb7-8a73-9abdd31f1a38_totalLabel_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxLiabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Gross deferred tax liabilities</link:label>
    <link:label id="lab_us-gaap_DeferredIncomeTaxLiabilities_label_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Gross</link:label>
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    <link:label id="lab_us-gaap_PerformanceSharesMember_label_en-US" xlink:label="lab_us-gaap_PerformanceSharesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Performance Shares [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformanceSharesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PerformanceSharesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PerformanceSharesMember" xlink:to="lab_us-gaap_PerformanceSharesMember" xlink:type="arc" order="1"/>
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    <link:label id="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_2eb56ea7-050d-43e7-a2fa-8083057cc849_totalLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net Interest Income After Provision for Credit Losses</link:label>
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    <link:label id="lab_us-gaap_FederalReserveBankAdvancesMember_e76144bf-616c-4f56-bcb8-8456ca6b7d31_terseLabel_en-US" xlink:label="lab_us-gaap_FederalReserveBankAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal reserve bank advances</link:label>
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    <link:label id="lab_us-gaap_CapitalRequiredForCapitalAdequacy_a337cb56-63d3-4547-8f21-79fffaea32ad_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalRequiredForCapitalAdequacy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum for Adequately Capitalized Institutions</link:label>
    <link:label id="lab_us-gaap_CapitalRequiredForCapitalAdequacy_label_en-US" xlink:label="lab_us-gaap_CapitalRequiredForCapitalAdequacy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Total Risk-Based Capital, Capital Adequacy, Minimum</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredForCapitalAdequacy" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CapitalRequiredForCapitalAdequacy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CapitalRequiredForCapitalAdequacy" xlink:to="lab_us-gaap_CapitalRequiredForCapitalAdequacy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtDisclosureTextBlock_8a8e81d4-42b0-4f96-9227-db20d66b07b1_verboseLabel_en-US" xlink:label="lab_us-gaap_DebtDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">OTHER BORROWINGS</link:label>
    <link:label id="lab_us-gaap_DebtDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_DebtDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtDisclosureTextBlock" xlink:to="lab_us-gaap_DebtDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrSecuritiesAggAvailAmt_terseLabel_en-US" xlink:label="lab_ecd_TrdArrSecuritiesAggAvailAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate Available</link:label>
    <link:label id="lab_ecd_TrdArrSecuritiesAggAvailAmt_label_en-US" xlink:label="lab_ecd_TrdArrSecuritiesAggAvailAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement, Securities Aggregate Available Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrSecuritiesAggAvailAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TrdArrSecuritiesAggAvailAmt"/>
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    <link:label id="lab_ibcp_ServicingAssetAtFairValueChangesInFairValueDueToPrice_7aa018e7-e0e6-48a3-8e32-a2f2555674cf_terseLabel_en-US" xlink:label="lab_ibcp_ServicingAssetAtFairValueChangesInFairValueDueToPrice" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in fair value due to price</link:label>
    <link:label id="lab_ibcp_ServicingAssetAtFairValueChangesInFairValueDueToPrice_label_en-US" xlink:label="lab_ibcp_ServicingAssetAtFairValueChangesInFairValueDueToPrice" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Asset at Fair Value, Changes In Fair Value Due to Price</link:label>
    <link:label id="lab_ibcp_ServicingAssetAtFairValueChangesInFairValueDueToPrice_documentation_en-US" xlink:label="lab_ibcp_ServicingAssetAtFairValueChangesInFairValueDueToPrice" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of increase (decrease) in fair value of servicing assets due to changes in price.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ServicingAssetAtFairValueChangesInFairValueDueToPrice" xlink:href="ibcp-20251231.xsd#ibcp_ServicingAssetAtFairValueChangesInFairValueDueToPrice"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_ServicingAssetAtFairValueChangesInFairValueDueToPrice" xlink:to="lab_ibcp_ServicingAssetAtFairValueChangesInFairValueDueToPrice" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockAppreciationRightsSARSMember_terseLabel_en-US" xlink:label="lab_us-gaap_StockAppreciationRightsSARSMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock Appreciation Rights (SARs)</link:label>
    <link:label id="lab_us-gaap_StockAppreciationRightsSARSMember_label_en-US" xlink:label="lab_us-gaap_StockAppreciationRightsSARSMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Appreciation Rights (SARs) [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockAppreciationRightsSARSMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockAppreciationRightsSARSMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockAppreciationRightsSARSMember" xlink:to="lab_us-gaap_StockAppreciationRightsSARSMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CollateralDomain_b377a472-4a4c-423e-964b-6d4e9e09b391_terseLabel_en-US" xlink:label="lab_us-gaap_CollateralDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collateral Held</link:label>
    <link:label id="lab_us-gaap_CollateralDomain_label_en-US" xlink:label="lab_us-gaap_CollateralDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collateral Held [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CollateralDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CollateralDomain" xlink:to="lab_us-gaap_CollateralDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockholdersEquityNoteAbstract_65b7d525-1236-470c-85ea-db6b8462d2d5_terseLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquityNoteAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stockholders' Equity Note [Abstract]</link:label>
    <link:label id="lab_us-gaap_StockholdersEquityNoteAbstract_label_en-US" xlink:label="lab_us-gaap_StockholdersEquityNoteAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stockholders' Equity Note [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityNoteAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityNoteAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockholdersEquityNoteAbstract" xlink:to="lab_us-gaap_StockholdersEquityNoteAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_EstimatedRecordedBookBalanceAndFairValueAbstract_226c4e0a-071b-414a-b710-b4f9116fae89_verboseLabel_en-US" xlink:label="lab_ibcp_EstimatedRecordedBookBalanceAndFairValueAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Estimated recorded book balances and fair values [Abstract]</link:label>
    <link:label id="lab_ibcp_EstimatedRecordedBookBalanceAndFairValueAbstract_label_en-US" xlink:label="lab_ibcp_EstimatedRecordedBookBalanceAndFairValueAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Estimated Recorded Book Balance And Fair Value [Abstract]</link:label>
    <link:label id="lab_ibcp_EstimatedRecordedBookBalanceAndFairValueAbstract_documentation_en-US" xlink:label="lab_ibcp_EstimatedRecordedBookBalanceAndFairValueAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Estimated recorded book balance and fair value [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_EstimatedRecordedBookBalanceAndFairValueAbstract" xlink:href="ibcp-20251231.xsd#ibcp_EstimatedRecordedBookBalanceAndFairValueAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_EstimatedRecordedBookBalanceAndFairValueAbstract" xlink:to="lab_ibcp_EstimatedRecordedBookBalanceAndFairValueAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_StockUnitsForDeferredCompensationPlanForNonEmployeeDirectors_36267806-9edc-42f1-81fa-738f56758d91_terseLabel_en-US" xlink:label="lab_ibcp_StockUnitsForDeferredCompensationPlanForNonEmployeeDirectors" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock units for deferred compensation plan for non-employee directors (in shares)</link:label>
    <link:label id="lab_ibcp_StockUnitsForDeferredCompensationPlanForNonEmployeeDirectors_label_en-US" xlink:label="lab_ibcp_StockUnitsForDeferredCompensationPlanForNonEmployeeDirectors" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Units For Deferred Compensation Plan For Non Employee Directors</link:label>
    <link:label id="lab_ibcp_StockUnitsForDeferredCompensationPlanForNonEmployeeDirectors_documentation_en-US" xlink:label="lab_ibcp_StockUnitsForDeferredCompensationPlanForNonEmployeeDirectors" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of stock units for deferred compensation plan for non employee directors determined by relating the portion of time within a reporting period that restricted shares have been outstanding to the total time in that period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_StockUnitsForDeferredCompensationPlanForNonEmployeeDirectors" xlink:href="ibcp-20251231.xsd#ibcp_StockUnitsForDeferredCompensationPlanForNonEmployeeDirectors"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_StockUnitsForDeferredCompensationPlanForNonEmployeeDirectors" xlink:to="lab_ibcp_StockUnitsForDeferredCompensationPlanForNonEmployeeDirectors" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_b2472976-4bce-4b5d-b78b-fe4737596ccc_verboseLabel_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">COMMITMENTS AND CONTINGENT LIABILITIES</link:label>
    <link:label id="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:to="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_NoninterestIncomeOtherOperatingIncomeOther_c82f70c1-c75b-469c-b3fc-1bc259c39dde_terseLabel_en-US" xlink:label="lab_ibcp_NoninterestIncomeOtherOperatingIncomeOther" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_ibcp_NoninterestIncomeOtherOperatingIncomeOther_label_en-US" xlink:label="lab_ibcp_NoninterestIncomeOtherOperatingIncomeOther" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest Income, Other Operating Income, Other</link:label>
    <link:label id="lab_ibcp_NoninterestIncomeOtherOperatingIncomeOther_documentation_en-US" xlink:label="lab_ibcp_NoninterestIncomeOtherOperatingIncomeOther" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Income classified as other excluding interest income.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NoninterestIncomeOtherOperatingIncomeOther" xlink:href="ibcp-20251231.xsd#ibcp_NoninterestIncomeOtherOperatingIncomeOther"/>
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    <link:label id="lab_us-gaap_RealEstateOwnedValuationAllowanceAmountsApplied_917b93c7-6732-4d46-92a5-9b7e19f9d0ba_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_RealEstateOwnedValuationAllowanceAmountsApplied" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Direct write-downs upon sale</link:label>
    <link:label id="lab_us-gaap_RealEstateOwnedValuationAllowanceAmountsApplied_label_en-US" xlink:label="lab_us-gaap_RealEstateOwnedValuationAllowanceAmountsApplied" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate Owned, Valuation Allowance, Amounts Applied</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateOwnedValuationAllowanceAmountsApplied" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealEstateOwnedValuationAllowanceAmountsApplied"/>
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    <link:label id="lab_us-gaap_SegmentReportingPolicyPolicyTextBlock_fcc6e7a1-4d90-4c37-8531-06ff3361d1f3_terseLabel_en-US" xlink:label="lab_us-gaap_SegmentReportingPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">OPERATING SEGMENTS</link:label>
    <link:label id="lab_us-gaap_SegmentReportingPolicyPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_SegmentReportingPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment Reporting, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingPolicyPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentReportingPolicyPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentReportingPolicyPolicyTextBlock" xlink:to="lab_us-gaap_SegmentReportingPolicyPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_DebtInstrumentCallOptionPeriod_4b68ace0-5b88-4770-91e1-daec4b58d546_terseLabel_en-US" xlink:label="lab_ibcp_DebtInstrumentCallOptionPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Call option period</link:label>
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    <link:label id="lab_ibcp_DebtInstrumentCallOptionPeriod_documentation_en-US" xlink:label="lab_ibcp_DebtInstrumentCallOptionPeriod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Period of maturity which the issuer can call the outstanding debt instrument for repayment or conversion to equity, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Includes, but not limited to, weeks in a year or quarter.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DebtInstrumentCallOptionPeriod" xlink:href="ibcp-20251231.xsd#ibcp_DebtInstrumentCallOptionPeriod"/>
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    <link:label id="lab_ecd_NonGaapMeasureDescriptionTextBlock_terseLabel_en-US" xlink:label="lab_ecd_NonGaapMeasureDescriptionTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-GAAP Measure Description</link:label>
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    <link:label id="lab_us-gaap_ProceedsFromLifeInsurancePolicies_31ec5973-aa3a-48b1-b220-2ed915090e41_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromLifeInsurancePolicies" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from bank-owned life insurance death benefits</link:label>
    <link:label id="lab_us-gaap_ProceedsFromLifeInsurancePolicies_label_en-US" xlink:label="lab_us-gaap_ProceedsFromLifeInsurancePolicies" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Life Insurance Policy</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromLifeInsurancePolicies" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromLifeInsurancePolicies"/>
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    <link:label id="lab_us-gaap_RestrictedCashAndInvestmentsAbstract_dc17dd20-1180-4c81-a585-7416b4e6695d_terseLabel_en-US" xlink:label="lab_us-gaap_RestrictedCashAndInvestmentsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restricted Cash and Investments [Abstract]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAndInvestmentsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RestrictedCashAndInvestmentsAbstract"/>
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    <link:label id="lab_dei_EntitySmallBusiness_022cd657-2d5e-442d-9727-e390c39bc303_terseLabel_en-US" xlink:label="lab_dei_EntitySmallBusiness" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Small Business</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_dei_EntitySmallBusiness" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntitySmallBusiness"/>
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    <link:label id="lab_us-gaap_IncomeTaxDisclosureAbstract_a2da53f6-eed2-48a8-a8bd-64b9cbb124ff_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income Tax Disclosure [Abstract]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
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    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_76074371-7db1-4fc7-b028-40ef6bf87f3e_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maturing after one year but within five years</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ServiceChargesOnDepositsMember" xlink:href="ibcp-20251231.xsd#ibcp_ServiceChargesOnDepositsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_ServiceChargesOnDepositsMember" xlink:to="lab_ibcp_ServiceChargesOnDepositsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonClassAMember_019c5a4c-0bf5-7592-a22a-d1aabddf9cd9_terseLabel_en-US" xlink:label="lab_us-gaap_CommonClassAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common Class A</link:label>
    <link:label id="lab_us-gaap_CommonClassAMember_label_en-US" xlink:label="lab_us-gaap_CommonClassAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Class A [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonClassAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonClassAMember" xlink:to="lab_us-gaap_CommonClassAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscTableTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Awards Close in Time to MNPI Disclosures, Table</link:label>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscTableTextBlock_label_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Awards Close in Time to MNPI Disclosures [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardsCloseToMnpiDiscTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:to="lab_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeApproachValuationTechniqueMember_019c754c-3fa0-7ddc-9337-303b9c1bbbaf_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeApproachValuationTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income approach</link:label>
    <link:label id="lab_us-gaap_IncomeApproachValuationTechniqueMember_label_en-US" xlink:label="lab_us-gaap_IncomeApproachValuationTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Valuation, Income Approach [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeApproachValuationTechniqueMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeApproachValuationTechniqueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeApproachValuationTechniqueMember" xlink:to="lab_us-gaap_IncomeApproachValuationTechniqueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShortTermLeaseCost_10d2c8ec-5108-465a-98e3-c12e2aab96c9_terseLabel_en-US" xlink:label="lab_us-gaap_ShortTermLeaseCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Short-term lease cost</link:label>
    <link:label id="lab_us-gaap_ShortTermLeaseCost_label_en-US" xlink:label="lab_us-gaap_ShortTermLeaseCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Short-Term Lease, Cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermLeaseCost" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShortTermLeaseCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShortTermLeaseCost" xlink:to="lab_us-gaap_ShortTermLeaseCost" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1_ff82704b-0b06-4105-9030-8d5e1de1afbd_terseLabel_en-US" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exercisable, weighted-average remaining contractual term</link:label>
    <link:label id="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1_label_en-US" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercisable, Weighted Average Remaining Contractual Term</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1" xlink:to="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RisksAndUncertaintiesAbstract_a7b4dbe6-53af-449b-967d-efc006fbe548_terseLabel_en-US" xlink:label="lab_us-gaap_RisksAndUncertaintiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Risks and Uncertainties [Abstract]</link:label>
    <link:label id="lab_us-gaap_RisksAndUncertaintiesAbstract_label_en-US" xlink:label="lab_us-gaap_RisksAndUncertaintiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Risks and Uncertainties [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RisksAndUncertaintiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RisksAndUncertaintiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RisksAndUncertaintiesAbstract" xlink:to="lab_us-gaap_RisksAndUncertaintiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentType_11559330-33bd-497e-af12-05dad6e8b4b3_terseLabel_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Type</link:label>
    <link:label id="lab_dei_DocumentType_label_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Type</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentType"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentType" xlink:to="lab_dei_DocumentType" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SegmentReportingDisclosureOfOtherInformationAboutEntitysReportableSegmentsAbstract_43ff3d41-c487-45f0-8755-1ad1435b2251_terseLabel_en-US" xlink:label="lab_us-gaap_SegmentReportingDisclosureOfOtherInformationAboutEntitysReportableSegmentsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">OTHER SEGMENT DISCLOSURES</link:label>
    <link:label id="lab_us-gaap_SegmentReportingDisclosureOfOtherInformationAboutEntitysReportableSegmentsAbstract_label_en-US" xlink:label="lab_us-gaap_SegmentReportingDisclosureOfOtherInformationAboutEntitysReportableSegmentsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment Reporting, Disclosure of Other Information about Entity's Reportable Segments [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingDisclosureOfOtherInformationAboutEntitysReportableSegmentsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentReportingDisclosureOfOtherInformationAboutEntitysReportableSegmentsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentReportingDisclosureOfOtherInformationAboutEntitysReportableSegmentsAbstract" xlink:to="lab_us-gaap_SegmentReportingDisclosureOfOtherInformationAboutEntitysReportableSegmentsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueInputsLevel3Member_956159f8-1869-473b-bd76-23f513afb363_verboseLabel_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel3Member" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Significant Un- observable Inputs (Level 3)</link:label>
    <link:label id="lab_us-gaap_FairValueInputsLevel3Member_4249b271-8fbf-457d-a99d-11f424c85736_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel3Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Significant Un- observable Inputs (Level 3)</link:label>
    <link:label id="lab_us-gaap_FairValueInputsLevel3Member_label_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel3Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Inputs, Level 3 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueInputsLevel3Member" xlink:to="lab_us-gaap_FairValueInputsLevel3Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_OutstandingRecoveryIndName_terseLabel_en-US" xlink:label="lab_ecd_OutstandingRecoveryIndName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Name</link:label>
    <link:label id="lab_ecd_OutstandingRecoveryIndName_label_en-US" xlink:label="lab_ecd_OutstandingRecoveryIndName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Outstanding Recovery, Individual Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingRecoveryIndName" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_OutstandingRecoveryIndName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_OutstandingRecoveryIndName" xlink:to="lab_ecd_OutstandingRecoveryIndName" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ProductOrServiceAxis_b2fa5beb-b1e6-463a-901e-bf39c536512b_terseLabel_en-US" xlink:label="lab_srt_ProductOrServiceAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Product and Service [Axis]</link:label>
    <link:label id="lab_srt_ProductOrServiceAxis_label_en-US" xlink:label="lab_srt_ProductOrServiceAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Product and Service [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductOrServiceAxis" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ProductOrServiceAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ProductOrServiceAxis" xlink:to="lab_srt_ProductOrServiceAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff_597e2090-f555-49bb-9847-c8e1e9c53664_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross charge-offs, revolving</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_f89eca6a-32c8-4c7c-8782-d19fd240195b_terseLabel_en-US" xlink:label="lab_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Revenue from contracts with customers</link:label>
    <link:label id="lab_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_label_en-US" xlink:label="lab_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Revenue from Contract with Customer, Excluding Assessed Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax" xlink:to="lab_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_VariableLeaseCost_e325756c-942b-42c4-bf45-576529e6605b_terseLabel_en-US" xlink:label="lab_us-gaap_VariableLeaseCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable lease cost</link:label>
    <link:label id="lab_us-gaap_VariableLeaseCost_label_en-US" xlink:label="lab_us-gaap_VariableLeaseCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Lease, Cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableLeaseCost" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VariableLeaseCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VariableLeaseCost" xlink:to="lab_us-gaap_VariableLeaseCost" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber_561174ff-f680-4fc6-b246-65dcf208d01f_periodEndLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Vested and expected to vest, period end (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Vested and Expected to Vest, Outstanding, Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfLoansHeldForSale_68645c65-6299-450b-bd6e-4200fd56026f_verboseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfLoansHeldForSale" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from sales of loans held for sale</link:label>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfLoansHeldForSale_label_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfLoansHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Sale, Loan, Held-for-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfLoansHeldForSale" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromSaleOfLoansHeldForSale" xlink:to="lab_us-gaap_ProceedsFromSaleOfLoansHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetsAndLiabilitiesLesseeAbstract_2376a1ee-8554-4f27-858d-ceaa8ae99d23_terseLabel_en-US" xlink:label="lab_us-gaap_AssetsAndLiabilitiesLesseeAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets and Liabilities, Lessee [Abstract]</link:label>
    <link:label id="lab_us-gaap_AssetsAndLiabilitiesLesseeAbstract_label_en-US" xlink:label="lab_us-gaap_AssetsAndLiabilitiesLesseeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets and Liabilities, Lessee [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAndLiabilitiesLesseeAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsAndLiabilitiesLesseeAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetsAndLiabilitiesLesseeAbstract" xlink:to="lab_us-gaap_AssetsAndLiabilitiesLesseeAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SharesSubjectToMandatoryRedemptionFinancialInstrumentDomain_738b0400-4aba-4262-95ce-c4c27ad8ea7c_terseLabel_en-US" xlink:label="lab_us-gaap_SharesSubjectToMandatoryRedemptionFinancialInstrumentDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Instruments Subject to Mandatory Redemption, Financial Instrument</link:label>
    <link:label id="lab_us-gaap_SharesSubjectToMandatoryRedemptionFinancialInstrumentDomain_label_en-US" xlink:label="lab_us-gaap_SharesSubjectToMandatoryRedemptionFinancialInstrumentDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Instruments Subject to Mandatory Redemption, Financial Instrument [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesSubjectToMandatoryRedemptionFinancialInstrumentDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SharesSubjectToMandatoryRedemptionFinancialInstrumentDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharesSubjectToMandatoryRedemptionFinancialInstrumentDomain" xlink:to="lab_us-gaap_SharesSubjectToMandatoryRedemptionFinancialInstrumentDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_RangeAxis_fce58a55-1a9a-4614-b6a5-428eb50e54f4_terseLabel_en-US" xlink:label="lab_srt_RangeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statistical Measurement [Axis]</link:label>
    <link:label id="lab_srt_RangeAxis_label_en-US" xlink:label="lab_srt_RangeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statistical Measurement [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_RangeAxis" xlink:to="lab_srt_RangeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_NumberOfLoanProductionFacilities_1ebcccf8-1957-4540-91ee-b6832e30ea1a_terseLabel_en-US" xlink:label="lab_ibcp_NumberOfLoanProductionFacilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of loan production facilities</link:label>
    <link:label id="lab_ibcp_NumberOfLoanProductionFacilities_label_en-US" xlink:label="lab_ibcp_NumberOfLoanProductionFacilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Loan Production Facilities</link:label>
    <link:label id="lab_ibcp_NumberOfLoanProductionFacilities_documentation_en-US" xlink:label="lab_ibcp_NumberOfLoanProductionFacilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number Of Loan Production Facilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NumberOfLoanProductionFacilities" xlink:href="ibcp-20251231.xsd#ibcp_NumberOfLoanProductionFacilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_NumberOfLoanProductionFacilities" xlink:to="lab_ibcp_NumberOfLoanProductionFacilities" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_CustomerRetailMember_5e12293f-94ea-442f-a85d-c58b940ed1ed_terseLabel_en-US" xlink:label="lab_ibcp_CustomerRetailMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Retail</link:label>
    <link:label id="lab_ibcp_CustomerRetailMember_label_en-US" xlink:label="lab_ibcp_CustomerRetailMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Customer, Retail [Member]</link:label>
    <link:label id="lab_ibcp_CustomerRetailMember_documentation_en-US" xlink:label="lab_ibcp_CustomerRetailMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Single retail external customer or group of external retail customers.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CustomerRetailMember" xlink:href="ibcp-20251231.xsd#ibcp_CustomerRetailMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_CustomerRetailMember" xlink:to="lab_ibcp_CustomerRetailMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CreditScoreFicoDomain_26e12038-008c-40ff-9f52-2a9d4ac198ee_terseLabel_en-US" xlink:label="lab_us-gaap_CreditScoreFicoDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit Score, FICO [Domain]</link:label>
    <link:label id="lab_us-gaap_CreditScoreFicoDomain_label_en-US" xlink:label="lab_us-gaap_CreditScoreFicoDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Score, FICO [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditScoreFicoDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditScoreFicoDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CreditScoreFicoDomain" xlink:to="lab_us-gaap_CreditScoreFicoDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_5a573d75-823d-4a3e-a572-14dc4ed9c559_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross charge-offs, fiscal year before current</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_CollateralDependentLoanMember_69b51c0e-c322-4148-9844-f93b24d261f0_terseLabel_en-US" xlink:label="lab_ibcp_CollateralDependentLoanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collateral Dependent Loan</link:label>
    <link:label id="lab_ibcp_CollateralDependentLoanMember_label_en-US" xlink:label="lab_ibcp_CollateralDependentLoanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collateral Dependent Loan [Member]</link:label>
    <link:label id="lab_ibcp_CollateralDependentLoanMember_documentation_en-US" xlink:label="lab_ibcp_CollateralDependentLoanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents collateral dependent loan.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CollateralDependentLoanMember" xlink:href="ibcp-20251231.xsd#ibcp_CollateralDependentLoanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_CollateralDependentLoanMember" xlink:to="lab_ibcp_CollateralDependentLoanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_f9027eea-b62b-44b3-a9e7-6fe991b6f888_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Measurement Inputs and Valuation Techniques [Line Items]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Measurement Inputs and Valuation Techniques [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems" xlink:to="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AggtErrCompAmt_terseLabel_en-US" xlink:label="lab_ecd_AggtErrCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate Erroneous Compensation Amount</link:label>
    <link:label id="lab_ecd_AggtErrCompAmt_label_en-US" xlink:label="lab_ecd_AggtErrCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Aggregate Erroneous Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtErrCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AggtErrCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AggtErrCompAmt" xlink:to="lab_ecd_AggtErrCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_588bae4b-23ff-4de0-aec5-4c05c19ac71f_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Intrinsic value</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercises in Period, Intrinsic Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_ea550a40-1725-455c-a642-fbd9b2e0c552_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Share based compensation withholding obligation</link:label>
    <link:label id="lab_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_72b556c5-e5fc-423c-9257-af618d3e9bb1_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Share based compensation withholding obligation</link:label>
    <link:label id="lab_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_label_en-US" xlink:label="lab_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payment, Tax Withholding, Share-Based Payment Arrangement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:to="lab_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivables1To29DaysPastDueMember_3d50ec78-c108-416c-b8d0-9fa5fbd05476_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivables1To29DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans not Past Due</link:label>
    <link:label id="lab_us-gaap_FinancingReceivables1To29DaysPastDueMember_label_en-US" xlink:label="lab_us-gaap_FinancingReceivables1To29DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, 1 to 29 Days Past Due [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables1To29DaysPastDueMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivables1To29DaysPastDueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivables1To29DaysPastDueMember" xlink:to="lab_us-gaap_FinancingReceivables1To29DaysPastDueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PeerGroupIssuersFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_PeerGroupIssuersFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Peer Group Issuers, Footnote</link:label>
    <link:label id="lab_ecd_PeerGroupIssuersFnTextBlock_label_en-US" xlink:label="lab_ecd_PeerGroupIssuersFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Peer Group Issuers, Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeerGroupIssuersFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PeerGroupIssuersFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PeerGroupIssuersFnTextBlock" xlink:to="lab_ecd_PeerGroupIssuersFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeTermOfContract_298c519f-1af1-4bca-b63d-5f7ebff32b25_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeTermOfContract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative, term of contract</link:label>
    <link:label id="lab_us-gaap_DerivativeTermOfContract_label_en-US" xlink:label="lab_us-gaap_DerivativeTermOfContract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative, Term of Contract</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeTermOfContract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeTermOfContract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeTermOfContract" xlink:to="lab_us-gaap_DerivativeTermOfContract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromFederalHomeLoanBankBorrowings_911dfa88-6900-4260-aba4-34f3cac60077_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromFederalHomeLoanBankBorrowings" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from Federal Home Loan Bank advances</link:label>
    <link:label id="lab_us-gaap_ProceedsFromFederalHomeLoanBankBorrowings_label_en-US" xlink:label="lab_us-gaap_ProceedsFromFederalHomeLoanBankBorrowings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from FHLBank Borrowings, Financing Activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromFederalHomeLoanBankBorrowings" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromFederalHomeLoanBankBorrowings"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromFederalHomeLoanBankBorrowings" xlink:to="lab_us-gaap_ProceedsFromFederalHomeLoanBankBorrowings" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestRateFloorMember_1ecbb909-966d-4d2e-95c8-8e0fe9387674_terseLabel_en-US" xlink:label="lab_us-gaap_InterestRateFloorMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate floor agreements</link:label>
    <link:label id="lab_us-gaap_InterestRateFloorMember_label_en-US" xlink:label="lab_us-gaap_InterestRateFloorMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Rate Floor [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateFloorMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestRateFloorMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestRateFloorMember" xlink:to="lab_us-gaap_InterestRateFloorMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestIncomeOtherAbstract_5acad312-ec28-4df5-b0b0-298f4716d561_terseLabel_en-US" xlink:label="lab_us-gaap_NoninterestIncomeOtherAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Noninterest Income, Other [Abstract]</link:label>
    <link:label id="lab_us-gaap_NoninterestIncomeOtherAbstract_label_en-US" xlink:label="lab_us-gaap_NoninterestIncomeOtherAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest Income, Other [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeOtherAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestIncomeOtherAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestIncomeOtherAbstract" xlink:to="lab_us-gaap_NoninterestIncomeOtherAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_5ce38d0e-6f6b-4b50-8529-600b412925bb_totalLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive income</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_0491fd14-8153-45fa-9e9b-2293b425b2d8_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive income</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_CashAndDueFromBanksFairValueDisclosure_56c666f7-8752-4559-9f2d-ba6aae3d8b55_terseLabel_en-US" xlink:label="lab_ibcp_CashAndDueFromBanksFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash and due from banks</link:label>
    <link:label id="lab_ibcp_CashAndDueFromBanksFairValueDisclosure_label_en-US" xlink:label="lab_ibcp_CashAndDueFromBanksFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash and Due from Banks, Fair Value Disclosure</link:label>
    <link:label id="lab_ibcp_CashAndDueFromBanksFairValueDisclosure_documentation_en-US" xlink:label="lab_ibcp_CashAndDueFromBanksFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair value portion of banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CashAndDueFromBanksFairValueDisclosure" xlink:href="ibcp-20251231.xsd#ibcp_CashAndDueFromBanksFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_CashAndDueFromBanksFairValueDisclosure" xlink:to="lab_ibcp_CashAndDueFromBanksFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_VariableIncomeInterestRateMember_7a43feaa-7815-4530-b356-cd9b9a6a06f2_terseLabel_en-US" xlink:label="lab_us-gaap_VariableIncomeInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable Income Interest Rate</link:label>
    <link:label id="lab_us-gaap_VariableIncomeInterestRateMember_label_en-US" xlink:label="lab_us-gaap_VariableIncomeInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Income Interest Rate [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableIncomeInterestRateMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VariableIncomeInterestRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VariableIncomeInterestRateMember" xlink:to="lab_us-gaap_VariableIncomeInterestRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_9b95bc6f-c1be-4628-a382-bc8504c835f2_verboseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Weighted-Average Remaining Contractual Term [Abstract]</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Additional Disclosures [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract"/>
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    <link:label id="lab_ibcp_FICOScoreUnder500Member_8c34812e-79ac-4827-85bb-acf56c7ac1f8_terseLabel_en-US" xlink:label="lab_ibcp_FICOScoreUnder500Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Under 500</link:label>
    <link:label id="lab_ibcp_FICOScoreUnder500Member_label_en-US" xlink:label="lab_ibcp_FICOScoreUnder500Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">FICO Score, Under 500 [Member]</link:label>
    <link:label id="lab_ibcp_FICOScoreUnder500Member_documentation_en-US" xlink:label="lab_ibcp_FICOScoreUnder500Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Under 500 credit score as defined by the external credit rating agency, Fair Isaac Corporation (FICO). Element name and standard label in FICO Score [numeric lower end] to [numeric higher end] [Member] format.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FICOScoreUnder500Member" xlink:href="ibcp-20251231.xsd#ibcp_FICOScoreUnder500Member"/>
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    <link:label id="lab_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock_42993cca-9187-4d86-bf1b-b62d073915a1_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Derivative Instruments, Gain (Loss)</link:label>
    <link:label id="lab_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instruments, Gain (Loss) [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock"/>
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    <link:label id="lab_us-gaap_OperatingExpenses_4f3bed94-58a4-4133-8438-1711f10238bd_totalLabel_en-US" xlink:label="lab_us-gaap_OperatingExpenses" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total Operating Expenses</link:label>
    <link:label id="lab_us-gaap_OperatingExpenses_label_en-US" xlink:label="lab_us-gaap_OperatingExpenses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Expenses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingExpenses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingExpenses" xlink:to="lab_us-gaap_OperatingExpenses" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueInputsLevel1Member_c2db48ce-72cb-4ca3-aaa9-42676c2964a0_verboseLabel_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel1Member" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Quoted Prices in Active Markets for Identical Assets (Level 1)</link:label>
    <link:label id="lab_us-gaap_FairValueInputsLevel1Member_897935fe-3ac6-4d10-832f-e9e9e0a274ec_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel1Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Quoted Prices in Active Markets for Identical Assets (Level 1)</link:label>
    <link:label id="lab_us-gaap_FairValueInputsLevel1Member_label_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel1Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Inputs, Level 1 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueInputsLevel1Member" xlink:to="lab_us-gaap_FairValueInputsLevel1Member" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_StandardPoorsAAARatingMember_ce3d29e2-6bc4-437e-af78-496f5547e342_terseLabel_en-US" xlink:label="lab_srt_StandardPoorsAAARatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">AAA</link:label>
    <link:label id="lab_srt_StandardPoorsAAARatingMember_label_en-US" xlink:label="lab_srt_StandardPoorsAAARatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Standard &amp; Poor's, AAA Rating [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StandardPoorsAAARatingMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_StandardPoorsAAARatingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_StandardPoorsAAARatingMember" xlink:to="lab_srt_StandardPoorsAAARatingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings_793f5c3a-daa8-4328-95f8-9159490c9ba7_negatedLabel_en-US" xlink:label="lab_us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Payments of Federal Home Loan Bank advances</link:label>
    <link:label id="lab_us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings_label_en-US" xlink:label="lab_us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments of FHLBank Borrowings, Financing Activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings" xlink:to="lab_us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_1fa09e94-3155-4390-a8d2-0c416610567f_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Related Party Transactions, by Related Party [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transaction [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:to="lab_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EarningsPerShareDiluted_b952eeca-9d1a-4e1d-9d8a-4985723900c3_verboseLabel_en-US" xlink:label="lab_us-gaap_EarningsPerShareDiluted" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Diluted (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_EarningsPerShareDiluted_label_en-US" xlink:label="lab_us-gaap_EarningsPerShareDiluted" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Diluted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareDiluted" xlink:to="lab_us-gaap_EarningsPerShareDiluted" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalDepositInsuranceCorporationPremiumExpense_f86ca008-8aa2-45c8-8b14-c9521cd59a90_terseLabel_en-US" xlink:label="lab_us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FDIC deposit insurance</link:label>
    <link:label id="lab_us-gaap_FederalDepositInsuranceCorporationPremiumExpense_label_en-US" xlink:label="lab_us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Deposit Insurance Corporation Premium Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalDepositInsuranceCorporationPremiumExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:to="lab_us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RelatedPartyDepositLiabilities_2c9908c5-48e0-4939-8236-c49f63839c16_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyDepositLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Related party deposit liabilities</link:label>
    <link:label id="lab_us-gaap_RelatedPartyDepositLiabilities_label_en-US" xlink:label="lab_us-gaap_RelatedPartyDepositLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Deposit Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyDepositLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyDepositLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyDepositLiabilities" xlink:to="lab_us-gaap_RelatedPartyDepositLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FederalReserveBankInterestExpense_04b5359d-0a55-4fbf-9a28-e968d9ad9cf3_terseLabel_en-US" xlink:label="lab_ibcp_FederalReserveBankInterestExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest expense</link:label>
    <link:label id="lab_ibcp_FederalReserveBankInterestExpense_label_en-US" xlink:label="lab_ibcp_FederalReserveBankInterestExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Reserve Bank, Interest Expense</link:label>
    <link:label id="lab_ibcp_FederalReserveBankInterestExpense_documentation_en-US" xlink:label="lab_ibcp_FederalReserveBankInterestExpense" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Federal Reserve Bank, Interest Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FederalReserveBankInterestExpense" xlink:href="ibcp-20251231.xsd#ibcp_FederalReserveBankInterestExpense"/>
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    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvances_1e237404-dff6-4615-aea0-1c4d4a61cc8f_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvances" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total FHLB advances</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvances_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvances" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvances" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankAdvances"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvances" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvances" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_9aa4e74e-16b9-474e-8de0-4525199e161d_terseLabel_en-US" xlink:label="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reclassification out of Accumulated Other Comprehensive Income [Axis]</link:label>
    <link:label id="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_label_en-US" xlink:label="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification out of Accumulated Other Comprehensive Income [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis"/>
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    <link:label id="lab_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossRollForward_a3c1b1d1-c8f0-4170-aa4d-8f60e43aee2e_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Roll Forward]</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossRollForward_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossRollForward"/>
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    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_e5c6ee60-01d9-4647-8f84-abe55baa5d49_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maturing after five years but within ten years</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue"/>
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    <link:label id="lab_us-gaap_ScheduleOfRealizedGainLossTableTextBlock_eb2e5603-d493-41ed-a729-eb5f6fdccdc2_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfRealizedGainLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains and Losses Realized on Sale of Securities Available for Sale</link:label>
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    <link:label id="lab_us-gaap_LoansReceivableHeldForSaleAmount_6afa0f59-26ca-4849-b43d-dbc50eb3dbc9_verboseLabel_en-US" xlink:label="lab_us-gaap_LoansReceivableHeldForSaleAmount" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Contractual Principal</link:label>
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    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_362625df-c9d5-4e96-a0c7-a25b1f88fa30_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Unrealized Loss Position [Line Items]</link:label>
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    <link:label id="lab_us-gaap_ComprehensiveIncomePolicyPolicyTextBlock_171dbff5-c5bf-47a7-bd02-d68fa20443de_terseLabel_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomePolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">COMPREHENSIVE INCOME</link:label>
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    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_02768a27-a0e2-4dbd-a240-aaf5c101b13e_negatedLabel_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Less imputed interest</link:label>
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    <link:label id="lab_us-gaap_ProceedsFromSaleOfEquitySecuritiesFvNi_591f663f-4dc1-43a9-ba0c-1fe927917f9c_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfEquitySecuritiesFvNi" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from sales of equity securities at fair value</link:label>
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    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_18378965-3b7e-4682-adc0-2decccd1d4fb_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2027</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Asset, Expected Amortization, Year Two</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestBearingDomesticDepositTimeDeposits_f23f604b-efca-4d4c-8d99-26d29000bd0c_terseLabel_en-US" xlink:label="lab_us-gaap_InterestBearingDomesticDepositTimeDeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Time</link:label>
    <link:label id="lab_us-gaap_InterestBearingDomesticDepositTimeDeposits_label_en-US" xlink:label="lab_us-gaap_InterestBearingDomesticDepositTimeDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest-Bearing Domestic Deposit, Time Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDomesticDepositTimeDeposits" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestBearingDomesticDepositTimeDeposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestBearingDomesticDepositTimeDeposits" xlink:to="lab_us-gaap_InterestBearingDomesticDepositTimeDeposits" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityWellKnownSeasonedIssuer_9603b0fc-e372-4371-beee-7014190a1fa9_terseLabel_en-US" xlink:label="lab_dei_EntityWellKnownSeasonedIssuer" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Well-known Seasoned Issuer</link:label>
    <link:label id="lab_dei_EntityWellKnownSeasonedIssuer_label_en-US" xlink:label="lab_dei_EntityWellKnownSeasonedIssuer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Well-known Seasoned Issuer</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityWellKnownSeasonedIssuer" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityWellKnownSeasonedIssuer"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityWellKnownSeasonedIssuer" xlink:to="lab_dei_EntityWellKnownSeasonedIssuer" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock_6ca08396-41e8-4077-82e2-fac843585732_verboseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">PROPERTY AND EQUIPMENT</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_333fa091-a936-40ca-9155-6a87ab72d314_totalLabel_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total lease payments</link:label>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_label_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessee, Operating Lease, Liability, to be Paid</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_TaxCreditTransferAgreementPurchasePricePercentage_019c0934-4b90-745c-bee4-d08ed6fd5639_terseLabel_en-US" xlink:label="lab_ibcp_TaxCreditTransferAgreementPurchasePricePercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tax credit transfer agreement , purchase price percentage</link:label>
    <link:label id="lab_ibcp_TaxCreditTransferAgreementPurchasePricePercentage_label_en-US" xlink:label="lab_ibcp_TaxCreditTransferAgreementPurchasePricePercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax Credit Transfer Agreement, Purchase Price Percentage</link:label>
    <link:label id="lab_ibcp_TaxCreditTransferAgreementPurchasePricePercentage_documentation_en-US" xlink:label="lab_ibcp_TaxCreditTransferAgreementPurchasePricePercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tax Credit Transfer Agreement, Purchase Price Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_TaxCreditTransferAgreementPurchasePricePercentage" xlink:href="ibcp-20251231.xsd#ibcp_TaxCreditTransferAgreementPurchasePricePercentage"/>
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    <link:label id="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_a9dd174e-d486-4b69-9a03-87fa79d22738_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Actual Capital Amounts and Ratios</link:label>
    <link:label id="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:to="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_InterchangeIncomeMember_ce2da87a-9252-4c23-87a3-79df0d90ec55_terseLabel_en-US" xlink:label="lab_ibcp_InterchangeIncomeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interchange Income</link:label>
    <link:label id="lab_ibcp_InterchangeIncomeMember_label_en-US" xlink:label="lab_ibcp_InterchangeIncomeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interchange Income [Member]</link:label>
    <link:label id="lab_ibcp_InterchangeIncomeMember_documentation_en-US" xlink:label="lab_ibcp_InterchangeIncomeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interchange income primarily includes debit card interchange and network revenues.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InterchangeIncomeMember" xlink:href="ibcp-20251231.xsd#ibcp_InterchangeIncomeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_InterchangeIncomeMember" xlink:to="lab_ibcp_InterchangeIncomeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsDebtSecuritiesHeldToMaturityPreviouslyWrittenOffRecovery_e6d3325a-affe-484b-a908-31c01e3b2845_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsDebtSecuritiesHeldToMaturityPreviouslyWrittenOffRecovery" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from the sale of securities held to maturity previously charged off</link:label>
    <link:label id="lab_us-gaap_ProceedsDebtSecuritiesHeldToMaturityPreviouslyWrittenOffRecovery_label_en-US" xlink:label="lab_us-gaap_ProceedsDebtSecuritiesHeldToMaturityPreviouslyWrittenOffRecovery" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds, Debt Securities, Held-to-Maturity, Previously Written off, Recovery</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsDebtSecuritiesHeldToMaturityPreviouslyWrittenOffRecovery" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsDebtSecuritiesHeldToMaturityPreviouslyWrittenOffRecovery"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsDebtSecuritiesHeldToMaturityPreviouslyWrittenOffRecovery" xlink:to="lab_us-gaap_ProceedsDebtSecuritiesHeldToMaturityPreviouslyWrittenOffRecovery" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_ff9b2ef8-3110-4db3-be3b-ad5d40c8703a_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_8bfdb7d0-f13f-4fe7-b88f-e6bc8db9ecf9_totalLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total loans</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable_f70a3774-f776-4c56-a154-8e516f5d7f69_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Fair Value, Off-balance Sheet Risks [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, off-Balance-Sheet Risk [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable" xlink:to="lab_us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubordinatedBorrowingsDisclosureTextBlock_b05a0b3a-b54a-46f2-8170-e74695ca067e_verboseLabel_en-US" xlink:label="lab_us-gaap_SubordinatedBorrowingsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">SUBORDINATED DEBT AND DEBENTURES</link:label>
    <link:label id="lab_us-gaap_SubordinatedBorrowingsDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_SubordinatedBorrowingsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Borrowings Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedBorrowingsDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SubordinatedBorrowingsDisclosureTextBlock"/>
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    <link:label id="lab_us-gaap_InvestmentOwnedBalanceShares_45208908-05cd-4aa7-93cb-2b78ddc77579_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentOwnedBalanceShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of shares owned (in shares)</link:label>
    <link:label id="lab_us-gaap_InvestmentOwnedBalanceShares_label_en-US" xlink:label="lab_us-gaap_InvestmentOwnedBalanceShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment Owned, Balance, Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentOwnedBalanceShares" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentOwnedBalanceShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentOwnedBalanceShares" xlink:to="lab_us-gaap_InvestmentOwnedBalanceShares" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IntersegmentEliminationMember_d66b852a-4297-468e-b2d3-4f86176d5334_terseLabel_en-US" xlink:label="lab_us-gaap_IntersegmentEliminationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Eliminations</link:label>
    <link:label id="lab_us-gaap_IntersegmentEliminationMember_label_en-US" xlink:label="lab_us-gaap_IntersegmentEliminationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Intersegment Eliminations [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntersegmentEliminationMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IntersegmentEliminationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IntersegmentEliminationMember" xlink:to="lab_us-gaap_IntersegmentEliminationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock_019b4ee9-63cf-7252-9921-30cfe1ade49b_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Unrealized Loss Position, Fair Value</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock"/>
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    <link:label id="lab_ecd_TrdArrExpirationDate_terseLabel_en-US" xlink:label="lab_ecd_TrdArrExpirationDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expiration Date</link:label>
    <link:label id="lab_ecd_TrdArrExpirationDate_label_en-US" xlink:label="lab_ecd_TrdArrExpirationDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement Expiration Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrExpirationDate" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TrdArrExpirationDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrExpirationDate" xlink:to="lab_ecd_TrdArrExpirationDate" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossOnSaleIncludedInEarnings_2aed3792-68e5-4064-9886-6859c5ad044c_terseLabel_en-US" xlink:label="lab_ibcp_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossOnSaleIncludedInEarnings" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Included in results of operations - gain on sale</link:label>
    <link:label id="lab_ibcp_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossOnSaleIncludedInEarnings_label_en-US" xlink:label="lab_ibcp_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossOnSaleIncludedInEarnings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) On Sale, Included In Earnings</link:label>
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    <link:label id="lab_us-gaap_ProceedsFromRepaymentsOfOtherDebt_e1a8b61f-63a9-4a81-a4cc-9e2d8edba2c0_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromRepaymentsOfOtherDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net decrease in other borrowings</link:label>
    <link:label id="lab_us-gaap_ProceedsFromRepaymentsOfOtherDebt_label_en-US" xlink:label="lab_us-gaap_ProceedsFromRepaymentsOfOtherDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from (Repayments of) Other Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromRepaymentsOfOtherDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromRepaymentsOfOtherDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromRepaymentsOfOtherDebt" xlink:to="lab_us-gaap_ProceedsFromRepaymentsOfOtherDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum_9a342faa-8302-476a-a229-bd2910e6e34c_terseLabel_en-US" xlink:label="lab_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum for well-capitalized institutions, ratio</link:label>
    <link:label id="lab_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum_label_en-US" xlink:label="lab_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Common Equity Tier 1 Risk-Based Capital Ratio, Well Capitalized, Minimum</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum" xlink:to="lab_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_ComponentsOfRegulatoryCapitalAbstract_f1adfc89-5812-486d-8f43-9df70cb6b5b8_terseLabel_en-US" xlink:label="lab_ibcp_ComponentsOfRegulatoryCapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Components of Regulatory Capital [Abstract]</link:label>
    <link:label id="lab_ibcp_ComponentsOfRegulatoryCapitalAbstract_label_en-US" xlink:label="lab_ibcp_ComponentsOfRegulatoryCapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Components Of Regulatory Capital [Abstract]</link:label>
    <link:label id="lab_ibcp_ComponentsOfRegulatoryCapitalAbstract_documentation_en-US" xlink:label="lab_ibcp_ComponentsOfRegulatoryCapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Components of regulatory capital [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ComponentsOfRegulatoryCapitalAbstract" xlink:href="ibcp-20251231.xsd#ibcp_ComponentsOfRegulatoryCapitalAbstract"/>
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    <link:label id="lab_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_f68b3501-afeb-4907-8981-ca340985738b_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt securities, held-to-maturity, allowance for credit loss</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_0654712c-1f65-4340-b211-cd9465209c2e_periodStartLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Balance at beginning of period</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_7c307ea3-e0f2-494f-9e1b-c68839d36b41_periodEndLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Balance at end of period</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity, Allowance for Credit Loss, Excluding Accrued Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest" xlink:to="lab_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_ReserveBalancesMaintainedAtOtherFinancialInstitutions_a1bbe1e8-737d-49c8-a53a-6e4cae5f4030_terseLabel_en-US" xlink:label="lab_ibcp_ReserveBalancesMaintainedAtOtherFinancialInstitutions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reserve balances held at unrelated financial institutions</link:label>
    <link:label id="lab_ibcp_ReserveBalancesMaintainedAtOtherFinancialInstitutions_label_en-US" xlink:label="lab_ibcp_ReserveBalancesMaintainedAtOtherFinancialInstitutions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reserve Balances, Maintained At Other Financial Institutions</link:label>
    <link:label id="lab_ibcp_ReserveBalancesMaintainedAtOtherFinancialInstitutions_documentation_en-US" xlink:label="lab_ibcp_ReserveBalancesMaintainedAtOtherFinancialInstitutions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Required reserve balances held at unrelated financial institutions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ReserveBalancesMaintainedAtOtherFinancialInstitutions" xlink:href="ibcp-20251231.xsd#ibcp_ReserveBalancesMaintainedAtOtherFinancialInstitutions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_ReserveBalancesMaintainedAtOtherFinancialInstitutions" xlink:to="lab_ibcp_ReserveBalancesMaintainedAtOtherFinancialInstitutions" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentNet_59f2eff0-97d0-454e-b883-88d4007b9ae6_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property and equipment, net</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentNet_2eb4e4dd-1576-4dd3-9a47-229482edb551_totalLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Property and equipment, net</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentNet_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentNet" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentNet" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_CollateralDependentLoansMember_6647e5fa-393a-41dd-8625-8a03e8a24df4_verboseLabel_en-US" xlink:label="lab_ibcp_CollateralDependentLoansMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Collateral Dependent Loans</link:label>
    <link:label id="lab_ibcp_CollateralDependentLoansMember_a36a2580-7dda-41a4-beb8-768154fbf063_terseLabel_en-US" xlink:label="lab_ibcp_CollateralDependentLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collateral Dependent Loans, Commercial</link:label>
    <link:label id="lab_ibcp_CollateralDependentLoansMember_label_en-US" xlink:label="lab_ibcp_CollateralDependentLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collateral Dependent Loans [Member]</link:label>
    <link:label id="lab_ibcp_CollateralDependentLoansMember_documentation_en-US" xlink:label="lab_ibcp_CollateralDependentLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the collateral dependent loans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CollateralDependentLoansMember" xlink:href="ibcp-20251231.xsd#ibcp_CollateralDependentLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_CollateralDependentLoansMember" xlink:to="lab_ibcp_CollateralDependentLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_CompActuallyPaidVsNetIncomeTextBlock_terseLabel_en-US" xlink:label="lab_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Net Income</link:label>
    <link:label id="lab_ecd_CompActuallyPaidVsNetIncomeTextBlock_label_en-US" xlink:label="lab_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Net Income [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_CompActuallyPaidVsNetIncomeTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:to="lab_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityCurrentReportingStatus_c3c511db-ef9f-47f1-ac14-343dace17da3_terseLabel_en-US" xlink:label="lab_dei_EntityCurrentReportingStatus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Current Reporting Status</link:label>
    <link:label id="lab_dei_EntityCurrentReportingStatus_label_en-US" xlink:label="lab_dei_EntityCurrentReportingStatus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Current Reporting Status</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCurrentReportingStatus" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityCurrentReportingStatus"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCurrentReportingStatus" xlink:to="lab_dei_EntityCurrentReportingStatus" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ReceivablesAbstract_2ac5becb-88d0-425d-ba43-870b5f9b38e1_terseLabel_en-US" xlink:label="lab_us-gaap_ReceivablesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Receivables [Abstract]</link:label>
    <link:label id="lab_us-gaap_ReceivablesAbstract_label_en-US" xlink:label="lab_us-gaap_ReceivablesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Receivables [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivablesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ReceivablesAbstract" xlink:to="lab_us-gaap_ReceivablesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_ReciprocalDeposits_8fa27df5-0c2c-4f1d-acd2-0565777b41c8_verboseLabel_en-US" xlink:label="lab_ibcp_ReciprocalDeposits" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Reciprocal</link:label>
    <link:label id="lab_ibcp_ReciprocalDeposits_b2977b3a-887c-4861-9a9f-14a0f103187b_totalLabel_en-US" xlink:label="lab_ibcp_ReciprocalDeposits" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_ibcp_ReciprocalDeposits_label_en-US" xlink:label="lab_ibcp_ReciprocalDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reciprocal Deposits</link:label>
    <link:label id="lab_ibcp_ReciprocalDeposits_documentation_en-US" xlink:label="lab_ibcp_ReciprocalDeposits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Total amount of reciprocal deposits .</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ReciprocalDeposits" xlink:href="ibcp-20251231.xsd#ibcp_ReciprocalDeposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_ReciprocalDeposits" xlink:to="lab_ibcp_ReciprocalDeposits" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscTable_terseLabel_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Awards Close in Time to MNPI Disclosures</link:label>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscTable_label_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Awards Close in Time to MNPI Disclosures [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardsCloseToMnpiDiscTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:to="lab_ecd_AwardsCloseToMnpiDiscTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CollateralAxis_40c5d03f-c62e-4203-a9a7-b4c9714fd22c_terseLabel_en-US" xlink:label="lab_us-gaap_CollateralAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collateral Held [Axis]</link:label>
    <link:label id="lab_us-gaap_CollateralAxis_label_en-US" xlink:label="lab_us-gaap_CollateralAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collateral Held [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CollateralAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CollateralAxis" xlink:to="lab_us-gaap_CollateralAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ConsolidatedEntitiesDomain_3846e40d-ada1-4147-a5af-5ce3602583cf_terseLabel_en-US" xlink:label="lab_srt_ConsolidatedEntitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidated Entities</link:label>
    <link:label id="lab_srt_ConsolidatedEntitiesDomain_label_en-US" xlink:label="lab_srt_ConsolidatedEntitiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidated Entities [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ConsolidatedEntitiesDomain" xlink:to="lab_srt_ConsolidatedEntitiesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_7cb81109-8141-4293-803c-b37f5c90634e_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maturing within one year</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:to="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_6b715813-5926-451a-aa7f-729471bc0b5f_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">U.S. statutory rate applied to income before income tax</link:label>
    <link:label id="lab_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_label_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation at Federal Statutory Income Tax Rate, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xlink:to="lab_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_GinnieMaeMember_131b1546-d99d-4d45-9219-705e117045c1_terseLabel_en-US" xlink:label="lab_ibcp_GinnieMaeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Ginnie Mae</link:label>
    <link:label id="lab_ibcp_GinnieMaeMember_label_en-US" xlink:label="lab_ibcp_GinnieMaeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Ginnie Mae [Member]</link:label>
    <link:label id="lab_ibcp_GinnieMaeMember_documentation_en-US" xlink:label="lab_ibcp_GinnieMaeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Refers to Mortgage loans serviced for Ginnie Mae.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_GinnieMaeMember" xlink:href="ibcp-20251231.xsd#ibcp_GinnieMaeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_GinnieMaeMember" xlink:to="lab_ibcp_GinnieMaeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancialInstrumentAxis_213da354-8b37-4f3c-ae17-ea3aec7d59d3_terseLabel_en-US" xlink:label="lab_us-gaap_FinancialInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Instrument [Axis]</link:label>
    <link:label id="lab_us-gaap_FinancialInstrumentAxis_label_en-US" xlink:label="lab_us-gaap_FinancialInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Instrument [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancialInstrumentAxis" xlink:to="lab_us-gaap_FinancialInstrumentAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementOfFinancialPositionAbstract_25a096ba-b690-42af-940d-f2dd6a6b469e_terseLabel_en-US" xlink:label="lab_us-gaap_StatementOfFinancialPositionAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statement of Financial Position [Abstract]</link:label>
    <link:label id="lab_us-gaap_StatementOfFinancialPositionAbstract_502ec9e0-0a38-446f-af98-872a1815d0e7_verboseLabel_en-US" xlink:label="lab_us-gaap_StatementOfFinancialPositionAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Statement of Financial Position [Abstract]</link:label>
    <link:label id="lab_us-gaap_StatementOfFinancialPositionAbstract_label_en-US" xlink:label="lab_us-gaap_StatementOfFinancialPositionAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Financial Position [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementOfFinancialPositionAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract" xlink:to="lab_us-gaap_StatementOfFinancialPositionAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ExecutiveCategoryAxis_terseLabel_en-US" xlink:label="lab_ecd_ExecutiveCategoryAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Executive Category:</link:label>
    <link:label id="lab_ecd_ExecutiveCategoryAxis_label_en-US" xlink:label="lab_ecd_ExecutiveCategoryAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Executive Category [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ExecutiveCategoryAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ExecutiveCategoryAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ExecutiveCategoryAxis" xlink:to="lab_ecd_ExecutiveCategoryAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_d92230b6-4eee-401d-a8d1-0de25d41bb69_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt securities, available-for-sale, unrealized losses, twelve months or more</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinanceLoansAndLeasesReceivablePolicy_c85310bb-635c-4b2f-871e-9bad0f6e81c7_terseLabel_en-US" xlink:label="lab_us-gaap_FinanceLoansAndLeasesReceivablePolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ALLOWANCE FOR CREDIT LOSSES</link:label>
    <link:label id="lab_us-gaap_FinanceLoansAndLeasesReceivablePolicy_label_en-US" xlink:label="lab_us-gaap_FinanceLoansAndLeasesReceivablePolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinanceLoansAndLeasesReceivablePolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinanceLoansAndLeasesReceivablePolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinanceLoansAndLeasesReceivablePolicy" xlink:to="lab_us-gaap_FinanceLoansAndLeasesReceivablePolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FinancingReceivableExcludingAccruedInterestModificationsNonaccrualNumberOfContracts_2ce854cd-d45a-4c71-9301-256dea9718b9_terseLabel_en-US" xlink:label="lab_ibcp_FinancingReceivableExcludingAccruedInterestModificationsNonaccrualNumberOfContracts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of contracts</link:label>
    <link:label id="lab_ibcp_FinancingReceivableExcludingAccruedInterestModificationsNonaccrualNumberOfContracts_label_en-US" xlink:label="lab_ibcp_FinancingReceivableExcludingAccruedInterestModificationsNonaccrualNumberOfContracts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Modifications, Nonaccrual, Number Of Contracts</link:label>
    <link:label id="lab_ibcp_FinancingReceivableExcludingAccruedInterestModificationsNonaccrualNumberOfContracts_documentation_en-US" xlink:label="lab_ibcp_FinancingReceivableExcludingAccruedInterestModificationsNonaccrualNumberOfContracts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Modifications, Nonaccrual, Number Of Contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableExcludingAccruedInterestModificationsNonaccrualNumberOfContracts" xlink:href="ibcp-20251231.xsd#ibcp_FinancingReceivableExcludingAccruedInterestModificationsNonaccrualNumberOfContracts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FinancingReceivableExcludingAccruedInterestModificationsNonaccrualNumberOfContracts" xlink:to="lab_ibcp_FinancingReceivableExcludingAccruedInterestModificationsNonaccrualNumberOfContracts" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_SharesIssuedOnDeferralBasisCreditedPercentageOfCurrentValue_a73fe370-05cb-41f0-8c8b-575f8d261495_terseLabel_en-US" xlink:label="lab_ibcp_SharesIssuedOnDeferralBasisCreditedPercentageOfCurrentValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Shares issued on deferral basis, credited percentage of current value</link:label>
    <link:label id="lab_ibcp_SharesIssuedOnDeferralBasisCreditedPercentageOfCurrentValue_label_en-US" xlink:label="lab_ibcp_SharesIssuedOnDeferralBasisCreditedPercentageOfCurrentValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Shares Issued On Deferral Basis, Credited Percentage Of Current Value</link:label>
    <link:label id="lab_ibcp_SharesIssuedOnDeferralBasisCreditedPercentageOfCurrentValue_documentation_en-US" xlink:label="lab_ibcp_SharesIssuedOnDeferralBasisCreditedPercentageOfCurrentValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The credited percentage of the current value of shares issued on a deferred basis.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SharesIssuedOnDeferralBasisCreditedPercentageOfCurrentValue" xlink:href="ibcp-20251231.xsd#ibcp_SharesIssuedOnDeferralBasisCreditedPercentageOfCurrentValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_SharesIssuedOnDeferralBasisCreditedPercentageOfCurrentValue" xlink:to="lab_ibcp_SharesIssuedOnDeferralBasisCreditedPercentageOfCurrentValue" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_MeasurementInputFloatRateMember_2d1ab28e-a67c-4e5d-b32e-d9a711800e0c_terseLabel_en-US" xlink:label="lab_ibcp_MeasurementInputFloatRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Float rate</link:label>
    <link:label id="lab_ibcp_MeasurementInputFloatRateMember_label_en-US" xlink:label="lab_ibcp_MeasurementInputFloatRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input, Float Rate [Member]</link:label>
    <link:label id="lab_ibcp_MeasurementInputFloatRateMember_documentation_en-US" xlink:label="lab_ibcp_MeasurementInputFloatRateMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Measurement input using float rate to determine fair value.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_MeasurementInputFloatRateMember" xlink:href="ibcp-20251231.xsd#ibcp_MeasurementInputFloatRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_MeasurementInputFloatRateMember" xlink:to="lab_ibcp_MeasurementInputFloatRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxReconciliationTaxCreditsInvestment_019c2bea-f053-7911-a244-ad13d19a9314_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationTaxCreditsInvestment" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Tax credit investments, net of amortization</link:label>
    <link:label id="lab_us-gaap_IncomeTaxReconciliationTaxCreditsInvestment_label_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationTaxCreditsInvestment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Tax Credit, Investment, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationTaxCreditsInvestment" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxReconciliationTaxCreditsInvestment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxReconciliationTaxCreditsInvestment" xlink:to="lab_us-gaap_IncomeTaxReconciliationTaxCreditsInvestment" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CurrentFiscalYearEndDate_83969628-aa11-44cb-afee-067fc6c07c5e_terseLabel_en-US" xlink:label="lab_dei_CurrentFiscalYearEndDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Current Fiscal Year End Date</link:label>
    <link:label id="lab_dei_CurrentFiscalYearEndDate_label_en-US" xlink:label="lab_dei_CurrentFiscalYearEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current Fiscal Year End Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CurrentFiscalYearEndDate" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_CurrentFiscalYearEndDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CurrentFiscalYearEndDate" xlink:to="lab_dei_CurrentFiscalYearEndDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_78f82694-d811-497c-8da0-83721182e64f_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt securities, available-for-sale, unrealized losses, less than twelve months</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_Deposits_858467b9-9f9c-41d6-8a96-4c3d1e14076a_totalLabel_en-US" xlink:label="lab_us-gaap_Deposits" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total Deposits</link:label>
    <link:label id="lab_us-gaap_Deposits_label_en-US" xlink:label="lab_us-gaap_Deposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Deposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Deposits" xlink:to="lab_us-gaap_Deposits" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_NumberOfRealEstateAssetsSold_3bd7fb80-90b0-45d1-85eb-fc4ba78ded5f_terseLabel_en-US" xlink:label="lab_ibcp_NumberOfRealEstateAssetsSold" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of real estate assets sold during the period</link:label>
    <link:label id="lab_ibcp_NumberOfRealEstateAssetsSold_label_en-US" xlink:label="lab_ibcp_NumberOfRealEstateAssetsSold" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Real Estate Assets Sold</link:label>
    <link:label id="lab_ibcp_NumberOfRealEstateAssetsSold_documentation_en-US" xlink:label="lab_ibcp_NumberOfRealEstateAssetsSold" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The number of real estate assets financed by the entity sold during the period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NumberOfRealEstateAssetsSold" xlink:href="ibcp-20251231.xsd#ibcp_NumberOfRealEstateAssetsSold"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_NumberOfRealEstateAssetsSold" xlink:to="lab_ibcp_NumberOfRealEstateAssetsSold" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_32e6525e-6cd8-4bac-89c8-7adc43b7dd0b_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan Portfolios</link:label>
    <link:label id="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:to="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_CapitalizedMortgageLoanServicingRightsFairValueDisclosure_6313e1a1-4fab-42d6-be61-0e17022898dc_terseLabel_en-US" xlink:label="lab_ibcp_CapitalizedMortgageLoanServicingRightsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Capitalized mortgage loan servicing rights</link:label>
    <link:label id="lab_ibcp_CapitalizedMortgageLoanServicingRightsFairValueDisclosure_label_en-US" xlink:label="lab_ibcp_CapitalizedMortgageLoanServicingRightsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Capitalized Mortgage Loan Servicing Rights, Fair Value Disclosure</link:label>
    <link:label id="lab_ibcp_CapitalizedMortgageLoanServicingRightsFairValueDisclosure_documentation_en-US" xlink:label="lab_ibcp_CapitalizedMortgageLoanServicingRightsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Capitalized mortgage loan servicing rights, fair value disclosure.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CapitalizedMortgageLoanServicingRightsFairValueDisclosure" xlink:href="ibcp-20251231.xsd#ibcp_CapitalizedMortgageLoanServicingRightsFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_CapitalizedMortgageLoanServicingRightsFairValueDisclosure" xlink:to="lab_ibcp_CapitalizedMortgageLoanServicingRightsFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_b3840177-8c64-4585-8abb-90b77ce76b83_verboseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Weighted- Average Grant Date Fair Value</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProfessionalFees_f894d2da-9e3d-4cd9-99b7-07aecc1eac0e_terseLabel_en-US" xlink:label="lab_us-gaap_ProfessionalFees" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Legal and professional</link:label>
    <link:label id="lab_us-gaap_ProfessionalFees_label_en-US" xlink:label="lab_us-gaap_ProfessionalFees" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Professional Fees</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfessionalFees" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProfessionalFees"/>
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    <link:label id="lab_us-gaap_DerivativeLiabilities_4910e4cf-5aea-4ff8-a56c-232675ab3b4d_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivatives</link:label>
    <link:label id="lab_us-gaap_DerivativeLiabilities_4e53ecd2-1273-467f-a07d-668630f26930_verboseLabel_en-US" xlink:label="lab_us-gaap_DerivativeLiabilities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Derivative financial instruments</link:label>
    <link:label id="lab_us-gaap_DerivativeLiabilities_label_en-US" xlink:label="lab_us-gaap_DerivativeLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeLiabilities" xlink:to="lab_us-gaap_DerivativeLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherNoninterestExpense_ecbea51d-a9c2-4fa6-9983-c261b735ee64_terseLabel_en-US" xlink:label="lab_us-gaap_OtherNoninterestExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_us-gaap_OtherNoninterestExpense_label_en-US" xlink:label="lab_us-gaap_OtherNoninterestExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Noninterest Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNoninterestExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherNoninterestExpense"/>
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    <link:label id="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_f94ce37f-e655-41f7-95e8-04f33bb38432_terseLabel_en-US" xlink:label="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reclassification out of Accumulated Other Comprehensive Income</link:label>
    <link:label id="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_label_en-US" xlink:label="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification out of Accumulated Other Comprehensive Income [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:to="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember_terseLabel_en-US" xlink:label="lab_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Awards Adjustments, Excluding Value Reported in Compensation Table</link:label>
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    <link:label id="lab_ibcp_CapitalizedMortgageLoanServicingRightsMember_55eaef33-b80c-4716-91cd-ec80793358d2_terseLabel_en-US" xlink:label="lab_ibcp_CapitalizedMortgageLoanServicingRightsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage Loan Servicing, net</link:label>
    <link:label id="lab_ibcp_CapitalizedMortgageLoanServicingRightsMember_95a07a2c-935b-4e64-a814-2df191cdf6de_verboseLabel_en-US" xlink:label="lab_ibcp_CapitalizedMortgageLoanServicingRightsMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Capitalized Mortgage Loan Servicing Rights</link:label>
    <link:label id="lab_ibcp_CapitalizedMortgageLoanServicingRightsMember_label_en-US" xlink:label="lab_ibcp_CapitalizedMortgageLoanServicingRightsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Capitalized Mortgage Loan Servicing Rights [Member]</link:label>
    <link:label id="lab_ibcp_CapitalizedMortgageLoanServicingRightsMember_documentation_en-US" xlink:label="lab_ibcp_CapitalizedMortgageLoanServicingRightsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Refers to the capitalized mortgage loan servicing rights.</link:label>
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    <link:label id="lab_us-gaap_LoanRestructuringModificationAxis_0b82b6c0-dd0f-4573-a295-fc3e518ab57b_terseLabel_en-US" xlink:label="lab_us-gaap_LoanRestructuringModificationAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan Restructuring Modification [Axis]</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoanRestructuringModificationAxis" xlink:to="lab_us-gaap_LoanRestructuringModificationAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR_019c7501-1012-7482-8530-43d5465fcc8c_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from the sale of capitalized mortgage loan servicing rights</link:label>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR_label_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Sale of Mortgage Servicing Rights (MSR)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR"/>
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    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_6558dc8c-375c-43f1-85f9-9b39d6e6b9b9_totalLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Debt securities, available-for-sale, unrealized losses, total</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Unrealized Loss Position, Accumulated Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
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    <link:label id="lab_us-gaap_UnrecognizedTaxBenefits_c52bb798-724e-42e9-81a9-5bb2b089f07b_periodStartLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefits" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Balance at beginning of year</link:label>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefits_f0067e03-b86f-4631-bd9e-d806dc7d35d4_periodEndLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefits" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Balance at end of year</link:label>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefits_label_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrecognized Tax Benefits</link:label>
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    <link:label id="lab_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_fd33fa17-ac88-4e6c-a511-a5a8e14ca2c0_terseLabel_en-US" xlink:label="lab_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Antidilutive shares excluded from computation of diluted income per share (in shares)</link:label>
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    <link:label id="lab_ibcp_Borrowings_6f31c001-573b-4baa-a402-240e7f78266a_terseLabel_en-US" xlink:label="lab_ibcp_Borrowings" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_ibcp_Borrowings_label_en-US" xlink:label="lab_ibcp_Borrowings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Borrowings</link:label>
    <link:label id="lab_ibcp_Borrowings_documentation_en-US" xlink:label="lab_ibcp_Borrowings" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The carrying amount on the balance sheet date for the aggregate of borrowings owed by the reporting entity that may include Treasury Tax and Loan or other borrowings not otherwise defined in the taxonomy.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Borrowings" xlink:href="ibcp-20251231.xsd#ibcp_Borrowings"/>
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    <link:label id="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_8fe5f4b4-4ab8-489a-bf6a-6e8df57a7f09_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]</link:label>
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    <link:label id="lab_us-gaap_FairValueByBalanceSheetGroupingTable_label_en-US" xlink:label="lab_us-gaap_FairValueByBalanceSheetGroupingTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, by Balance Sheet Grouping [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByBalanceSheetGroupingTable"/>
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    <link:label id="lab_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_033bf976-44e8-473a-a5cd-0394dfd9cfc4_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Held-to-Maturity Securities [Line Items]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_label_en-US" xlink:label="lab_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Held-to-Maturity Securities [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems"/>
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    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate_f472629f-1832-4af1-88dd-e58425b28830_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Advances year one, amount</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advance, Maturity, Year One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PastDueFinancingReceivablesTableTextBlock_27f97d44-64a0-4234-aff9-ddbf3b50485d_terseLabel_en-US" xlink:label="lab_us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aging Analysis of Loans by Class</link:label>
    <link:label id="lab_us-gaap_PastDueFinancingReceivablesTableTextBlock_label_en-US" xlink:label="lab_us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Past Due [Table Text Block]</link:label>
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    <link:label id="lab_ibcp_FinancingReceivablePercentageOfLoansToPortfolioLoans_800fea8a-7391-4770-98cd-9624cd12e658_terseLabel_en-US" xlink:label="lab_ibcp_FinancingReceivablePercentageOfLoansToPortfolioLoans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percent of Loans to Total Portfolio Loans</link:label>
    <link:label id="lab_ibcp_FinancingReceivablePercentageOfLoansToPortfolioLoans_label_en-US" xlink:label="lab_ibcp_FinancingReceivablePercentageOfLoansToPortfolioLoans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Percentage Of Loans To Portfolio Loans</link:label>
    <link:label id="lab_ibcp_FinancingReceivablePercentageOfLoansToPortfolioLoans_documentation_en-US" xlink:label="lab_ibcp_FinancingReceivablePercentageOfLoansToPortfolioLoans" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of loans to portfolio loans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivablePercentageOfLoansToPortfolioLoans" xlink:href="ibcp-20251231.xsd#ibcp_FinancingReceivablePercentageOfLoansToPortfolioLoans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FinancingReceivablePercentageOfLoansToPortfolioLoans" xlink:to="lab_ibcp_FinancingReceivablePercentageOfLoansToPortfolioLoans" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LesseeOperatingLeasesTextBlock_c76c333c-c3f7-4ca9-b397-4f939302ea7b_verboseLabel_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeasesTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">LEASES</link:label>
    <link:label id="lab_us-gaap_LesseeOperatingLeasesTextBlock_label_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeasesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessee, Operating Leases [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeasesTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeasesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LesseeOperatingLeasesTextBlock" xlink:to="lab_us-gaap_LesseeOperatingLeasesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities_8cc0b54f-0351-4e8c-ad69-3ece6e9bfcf9_totalLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net Cash From Financing Activities</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Provided by (Used in) Financing Activity, Including Discontinued Operation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:to="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_MeasureAxis_terseLabel_en-US" xlink:label="lab_ecd_MeasureAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measure:</link:label>
    <link:label id="lab_ecd_MeasureAxis_label_en-US" xlink:label="lab_ecd_MeasureAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measure [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MeasureAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_MeasureAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_MeasureAxis" xlink:to="lab_ecd_MeasureAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_OtherBorrowingsMember_019ca164-594b-7fe7-94a7-9c363f053c0e_terseLabel_en-US" xlink:label="lab_ibcp_OtherBorrowingsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Borrowings</link:label>
    <link:label id="lab_ibcp_OtherBorrowingsMember_label_en-US" xlink:label="lab_ibcp_OtherBorrowingsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Borrowings [Member]</link:label>
    <link:label id="lab_ibcp_OtherBorrowingsMember_documentation_en-US" xlink:label="lab_ibcp_OtherBorrowingsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Borrowings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_OtherBorrowingsMember" xlink:href="ibcp-20251231.xsd#ibcp_OtherBorrowingsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_OtherBorrowingsMember" xlink:to="lab_ibcp_OtherBorrowingsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProvisionForLoanLossesExpensed_a424ad31-0de7-4d50-9a95-345433dffa62_terseLabel_en-US" xlink:label="lab_us-gaap_ProvisionForLoanLossesExpensed" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provision for credit losses</link:label>
    <link:label id="lab_us-gaap_ProvisionForLoanLossesExpensed_label_en-US" xlink:label="lab_us-gaap_ProvisionForLoanLossesExpensed" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Credit Loss, Expense (Reversal)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLossesExpensed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProvisionForLoanLossesExpensed" xlink:to="lab_us-gaap_ProvisionForLoanLossesExpensed" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ValuationTechniqueAxis_cd276b5c-4b38-4b40-bb2d-7251f8757167_terseLabel_en-US" xlink:label="lab_us-gaap_ValuationTechniqueAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Valuation Approach and Technique [Axis]</link:label>
    <link:label id="lab_us-gaap_ValuationTechniqueAxis_label_en-US" xlink:label="lab_us-gaap_ValuationTechniqueAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Valuation Approach and Technique [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ValuationTechniqueAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ValuationTechniqueAxis" xlink:to="lab_us-gaap_ValuationTechniqueAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeFairValueOfDerivativeNet_5177c558-4749-424e-bec2-d6c94e45b469_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value</link:label>
    <link:label id="lab_us-gaap_DerivativeFairValueOfDerivativeNet_label_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative, Fair Value, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeNet" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeNet" xlink:to="lab_us-gaap_DerivativeFairValueOfDerivativeNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TierOneLeverageCapitalAbstract_a01c2459-8ee3-4609-ae85-056ee6d5dc5e_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tier 1 capital to average assets</link:label>
    <link:label id="lab_us-gaap_TierOneLeverageCapitalAbstract_label_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Leverage Capital [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneLeverageCapitalAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract" xlink:to="lab_us-gaap_TierOneLeverageCapitalAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentTypeDomain_1fb9bc9f-8820-4d23-accc-65e497deca3f_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Long-Lived Tangible Asset</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentTypeDomain_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Lived Tangible Asset [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_LoansReceivableMeasurementInput_cdcba274-3ee0-4a01-85b9-412ce883e432_terseLabel_en-US" xlink:label="lab_ibcp_LoansReceivableMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Impaired loans</link:label>
    <link:label id="lab_ibcp_LoansReceivableMeasurementInput_label_en-US" xlink:label="lab_ibcp_LoansReceivableMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Receivable, Measurement Input</link:label>
    <link:label id="lab_ibcp_LoansReceivableMeasurementInput_documentation_en-US" xlink:label="lab_ibcp_LoansReceivableMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Value of input used to measure investment in loans receivable measured at fair value.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_LoansReceivableMeasurementInput" xlink:href="ibcp-20251231.xsd#ibcp_LoansReceivableMeasurementInput"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_LoansReceivableMeasurementInput" xlink:to="lab_ibcp_LoansReceivableMeasurementInput" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList_5f9478a7-aefb-4e01-86e3-719d20d9165e_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_HeldToMaturitySecuritiesAbstract_e90fdcc3-8000-4d7e-92c0-8164d8d79022_terseLabel_en-US" xlink:label="lab_us-gaap_HeldToMaturitySecuritiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]</link:label>
    <link:label id="lab_us-gaap_HeldToMaturitySecuritiesAbstract_label_en-US" xlink:label="lab_us-gaap_HeldToMaturitySecuritiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesAbstract" xlink:to="lab_us-gaap_HeldToMaturitySecuritiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock_ae0225d8-cced-47fc-b721-052d62076b99_terseLabel_en-US" xlink:label="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Reclassifications Out of Each Component of AOCIL</link:label>
    <link:label id="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification out of Accumulated Other Comprehensive Income [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock" xlink:to="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PvpTableTextBlock_terseLabel_en-US" xlink:label="lab_ecd_PvpTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pay vs Performance Disclosure, Table</link:label>
    <link:label id="lab_ecd_PvpTableTextBlock_label_en-US" xlink:label="lab_ecd_PvpTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pay vs Performance [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PvpTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PvpTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PvpTableTextBlock" xlink:to="lab_ecd_PvpTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_CollateralOtherThanRealEstateMember_3ae8926b-a710-4d2e-a160-ef3e7f9c4f7f_terseLabel_en-US" xlink:label="lab_ibcp_CollateralOtherThanRealEstateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collateral Other Than Real Estate</link:label>
    <link:label id="lab_ibcp_CollateralOtherThanRealEstateMember_label_en-US" xlink:label="lab_ibcp_CollateralOtherThanRealEstateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collateral Other Than Real Estate [Member]</link:label>
    <link:label id="lab_ibcp_CollateralOtherThanRealEstateMember_documentation_en-US" xlink:label="lab_ibcp_CollateralOtherThanRealEstateMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Collateral Other Than Real Estate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CollateralOtherThanRealEstateMember" xlink:href="ibcp-20251231.xsd#ibcp_CollateralOtherThanRealEstateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_CollateralOtherThanRealEstateMember" xlink:to="lab_ibcp_CollateralOtherThanRealEstateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CapitalAbstract_62bf5c73-6b13-4dc7-a90f-7faea0fb8298_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total capital to risk-weighted assets</link:label>
    <link:label id="lab_us-gaap_CapitalAbstract_label_en-US" xlink:label="lab_us-gaap_CapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Total Capital [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CapitalAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CapitalAbstract" xlink:to="lab_us-gaap_CapitalAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt_terseLabel_en-US" xlink:label="lab_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forgone Recovery due to Violation of Home Country Law, Amount</link:label>
    <link:label id="lab_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt_label_en-US" xlink:label="lab_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forgone Recovery due to Violation of Home Country Law, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:to="lab_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityTaxIdentificationNumber_9311a9ea-2b6b-4441-906e-516d045efe5c_terseLabel_en-US" xlink:label="lab_dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:label id="lab_dei_EntityTaxIdentificationNumber_label_en-US" xlink:label="lab_dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityTaxIdentificationNumber" xlink:to="lab_dei_EntityTaxIdentificationNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FinancingReceivableAccruedInterestRevolving_5bf0566b-0c25-415f-9b6a-4c1b1e17d178_terseLabel_en-US" xlink:label="lab_ibcp_FinancingReceivableAccruedInterestRevolving" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued interest, revolving</link:label>
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    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_d2b7e500-669f-4b4f-b61a-057541dd2e0d_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Available-for-sale securities, without single maturity, fair value.</link:label>
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    <link:label id="lab_srt_MortgageLoansOnRealEstateLoanTypeAxis_47cf5af5-9f03-4568-914c-fc0cbf9b08fb_terseLabel_en-US" xlink:label="lab_srt_MortgageLoansOnRealEstateLoanTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">SEC Schedule, 12-29, Real Estate Companies, Investment in Mortgage Loans on Real Estate, Loan Type [Axis]</link:label>
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    <link:label id="lab_ibcp_SubsidiariesTrustFiveMember_7c2e0ac2-202e-4819-90c7-670b4fa4e24c_terseLabel_en-US" xlink:label="lab_ibcp_SubsidiariesTrustFiveMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">TCSB Statutory Trust I</link:label>
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    <link:label id="lab_ibcp_MortgageLoanServicingRightsSoldCapitalizedPercentage_4a3aa03b-9b75-4bf4-9c18-f427e78df411_terseLabel_en-US" xlink:label="lab_ibcp_MortgageLoanServicingRightsSoldCapitalizedPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage loan servicing rights sold, capitalized, percentage</link:label>
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    <link:label id="lab_us-gaap_CommonStockSharesIssued_f522f4be-4d4d-4fc2-beec-112068be674b_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockSharesIssued" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common stock, shares issued (in shares)</link:label>
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    <link:label id="lab_us-gaap_DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration_b8819f42-6767-427c-8917-a8581fba663c_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Asset, Statement of Financial Position [Extensible Enumeration]</link:label>
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    <link:label id="lab_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1_a0b46b2d-95fe-4a5f-800a-46bac46396cd_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted average remaining lease term (years)</link:label>
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    <link:label id="lab_us-gaap_CommercialMortgageBackedSecuritiesMember_ccebb3fe-6ec9-4842-b9e6-09f0190815af_terseLabel_en-US" xlink:label="lab_us-gaap_CommercialMortgageBackedSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">U.S. agency commercial mortgage-backed</link:label>
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    <link:label id="lab_ibcp_ConstructionLoanConcentrationRiskMember_c33acda4-13fe-4d19-bc3c-63b552472785_terseLabel_en-US" xlink:label="lab_ibcp_ConstructionLoanConcentrationRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Construction Loan Concentration Risk</link:label>
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    <link:label id="lab_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_7ccb2dca-d142-416f-8ed6-8cd9b2b2f567_terseLabel_en-US" xlink:label="lab_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">U.S. agency residential mortgage-backed</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
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    <link:label id="lab_dei_EntityPublicFloat_7abc87a3-f3e8-4092-8d69-24ad7f312728_terseLabel_en-US" xlink:label="lab_dei_EntityPublicFloat" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Public Float</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityPublicFloat" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityPublicFloat"/>
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    <link:label id="lab_ecd_TradingArrAxis_terseLabel_en-US" xlink:label="lab_ecd_TradingArrAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading Arrangement:</link:label>
    <link:label id="lab_ecd_TradingArrAxis_label_en-US" xlink:label="lab_ecd_TradingArrAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TradingArrAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TradingArrAxis"/>
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    <link:label id="lab_ecd_TotalShareholderRtnAmt_terseLabel_en-US" xlink:label="lab_ecd_TotalShareholderRtnAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Shareholder Return Amount</link:label>
    <link:label id="lab_ecd_TotalShareholderRtnAmt_label_en-US" xlink:label="lab_ecd_TotalShareholderRtnAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total Shareholder Return Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TotalShareholderRtnAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TotalShareholderRtnAmt"/>
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    <link:label id="lab_ibcp_MeasurementInputCostToServiceApproachMember_ef10de2d-85c4-4740-9e26-0fa0c961b15c_terseLabel_en-US" xlink:label="lab_ibcp_MeasurementInputCostToServiceApproachMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cost to service</link:label>
    <link:label id="lab_ibcp_MeasurementInputCostToServiceApproachMember_label_en-US" xlink:label="lab_ibcp_MeasurementInputCostToServiceApproachMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input, Cost To Service Approach [Member]</link:label>
    <link:label id="lab_ibcp_MeasurementInputCostToServiceApproachMember_documentation_en-US" xlink:label="lab_ibcp_MeasurementInputCostToServiceApproachMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Measurement input using cost to service to determine present value of future cash flows.</link:label>
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    <link:label id="lab_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAllowanceForCreditLossWriteoff_3e9d7695-3f3f-4483-b318-addecf9bbabf_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAllowanceForCreditLossWriteoff" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securities HTM charged against the allowance</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAllowanceForCreditLossWriteoff_b1007459-7d75-4c65-85d4-c3ca808fb6a2_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAllowanceForCreditLossWriteoff" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Securities HTM charged against the allowance</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAllowanceForCreditLossWriteoff_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAllowanceForCreditLossWriteoff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAllowanceForCreditLossWriteoff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
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    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTaxParent_622772e0-63b9-4fb1-8aec-366973085a77_totalLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTaxParent" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Unrealized gains (losses) recognized in other comprehensive income on derivative instruments</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTaxParent_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTaxParent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification, before Tax, Parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTaxParent" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTaxParent"/>
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    <link:label id="lab_us-gaap_FairValueOptionAggregateDifferencesLoansAndLongTermReceivables_d3e1218c-40ac-40d8-8c64-cd96af147c58_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueOptionAggregateDifferencesLoansAndLongTermReceivables" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Difference</link:label>
    <link:label id="lab_us-gaap_FairValueOptionAggregateDifferencesLoansAndLongTermReceivables_label_en-US" xlink:label="lab_us-gaap_FairValueOptionAggregateDifferencesLoansAndLongTermReceivables" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Aggregate Differences, Loans and Long-Term Receivables</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionAggregateDifferencesLoansAndLongTermReceivables" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueOptionAggregateDifferencesLoansAndLongTermReceivables"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueOptionAggregateDifferencesLoansAndLongTermReceivables" xlink:to="lab_us-gaap_FairValueOptionAggregateDifferencesLoansAndLongTermReceivables" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits_c3d409b9-29ad-45ca-966c-4663b148045a_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Savings and interest-bearing checking</link:label>
    <link:label id="lab_us-gaap_InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits_label_en-US" xlink:label="lab_us-gaap_InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, NOW Accounts, Money Market Accounts, and Savings Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits"/>
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    <link:label id="lab_ibcp_InterestIncomeSecuritiesOperatingTaxableAndTaxExempt_894179e4-356a-480b-bb0e-92651745b13f_terseLabel_en-US" xlink:label="lab_ibcp_InterestIncomeSecuritiesOperatingTaxableAndTaxExempt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest on securities</link:label>
    <link:label id="lab_ibcp_InterestIncomeSecuritiesOperatingTaxableAndTaxExempt_label_en-US" xlink:label="lab_ibcp_InterestIncomeSecuritiesOperatingTaxableAndTaxExempt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income, Securities, Operating, Taxable And Tax Exempt</link:label>
    <link:label id="lab_ibcp_InterestIncomeSecuritiesOperatingTaxableAndTaxExempt_documentation_en-US" xlink:label="lab_ibcp_InterestIncomeSecuritiesOperatingTaxableAndTaxExempt" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest Income, Securities, Operating, Taxable And Tax Exempt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InterestIncomeSecuritiesOperatingTaxableAndTaxExempt" xlink:href="ibcp-20251231.xsd#ibcp_InterestIncomeSecuritiesOperatingTaxableAndTaxExempt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_InterestIncomeSecuritiesOperatingTaxableAndTaxExempt" xlink:to="lab_ibcp_InterestIncomeSecuritiesOperatingTaxableAndTaxExempt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CorporateNonSegmentMember_0f685385-7b92-42e6-83f8-a4c482b37e51_terseLabel_en-US" xlink:label="lab_us-gaap_CorporateNonSegmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Segment Reporting, Reconciling Item, Corporate Nonsegment</link:label>
    <link:label id="lab_us-gaap_CorporateNonSegmentMember_label_en-US" xlink:label="lab_us-gaap_CorporateNonSegmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment Reporting, Reconciling Item, Corporate Nonsegment [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateNonSegmentMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CorporateNonSegmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CorporateNonSegmentMember" xlink:to="lab_us-gaap_CorporateNonSegmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FinancingReceivableModificationsNonaccrualNumberOfContracts_de072f56-9fd1-4c79-bd41-f2eca420759c_terseLabel_en-US" xlink:label="lab_ibcp_FinancingReceivableModificationsNonaccrualNumberOfContracts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Modification, nonaccrual, number of loans</link:label>
    <link:label id="lab_ibcp_FinancingReceivableModificationsNonaccrualNumberOfContracts_label_en-US" xlink:label="lab_ibcp_FinancingReceivableModificationsNonaccrualNumberOfContracts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modifications, Nonaccrual, Number Of Contracts</link:label>
    <link:label id="lab_ibcp_FinancingReceivableModificationsNonaccrualNumberOfContracts_documentation_en-US" xlink:label="lab_ibcp_FinancingReceivableModificationsNonaccrualNumberOfContracts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modifications, Nonaccrual, Number Of Contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableModificationsNonaccrualNumberOfContracts" xlink:href="ibcp-20251231.xsd#ibcp_FinancingReceivableModificationsNonaccrualNumberOfContracts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FinancingReceivableModificationsNonaccrualNumberOfContracts" xlink:to="lab_ibcp_FinancingReceivableModificationsNonaccrualNumberOfContracts" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_SecurityExchangeName_fe8addd7-d18d-49eb-a9d4-9c2bb9c1cc15_terseLabel_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Security Exchange Name</link:label>
    <link:label id="lab_dei_SecurityExchangeName_label_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Security Exchange Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_SecurityExchangeName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_SecurityExchangeName" xlink:to="lab_dei_SecurityExchangeName" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesFixedRate_7aa65bf0-7eae-4274-8716-428481e97e29_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesFixedRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total fixed rate advances, amount</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesFixedRate_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesFixedRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Fixed Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesFixedRate" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankAdvancesFixedRate"/>
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    <link:label id="lab_us-gaap_ProceedsFromSaleOfLoansHeldForInvestment_1f2c999b-e54f-4b4e-b8a8-4f150f5b9194_verboseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfLoansHeldForInvestment" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from the sale of portfolio loans</link:label>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfLoansHeldForInvestment_ab28a8fc-d6c9-4483-b4a3-24a236e4d90d_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfLoansHeldForInvestment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from sale of loans held-for-investment</link:label>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfLoansHeldForInvestment_label_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfLoansHeldForInvestment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Sale, Loan, Held-for-Investment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfLoansHeldForInvestment" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForInvestment"/>
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    <link:label id="lab_us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList_adbc39c7-ae48-4047-948d-d812b2161ba4_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList"/>
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    <link:label id="lab_ibcp_ContractDisclosureOffBalanceSheetRisksAmountOnVariableRate_019c7529-b454-74d2-8e96-332b29a55f56_terseLabel_en-US" xlink:label="lab_ibcp_ContractDisclosureOffBalanceSheetRisksAmountOnVariableRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable Rate</link:label>
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    <link:label id="lab_ibcp_AdditionsDeductionsAbstract_20b0741c-835b-48a8-8009-65c205990a3e_terseLabel_en-US" xlink:label="lab_ibcp_AdditionsDeductionsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additions (deductions)</link:label>
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    <link:label id="lab_ibcp_AdditionsDeductionsAbstract_documentation_en-US" xlink:label="lab_ibcp_AdditionsDeductionsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Additions (deductions) [Abstract]</link:label>
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    <link:label id="lab_us-gaap_StockRepurchasedDuringPeriodShares_4e7a5d55-d84d-4619-b9e1-76670091e3b3_terseLabel_en-US" xlink:label="lab_us-gaap_StockRepurchasedDuringPeriodShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock repurchased during period (in shares)</link:label>
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    <link:label id="lab_us-gaap_OperatingExpensesAbstract_5f4f5d9e-e4e1-437d-9248-4f869326c6b7_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingExpensesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">OPERATING EXPENSES</link:label>
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    <link:label id="lab_ibcp_TaxCreditTransferAgreementIncomeTaxesReceivable_019ca1fd-46d9-77cc-8242-e14c989b746e_terseLabel_en-US" xlink:label="lab_ibcp_TaxCreditTransferAgreementIncomeTaxesReceivable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tax credit transfer agreement, income taxes receivable</link:label>
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    <link:label id="lab_ibcp_TaxCreditTransferAgreementIncomeTaxesReceivable_documentation_en-US" xlink:label="lab_ibcp_TaxCreditTransferAgreementIncomeTaxesReceivable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tax Credit Transfer Agreement, Income Taxes Receivable</link:label>
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    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_539b3107-c732-4d11-9ecb-4af108e39893_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Included in results of operations</link:label>
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    <link:label id="lab_ibcp_CreditScoresByLoanClassAbstract_95c738a1-739c-4578-bdb4-e368500a66b5_terseLabel_en-US" xlink:label="lab_ibcp_CreditScoresByLoanClassAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of Credit Scores by Loan Class [Abstract]</link:label>
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    <link:label id="lab_us-gaap_StatementLineItems_bbff74a1-37fe-43f9-a46c-10351176f141_terseLabel_en-US" xlink:label="lab_us-gaap_StatementLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statement [Line Items]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementLineItems"/>
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    <link:label id="lab_ibcp_ForeclosedResidentialRealEstate_7f1879ba-3244-4892-9e49-cf1af32f62d4_terseLabel_en-US" xlink:label="lab_ibcp_ForeclosedResidentialRealEstate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Foreclosed residential real estate</link:label>
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    <link:label id="lab_ibcp_ForeclosedResidentialRealEstate_documentation_en-US" xlink:label="lab_ibcp_ForeclosedResidentialRealEstate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of residential real estate included in foreclosed assets.</link:label>
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    <link:label id="lab_ibcp_FinancingReceivableAccruedInterestCurrentFiscalYear_documentation_en-US" xlink:label="lab_ibcp_FinancingReceivableAccruedInterestCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount, before allowance for credit loss, of accrued interest on financing receivable originated in current fiscal year.</link:label>
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    <link:label id="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue_8b5bf628-58d7-4a9a-bd8e-40e1dce3980e_totalLabel_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Cash and Cash Equivalents</link:label>
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    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfAdditionalSharesAuthorized_d5f79850-89a7-4ad4-ae7f-8d60eb9f84b1_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfAdditionalSharesAuthorized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of additional shares approved for grant (in shares)</link:label>
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    <link:label id="lab_us-gaap_CommonStockMember_0aa63b35-3ce4-45e3-9a95-5f0acceae238_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common Stock</link:label>
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    <link:label id="lab_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_b58bb91a-d9c8-4458-a94d-835be2b1604c_totalLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Weighted average shares outstanding for calculation of diluted earnings per share (in shares)</link:label>
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    <link:label id="lab_us-gaap_OtherForeclosedAssets_f550534b-c73d-4628-b620-da769e68015f_verboseLabel_en-US" xlink:label="lab_us-gaap_OtherForeclosedAssets" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other repossessed assets</link:label>
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    <link:label id="lab_ibcp_FinancingReceivableAccruedInterestTwoYearsBeforeCurrentFiscalYear_41731728-1584-4cd8-b5a4-712a528b25ac_terseLabel_en-US" xlink:label="lab_ibcp_FinancingReceivableAccruedInterestTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued interest, two years before current fiscal year</link:label>
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    <link:label id="lab_us-gaap_SignificantAccountingPoliciesTextBlock_b46a7c90-8d24-43fb-8be1-9cf70bcf1430_verboseLabel_en-US" xlink:label="lab_us-gaap_SignificantAccountingPoliciesTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">ACCOUNTING POLICIES</link:label>
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    <link:label id="lab_srt_RangeMember_a94157ff-50fa-4e2f-94d6-f152b98160fc_terseLabel_en-US" xlink:label="lab_srt_RangeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statistical Measurement</link:label>
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    <link:label id="lab_us-gaap_UnallocatedFinancingReceivablesMember_5528ea8f-e851-4ae1-86b1-d3525b672c3d_terseLabel_en-US" xlink:label="lab_us-gaap_UnallocatedFinancingReceivablesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subjective Allocation</link:label>
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    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive_755a9c9a-baf2-485b-b314-a8fc16336300_terseLabel_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2031 and thereafter</link:label>
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    <link:label id="lab_ibcp_PaymentForTaxCreditTransferAgreement_019c0934-4b90-7ec3-9b86-26fff43ab4ad_terseLabel_en-US" xlink:label="lab_ibcp_PaymentForTaxCreditTransferAgreement" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Payment for tax credit transfer agreement</link:label>
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    <link:label id="lab_srt_ScheduleOfCondensedBalanceSheetTableTextBlock_2b24f6e6-02a2-45a6-b544-0bfbd28bfee9_terseLabel_en-US" xlink:label="lab_srt_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Statements of Financial Condition</link:label>
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    <link:label id="lab_ibcp_LoansAndLeasesReceivableLoanCommitmentsRelatedParties_f9ff8574-757f-4a7c-9307-e6a87d85a917_terseLabel_en-US" xlink:label="lab_ibcp_LoansAndLeasesReceivableLoanCommitmentsRelatedParties" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan commitments to directors and executive officers</link:label>
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    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_7a417260-19ca-4170-8cc3-6199c9cde5e4_totalLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total securities available-for-sale, amortized cost</link:label>
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    <link:label id="lab_ibcp_CreditQualityExternallyCreditRatedAndNonRatedSecuritiesMember_1428cb0f-3a7a-4610-8887-ddcd66a0b9c4_terseLabel_en-US" xlink:label="lab_ibcp_CreditQualityExternallyCreditRatedAndNonRatedSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit Rated and Non-rated Securities HTM</link:label>
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    <link:label id="lab_us-gaap_ValuationTechniqueDomain_28f414e8-b67e-48fb-a449-baf4b87ce490_terseLabel_en-US" xlink:label="lab_us-gaap_ValuationTechniqueDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Valuation Approach and Technique</link:label>
    <link:label id="lab_us-gaap_ValuationTechniqueDomain_label_en-US" xlink:label="lab_us-gaap_ValuationTechniqueDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Valuation Approach and Technique [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ValuationTechniqueDomain"/>
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    <link:label id="lab_us-gaap_InterestRateSwapMember_d07beb84-ac37-464d-8956-1f9392e76415_terseLabel_en-US" xlink:label="lab_us-gaap_InterestRateSwapMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pay-fixed interest rate swap agreement</link:label>
    <link:label id="lab_us-gaap_InterestRateSwapMember_539fa7ba-fb1f-408d-8e08-cbcbc4c129b3_verboseLabel_en-US" xlink:label="lab_us-gaap_InterestRateSwapMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Interest rate swap agreement</link:label>
    <link:label id="lab_us-gaap_InterestRateSwapMember_label_en-US" xlink:label="lab_us-gaap_InterestRateSwapMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Rate Swap [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestRateSwapMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestRateSwapMember" xlink:to="lab_us-gaap_InterestRateSwapMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TaxJurisdictionOfDomicileExtensibleEnumeration_019ca214-0346-7638-8b7d-86be1b1c8f05_terseLabel_en-US" xlink:label="lab_us-gaap_TaxJurisdictionOfDomicileExtensibleEnumeration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tax Jurisdiction of Domicile [Extensible Enumeration]</link:label>
    <link:label id="lab_us-gaap_TaxJurisdictionOfDomicileExtensibleEnumeration_label_en-US" xlink:label="lab_us-gaap_TaxJurisdictionOfDomicileExtensibleEnumeration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tax Jurisdiction of Domicile [Extensible Enumeration]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TaxJurisdictionOfDomicileExtensibleEnumeration" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TaxJurisdictionOfDomicileExtensibleEnumeration"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TaxJurisdictionOfDomicileExtensibleEnumeration" xlink:to="lab_us-gaap_TaxJurisdictionOfDomicileExtensibleEnumeration" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsAverageUnemploymentRateReversionPeriod_019b4eca-5f5e-734d-88db-2c5a7b8b36b6_terseLabel_en-US" xlink:label="lab_ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsAverageUnemploymentRateReversionPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Average unemployment rate, term</link:label>
    <link:label id="lab_ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsAverageUnemploymentRateReversionPeriod_label_en-US" xlink:label="lab_ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsAverageUnemploymentRateReversionPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance For Credit Losses, Probability Of Default Assumptions, Average Unemployment Rate, Reversion Period</link:label>
    <link:label id="lab_ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsAverageUnemploymentRateReversionPeriod_documentation_en-US" xlink:label="lab_ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsAverageUnemploymentRateReversionPeriod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance For Credit Losses, Probability Of Default Assumptions, Average Unemployment Rate, Reversion Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsAverageUnemploymentRateReversionPeriod" xlink:href="ibcp-20251231.xsd#ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsAverageUnemploymentRateReversionPeriod"/>
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    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss_cfd85599-30b7-4bfe-8068-525aff8357d7_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Included in other comprehensive income (loss)</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss" xlink:to="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FederalHomeLoanBankStockAsPercentagesOfUnpaidPrincipalBalance_f0bd1df5-72c3-4c55-97b5-f8bfd450808f_terseLabel_en-US" xlink:label="lab_ibcp_FederalHomeLoanBankStockAsPercentagesOfUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FHLB stock as a percentage of unpaid principal balance</link:label>
    <link:label id="lab_ibcp_FederalHomeLoanBankStockAsPercentagesOfUnpaidPrincipalBalance_label_en-US" xlink:label="lab_ibcp_FederalHomeLoanBankStockAsPercentagesOfUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank Stock As Percentages Of Unpaid Principal Balance</link:label>
    <link:label id="lab_ibcp_FederalHomeLoanBankStockAsPercentagesOfUnpaidPrincipalBalance_documentation_en-US" xlink:label="lab_ibcp_FederalHomeLoanBankStockAsPercentagesOfUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents minimum percentage of unpaid principal balance of residential mortgage loans that needs to be held in the form of federal home loan bank stock.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FederalHomeLoanBankStockAsPercentagesOfUnpaidPrincipalBalance" xlink:href="ibcp-20251231.xsd#ibcp_FederalHomeLoanBankStockAsPercentagesOfUnpaidPrincipalBalance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FederalHomeLoanBankStockAsPercentagesOfUnpaidPrincipalBalance" xlink:to="lab_ibcp_FederalHomeLoanBankStockAsPercentagesOfUnpaidPrincipalBalance" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BankOwnedLifeInsurance_2f60474e-3e44-4f62-a674-fcfd6a4c08c4_terseLabel_en-US" xlink:label="lab_us-gaap_BankOwnedLifeInsurance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Bank-owned life insurance</link:label>
    <link:label id="lab_us-gaap_BankOwnedLifeInsurance_label_en-US" xlink:label="lab_us-gaap_BankOwnedLifeInsurance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Bank Owned Life Insurance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankOwnedLifeInsurance" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BankOwnedLifeInsurance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BankOwnedLifeInsurance" xlink:to="lab_us-gaap_BankOwnedLifeInsurance" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeLossFromEquityMethodInvestments_94b1ee3e-f6e3-4c49-8095-f9487902262c_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromEquityMethodInvestments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity in undistributed net income of subsidiaries</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromEquityMethodInvestments_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromEquityMethodInvestments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Equity Method Investments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromEquityMethodInvestments" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromEquityMethodInvestments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeLossFromEquityMethodInvestments" xlink:to="lab_us-gaap_IncomeLossFromEquityMethodInvestments" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract_bd18e561-2610-4aaf-9788-0424311264d8_terseLabel_en-US" xlink:label="lab_ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reclassifications out of AOCIL [Abstract]</link:label>
    <link:label id="lab_ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract_label_en-US" xlink:label="lab_ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification Adjustment, Accumulated Other Comprehensive Income [Abstract]</link:label>
    <link:label id="lab_ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract_documentation_en-US" xlink:label="lab_ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Reclassification Adjustment, Accumulated Other Comprehensive Income [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract" xlink:href="ibcp-20251231.xsd#ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract" xlink:to="lab_ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_DeferredTaxAssetsOtherThanTemporaryImpairmentChargeOnSecuritiesAvailableForSale_42dcb007-e380-4634-a89f-0f40a286d431_terseLabel_en-US" xlink:label="lab_ibcp_DeferredTaxAssetsOtherThanTemporaryImpairmentChargeOnSecuritiesAvailableForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other than temporary impairment charge on securities available for sale</link:label>
    <link:label id="lab_ibcp_DeferredTaxAssetsOtherThanTemporaryImpairmentChargeOnSecuritiesAvailableForSale_label_en-US" xlink:label="lab_ibcp_DeferredTaxAssetsOtherThanTemporaryImpairmentChargeOnSecuritiesAvailableForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Other Than Temporary Impairment Charge On Securities Available For Sale</link:label>
    <link:label id="lab_ibcp_DeferredTaxAssetsOtherThanTemporaryImpairmentChargeOnSecuritiesAvailableForSale_documentation_en-US" xlink:label="lab_ibcp_DeferredTaxAssetsOtherThanTemporaryImpairmentChargeOnSecuritiesAvailableForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from other than temporary impairment charge on securities available for sale.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DeferredTaxAssetsOtherThanTemporaryImpairmentChargeOnSecuritiesAvailableForSale" xlink:href="ibcp-20251231.xsd#ibcp_DeferredTaxAssetsOtherThanTemporaryImpairmentChargeOnSecuritiesAvailableForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_DeferredTaxAssetsOtherThanTemporaryImpairmentChargeOnSecuritiesAvailableForSale" xlink:to="lab_ibcp_DeferredTaxAssetsOtherThanTemporaryImpairmentChargeOnSecuritiesAvailableForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LeasesAbstract_20a6ddbf-01f5-4b49-8069-6788f4eca4ea_terseLabel_en-US" xlink:label="lab_us-gaap_LeasesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Leases [Abstract]</link:label>
    <link:label id="lab_us-gaap_LeasesAbstract_label_en-US" xlink:label="lab_us-gaap_LeasesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Leases [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LeasesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LeasesAbstract" xlink:to="lab_us-gaap_LeasesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_StandardPoorsBBRatingMember_17877403-4f15-4211-9d04-ae6940cbc2e5_terseLabel_en-US" xlink:label="lab_srt_StandardPoorsBBRatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">BB</link:label>
    <link:label id="lab_srt_StandardPoorsBBRatingMember_label_en-US" xlink:label="lab_srt_StandardPoorsBBRatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Standard &amp; Poor's, BB Rating [Member]</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_StandardPoorsBBRatingMember" xlink:to="lab_srt_StandardPoorsBBRatingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_LessorsOfResidentialRealEstateMember_e283a1f5-3fd9-4095-ab9a-d519ffe4b2f7_terseLabel_en-US" xlink:label="lab_ibcp_LessorsOfResidentialRealEstateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Lessors of Residential Real Estate</link:label>
    <link:label id="lab_ibcp_LessorsOfResidentialRealEstateMember_label_en-US" xlink:label="lab_ibcp_LessorsOfResidentialRealEstateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessors of Residential Real Estate [Member]</link:label>
    <link:label id="lab_ibcp_LessorsOfResidentialRealEstateMember_documentation_en-US" xlink:label="lab_ibcp_LessorsOfResidentialRealEstateMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Refers to concentration of credit risk to lessor residential real estate.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_LessorsOfResidentialRealEstateMember" xlink:href="ibcp-20251231.xsd#ibcp_LessorsOfResidentialRealEstateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_LessorsOfResidentialRealEstateMember" xlink:to="lab_ibcp_LessorsOfResidentialRealEstateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_InterestBearingDepositsPolicyTextBlock_46ee6993-9e72-4065-bfc2-49c3845e1aad_terseLabel_en-US" xlink:label="lab_ibcp_InterestBearingDepositsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">INTEREST BEARING DEPOSITS</link:label>
    <link:label id="lab_ibcp_InterestBearingDepositsPolicyTextBlock_label_en-US" xlink:label="lab_ibcp_InterestBearingDepositsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Bearing Deposits [Policy Text Block]</link:label>
    <link:label id="lab_ibcp_InterestBearingDepositsPolicyTextBlock_documentation_en-US" xlink:label="lab_ibcp_InterestBearingDepositsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of accounting policy for interest bearing deposits.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InterestBearingDepositsPolicyTextBlock" xlink:href="ibcp-20251231.xsd#ibcp_InterestBearingDepositsPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_InterestBearingDepositsPolicyTextBlock" xlink:to="lab_ibcp_InterestBearingDepositsPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrualNoAllowance_03dc7cdb-5119-4f4b-9b11-f73d1be21b4a_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrualNoAllowance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-Accrual with no Allowance for Credit Loss</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrualNoAllowance_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrualNoAllowance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Nonaccrual, No Allowance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrualNoAllowance" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrualNoAllowance"/>
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    <link:label id="lab_ibcp_FICOScoreGreaterThan800Member_482f988b-e67f-4d18-ae96-cf1711426b3a_terseLabel_en-US" xlink:label="lab_ibcp_FICOScoreGreaterThan800Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">800 and above</link:label>
    <link:label id="lab_ibcp_FICOScoreGreaterThan800Member_label_en-US" xlink:label="lab_ibcp_FICOScoreGreaterThan800Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">FICO Score, Greater than 800 [Member]</link:label>
    <link:label id="lab_ibcp_FICOScoreGreaterThan800Member_documentation_en-US" xlink:label="lab_ibcp_FICOScoreGreaterThan800Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Greater than 800 credit score as defined by the external credit rating agency, Fair Isaac Corporation (FICO). Element name and standard label in FICO Score Greater Than [low end numeric value] [Member] or FICO Score Less Than [high end numeric value] [Member] formats.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FICOScoreGreaterThan800Member" xlink:href="ibcp-20251231.xsd#ibcp_FICOScoreGreaterThan800Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FICOScoreGreaterThan800Member" xlink:to="lab_ibcp_FICOScoreGreaterThan800Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation_11f209fd-28b8-4b1a-9bf3-8856c77c6bed_negatedLabel_en-US" xlink:label="lab_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Share based compensation withholding obligation</link:label>
    <link:label id="lab_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation_label_en-US" xlink:label="lab_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Decrease for Tax Withholding Obligation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:to="lab_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationAbstract_e4b44311-b732-4846-a430-55752049e870_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share Based Compensation [Abstract]</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationAbstract_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Noncash Expense [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract" xlink:to="lab_us-gaap_ShareBasedCompensationAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_b2a38990-fcc3-4e2b-b9e9-4f6c3486a0ce_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt securities, available-for-sale, unrealized losses</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Loss, before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xlink:to="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TradingArrByIndTable_terseLabel_en-US" xlink:label="lab_ecd_TradingArrByIndTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading Arrangements, by Individual</link:label>
    <link:label id="lab_ecd_TradingArrByIndTable_label_en-US" xlink:label="lab_ecd_TradingArrByIndTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangements, by Individual [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TradingArrByIndTable" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TradingArrByIndTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TradingArrByIndTable" xlink:to="lab_ecd_TradingArrByIndTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EarningsPerShareBasic_a7fe3d81-ac22-4af6-a6f6-353edb3968c2_terseLabel_en-US" xlink:label="lab_us-gaap_EarningsPerShareBasic" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basic (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_EarningsPerShareBasic_label_en-US" xlink:label="lab_us-gaap_EarningsPerShareBasic" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Basic</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareBasic" xlink:to="lab_us-gaap_EarningsPerShareBasic" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityOnFixedRateMaturityTerm_019c752d-0ccb-7c19-a96f-291220d8a312_terseLabel_en-US" xlink:label="lab_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityOnFixedRateMaturityTerm" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maturity term (in years)</link:label>
    <link:label id="lab_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityOnFixedRateMaturityTerm_label_en-US" xlink:label="lab_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityOnFixedRateMaturityTerm" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contract Disclosure Off Balance Sheet Risks Liability on Fixed Rate, Maturity, Term</link:label>
    <link:label id="lab_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityOnFixedRateMaturityTerm_documentation_en-US" xlink:label="lab_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityOnFixedRateMaturityTerm" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Contract Disclosure Off Balance Sheet Risks Liability on Fixed Rate, Maturity, Term</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityOnFixedRateMaturityTerm" xlink:href="ibcp-20251231.xsd#ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityOnFixedRateMaturityTerm"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityOnFixedRateMaturityTerm" xlink:to="lab_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityOnFixedRateMaturityTerm" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable_bb6c99ce-3ae1-4c61-8958-9f81c4f2b8e5_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Table]</link:label>
    <link:label id="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable_label_en-US" xlink:label="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:to="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LiabilitiesFairValueDisclosureAbstract_196d52bd-f083-413a-81fd-c3c76d176e16_terseLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities</link:label>
    <link:label id="lab_us-gaap_LiabilitiesFairValueDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities, Fair Value Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:to="lab_us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockCapitalSharesReservedForFutureIssuance_5073e247-86e1-40d0-a182-8d82485936a2_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockCapitalSharesReservedForFutureIssuance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common stock reserved for issuance (in shares)</link:label>
    <link:label id="lab_us-gaap_CommonStockCapitalSharesReservedForFutureIssuance_label_en-US" xlink:label="lab_us-gaap_CommonStockCapitalSharesReservedForFutureIssuance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Capital Shares Reserved for Future Issuance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockCapitalSharesReservedForFutureIssuance" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockCapitalSharesReservedForFutureIssuance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockCapitalSharesReservedForFutureIssuance" xlink:to="lab_us-gaap_CommonStockCapitalSharesReservedForFutureIssuance" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_InterchangeIncome_eb25094c-854f-45a2-9211-e40c94f76cb7_verboseLabel_en-US" xlink:label="lab_ibcp_InterchangeIncome" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Interchange income</link:label>
    <link:label id="lab_ibcp_InterchangeIncome_1d861a63-7e2a-4ac0-b0f7-57dfcbd0ca83_terseLabel_en-US" xlink:label="lab_ibcp_InterchangeIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interchange income</link:label>
    <link:label id="lab_ibcp_InterchangeIncome_label_en-US" xlink:label="lab_ibcp_InterchangeIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interchange Income</link:label>
    <link:label id="lab_ibcp_InterchangeIncome_documentation_en-US" xlink:label="lab_ibcp_InterchangeIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents interchange fees earned on debit card transactions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InterchangeIncome" xlink:href="ibcp-20251231.xsd#ibcp_InterchangeIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_InterchangeIncome" xlink:to="lab_ibcp_InterchangeIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxAssetsGross_9762ff44-475f-4a52-8fa2-fcec9d989f8a_totalLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsGross" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Gross deferred tax assets</link:label>
    <link:label id="lab_us-gaap_DeferredTaxAssetsGross_label_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsGross" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Gross</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsGross" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxAssetsGross"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsGross" xlink:to="lab_us-gaap_DeferredTaxAssetsGross" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MeasurementInputDiscountRateMember_cd1d6205-c43e-43c8-8746-e38351e0ee39_terseLabel_en-US" xlink:label="lab_us-gaap_MeasurementInputDiscountRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discount rate</link:label>
    <link:label id="lab_us-gaap_MeasurementInputDiscountRateMember_label_en-US" xlink:label="lab_us-gaap_MeasurementInputDiscountRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input, Discount Rate [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputDiscountRateMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MeasurementInputDiscountRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MeasurementInputDiscountRateMember" xlink:to="lab_us-gaap_MeasurementInputDiscountRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions_6cce639f-83f8-4618-b085-a575b268d3d1_terseLabel_en-US" xlink:label="lab_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tax benefit realized</link:label>
    <link:label id="lab_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions_label_en-US" xlink:label="lab_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Exercise of Option, Tax Benefit</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions" xlink:to="lab_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSalesIssuancesSettlements_e2e5484b-73f7-46e4-b77b-060730af70bd_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSalesIssuancesSettlements" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Purchases, issuances, settlements, maturities and calls</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSalesIssuancesSettlements_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSalesIssuancesSettlements" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases, (Sales), Issuances, (Settlements)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSalesIssuancesSettlements" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSalesIssuancesSettlements"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSalesIssuancesSettlements" xlink:to="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSalesIssuancesSettlements" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_66c1e1b1-e9bf-4f0b-9663-722edd51fa2f_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Segment Reporting Information</link:label>
    <link:label id="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Segment Reporting Information, by Segment [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:to="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_RegulatoryMattersAbstract_a3742235-7f36-408a-bca3-896988ceb08d_terseLabel_en-US" xlink:label="lab_ibcp_RegulatoryMattersAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">REGULATORY MATTERS [Abstract]</link:label>
    <link:label id="lab_ibcp_RegulatoryMattersAbstract_label_en-US" xlink:label="lab_ibcp_RegulatoryMattersAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Regulatory Matters [Abstract]</link:label>
    <link:label id="lab_ibcp_RegulatoryMattersAbstract_documentation_en-US" xlink:label="lab_ibcp_RegulatoryMattersAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Regulatory Matters [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_RegulatoryMattersAbstract" xlink:href="ibcp-20251231.xsd#ibcp_RegulatoryMattersAbstract"/>
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    <link:label id="lab_ibcp_OtherDepositRelatedIncomeMember_3de84869-a205-4d2d-a951-7282fc11447d_terseLabel_en-US" xlink:label="lab_ibcp_OtherDepositRelatedIncomeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Deposit Related Income</link:label>
    <link:label id="lab_ibcp_OtherDepositRelatedIncomeMember_label_en-US" xlink:label="lab_ibcp_OtherDepositRelatedIncomeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Deposit Related Income [Member]</link:label>
    <link:label id="lab_ibcp_OtherDepositRelatedIncomeMember_documentation_en-US" xlink:label="lab_ibcp_OtherDepositRelatedIncomeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Transaction-based fees, which includes services such as ATM use fees, stop payment charges and ACH fees are recognized at the time the transaction is executed as that is the time we fulfill our customer's request. Account maintenance fees, which includes monthly maintenance services are earned over the course of a month representing the period over which the performance obligation is satisfied.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_OtherDepositRelatedIncomeMember" xlink:href="ibcp-20251231.xsd#ibcp_OtherDepositRelatedIncomeMember"/>
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    <link:label id="lab_us-gaap_TimeDepositMaturitiesYearFive_862f5156-6907-4adc-a9a9-f75f5c7123f8_terseLabel_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesYearFive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2030</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock"/>
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    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_f3437031-ab2c-4357-b0c4-3ac62148cde7_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Loans charged against the allowance</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DebtSecuritiesAvailableForSaleGainLossTaxExpenseBenefit" xlink:href="ibcp-20251231.xsd#ibcp_DebtSecuritiesAvailableForSaleGainLossTaxExpenseBenefit"/>
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    <link:label id="lab_ibcp_FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear_23abd41e-0d2c-46f8-92f4-337b13dc7952_terseLabel_en-US" xlink:label="lab_ibcp_FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued interest, more than five years before current fiscal year</link:label>
    <link:label id="lab_ibcp_FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_ibcp_FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Accrued Interest, More Than Five Years Before Current Fiscal Year</link:label>
    <link:label id="lab_ibcp_FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_ibcp_FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount, before allowance for credit loss, of accrued interest on financing receivable originated more than five years prior to current fiscal year.</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear" xlink:to="lab_ibcp_FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccountingPoliciesAbstract_b2edaae6-0d0b-4773-a440-c13a72d303a0_terseLabel_en-US" xlink:label="lab_us-gaap_AccountingPoliciesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounting Policies [Abstract]</link:label>
    <link:label id="lab_us-gaap_AccountingPoliciesAbstract_label_en-US" xlink:label="lab_us-gaap_AccountingPoliciesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounting Policies [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountingPoliciesAbstract"/>
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    <link:label id="lab_us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions_d70427f0-bb21-4bd5-bee8-d6a045e6ae59_terseLabel_en-US" xlink:label="lab_us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">New loans and advances</link:label>
    <link:label id="lab_us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions_label_en-US" xlink:label="lab_us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans and Leases Receivable, Related Parties, Additions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions" xlink:to="lab_us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock_d92b719a-1156-4595-9acd-33a27cdc5018_terseLabel_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Maturity Analysis of Lease Liabilities</link:label>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock_label_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessee, Operating Lease, Liability, to be Paid, Maturity [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock" xlink:to="lab_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConcentrationRiskTypeDomain_92bf0b80-b9a0-4116-9103-699d9c3b923d_terseLabel_en-US" xlink:label="lab_us-gaap_ConcentrationRiskTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Concentration Risk Type [Domain]</link:label>
    <link:label id="lab_us-gaap_ConcentrationRiskTypeDomain_label_en-US" xlink:label="lab_us-gaap_ConcentrationRiskTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Concentration Risk Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConcentrationRiskTypeDomain" xlink:to="lab_us-gaap_ConcentrationRiskTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FederalReserveBankAdvancesGeneralDebtObligationsAmountOfAvailableUnusedFunds_540058d5-c124-4d30-8abc-cb66661640e6_terseLabel_en-US" xlink:label="lab_ibcp_FederalReserveBankAdvancesGeneralDebtObligationsAmountOfAvailableUnusedFunds" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unused borrowing capacity</link:label>
    <link:label id="lab_ibcp_FederalReserveBankAdvancesGeneralDebtObligationsAmountOfAvailableUnusedFunds_label_en-US" xlink:label="lab_ibcp_FederalReserveBankAdvancesGeneralDebtObligationsAmountOfAvailableUnusedFunds" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Reserve Bank, Advances, General Debt Obligations, Amount of Available, Unused Funds</link:label>
    <link:label id="lab_ibcp_FederalReserveBankAdvancesGeneralDebtObligationsAmountOfAvailableUnusedFunds_documentation_en-US" xlink:label="lab_ibcp_FederalReserveBankAdvancesGeneralDebtObligationsAmountOfAvailableUnusedFunds" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of advances or credit lines available from the Federal Reserve Bank.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FederalReserveBankAdvancesGeneralDebtObligationsAmountOfAvailableUnusedFunds" xlink:href="ibcp-20251231.xsd#ibcp_FederalReserveBankAdvancesGeneralDebtObligationsAmountOfAvailableUnusedFunds"/>
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    <link:label id="lab_us-gaap_IncomeTaxReconciliationNondeductibleExpenseMealsAndEntertainment_4cd9f1b4-552e-44cb-8f32-d95883ab8ea1_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationNondeductibleExpenseMealsAndEntertainment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-deductible meals, entertainment and memberships</link:label>
    <link:label id="lab_us-gaap_IncomeTaxReconciliationNondeductibleExpenseMealsAndEntertainment_label_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationNondeductibleExpenseMealsAndEntertainment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Nondeductible Expense, Meals and Entertainment, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationNondeductibleExpenseMealsAndEntertainment" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxReconciliationNondeductibleExpenseMealsAndEntertainment"/>
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    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_ee66d39f-da00-4513-8696-efaa8dc26e10_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing receivable, year one, originated, current fiscal year</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear"/>
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    <link:label id="lab_ecd_PayVsPerformanceDisclosureLineItems_label_en-US" xlink:label="lab_ecd_PayVsPerformanceDisclosureLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pay vs Performance Disclosure [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PayVsPerformanceDisclosureLineItems"/>
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    <link:label id="lab_srt_MortgageLoansOnRealEstateLoanTypeDomain_b48e871a-b5ed-4dbf-9315-45a9bbd82525_terseLabel_en-US" xlink:label="lab_srt_MortgageLoansOnRealEstateLoanTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">SEC Schedule, 12-29, Real Estate Companies, Investment in Mortgage Loans on Real Estate, Loan Type [Domain]</link:label>
    <link:label id="lab_srt_MortgageLoansOnRealEstateLoanTypeDomain_label_en-US" xlink:label="lab_srt_MortgageLoansOnRealEstateLoanTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">SEC Schedule, 12-29, Real Estate Companies, Investment in Mortgage Loans on Real Estate, Loan Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MortgageLoansOnRealEstateLoanTypeDomain" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MortgageLoansOnRealEstateLoanTypeDomain"/>
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    <link:label id="lab_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_d971309c-8688-41de-bdc4-0d2c04fc2e03_verboseLabel_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Minimum for well-capitalized institutions, ratio</link:label>
    <link:label id="lab_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_label_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Leverage Capital Ratio, Well Capitalized, Minimum</link:label>
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    <link:label id="lab_us-gaap_OperatingLeaseLiability_049f4deb-e3f8-4c0f-bdc1-fc99bea6fb48_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeaseLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Lease liabilities</link:label>
    <link:label id="lab_us-gaap_OperatingLeaseLiability_63dc2020-539b-4729-992b-070978d436ce_verboseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeaseLiability" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_us-gaap_OperatingLeaseLiability_label_en-US" xlink:label="lab_us-gaap_OperatingLeaseLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Lease, Liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiability" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeaseLiability" xlink:to="lab_us-gaap_OperatingLeaseLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_DeferredTaxLiabilitiesDeferredExpenseDeferredLoanOriginationFeesCosts_6da9f851-2fed-433f-b445-9f915fea9d99_terseLabel_en-US" xlink:label="lab_ibcp_DeferredTaxLiabilitiesDeferredExpenseDeferredLoanOriginationFeesCosts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred loan fees</link:label>
    <link:label id="lab_ibcp_DeferredTaxLiabilitiesDeferredExpenseDeferredLoanOriginationFeesCosts_label_en-US" xlink:label="lab_ibcp_DeferredTaxLiabilitiesDeferredExpenseDeferredLoanOriginationFeesCosts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities Deferred Expense Deferred Loan Origination Fees Costs</link:label>
    <link:label id="lab_ibcp_DeferredTaxLiabilitiesDeferredExpenseDeferredLoanOriginationFeesCosts_documentation_en-US" xlink:label="lab_ibcp_DeferredTaxLiabilitiesDeferredExpenseDeferredLoanOriginationFeesCosts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of deferred tax liability attributable to taxable temporary differences from deferred loan origination fees and costs.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DeferredTaxLiabilitiesDeferredExpenseDeferredLoanOriginationFeesCosts" xlink:href="ibcp-20251231.xsd#ibcp_DeferredTaxLiabilitiesDeferredExpenseDeferredLoanOriginationFeesCosts"/>
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    <link:label id="lab_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_3130eb5b-84b3-4334-92af-0c8739a6458c_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">90+ and Still Accruing</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, Equal to or Greater than 90 Days Past Due [Member]</link:label>
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    <link:label id="lab_ibcp_DifferenceInAggregateFairValueAndAggregateRemainingContractualPrincipalBalanceForLoansHeldForSaleTableTextBlock_5edd0ba0-71bc-493d-a14a-6a3e0bacc848_terseLabel_en-US" xlink:label="lab_ibcp_DifferenceInAggregateFairValueAndAggregateRemainingContractualPrincipalBalanceForLoansHeldForSaleTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Aggregate Fair Value and Aggregate Remaining Contractual Principal Balance for Loans Held for Sale</link:label>
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    <link:label id="lab_ibcp_VISAClassB1Member_b9255e83-2cd8-44b1-a36d-65f40d66fed1_terseLabel_en-US" xlink:label="lab_ibcp_VISAClassB1Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">VISA Class B-1 Common Stock</link:label>
    <link:label id="lab_ibcp_VISAClassB1Member_label_en-US" xlink:label="lab_ibcp_VISAClassB1Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">VISA Class B-1 [Member]</link:label>
    <link:label id="lab_ibcp_VISAClassB1Member_documentation_en-US" xlink:label="lab_ibcp_VISAClassB1Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Classification of common stock representing ownership interest in a corporation.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_VISAClassB1Member" xlink:href="ibcp-20251231.xsd#ibcp_VISAClassB1Member"/>
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    <link:label id="lab_us-gaap_TradingActivityByTypeDomain_cfec825e-fef0-4531-8ad0-b84f72fd4c10_terseLabel_en-US" xlink:label="lab_us-gaap_TradingActivityByTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading Activity, by Type</link:label>
    <link:label id="lab_us-gaap_TradingActivityByTypeDomain_label_en-US" xlink:label="lab_us-gaap_TradingActivityByTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Activity, by Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TradingActivityByTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TradingActivityByTypeDomain" xlink:to="lab_us-gaap_TradingActivityByTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityFixedRate_019c752d-d60f-7817-9439-2c6731079998_terseLabel_en-US" xlink:label="lab_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityFixedRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fixed interest rate</link:label>
    <link:label id="lab_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityFixedRate_label_en-US" xlink:label="lab_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityFixedRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contract Disclosure Off Balance Sheet Risks Liability Fixed Rate</link:label>
    <link:label id="lab_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityFixedRate_documentation_en-US" xlink:label="lab_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityFixedRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Contract Disclosure Off Balance Sheet Risks Liability Fixed Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityFixedRate" xlink:href="ibcp-20251231.xsd#ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityFixedRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityFixedRate" xlink:to="lab_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityFixedRate" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FinancingReceivableExcludingAccruedInterestModificationsNonaccrualAmount_1a3dbb5d-1be5-43d3-ac50-28c73e05b40c_terseLabel_en-US" xlink:label="lab_ibcp_FinancingReceivableExcludingAccruedInterestModificationsNonaccrualAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Troubled loan modifications, non-accrual, amount</link:label>
    <link:label id="lab_ibcp_FinancingReceivableExcludingAccruedInterestModificationsNonaccrualAmount_label_en-US" xlink:label="lab_ibcp_FinancingReceivableExcludingAccruedInterestModificationsNonaccrualAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Modifications, Nonaccrual, Amount</link:label>
    <link:label id="lab_ibcp_FinancingReceivableExcludingAccruedInterestModificationsNonaccrualAmount_documentation_en-US" xlink:label="lab_ibcp_FinancingReceivableExcludingAccruedInterestModificationsNonaccrualAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Modifications, Nonaccrual, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableExcludingAccruedInterestModificationsNonaccrualAmount" xlink:href="ibcp-20251231.xsd#ibcp_FinancingReceivableExcludingAccruedInterestModificationsNonaccrualAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FinancingReceivableExcludingAccruedInterestModificationsNonaccrualAmount" xlink:to="lab_ibcp_FinancingReceivableExcludingAccruedInterestModificationsNonaccrualAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FinancingReceivableAllowanceForCreditLossesLossGivenDefaultAssumptionsReversionPeriod_019b4eca-5f5e-7fdc-a031-9c1cba4c65de_terseLabel_en-US" xlink:label="lab_ibcp_FinancingReceivableAllowanceForCreditLossesLossGivenDefaultAssumptionsReversionPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reversion period</link:label>
    <link:label id="lab_ibcp_FinancingReceivableAllowanceForCreditLossesLossGivenDefaultAssumptionsReversionPeriod_label_en-US" xlink:label="lab_ibcp_FinancingReceivableAllowanceForCreditLossesLossGivenDefaultAssumptionsReversionPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance For Credit Losses, Loss Given Default Assumptions, Reversion Period</link:label>
    <link:label id="lab_ibcp_FinancingReceivableAllowanceForCreditLossesLossGivenDefaultAssumptionsReversionPeriod_documentation_en-US" xlink:label="lab_ibcp_FinancingReceivableAllowanceForCreditLossesLossGivenDefaultAssumptionsReversionPeriod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance For Credit Losses, Loss Given Default Assumptions, Reversion Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAllowanceForCreditLossesLossGivenDefaultAssumptionsReversionPeriod" xlink:href="ibcp-20251231.xsd#ibcp_FinancingReceivableAllowanceForCreditLossesLossGivenDefaultAssumptionsReversionPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FinancingReceivableAllowanceForCreditLossesLossGivenDefaultAssumptionsReversionPeriod" xlink:to="lab_ibcp_FinancingReceivableAllowanceForCreditLossesLossGivenDefaultAssumptionsReversionPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_696c6df1-dd29-4998-bf85-1cc06b7cf12e_verboseLabel_en-US" xlink:label="lab_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">REGULATORY MATTERS</link:label>
    <link:label id="lab_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_label_en-US" xlink:label="lab_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Regulatory Capital Requirements under Banking Regulations [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:to="lab_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract_ab816877-f7fc-43f7-b21d-2677ef8c473c_terseLabel_en-US" xlink:label="lab_ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total losses realized and unrealized:</link:label>
    <link:label id="lab_ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract_label_en-US" xlink:label="lab_ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Assets Measured On Recurring Basis Gain Loss Realized And Unrealized [Abstract]</link:label>
    <link:label id="lab_ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract_documentation_en-US" xlink:label="lab_ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair Value Assets Measured On Recurring Basis Gain Loss Realized And Unrealized [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract" xlink:href="ibcp-20251231.xsd#ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract" xlink:to="lab_ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_e04fc26a-6eef-470e-8c72-91a9d329fc8e_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing receivable, year three, originated, two years before current fiscal year</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementOfCashFlowsAbstract_3047f173-1547-41a7-9ea2-80b32143f00b_terseLabel_en-US" xlink:label="lab_us-gaap_StatementOfCashFlowsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statement of Cash Flows [Abstract]</link:label>
    <link:label id="lab_us-gaap_StatementOfCashFlowsAbstract_9480a6da-99b2-4f4d-8b6d-5eddc24893d5_verboseLabel_en-US" xlink:label="lab_us-gaap_StatementOfCashFlowsAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Statement of Cash Flows [Abstract]</link:label>
    <link:label id="lab_us-gaap_StatementOfCashFlowsAbstract_label_en-US" xlink:label="lab_us-gaap_StatementOfCashFlowsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Cash Flows [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfCashFlowsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementOfCashFlowsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract" xlink:to="lab_us-gaap_StatementOfCashFlowsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_CoSelectedMeasureAmt_terseLabel_en-US" xlink:label="lab_ecd_CoSelectedMeasureAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Company Selected Measure Amount</link:label>
    <link:label id="lab_ecd_CoSelectedMeasureAmt_label_en-US" xlink:label="lab_ecd_CoSelectedMeasureAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Company Selected Measure Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CoSelectedMeasureAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_CoSelectedMeasureAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_CoSelectedMeasureAmt" xlink:to="lab_ecd_CoSelectedMeasureAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_b80ddecf-e3d5-48ea-9fde-6efbf24dc958_terseLabel_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2028</link:label>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_label_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessee, Operating Lease, Liability, to be Paid, Year Three</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree" xlink:to="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_788392c8-fcc8-4d25-967a-3448355ccdea_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross charge-offs, five years or more before current</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_b57aadf3-2a26-4090-afca-a778be5e1c4e_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum for well-capitalized institutions, ratio</link:label>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_label_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Risk-Based Capital Ratio, Well Capitalized, Minimum</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets"/>
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    <link:label id="lab_us-gaap_ComprehensiveIncomeNetOfTax_f93c506d-0eaa-4c56-b35f-e6cc48ca28e1_totalLabel_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTax" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Comprehensive income</link:label>
    <link:label id="lab_us-gaap_ComprehensiveIncomeNetOfTax_label_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Comprehensive Income (Loss), Net of Tax, Attributable to Parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax" xlink:to="lab_us-gaap_ComprehensiveIncomeNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_DebtSecuritiesHeldToMaturityTransferUnrealizedLoss_fe4afaf6-c3ec-4b3d-adc1-c0cc74be065d_terseLabel_en-US" xlink:label="lab_ibcp_DebtSecuritiesHeldToMaturityTransferUnrealizedLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt securities held-to-maturity, transferred unrealized loss</link:label>
    <link:label id="lab_ibcp_DebtSecuritiesHeldToMaturityTransferUnrealizedLoss_label_en-US" xlink:label="lab_ibcp_DebtSecuritiesHeldToMaturityTransferUnrealizedLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity, Transfer, Unrealized Loss</link:label>
    <link:label id="lab_ibcp_DebtSecuritiesHeldToMaturityTransferUnrealizedLoss_documentation_en-US" xlink:label="lab_ibcp_DebtSecuritiesHeldToMaturityTransferUnrealizedLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of unrealized loss from transfer of investment from available-for-sale to held-to-maturity debt security measured at amortized cost.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DebtSecuritiesHeldToMaturityTransferUnrealizedLoss" xlink:href="ibcp-20251231.xsd#ibcp_DebtSecuritiesHeldToMaturityTransferUnrealizedLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_DebtSecuritiesHeldToMaturityTransferUnrealizedLoss" xlink:to="lab_ibcp_DebtSecuritiesHeldToMaturityTransferUnrealizedLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MeasurementInputTypeAxis_8c7b2191-c342-4acb-85e8-ab2708393ee0_terseLabel_en-US" xlink:label="lab_us-gaap_MeasurementInputTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Input Type [Axis]</link:label>
    <link:label id="lab_us-gaap_MeasurementInputTypeAxis_label_en-US" xlink:label="lab_us-gaap_MeasurementInputTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MeasurementInputTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MeasurementInputTypeAxis" xlink:to="lab_us-gaap_MeasurementInputTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GainsLossesOnSalesOfAssetsAbstract_01a0c0f4-1f15-44a2-9860-2333e78315ed_terseLabel_en-US" xlink:label="lab_us-gaap_GainsLossesOnSalesOfAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net gains (losses) on assets</link:label>
    <link:label id="lab_us-gaap_GainsLossesOnSalesOfAssetsAbstract_label_en-US" xlink:label="lab_us-gaap_GainsLossesOnSalesOfAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gain (Loss) on Disposition of Assets for Financial Service Operations [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainsLossesOnSalesOfAssetsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GainsLossesOnSalesOfAssetsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GainsLossesOnSalesOfAssetsAbstract" xlink:to="lab_us-gaap_GainsLossesOnSalesOfAssetsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_InterestBearingDepositsWithBanksFairValueDisclosure_6d96e8f0-1cad-40c9-b604-8a665f04782f_verboseLabel_en-US" xlink:label="lab_ibcp_InterestBearingDepositsWithBanksFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Interest bearing deposits</link:label>
    <link:label id="lab_ibcp_InterestBearingDepositsWithBanksFairValueDisclosure_label_en-US" xlink:label="lab_ibcp_InterestBearingDepositsWithBanksFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Bearing Deposits With Banks, Fair Value Disclosure</link:label>
    <link:label id="lab_ibcp_InterestBearingDepositsWithBanksFairValueDisclosure_documentation_en-US" xlink:label="lab_ibcp_InterestBearingDepositsWithBanksFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">For banks and other depository institutions: Fair value disclosure of Interest-bearing deposits in other financial institutions for relatively short periods of time including, for example, certificates of deposits, which are presented separately from cash on the balance sheet, interest-bearing balances with the Federal Reserve Banks.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InterestBearingDepositsWithBanksFairValueDisclosure" xlink:href="ibcp-20251231.xsd#ibcp_InterestBearingDepositsWithBanksFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_InterestBearingDepositsWithBanksFairValueDisclosure" xlink:to="lab_ibcp_InterestBearingDepositsWithBanksFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_MeasureName_terseLabel_en-US" xlink:label="lab_ecd_MeasureName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Name</link:label>
    <link:label id="lab_ecd_MeasureName_label_en-US" xlink:label="lab_ecd_MeasureName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measure Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MeasureName" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_MeasureName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_MeasureName" xlink:to="lab_ecd_MeasureName" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_37a78d2b-7505-4e6c-a448-f047c60f9f4e_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maturing within one year</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:to="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RealEstateOwnedValuationAllowanceProvision1_eef66a14-970e-4086-9e59-e439bb5cafed_verboseLabel_en-US" xlink:label="lab_us-gaap_RealEstateOwnedValuationAllowanceProvision1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Additions charged to expense</link:label>
    <link:label id="lab_us-gaap_RealEstateOwnedValuationAllowanceProvision1_label_en-US" xlink:label="lab_us-gaap_RealEstateOwnedValuationAllowanceProvision1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate Owned, Valuation Allowance, Provision</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateOwnedValuationAllowanceProvision1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealEstateOwnedValuationAllowanceProvision1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RealEstateOwnedValuationAllowanceProvision1" xlink:to="lab_us-gaap_RealEstateOwnedValuationAllowanceProvision1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncreaseDecreaseInDeposits_a54b9ba7-5ed1-41c8-9f1a-0200a6e43ed3_terseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInDeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net increase in total deposits</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInDeposits_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInDeposits" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInDeposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInDeposits" xlink:to="lab_us-gaap_IncreaseDecreaseInDeposits" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_956e107d-11cb-4960-9113-2f6d6b685145_verboseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from maturities, prepayments and calls of securities available for sale</link:label>
    <link:label id="lab_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_label_en-US" xlink:label="lab_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:to="lab_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ClassOfStockLineItems_f76e9abb-d8a7-4a11-a3ff-09a17bd5ef4e_terseLabel_en-US" xlink:label="lab_us-gaap_ClassOfStockLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class of Stock [Line Items]</link:label>
    <link:label id="lab_us-gaap_ClassOfStockLineItems_label_en-US" xlink:label="lab_us-gaap_ClassOfStockLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Stock [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ClassOfStockLineItems" xlink:to="lab_us-gaap_ClassOfStockLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_6f60a60c-c9de-49bb-b05c-4201f2d8e8c7_terseLabel_en-US" xlink:label="lab_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trust preferred</link:label>
    <link:label id="lab_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_label_en-US" xlink:label="lab_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trust Preferred Securities Subject to Mandatory Redemption [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember" xlink:to="lab_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_LoanReceivable1Member_019ca1cb-9537-7571-968b-32ecc2cc6b30_terseLabel_en-US" xlink:label="lab_ibcp_LoanReceivable1Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan Receivable 1</link:label>
    <link:label id="lab_ibcp_LoanReceivable1Member_label_en-US" xlink:label="lab_ibcp_LoanReceivable1Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan Receivable 1 [Member]</link:label>
    <link:label id="lab_ibcp_LoanReceivable1Member_documentation_en-US" xlink:label="lab_ibcp_LoanReceivable1Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loan Receivable 1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_LoanReceivable1Member" xlink:href="ibcp-20251231.xsd#ibcp_LoanReceivable1Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_LoanReceivable1Member" xlink:to="lab_ibcp_LoanReceivable1Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_MortgageLoansServicedForOthersAbstract_ce795ad3-a1f2-43b2-bc20-31eda00a9374_terseLabel_en-US" xlink:label="lab_ibcp_MortgageLoansServicedForOthersAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage Loans Serviced For Others [Abstract]</link:label>
    <link:label id="lab_ibcp_MortgageLoansServicedForOthersAbstract_label_en-US" xlink:label="lab_ibcp_MortgageLoansServicedForOthersAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Loans Serviced For Others [Abstract]</link:label>
    <link:label id="lab_ibcp_MortgageLoansServicedForOthersAbstract_documentation_en-US" xlink:label="lab_ibcp_MortgageLoansServicedForOthersAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage Loans Serviced For Others [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_MortgageLoansServicedForOthersAbstract" xlink:href="ibcp-20251231.xsd#ibcp_MortgageLoansServicedForOthersAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_MortgageLoansServicedForOthersAbstract" xlink:to="lab_ibcp_MortgageLoansServicedForOthersAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_SubstandardAccrual9Member_77e04d47-157b-40dd-ab03-2160c11ddbcd_terseLabel_en-US" xlink:label="lab_ibcp_SubstandardAccrual9Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Substandard Accrual (9)</link:label>
    <link:label id="lab_ibcp_SubstandardAccrual9Member_label_en-US" xlink:label="lab_ibcp_SubstandardAccrual9Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Substandard Accrual 9 [Member]</link:label>
    <link:label id="lab_ibcp_SubstandardAccrual9Member_documentation_en-US" xlink:label="lab_ibcp_SubstandardAccrual9Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">These loans are generally referred to as "substandard accruing" commercial credits. This rating includes loans to borrowers that exhibit a well-defined weakness where payment default is probable and loss is possible if deficiencies are not corrected. Generally, loans with this rating are considered collectible as to both principle and interest primarily due to collateral coverage.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SubstandardAccrual9Member" xlink:href="ibcp-20251231.xsd#ibcp_SubstandardAccrual9Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_SubstandardAccrual9Member" xlink:to="lab_ibcp_SubstandardAccrual9Member" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_LegalEntityAxis_bce41dbc-bf13-40b2-877a-8fd769a429c8_terseLabel_en-US" xlink:label="lab_dei_LegalEntityAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Legal Entity [Axis]</link:label>
    <link:label id="lab_dei_LegalEntityAxis_label_en-US" xlink:label="lab_dei_LegalEntityAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Legal Entity [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_LegalEntityAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_LegalEntityAxis" xlink:to="lab_dei_LegalEntityAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_Assets_5edc23de-b6b6-401c-a4da-21b5de1223b1_totalLabel_en-US" xlink:label="lab_us-gaap_Assets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total Assets</link:label>
    <link:label id="lab_us-gaap_Assets_2894b1c1-ba56-4532-9e46-99df9c481590_terseLabel_en-US" xlink:label="lab_us-gaap_Assets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total assets</link:label>
    <link:label id="lab_us-gaap_Assets_label_en-US" xlink:label="lab_us-gaap_Assets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Assets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Assets" xlink:to="lab_us-gaap_Assets" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_ManufacturingMember_484f6d89-dd71-481b-85ac-cc17ef007194_terseLabel_en-US" xlink:label="lab_ibcp_ManufacturingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Manufacturing</link:label>
    <link:label id="lab_ibcp_ManufacturingMember_label_en-US" xlink:label="lab_ibcp_ManufacturingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Manufacturing [Member]</link:label>
    <link:label id="lab_ibcp_ManufacturingMember_documentation_en-US" xlink:label="lab_ibcp_ManufacturingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Refers to concentration of credit risk to manufacturing.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ManufacturingMember" xlink:href="ibcp-20251231.xsd#ibcp_ManufacturingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_ManufacturingMember" xlink:to="lab_ibcp_ManufacturingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock_797c4f96-2cdd-4181-bb49-3521b82ea5af_terseLabel_en-US" xlink:label="lab_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Statements of Cash Flows</link:label>
    <link:label id="lab_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock_label_en-US" xlink:label="lab_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Cash Flow Statement [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ScheduleOfCondensedCashFlowStatementTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:to="lab_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock_9175324e-cc2c-4307-9e80-0bb0c445d351_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Nonvested Restricted Stock Units Activity</link:label>
    <link:label id="lab_us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Nonvested Restricted Stock Units Activity [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_b93e9019-ebe6-480d-8fa4-20767d1dda04_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Allowance for credit losses</link:label>
    <link:label id="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_label_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Asset, Tax Deferred Expense, Reserve and Accrual, Financing Receivable, Allowance for Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses"/>
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    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_53d86d54-847c-42fe-97a0-079d1eb48e32_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Vested (in dollars per share)</link:label>
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    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentLineItems_a792dd49-873c-4573-a809-2c28d8b0131a_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Credit Quality Indicator [Line Items]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentLineItems_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Credit Quality Indicator [Line Items]</link:label>
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    <link:label id="lab_us-gaap_IncomeTaxPolicyTextBlock_d255ea18-3254-4771-8a69-9d67ebe96849_verboseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">INCOME TAXES</link:label>
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    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward"/>
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    <link:label id="lab_us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract_e935c964-c2ed-4ad0-bd39-2ca47d0952ad_terseLabel_en-US" xlink:label="lab_us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Components of Deferred Tax Assets and Liabilities [Abstract]</link:label>
    <link:label id="lab_us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract_label_en-US" xlink:label="lab_us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Components of Deferred Tax Assets and Liabilities [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract"/>
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    <link:label id="lab_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_019ca1cb-3e9f-7f4c-83fe-34a189fa4b72_terseLabel_en-US" xlink:label="lab_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Receivable Type [Axis]</link:label>
    <link:label id="lab_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_label_en-US" xlink:label="lab_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Receivable Type [Axis]</link:label>
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    <link:label id="lab_us-gaap_ConcentrationRiskByTypeAxis_dbe077b4-a786-47b9-8ba8-10d0ffaeb5d7_terseLabel_en-US" xlink:label="lab_us-gaap_ConcentrationRiskByTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Concentration Risk Type [Axis]</link:label>
    <link:label id="lab_us-gaap_ConcentrationRiskByTypeAxis_label_en-US" xlink:label="lab_us-gaap_ConcentrationRiskByTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Concentration Risk Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskByTypeAxis"/>
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    <link:label id="lab_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_235c1afe-d1d7-4f16-892d-7697643a1105_terseLabel_en-US" xlink:label="lab_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss [Abstract]</link:label>
    <link:label id="lab_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_label_en-US" xlink:label="lab_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesClassifiedAbstract"/>
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    <link:label id="lab_us-gaap_InterestExpenseBorrowings_f9b0fb55-2617-4967-b732-257d80b4ea4c_verboseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseBorrowings" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other borrowings and subordinated debt and debentures</link:label>
    <link:label id="lab_us-gaap_InterestExpenseBorrowings_8058be33-418e-4bc1-b7b3-cc68e350a5e1_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseBorrowings" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other borrowings and subordinated debt and debentures</link:label>
    <link:label id="lab_us-gaap_InterestExpenseBorrowings_label_en-US" xlink:label="lab_us-gaap_InterestExpenseBorrowings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Borrowings</link:label>
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    <link:label id="lab_us-gaap_AssetsFairValueDisclosureAbstract_26ca462e-ec39-4b0d-af1f-15e585dba761_terseLabel_en-US" xlink:label="lab_us-gaap_AssetsFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets</link:label>
    <link:label id="lab_us-gaap_AssetsFairValueDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_AssetsFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets, Fair Value Disclosure [Abstract]</link:label>
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    <link:label id="lab_ibcp_TimeDeposits250000OrMore_a748bbe6-7765-49fd-856d-d49222a368e8_terseLabel_en-US" xlink:label="lab_ibcp_TimeDeposits250000OrMore" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate amount of time deposits of $0.25 million or more</link:label>
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    <link:label id="lab_us-gaap_SubordinatedBorrowingTable_d96b9877-8c8f-4fd4-8926-e388f18c46ee_terseLabel_en-US" xlink:label="lab_us-gaap_SubordinatedBorrowingTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated Borrowing [Table]</link:label>
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    <link:label id="lab_us-gaap_TimeDepositMaturitiesYearTwo_95c9d121-a62f-41c4-b33d-49a0c6a938fb_terseLabel_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesYearTwo" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2027</link:label>
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    <link:label id="lab_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_8a7c7872-4c8b-41a3-a689-914b61064926_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum for adequately capitalized institutions, ratio</link:label>
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    <link:label id="lab_us-gaap_CreditScoreFicoAxis_45b2c7b2-5c71-4f28-80fe-9e0f6a31866b_terseLabel_en-US" xlink:label="lab_us-gaap_CreditScoreFicoAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit Score, FICO [Axis]</link:label>
    <link:label id="lab_us-gaap_CreditScoreFicoAxis_label_en-US" xlink:label="lab_us-gaap_CreditScoreFicoAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Score, FICO [Axis]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
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    <link:label id="lab_us-gaap_IncomeTaxRateReconciliationDeductionsEmployeeStockOwnershipPlanDividends_6a5d9b8e-3a28-4c25-b6e0-d10b0274deb4_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxRateReconciliationDeductionsEmployeeStockOwnershipPlanDividends" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Employee stock ownership plan dividends</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxRateReconciliationDeductionsEmployeeStockOwnershipPlanDividends" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxRateReconciliationDeductionsEmployeeStockOwnershipPlanDividends"/>
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    <link:label id="lab_us-gaap_CommonStockDividendsPerShareDeclared_69c952d9-1c17-4cfe-bfa7-1e820f1e51b4_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockDividendsPerShareDeclared" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash dividends declared (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_CommonStockDividendsPerShareDeclared_d8d51cfb-7b75-439e-b96c-2e8ae4f64f02_verboseLabel_en-US" xlink:label="lab_us-gaap_CommonStockDividendsPerShareDeclared" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Cash Dividends Declared (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_CommonStockDividendsPerShareDeclared_label_en-US" xlink:label="lab_us-gaap_CommonStockDividendsPerShareDeclared" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Dividends, Per Share, Declared</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockDividendsPerShareDeclared" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockDividendsPerShareDeclared"/>
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    <link:label id="lab_dei_EntityCommonStockSharesOutstanding_ec75f54f-e1b9-460d-a3fc-2f87a90d2b3c_terseLabel_en-US" xlink:label="lab_dei_EntityCommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Common Stock, Shares Outstanding</link:label>
    <link:label id="lab_dei_EntityCommonStockSharesOutstanding_label_en-US" xlink:label="lab_dei_EntityCommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Common Stock, Shares Outstanding</link:label>
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    <link:label id="lab_us-gaap_RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability_78cff87a-e128-4fec-b797-cc3872d7831d_terseLabel_en-US" xlink:label="lab_us-gaap_RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Right of use assets obtained in exchange for lease obligations</link:label>
    <link:label id="lab_us-gaap_RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability_label_en-US" xlink:label="lab_us-gaap_RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Right-of-Use Asset Obtained in Exchange for Operating Lease Liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability"/>
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    <link:label id="lab_us-gaap_LeaseCostAbstract_d9c44624-e12a-4604-8d55-35e8d7ec1978_terseLabel_en-US" xlink:label="lab_us-gaap_LeaseCostAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Lease, Cost [Abstract]</link:label>
    <link:label id="lab_us-gaap_LeaseCostAbstract_label_en-US" xlink:label="lab_us-gaap_LeaseCostAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lease, Cost [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseCostAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LeaseCostAbstract"/>
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    <link:label id="lab_ibcp_FinancingReceivableAccruedInterestFourYearsBeforeCurrentFiscalYear_00faa408-fd56-415a-9d91-dafdff4a11ab_terseLabel_en-US" xlink:label="lab_ibcp_FinancingReceivableAccruedInterestFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing receivable, accrued interest, four years before current fiscal year</link:label>
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    <link:label id="lab_ibcp_FinancingReceivableAccruedInterestFourYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_ibcp_FinancingReceivableAccruedInterestFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount, before allowance for credit loss, of accrued interest on financing receivable originated four years prior to current fiscal year.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestFourYearsBeforeCurrentFiscalYear" xlink:href="ibcp-20251231.xsd#ibcp_FinancingReceivableAccruedInterestFourYearsBeforeCurrentFiscalYear"/>
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    <link:label id="lab_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_16a869c1-b788-463f-8ccb-f9f3f58d46d7_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-sale [Line Items]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_label_en-US" xlink:label="lab_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
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    <link:label id="lab_us-gaap_FairValueInputsLevel2Member_0ef92a01-033d-43ad-931c-859c58f9dbf8_verboseLabel_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel2Member" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Significant Other Observable Inputs (Level 2)</link:label>
    <link:label id="lab_us-gaap_FairValueInputsLevel2Member_fbb861c6-3a21-4c17-a2c9-e9b606862202_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel2Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Significant Other Observable Inputs (Level 2)</link:label>
    <link:label id="lab_us-gaap_FairValueInputsLevel2Member_label_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel2Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Inputs, Level 2 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel2Member"/>
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    <link:label id="lab_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_4cd5cfb3-4b16-4d3f-9b6d-09473a051b4a_verboseLabel_en-US" xlink:label="lab_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Maturing after five years but within ten years</link:label>
    <link:label id="lab_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_label_en-US" xlink:label="lab_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10</link:label>
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    <link:label id="lab_dei_DocumentFinStmtErrorCorrectionFlag_1eb5a8e2-5768-48b5-9e6a-d88cd8df20aa_terseLabel_en-US" xlink:label="lab_dei_DocumentFinStmtErrorCorrectionFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Financial Statement Error Correction [Flag]</link:label>
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    <link:label id="lab_us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems_ae740d54-3f58-407e-a5f9-d8392ba00062_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]</link:label>
    <link:label id="lab_us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems_label_en-US" xlink:label="lab_us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, off-Balance-Sheet Risks, Disclosure Information [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems"/>
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    <link:label id="lab_ibcp_MortgageLoanServicingFees_a24586c6-6a54-4236-b487-597e5efc8acc_terseLabel_en-US" xlink:label="lab_ibcp_MortgageLoanServicingFees" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage loan servicing fees</link:label>
    <link:label id="lab_ibcp_MortgageLoanServicingFees_label_en-US" xlink:label="lab_ibcp_MortgageLoanServicingFees" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Loan Servicing Fees</link:label>
    <link:label id="lab_ibcp_MortgageLoanServicingFees_documentation_en-US" xlink:label="lab_ibcp_MortgageLoanServicingFees" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fees from servicing mortgage loans that have been sold.</link:label>
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    <link:label id="lab_us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract_fc4e312f-77b3-4a34-86a9-f67548942969_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Lessee, Operating Lease, Liability, Payment, Due [Abstract]</link:label>
    <link:label id="lab_us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract_label_en-US" xlink:label="lab_us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessee, Operating Lease, Liability, to be Paid, Fiscal Year Maturity [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract"/>
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    <link:label id="lab_us-gaap_ResidentialMortgageMember_a106c1da-9b87-45d0-9a4e-d46f4c49eea4_terseLabel_en-US" xlink:label="lab_us-gaap_ResidentialMortgageMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commercial and industrial</link:label>
    <link:label id="lab_us-gaap_ResidentialMortgageMember_label_en-US" xlink:label="lab_us-gaap_ResidentialMortgageMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Residential Mortgage [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialMortgageMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ResidentialMortgageMember"/>
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    <link:label id="lab_us-gaap_PlanNameAxis_98973b38-69d4-4d73-9964-b6ec301a9fdb_terseLabel_en-US" xlink:label="lab_us-gaap_PlanNameAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Plan Name [Axis]</link:label>
    <link:label id="lab_us-gaap_PlanNameAxis_label_en-US" xlink:label="lab_us-gaap_PlanNameAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Plan Name [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PlanNameAxis"/>
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    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_65183652-b558-46f0-ada3-0f38eeb62e03_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PROPERTY AND EQUIPMENT</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment, Policy [Policy Text Block]</link:label>
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    <link:label id="lab_us-gaap_LossContingencyPendingClaimsNumber_019ca25f-5785-7097-87b4-96f4f348f59e_terseLabel_en-US" xlink:label="lab_us-gaap_LossContingencyPendingClaimsNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of pending claims</link:label>
    <link:label id="lab_us-gaap_LossContingencyPendingClaimsNumber_label_en-US" xlink:label="lab_us-gaap_LossContingencyPendingClaimsNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loss Contingency, Pending Claims, Number</link:label>
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    <link:label id="lab_us-gaap_TierOneLeverageCapital_be9689eb-1653-4bbe-8c4f-e2a0820be06a_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Banking regulation, tier 1 leverage capital, actual</link:label>
    <link:label id="lab_us-gaap_TierOneLeverageCapital_2ab41c2f-585e-4249-a85f-a3bfa73226a1_totalLabel_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapital" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Tier 1 capital</link:label>
    <link:label id="lab_us-gaap_TierOneLeverageCapital_label_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Leverage Capital, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapital" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneLeverageCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneLeverageCapital" xlink:to="lab_us-gaap_TierOneLeverageCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_3905df41-6e23-46e3-aecb-b14e6cc6ab99_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investments Classified by Contractual Maturity Date</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock"/>
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    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_f0bb29b2-6c13-4109-832f-e5d95f06be02_verboseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Income Before Income Tax and Equity in Undistributed Net Income of Subsidiaries</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Continuing Operations before Equity Method Investments, Income Taxes, Noncontrolling Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments"/>
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    <link:label id="lab_us-gaap_IncomeTaxPaidByIndividualJurisdictionLineItems_019c0934-4b8f-733d-b066-59b1750efc42_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxPaidByIndividualJurisdictionLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income Tax Paid, by Individual Jurisdiction [Line Items]</link:label>
    <link:label id="lab_us-gaap_IncomeTaxPaidByIndividualJurisdictionLineItems_label_en-US" xlink:label="lab_us-gaap_IncomeTaxPaidByIndividualJurisdictionLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Tax Paid, by Individual Jurisdiction [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxPaidByIndividualJurisdictionLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxPaidByIndividualJurisdictionLineItems"/>
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    <link:label id="lab_us-gaap_Communication_84c7258e-a922-4174-a14b-b39fcd4b5bf3_terseLabel_en-US" xlink:label="lab_us-gaap_Communication" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Communications</link:label>
    <link:label id="lab_us-gaap_Communication_label_en-US" xlink:label="lab_us-gaap_Communication" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Communication</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Communication" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Communication"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Communication" xlink:to="lab_us-gaap_Communication" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FinancingReceivableRecordedInvestmentNonPerformingLoans_bf30d2f5-5b1a-499a-978a-af95945a5fa6_totalLabel_en-US" xlink:label="lab_ibcp_FinancingReceivableRecordedInvestmentNonPerformingLoans" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total Non- Performing Loans</link:label>
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    <link:label id="lab_ibcp_FinancingReceivableRecordedInvestmentNonPerformingLoans_documentation_en-US" xlink:label="lab_ibcp_FinancingReceivableRecordedInvestmentNonPerformingLoans" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Recorded investment in financing receivables that are past due and are not performing as per the loan agreement at the balance sheet date.</link:label>
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    <link:label id="lab_us-gaap_CommonEquityTierOneCapital_a3662537-911d-4772-94f3-8a2ff5576c65_terseLabel_en-US" xlink:label="lab_us-gaap_CommonEquityTierOneCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actual</link:label>
    <link:label id="lab_us-gaap_CommonEquityTierOneCapital_80f4ed5c-6d4a-4ff0-aec2-2a9c7511e42d_totalLabel_en-US" xlink:label="lab_us-gaap_CommonEquityTierOneCapital" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Common equity tier 1 capital</link:label>
    <link:label id="lab_us-gaap_CommonEquityTierOneCapital_label_en-US" xlink:label="lab_us-gaap_CommonEquityTierOneCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Common Equity Tier 1 Risk-Based Capital, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapital" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonEquityTierOneCapital"/>
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    <link:label id="lab_us-gaap_CommonEquityTierOneCapitalAbstract_9492f9cc-644c-473c-9fe3-3db1f94010b9_terseLabel_en-US" xlink:label="lab_us-gaap_CommonEquityTierOneCapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common equity tier 1 capital to risk-weighted assets</link:label>
    <link:label id="lab_us-gaap_CommonEquityTierOneCapitalAbstract_label_en-US" xlink:label="lab_us-gaap_CommonEquityTierOneCapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Common Equity Tier 1 Risk-Based Capital [Abstract]</link:label>
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    <link:label id="lab_us-gaap_TimeDeposits_52db20bf-d722-448a-b51c-da4749f68fe6_totalLabel_en-US" xlink:label="lab_us-gaap_TimeDeposits" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_us-gaap_TimeDeposits_label_en-US" xlink:label="lab_us-gaap_TimeDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Time Deposits</link:label>
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    <link:label id="lab_ibcp_Family14NonOwnerOccupiedMember_3ace99ae-fb4b-4634-a6d2-ef1c7c81abbd_terseLabel_en-US" xlink:label="lab_ibcp_Family14NonOwnerOccupiedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">1-4 family non-owner occupied</link:label>
    <link:label id="lab_ibcp_Family14NonOwnerOccupiedMember_0f4c4846-092b-4e25-b51f-3484ec14b96c_verboseLabel_en-US" xlink:label="lab_ibcp_Family14NonOwnerOccupiedMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">1-4 family non-owner occupied</link:label>
    <link:label id="lab_ibcp_Family14NonOwnerOccupiedMember_label_en-US" xlink:label="lab_ibcp_Family14NonOwnerOccupiedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Family 1 4, Non-Owner Occupied [Member]</link:label>
    <link:label id="lab_ibcp_Family14NonOwnerOccupiedMember_documentation_en-US" xlink:label="lab_ibcp_Family14NonOwnerOccupiedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Class of financing receivables related to 1-4 family non-owner occupied financing receivables.</link:label>
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    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesFloatingRate_1ba5f1c5-5f1b-496e-a9b3-7d4a7ba70581_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesFloatingRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total variable rate advances, amount</link:label>
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    <link:label id="lab_us-gaap_RetainedEarningsMember_d59e9809-5fa6-4004-ba41-d83f90443f79_terseLabel_en-US" xlink:label="lab_us-gaap_RetainedEarningsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Retained Earnings</link:label>
    <link:label id="lab_us-gaap_RetainedEarningsMember_label_en-US" xlink:label="lab_us-gaap_RetainedEarningsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retained Earnings [Member]</link:label>
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    <link:label id="lab_ibcp_AverageReserveBalanceRequiredToBeMaintained_80ede4d6-0c5e-4c32-8676-47dbea6426c2_terseLabel_en-US" xlink:label="lab_ibcp_AverageReserveBalanceRequiredToBeMaintained" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Average reserve balances maintained</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_AverageReserveBalanceRequiredToBeMaintained" xlink:to="lab_ibcp_AverageReserveBalanceRequiredToBeMaintained" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock_d1620147-edea-4a49-a363-41b45e4fa72f_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Quarterly Financial Information</link:label>
    <link:label id="lab_us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Quarterly Financial Information [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_aec36886-7bd3-498c-a7eb-cb5e96a3bb9a_terseLabel_en-US" xlink:label="lab_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based Payment Arrangement [Abstract]</link:label>
    <link:label id="lab_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_label_en-US" xlink:label="lab_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:to="lab_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_680b1607-163c-4eae-878c-347241a615fa_periodStartLabel_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Cash and Cash Equivalents at Beginning of Year</link:label>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_f3dff025-c3f7-4a9c-81dd-3b3cb28c0070_periodEndLabel_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Cash and Cash Equivalents at End of Year</link:label>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_label_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash, Cash Equivalent, Restricted Cash, and Restricted Cash Equivalent, Continuing Operation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:to="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeStatementAbstract_b02a91e9-b8ed-417f-a628-02bf6c6eeed8_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeStatementAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income Statement [Abstract]</link:label>
    <link:label id="lab_us-gaap_IncomeStatementAbstract_40494424-a936-4b51-bd55-608c85738ea3_verboseLabel_en-US" xlink:label="lab_us-gaap_IncomeStatementAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Income Statement [Abstract]</link:label>
    <link:label id="lab_us-gaap_IncomeStatementAbstract_label_en-US" xlink:label="lab_us-gaap_IncomeStatementAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Statement [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeStatementAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeStatementAbstract" xlink:to="lab_us-gaap_IncomeStatementAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeAssets_e1735588-a3da-4c78-9031-9cf9da354356_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative financial instruments</link:label>
    <link:label id="lab_us-gaap_DerivativeAssets_label_en-US" xlink:label="lab_us-gaap_DerivativeAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeAssets" xlink:to="lab_us-gaap_DerivativeAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_SummaryOfInformationRegardingSubordinatedDebenturesAbstract_bbf92f10-6fe5-40b6-9231-f25070c3f320_terseLabel_en-US" xlink:label="lab_ibcp_SummaryOfInformationRegardingSubordinatedDebenturesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary Of Information Regarding Subordinated Debentures [Abstract]</link:label>
    <link:label id="lab_ibcp_SummaryOfInformationRegardingSubordinatedDebenturesAbstract_label_en-US" xlink:label="lab_ibcp_SummaryOfInformationRegardingSubordinatedDebenturesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Summary Of Information Regarding Subordinated Debentures [Abstract]</link:label>
    <link:label id="lab_ibcp_SummaryOfInformationRegardingSubordinatedDebenturesAbstract_documentation_en-US" xlink:label="lab_ibcp_SummaryOfInformationRegardingSubordinatedDebenturesAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Summary of information regarding subordinated debentures [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SummaryOfInformationRegardingSubordinatedDebenturesAbstract" xlink:href="ibcp-20251231.xsd#ibcp_SummaryOfInformationRegardingSubordinatedDebenturesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_SummaryOfInformationRegardingSubordinatedDebenturesAbstract" xlink:to="lab_ibcp_SummaryOfInformationRegardingSubordinatedDebenturesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_24a6a0e0-2efb-4cc0-bbea-5d6bf56e23af_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt securities, available-for-sale, fair value, twelve months or more</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementsNonrecurringMember_b28a8892-4f32-4f67-9eec-f7dc4addfd77_verboseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementsNonrecurringMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Measured at Fair Value on a Non-recurring Basis:</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementsNonrecurringMember_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementsNonrecurringMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Nonrecurring [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsNonrecurringMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsNonrecurringMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementsNonrecurringMember" xlink:to="lab_us-gaap_FairValueMeasurementsNonrecurringMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesTableTextBlock_dd7a7d4a-06a3-49b6-b014-57c041201ccc_terseLabel_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of Maturity of Time Deposits</link:label>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesTableTextBlock_label_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Time Deposit Maturities [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TimeDepositMaturitiesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TimeDepositMaturitiesTableTextBlock" xlink:to="lab_us-gaap_TimeDepositMaturitiesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAbstract_9a647224-1677-4768-a1cc-f94c5be1aaa9_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAbstract_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAbstract" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_PercentageOfDeclineInNetWorthDuringThePeriod_78ffdb17-7d85-4002-9107-3380ba93a63b_terseLabel_en-US" xlink:label="lab_ibcp_PercentageOfDeclineInNetWorthDuringThePeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of decline in net worth during the period</link:label>
    <link:label id="lab_ibcp_PercentageOfDeclineInNetWorthDuringThePeriod_label_en-US" xlink:label="lab_ibcp_PercentageOfDeclineInNetWorthDuringThePeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Decline In Net Worth During The Period</link:label>
    <link:label id="lab_ibcp_PercentageOfDeclineInNetWorthDuringThePeriod_documentation_en-US" xlink:label="lab_ibcp_PercentageOfDeclineInNetWorthDuringThePeriod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Refers to percentage of decline in net worth during the period for profitability requirement.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_PercentageOfDeclineInNetWorthDuringThePeriod" xlink:href="ibcp-20251231.xsd#ibcp_PercentageOfDeclineInNetWorthDuringThePeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_PercentageOfDeclineInNetWorthDuringThePeriod" xlink:to="lab_ibcp_PercentageOfDeclineInNetWorthDuringThePeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_DepositorAccountsFeesAndCommissions_5674e94d-10f6-4ad2-b48a-7122368b5378_terseLabel_en-US" xlink:label="lab_ibcp_DepositorAccountsFeesAndCommissions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Service charges on deposit accounts</link:label>
    <link:label id="lab_ibcp_DepositorAccountsFeesAndCommissions_label_en-US" xlink:label="lab_ibcp_DepositorAccountsFeesAndCommissions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Depositor Accounts, Fees and Commissions</link:label>
    <link:label id="lab_ibcp_DepositorAccountsFeesAndCommissions_documentation_en-US" xlink:label="lab_ibcp_DepositorAccountsFeesAndCommissions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Includes amounts charged depositors for: (1) maintenance of their accounts (maintenance charges); (2) failure to maintain specified minimum balances on account; (3) exceeding the number of checks or transactions allowed to be processed in a given period; (4) checks drawn on no minimum balance deposit accounts; (5) withdrawals from non-transaction deposit accounts; (6) closing savings accounts before a specified minimum period of time has elapsed; (7) accounts which have remained inactive for extended periods of time or which have become dormant; (8) checks drawn against insufficient funds that the bank assesses regardless of whether it decides to pay, return or hold the check; (9) issuing stop payment orders; (10) certifying checks. This item does not include penalties assessed on the early withdrawal of time deposits.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DepositorAccountsFeesAndCommissions" xlink:href="ibcp-20251231.xsd#ibcp_DepositorAccountsFeesAndCommissions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_DepositorAccountsFeesAndCommissions" xlink:to="lab_ibcp_DepositorAccountsFeesAndCommissions" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill_63cd2672-d5b5-477d-bff9-8e6fb75633e0_terseLabel_en-US" xlink:label="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other intangibles, net</link:label>
    <link:label id="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill_label_en-US" xlink:label="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Intangible Assets, Net (Excluding Goodwill)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:to="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_4eabc862-de40-4d3d-a2bc-8f33df145aee_terseLabel_en-US" xlink:label="lab_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum for Adequately Capitalized Institutions</link:label>
    <link:label id="lab_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_label_en-US" xlink:label="lab_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Common Equity Tier 1 Risk-Based Capital, Capital Adequacy, Minimum</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy" xlink:to="lab_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ProductsAndServicesDomain_1219ae19-7afd-4554-a862-6998d674a8c3_terseLabel_en-US" xlink:label="lab_srt_ProductsAndServicesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Product and Service</link:label>
    <link:label id="lab_srt_ProductsAndServicesDomain_label_en-US" xlink:label="lab_srt_ProductsAndServicesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Product and Service [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ProductsAndServicesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ProductsAndServicesDomain" xlink:to="lab_srt_ProductsAndServicesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_NonWatch16Member_0a2a75c9-ba94-46d4-a670-7749e39c3a36_terseLabel_en-US" xlink:label="lab_ibcp_NonWatch16Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-watch (1-6)</link:label>
    <link:label id="lab_ibcp_NonWatch16Member_label_en-US" xlink:label="lab_ibcp_NonWatch16Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Watch 1-6 [Member]</link:label>
    <link:label id="lab_ibcp_NonWatch16Member_documentation_en-US" xlink:label="lab_ibcp_NonWatch16Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">These loans are generally referred to as "non-watch" commercial credits that include very high or exceptional credit fundamentals through acceptable credit fundamentals.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NonWatch16Member" xlink:href="ibcp-20251231.xsd#ibcp_NonWatch16Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_NonWatch16Member" xlink:to="lab_ibcp_NonWatch16Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesAbstract_80a67895-b4a5-44fb-a0ee-6a8875c13c1c_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-sale [Abstract]</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesAbstract_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract" xlink:to="lab_us-gaap_AvailableForSaleSecuritiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsToAcquireFederalHomeLoanBankStock_63985199-0873-486a-a36c-4c4958b338a2_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireFederalHomeLoanBankStock" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Purchase of Federal Home Loan Bank stock</link:label>
    <link:label id="lab_us-gaap_PaymentsToAcquireFederalHomeLoanBankStock_label_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireFederalHomeLoanBankStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments to Acquire Federal Home Loan Bank Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireFederalHomeLoanBankStock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireFederalHomeLoanBankStock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsToAcquireFederalHomeLoanBankStock" xlink:to="lab_us-gaap_PaymentsToAcquireFederalHomeLoanBankStock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_RestatementDoesNotRequireRecoveryTextBlock_terseLabel_en-US" xlink:label="lab_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restatement does not require Recovery</link:label>
    <link:label id="lab_ecd_RestatementDoesNotRequireRecoveryTextBlock_label_en-US" xlink:label="lab_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restatement Does Not Require Recovery [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_RestatementDoesNotRequireRecoveryTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:to="lab_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxReconciliationTaxExemptIncome_3218591f-af9e-4c13-a1b0-ec610235c64e_negatedLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationTaxExemptIncome" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Tax-exempt interest income</link:label>
    <link:label id="lab_us-gaap_IncomeTaxReconciliationTaxExemptIncome_label_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationTaxExemptIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Tax Exempt Income, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationTaxExemptIncome" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxReconciliationTaxExemptIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxReconciliationTaxExemptIncome" xlink:to="lab_us-gaap_IncomeTaxReconciliationTaxExemptIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxPaidByIndividualJurisdictionTable_019c0934-4b8f-772d-9a86-cf2142a3181a_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxPaidByIndividualJurisdictionTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income Tax Paid, by Individual Jurisdiction [Table]</link:label>
    <link:label id="lab_us-gaap_IncomeTaxPaidByIndividualJurisdictionTable_label_en-US" xlink:label="lab_us-gaap_IncomeTaxPaidByIndividualJurisdictionTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Tax Paid, by Individual Jurisdiction [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxPaidByIndividualJurisdictionTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxPaidByIndividualJurisdictionTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxPaidByIndividualJurisdictionTable" xlink:to="lab_us-gaap_IncomeTaxPaidByIndividualJurisdictionTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_795f0437-13bf-4451-97c3-31feac495e73_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Revolving Loans Amortized Cost Basis</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Revolving</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolving"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_LoanRevenueRecognitionAbstract_475b167f-4d41-4428-a972-ddddc8aec642_terseLabel_en-US" xlink:label="lab_ibcp_LoanRevenueRecognitionAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan Revenue Recognition [Abstract]</link:label>
    <link:label id="lab_ibcp_LoanRevenueRecognitionAbstract_label_en-US" xlink:label="lab_ibcp_LoanRevenueRecognitionAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan Revenue Recognition [Abstract]</link:label>
    <link:label id="lab_ibcp_LoanRevenueRecognitionAbstract_documentation_en-US" xlink:label="lab_ibcp_LoanRevenueRecognitionAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loan Revenue Recognition [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_LoanRevenueRecognitionAbstract" xlink:href="ibcp-20251231.xsd#ibcp_LoanRevenueRecognitionAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_LoanRevenueRecognitionAbstract" xlink:to="lab_ibcp_LoanRevenueRecognitionAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CityAreaCode_43e2b963-f5e0-462d-80ff-f4f9a9857c6b_terseLabel_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">City Area Code</link:label>
    <link:label id="lab_dei_CityAreaCode_label_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">City Area Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_CityAreaCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CityAreaCode" xlink:to="lab_dei_CityAreaCode" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardTmgHowMnpiCnsdrdTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Timing, How MNPI Considered</link:label>
    <link:label id="lab_ecd_AwardTmgHowMnpiCnsdrdTextBlock_label_en-US" xlink:label="lab_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing, How MNPI Considered [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardTmgHowMnpiCnsdrdTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:to="lab_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_66809596-45cf-4b06-95f8-6f3ce9499feb_terseLabel_en-US" xlink:label="lab_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated debentures</link:label>
    <link:label id="lab_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_label_en-US" xlink:label="lab_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" xlink:to="lab_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_f6e0717b-c8a9-43cb-88ca-01416b4acb18_terseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">CASH FLOW USED IN INVESTING ACTIVITIES</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_834e7bd4-cb03-4081-b99d-bd72c8636ea7_verboseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">CASH FLOW USED IN INVESTING ACTIVITIES</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Provided by (Used in) Investing Activity, Including Discontinued Operation [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:to="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PvpTable_terseLabel_en-US" xlink:label="lab_ecd_PvpTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pay vs Performance Disclosure</link:label>
    <link:label id="lab_ecd_PvpTable_label_en-US" xlink:label="lab_ecd_PvpTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pay vs Performance Disclosure [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PvpTable" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PvpTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PvpTable" xlink:to="lab_ecd_PvpTable" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_StandardPoorsARatingMember_e5e26167-97b9-4268-aa4f-e6ce4c29b677_terseLabel_en-US" xlink:label="lab_srt_StandardPoorsARatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">A</link:label>
    <link:label id="lab_srt_StandardPoorsARatingMember_label_en-US" xlink:label="lab_srt_StandardPoorsARatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Standard &amp; Poor's, A Rating [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StandardPoorsARatingMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_StandardPoorsARatingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_StandardPoorsARatingMember" xlink:to="lab_srt_StandardPoorsARatingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList_f44c5d5b-ae8a-4620-b7ac-62f4c604deec_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]</link:label>
    <link:label id="lab_us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList_label_en-US" xlink:label="lab_us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList" xlink:to="lab_us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch_7041bb93-7940-4820-8fc3-91b141b681e9_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Defined contribution plan, employer matching contribution, percent of match</link:label>
    <link:label id="lab_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch_label_en-US" xlink:label="lab_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Contribution Plan, Employer Matching Contribution, Percent of Match</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch" xlink:to="lab_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueHedgingMember_61116615-a83f-4fbf-a620-d6e41dc31e59_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueHedgingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value hedge designation</link:label>
    <link:label id="lab_us-gaap_FairValueHedgingMember_label_en-US" xlink:label="lab_us-gaap_FairValueHedgingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Hedging [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueHedgingMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueHedgingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueHedgingMember" xlink:to="lab_us-gaap_FairValueHedgingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RelatedPartyTransactionsAbstract_b76a0f46-a815-40df-a975-0dd47c139bf2_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Related Party Transactions [Abstract]</link:label>
    <link:label id="lab_us-gaap_RelatedPartyTransactionsAbstract_label_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transactions [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyTransactionsAbstract" xlink:to="lab_us-gaap_RelatedPartyTransactionsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_BankOwnedLifeInsurancesAbstract_5af5d708-b10e-437b-98a5-9fe28cb8d80d_terseLabel_en-US" xlink:label="lab_ibcp_BankOwnedLifeInsurancesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Bank Owned Life Insurance [Abstract]</link:label>
    <link:label id="lab_ibcp_BankOwnedLifeInsurancesAbstract_label_en-US" xlink:label="lab_ibcp_BankOwnedLifeInsurancesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Bank Owned Life Insurances [Abstract]</link:label>
    <link:label id="lab_ibcp_BankOwnedLifeInsurancesAbstract_documentation_en-US" xlink:label="lab_ibcp_BankOwnedLifeInsurancesAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Bank Owned Life Insurances [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_BankOwnedLifeInsurancesAbstract" xlink:href="ibcp-20251231.xsd#ibcp_BankOwnedLifeInsurancesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_BankOwnedLifeInsurancesAbstract" xlink:to="lab_ibcp_BankOwnedLifeInsurancesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LeaseCost_9d6686c2-5337-427a-b52d-d968db9bdb76_totalLabel_en-US" xlink:label="lab_us-gaap_LeaseCost" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_us-gaap_LeaseCost_label_en-US" xlink:label="lab_us-gaap_LeaseCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lease, Cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseCost" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LeaseCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LeaseCost" xlink:to="lab_us-gaap_LeaseCost" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FederalReserveBankAverageBorrowings_0686456c-8dd4-44be-96be-377820b96b81_terseLabel_en-US" xlink:label="lab_ibcp_FederalReserveBankAverageBorrowings" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Average borrowings</link:label>
    <link:label id="lab_ibcp_FederalReserveBankAverageBorrowings_label_en-US" xlink:label="lab_ibcp_FederalReserveBankAverageBorrowings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Reserve Bank, Average Borrowings</link:label>
    <link:label id="lab_ibcp_FederalReserveBankAverageBorrowings_documentation_en-US" xlink:label="lab_ibcp_FederalReserveBankAverageBorrowings" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Refers to the average borrowings amount during the period from the Federal Reserve Bank.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FederalReserveBankAverageBorrowings" xlink:href="ibcp-20251231.xsd#ibcp_FederalReserveBankAverageBorrowings"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FederalReserveBankAverageBorrowings" xlink:to="lab_ibcp_FederalReserveBankAverageBorrowings" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashFlowHedgingMember_1f565042-4210-436e-a4da-7c1ad2a0507f_terseLabel_en-US" xlink:label="lab_us-gaap_CashFlowHedgingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash Flow Hedge Designation</link:label>
    <link:label id="lab_us-gaap_CashFlowHedgingMember_label_en-US" xlink:label="lab_us-gaap_CashFlowHedgingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Flow Hedging [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowHedgingMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashFlowHedgingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashFlowHedgingMember" xlink:to="lab_us-gaap_CashFlowHedgingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherLiabilities_894a05ff-c32c-42a9-9ecb-92201a8809cd_terseLabel_en-US" xlink:label="lab_us-gaap_OtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued expenses and other liabilities</link:label>
    <link:label id="lab_us-gaap_OtherLiabilities_faaf2d4f-2959-49e9-b8ad-970d83153fa3_verboseLabel_en-US" xlink:label="lab_us-gaap_OtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Accrued expenses and other liabilities</link:label>
    <link:label id="lab_us-gaap_OtherLiabilities_label_en-US" xlink:label="lab_us-gaap_OtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherLiabilities" xlink:to="lab_us-gaap_OtherLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_Goodwill_322fdf7a-0b7f-48c6-93ef-85dbe76f99b9_terseLabel_en-US" xlink:label="lab_us-gaap_Goodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Goodwill</link:label>
    <link:label id="lab_us-gaap_Goodwill_label_en-US" xlink:label="lab_us-gaap_Goodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Goodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Goodwill" xlink:to="lab_us-gaap_Goodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LeaseCostTableTextBlock_a0838ce6-d9b7-4e4a-b240-ebf469116705_terseLabel_en-US" xlink:label="lab_us-gaap_LeaseCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Lease, Cost</link:label>
    <link:label id="lab_us-gaap_LeaseCostTableTextBlock_label_en-US" xlink:label="lab_us-gaap_LeaseCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lease, Cost [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseCostTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LeaseCostTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LeaseCostTableTextBlock" xlink:to="lab_us-gaap_LeaseCostTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_CollateralDependentLoansCarryingAmount_32099a94-0f3d-45a3-a7e2-bff26944da09_terseLabel_en-US" xlink:label="lab_ibcp_CollateralDependentLoansCarryingAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collateral dependent loans, carrying amount</link:label>
    <link:label id="lab_ibcp_CollateralDependentLoansCarryingAmount_label_en-US" xlink:label="lab_ibcp_CollateralDependentLoansCarryingAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collateral Dependent Loans, Carrying Amount</link:label>
    <link:label id="lab_ibcp_CollateralDependentLoansCarryingAmount_documentation_en-US" xlink:label="lab_ibcp_CollateralDependentLoansCarryingAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans which are measured for impairment using the fair value of collaterals.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CollateralDependentLoansCarryingAmount" xlink:href="ibcp-20251231.xsd#ibcp_CollateralDependentLoansCarryingAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_CollateralDependentLoansCarryingAmount" xlink:to="lab_ibcp_CollateralDependentLoansCarryingAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_MortgageLoanServicingRightsSoldCapitalizedAmount_102017d1-488c-4b8e-8a37-d361ccc95e87_terseLabel_en-US" xlink:label="lab_ibcp_MortgageLoanServicingRightsSoldCapitalizedAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage loan servicing rights sold, capitalized amount</link:label>
    <link:label id="lab_ibcp_MortgageLoanServicingRightsSoldCapitalizedAmount_label_en-US" xlink:label="lab_ibcp_MortgageLoanServicingRightsSoldCapitalizedAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Loan Servicing Rights, Sold, Capitalized Amount</link:label>
    <link:label id="lab_ibcp_MortgageLoanServicingRightsSoldCapitalizedAmount_documentation_en-US" xlink:label="lab_ibcp_MortgageLoanServicingRightsSoldCapitalizedAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage Loan Servicing Rights, Sold, Capitalized Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_MortgageLoanServicingRightsSoldCapitalizedAmount" xlink:href="ibcp-20251231.xsd#ibcp_MortgageLoanServicingRightsSoldCapitalizedAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_MortgageLoanServicingRightsSoldCapitalizedAmount" xlink:to="lab_ibcp_MortgageLoanServicingRightsSoldCapitalizedAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_PastDuePeriodForModifiedLoans_566f16db-f53e-4761-b524-761545e172a6_terseLabel_en-US" xlink:label="lab_ibcp_PastDuePeriodForModifiedLoans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Past due period for modified loans</link:label>
    <link:label id="lab_ibcp_PastDuePeriodForModifiedLoans_label_en-US" xlink:label="lab_ibcp_PastDuePeriodForModifiedLoans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Past Due Period For Modified Loans</link:label>
    <link:label id="lab_ibcp_PastDuePeriodForModifiedLoans_documentation_en-US" xlink:label="lab_ibcp_PastDuePeriodForModifiedLoans" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The period when loan payment is considered to be in default, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Includes, but not limited to, weeks in a year or quarter.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_PastDuePeriodForModifiedLoans" xlink:href="ibcp-20251231.xsd#ibcp_PastDuePeriodForModifiedLoans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_PastDuePeriodForModifiedLoans" xlink:to="lab_ibcp_PastDuePeriodForModifiedLoans" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConsolidatedEntitiesMember_6e8bc57e-61f4-479f-859e-09b94ed1ec9a_terseLabel_en-US" xlink:label="lab_us-gaap_ConsolidatedEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidated</link:label>
    <link:label id="lab_us-gaap_ConsolidatedEntitiesMember_label_en-US" xlink:label="lab_us-gaap_ConsolidatedEntitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidated Entities [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsolidatedEntitiesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConsolidatedEntitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConsolidatedEntitiesMember" xlink:to="lab_us-gaap_ConsolidatedEntitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_e6bb64dc-49d8-4ee2-9bc5-358593727680_terseLabel_en-US" xlink:label="lab_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]</link:label>
    <link:label id="lab_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_label_en-US" xlink:label="lab_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrecognized Tax Benefits [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward" xlink:to="lab_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_MortgageLoanServicingRightsSoldAmount_401a320c-6173-4cc2-a562-406f900123fd_terseLabel_en-US" xlink:label="lab_ibcp_MortgageLoanServicingRightsSoldAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage loan servicing rights sold</link:label>
    <link:label id="lab_ibcp_MortgageLoanServicingRightsSoldAmount_label_en-US" xlink:label="lab_ibcp_MortgageLoanServicingRightsSoldAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Loan Servicing Rights, Sold, Amount</link:label>
    <link:label id="lab_ibcp_MortgageLoanServicingRightsSoldAmount_documentation_en-US" xlink:label="lab_ibcp_MortgageLoanServicingRightsSoldAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage Loan Servicing Rights, Sold, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_MortgageLoanServicingRightsSoldAmount" xlink:href="ibcp-20251231.xsd#ibcp_MortgageLoanServicingRightsSoldAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_MortgageLoanServicingRightsSoldAmount" xlink:to="lab_ibcp_MortgageLoanServicingRightsSoldAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_InstallmentOtherMember_926da088-c0f0-4734-95fb-1fe0ea8a727e_terseLabel_en-US" xlink:label="lab_ibcp_InstallmentOtherMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_ibcp_InstallmentOtherMember_f78c9166-a5a0-498c-a9f5-ec6cd398ebe4_verboseLabel_en-US" xlink:label="lab_ibcp_InstallmentOtherMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_ibcp_InstallmentOtherMember_label_en-US" xlink:label="lab_ibcp_InstallmentOtherMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Installment Other [Member]</link:label>
    <link:label id="lab_ibcp_InstallmentOtherMember_documentation_en-US" xlink:label="lab_ibcp_InstallmentOtherMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Class of financing receivables related to other installment financing receivables.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentOtherMember" xlink:href="ibcp-20251231.xsd#ibcp_InstallmentOtherMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_InstallmentOtherMember" xlink:to="lab_ibcp_InstallmentOtherMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_AuditorName_44f9367a-2827-4320-bced-625f94836429_terseLabel_en-US" xlink:label="lab_dei_AuditorName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Auditor Name</link:label>
    <link:label id="lab_dei_AuditorName_label_en-US" xlink:label="lab_dei_AuditorName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Auditor Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorName" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_AuditorName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AuditorName" xlink:to="lab_dei_AuditorName" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount_019cb64d-644f-7798-9036-3e9e27a62334_terseLabel_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based compensation</link:label>
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount_label_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Tax Expense (Benefit), Share-Based Payment Arrangement, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount" xlink:to="lab_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccretionExpense_d1d38eb5-1a02-47e5-856f-dea8e25b86d7_terseLabel_en-US" xlink:label="lab_us-gaap_AccretionExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accretion of discount on subordinated debt and debentures</link:label>
    <link:label id="lab_us-gaap_AccretionExpense_label_en-US" xlink:label="lab_us-gaap_AccretionExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accretion Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccretionExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccretionExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccretionExpense" xlink:to="lab_us-gaap_AccretionExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConcentrationRiskTable_2a46b1ce-172d-47d8-8023-80ffe75fa336_terseLabel_en-US" xlink:label="lab_us-gaap_ConcentrationRiskTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Concentration Risk [Table]</link:label>
    <link:label id="lab_us-gaap_ConcentrationRiskTable_label_en-US" xlink:label="lab_us-gaap_ConcentrationRiskTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Concentration Risk [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConcentrationRiskTable" xlink:to="lab_us-gaap_ConcentrationRiskTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate_8451309c-f9a1-454e-837f-93aed3ed9c6e_totalLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total securities available-for-sale, fair value</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate" xlink:to="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EquipmentMember_d5583348-8719-4236-bc41-699cc3de0624_terseLabel_en-US" xlink:label="lab_us-gaap_EquipmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equipment</link:label>
    <link:label id="lab_us-gaap_EquipmentMember_label_en-US" xlink:label="lab_us-gaap_EquipmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equipment [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquipmentMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquipmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquipmentMember" xlink:to="lab_us-gaap_EquipmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromPaymentsForInInterestBearingDepositsInBanks_5c032b51-1c29-4e18-b232-3a8c16a446aa_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromPaymentsForInInterestBearingDepositsInBanks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maturity of interest bearing deposits - time</link:label>
    <link:label id="lab_us-gaap_ProceedsFromPaymentsForInInterestBearingDepositsInBanks_label_en-US" xlink:label="lab_us-gaap_ProceedsFromPaymentsForInInterestBearingDepositsInBanks" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from (Payments for) in Interest-Bearing Deposits in Banks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromPaymentsForInInterestBearingDepositsInBanks" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromPaymentsForInInterestBearingDepositsInBanks"/>
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    <link:label id="lab_us-gaap_SupplementalCashFlowInformationAbstract_836dff1a-6190-4704-88dd-beb3e786ca6b_verboseLabel_en-US" xlink:label="lab_us-gaap_SupplementalCashFlowInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Cash paid during the year for</link:label>
    <link:label id="lab_us-gaap_SupplementalCashFlowInformationAbstract_label_en-US" xlink:label="lab_us-gaap_SupplementalCashFlowInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Supplemental Cash Flow Information [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalCashFlowInformationAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SupplementalCashFlowInformationAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract" xlink:to="lab_us-gaap_SupplementalCashFlowInformationAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_OtherPerfMeasureAmt_terseLabel_en-US" xlink:label="lab_ecd_OtherPerfMeasureAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Performance Measure, Amount</link:label>
    <link:label id="lab_ecd_OtherPerfMeasureAmt_label_en-US" xlink:label="lab_ecd_OtherPerfMeasureAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Performance Measure, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OtherPerfMeasureAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_OtherPerfMeasureAmt"/>
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    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_f1abb26f-4f51-4e80-998a-51da51577037_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward"/>
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    <link:label id="lab_ibcp_DataProcessing_0647fc1b-6f53-47e4-b484-00f6f84ee7b8_verboseLabel_en-US" xlink:label="lab_ibcp_DataProcessing" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Data processing</link:label>
    <link:label id="lab_ibcp_DataProcessing_label_en-US" xlink:label="lab_ibcp_DataProcessing" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Data Processing</link:label>
    <link:label id="lab_ibcp_DataProcessing_documentation_en-US" xlink:label="lab_ibcp_DataProcessing" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of expenses incurred in the period for data processing services and related costs.</link:label>
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    <link:label id="lab_us-gaap_MarketableSecuritiesPolicy_8028feb4-478e-4382-abbc-3de9143c0b29_terseLabel_en-US" xlink:label="lab_us-gaap_MarketableSecuritiesPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">SECURITIES</link:label>
    <link:label id="lab_us-gaap_MarketableSecuritiesPolicy_label_en-US" xlink:label="lab_us-gaap_MarketableSecuritiesPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Marketable Securities, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketableSecuritiesPolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MarketableSecuritiesPolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MarketableSecuritiesPolicy" xlink:to="lab_us-gaap_MarketableSecuritiesPolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_CommonStockClassB1Member_52ed3d3c-6b8e-4bf9-a7e4-510370d4ca52_terseLabel_en-US" xlink:label="lab_ibcp_CommonStockClassB1Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common Stock, Class B-1</link:label>
    <link:label id="lab_ibcp_CommonStockClassB1Member_label_en-US" xlink:label="lab_ibcp_CommonStockClassB1Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Class B-1 [Member]</link:label>
    <link:label id="lab_ibcp_CommonStockClassB1Member_documentation_en-US" xlink:label="lab_ibcp_CommonStockClassB1Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Classification of common stock representing ownership interest in a corporation.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommonStockClassB1Member" xlink:href="ibcp-20251231.xsd#ibcp_CommonStockClassB1Member"/>
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    <link:label id="lab_us-gaap_ForeclosedAssets_3468340a-4d68-4d35-87e8-476c5c02373b_terseLabel_en-US" xlink:label="lab_us-gaap_ForeclosedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other real estate and repossessed assets, net</link:label>
    <link:label id="lab_us-gaap_ForeclosedAssets_label_en-US" xlink:label="lab_us-gaap_ForeclosedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repossessed Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ForeclosedAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ForeclosedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ForeclosedAssets" xlink:to="lab_us-gaap_ForeclosedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_f2fec2f8-3575-4630-9e89-6276c70b9d90_verboseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Amount</link:label>
    <link:label id="lab_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_label_en-US" xlink:label="lab_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Tax Expense (Benefit), Effective Income Tax Rate Reconciliation, Amount [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract"/>
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    <link:label id="lab_us-gaap_RealEstateMember_24657ac0-ca50-4feb-918d-f3b51d5f846f_terseLabel_en-US" xlink:label="lab_us-gaap_RealEstateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Real Estate</link:label>
    <link:label id="lab_us-gaap_RealEstateMember_label_en-US" xlink:label="lab_us-gaap_RealEstateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealEstateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RealEstateMember" xlink:to="lab_us-gaap_RealEstateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect_4ad133fc-e8d0-4fcd-bd3e-453537388a67_totalLabel_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net Increase (Decrease) in Cash and Cash Equivalents</link:label>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect_51bf40fb-c29a-4654-92e6-ba90072fa64f_terseLabel_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net Increase (Decrease) in Cash and Cash Equivalents</link:label>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect_label_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash, Cash Equivalent, Restricted Cash, and Restricted Cash Equivalent, Period Increase (Decrease), Excluding Exchange Rate Effect, Including Discontinued Operation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect"/>
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    <link:label id="lab_us-gaap_DerivativeInstrumentRiskAxis_ec7615f9-7020-4cf8-901e-e6938b83d76b_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentRiskAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Instrument [Axis]</link:label>
    <link:label id="lab_us-gaap_DerivativeInstrumentRiskAxis_label_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentRiskAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instrument [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis" xlink:to="lab_us-gaap_DerivativeInstrumentRiskAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueOfFinancialInstrumentsPolicy_019c751a-a1f6-7354-98b5-c97e793339c1_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueOfFinancialInstrumentsPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FAIR VALUE OF FINANCIAL INSTRUMENTS</link:label>
    <link:label id="lab_us-gaap_FairValueOfFinancialInstrumentsPolicy_label_en-US" xlink:label="lab_us-gaap_FairValueOfFinancialInstrumentsPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value of Financial Instruments, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOfFinancialInstrumentsPolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueOfFinancialInstrumentsPolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueOfFinancialInstrumentsPolicy" xlink:to="lab_us-gaap_FairValueOfFinancialInstrumentsPolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_ce682d08-ae99-43d1-b69f-9212dcbb3a15_verboseLabel_en-US" xlink:label="lab_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Liabilities</link:label>
    <link:label id="lab_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_label_en-US" xlink:label="lab_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Instruments, Financial Liabilities, Balance Sheet Groupings [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:to="lab_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EarningsPerShareReconciliationAbstract_cdeccff0-37e6-4e08-b18f-ce05a90cf76d_terseLabel_en-US" xlink:label="lab_us-gaap_EarningsPerShareReconciliationAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Earnings Per Share Reconciliation [Abstract]</link:label>
    <link:label id="lab_us-gaap_EarningsPerShareReconciliationAbstract_label_en-US" xlink:label="lab_us-gaap_EarningsPerShareReconciliationAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share Reconciliation [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareReconciliationAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareReconciliationAbstract"/>
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    <link:label id="lab_us-gaap_FinancingReceivableUnamortizedLoanCommitmentOriginationFeeAndPremiumDiscount_255f64fa-935a-4e52-b2f8-a6f6f49d230d_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableUnamortizedLoanCommitmentOriginationFeeAndPremiumDiscount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred loan costs</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableUnamortizedLoanCommitmentOriginationFeeAndPremiumDiscount_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableUnamortizedLoanCommitmentOriginationFeeAndPremiumDiscount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Unamortized Loan Cost (Fee) and Purchase Premium (Discount)</link:label>
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    <link:label id="lab_ibcp_ExchangeOfferConversionRatioNonAffiliatedHolder_13410198-a21e-4d39-9d37-60ad09711b74_terseLabel_en-US" xlink:label="lab_ibcp_ExchangeOfferConversionRatioNonAffiliatedHolder" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exchange offer, conversion ratio, non-affiliated holder (in shares)</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ExchangeOfferConversionRatioNonAffiliatedHolder" xlink:href="ibcp-20251231.xsd#ibcp_ExchangeOfferConversionRatioNonAffiliatedHolder"/>
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    <link:label id="lab_dei_EntityDomain_19f30d49-7bda-470d-90b4-e33fb7372e51_terseLabel_en-US" xlink:label="lab_dei_EntityDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity</link:label>
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    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities_05034878-4e0b-4a9c-a1f1-437b847376d9_totalLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net Cash Used In Investing Activities</link:label>
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    <link:label id="lab_us-gaap_OperatingLeaseRightOfUseAsset_0694ceaa-e1ab-40da-b45f-a15ab622c880_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeaseRightOfUseAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Lease right of use asset</link:label>
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    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateContinuingOperations_70e9e25f-fa60-41bd-8b1c-796dc48837de_totalLabel_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Income tax expense</link:label>
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    <link:label id="lab_ibcp_EmployeeCompensationBenefitHealthCareAndLifeInsuranceExpense_16c0e933-3e57-4632-9ba8-0f2c2c686f3c_terseLabel_en-US" xlink:label="lab_ibcp_EmployeeCompensationBenefitHealthCareAndLifeInsuranceExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Health care and life insurance expense</link:label>
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    <link:label id="lab_us-gaap_PlanNameDomain_e71367a0-91cc-4f74-8e95-f05805b140c5_terseLabel_en-US" xlink:label="lab_us-gaap_PlanNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Plan Name</link:label>
    <link:label id="lab_us-gaap_PlanNameDomain_label_en-US" xlink:label="lab_us-gaap_PlanNameDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Plan Name [Domain]</link:label>
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    <link:label id="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_2596529b-e76e-4822-84a2-c3717c524db2_terseLabel_en-US" xlink:label="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based payment arrangement, nonvested award, cost not yet recognized, period for recognition</link:label>
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    <link:label id="lab_us-gaap_RealEstateAbstract_4df7ddac-a877-46bf-b2c2-a54723bf47c8_terseLabel_en-US" xlink:label="lab_us-gaap_RealEstateAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Real Estate [Abstract]</link:label>
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    <link:label id="lab_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_label_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercises in Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:to="lab_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_ResidentialMortgageAndInstallmentPortfolioSegmentMember_cd30f953-4369-4958-9232-0175898f414d_terseLabel_en-US" xlink:label="lab_ibcp_ResidentialMortgageAndInstallmentPortfolioSegmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage and Installment</link:label>
    <link:label id="lab_ibcp_ResidentialMortgageAndInstallmentPortfolioSegmentMember_label_en-US" xlink:label="lab_ibcp_ResidentialMortgageAndInstallmentPortfolioSegmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Residential Mortgage And Installment Portfolio Segment [Member]</link:label>
    <link:label id="lab_ibcp_ResidentialMortgageAndInstallmentPortfolioSegmentMember_documentation_en-US" xlink:label="lab_ibcp_ResidentialMortgageAndInstallmentPortfolioSegmentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Residential Mortgage And Installment Portfolio Segment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ResidentialMortgageAndInstallmentPortfolioSegmentMember" xlink:href="ibcp-20251231.xsd#ibcp_ResidentialMortgageAndInstallmentPortfolioSegmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_ResidentialMortgageAndInstallmentPortfolioSegmentMember" xlink:to="lab_ibcp_ResidentialMortgageAndInstallmentPortfolioSegmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_OtherCollateralLoanMember_0932a89e-5e90-4a9c-a7a3-07284a12df0e_terseLabel_en-US" xlink:label="lab_ibcp_OtherCollateralLoanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_ibcp_OtherCollateralLoanMember_label_en-US" xlink:label="lab_ibcp_OtherCollateralLoanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Collateral Loan [Member]</link:label>
    <link:label id="lab_ibcp_OtherCollateralLoanMember_documentation_en-US" xlink:label="lab_ibcp_OtherCollateralLoanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other loan represents as other collateral loan.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_OtherCollateralLoanMember" xlink:href="ibcp-20251231.xsd#ibcp_OtherCollateralLoanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_OtherCollateralLoanMember" xlink:to="lab_ibcp_OtherCollateralLoanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss_bcf4e65a-f464-4fe2-9dd9-24b825d42b78_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt securities, held-to-maturity, accrued interest, after allowance for credit loss</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity, Accrued Interest, after Allowance for Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss" xlink:to="lab_us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BuildingMember_af0c1068-2cfd-468e-9ded-79c25f4d8f8e_terseLabel_en-US" xlink:label="lab_us-gaap_BuildingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Buildings</link:label>
    <link:label id="lab_us-gaap_BuildingMember_label_en-US" xlink:label="lab_us-gaap_BuildingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Building [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BuildingMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BuildingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BuildingMember" xlink:to="lab_us-gaap_BuildingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativesPolicyTextBlock_d1108d0d-1e4a-4e34-86c9-ec216677cde0_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">DERIVATIVE FINANCIAL INSTRUMENTS</link:label>
    <link:label id="lab_us-gaap_DerivativesPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_DerivativesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivatives, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativesPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativesPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativesPolicyTextBlock" xlink:to="lab_us-gaap_DerivativesPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SegmentReportingDisclosureTextBlock_8f5baeee-c3d4-46b1-ac72-fb055417601e_terseLabel_en-US" xlink:label="lab_us-gaap_SegmentReportingDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">SEGMENT REPORTING</link:label>
    <link:label id="lab_us-gaap_SegmentReportingDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_SegmentReportingDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment Reporting Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentReportingDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentReportingDisclosureTextBlock" xlink:to="lab_us-gaap_SegmentReportingDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_GainLossOnSaleOfCapitalizedMortgageLoanServicingRights_019ca24c-e8f2-7680-b8e8-c9dcd901e819_negatedTerseLabel_en-US" xlink:label="lab_ibcp_GainLossOnSaleOfCapitalizedMortgageLoanServicingRights" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Net loss on sale of capitalized mortgage loan servicing rights</link:label>
    <link:label id="lab_ibcp_GainLossOnSaleOfCapitalizedMortgageLoanServicingRights_label_en-US" xlink:label="lab_ibcp_GainLossOnSaleOfCapitalizedMortgageLoanServicingRights" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gain (Loss) On Sale Of Capitalized Mortgage Loan Servicing Rights</link:label>
    <link:label id="lab_ibcp_GainLossOnSaleOfCapitalizedMortgageLoanServicingRights_documentation_en-US" xlink:label="lab_ibcp_GainLossOnSaleOfCapitalizedMortgageLoanServicingRights" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Gain (Loss) On Sale Of Capitalized Mortgage Loan Servicing Rights</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_GainLossOnSaleOfCapitalizedMortgageLoanServicingRights" xlink:href="ibcp-20251231.xsd#ibcp_GainLossOnSaleOfCapitalizedMortgageLoanServicingRights"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_GainLossOnSaleOfCapitalizedMortgageLoanServicingRights" xlink:to="lab_ibcp_GainLossOnSaleOfCapitalizedMortgageLoanServicingRights" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FinancingReceivableGovernmentGuaranteedLoans_347fc153-bb2b-42e5-91a1-8b52ddf4df0e_terseLabel_en-US" xlink:label="lab_ibcp_FinancingReceivableGovernmentGuaranteedLoans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Government guaranteed loans excluded from non-performing loans</link:label>
    <link:label id="lab_ibcp_FinancingReceivableGovernmentGuaranteedLoans_label_en-US" xlink:label="lab_ibcp_FinancingReceivableGovernmentGuaranteedLoans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Government Guaranteed Loans</link:label>
    <link:label id="lab_ibcp_FinancingReceivableGovernmentGuaranteedLoans_documentation_en-US" xlink:label="lab_ibcp_FinancingReceivableGovernmentGuaranteedLoans" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of financing receivables guaranteed by US Government Authorities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableGovernmentGuaranteedLoans" xlink:href="ibcp-20251231.xsd#ibcp_FinancingReceivableGovernmentGuaranteedLoans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FinancingReceivableGovernmentGuaranteedLoans" xlink:to="lab_ibcp_FinancingReceivableGovernmentGuaranteedLoans" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FICOScore600To649Member_24800499-fa7c-4905-a511-81026fda2df6_terseLabel_en-US" xlink:label="lab_ibcp_FICOScore600To649Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">600-649</link:label>
    <link:label id="lab_ibcp_FICOScore600To649Member_label_en-US" xlink:label="lab_ibcp_FICOScore600To649Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">FICO Score, 600 to 649 [Member]</link:label>
    <link:label id="lab_ibcp_FICOScore600To649Member_documentation_en-US" xlink:label="lab_ibcp_FICOScore600To649Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">From 600 to 649 credit score as defined by the external credit rating agency, Fair Isaac Corporation (FICO). Element name and standard label in FICO Score [numeric lower end] to [numeric higher end] [Member] format.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FICOScore600To649Member" xlink:href="ibcp-20251231.xsd#ibcp_FICOScore600To649Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FICOScore600To649Member" xlink:to="lab_ibcp_FICOScore600To649Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_91a6e0e4-d29a-41f3-ba41-d7f483ce1937_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:to="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NondesignatedMember_6a8f286a-595d-496e-afd0-b7c7d5e0e16b_terseLabel_en-US" xlink:label="lab_us-gaap_NondesignatedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">No hedge designation</link:label>
    <link:label id="lab_us-gaap_NondesignatedMember_label_en-US" xlink:label="lab_us-gaap_NondesignatedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Not Designated as Hedging Instrument [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NondesignatedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NondesignatedMember" xlink:to="lab_us-gaap_NondesignatedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_917f41e1-6c42-4bfe-a479-0e09cda6c6e3_terseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Stockholders' Equity [Roll Forward]</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Stockholders' Equity [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:to="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsLineItems_793d1be9-dbd6-473a-bc05-f4512bdbbed2_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets [Line Items]</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsLineItems_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_DebtInstrumentInterestRateStatedPercentagePeriod_6d4f2499-1c9d-40c9-9bdb-f9effb29219d_terseLabel_en-US" xlink:label="lab_ibcp_DebtInstrumentInterestRateStatedPercentagePeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fixed coupon rate percentage, period</link:label>
    <link:label id="lab_ibcp_DebtInstrumentInterestRateStatedPercentagePeriod_label_en-US" xlink:label="lab_ibcp_DebtInstrumentInterestRateStatedPercentagePeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Interest Rate, Stated Percentage, Period</link:label>
    <link:label id="lab_ibcp_DebtInstrumentInterestRateStatedPercentagePeriod_documentation_en-US" xlink:label="lab_ibcp_DebtInstrumentInterestRateStatedPercentagePeriod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Period of contractual interest rate for funds borrowed, under the debt agreement, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Includes, but not limited to, weeks in a year or quarter.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DebtInstrumentInterestRateStatedPercentagePeriod" xlink:href="ibcp-20251231.xsd#ibcp_DebtInstrumentInterestRateStatedPercentagePeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_DebtInstrumentInterestRateStatedPercentagePeriod" xlink:to="lab_ibcp_DebtInstrumentInterestRateStatedPercentagePeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent_ccebf25f-f4a2-4669-9647-718f14361dcf_totalLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Unrealized gains (losses) recognized in other comprehensive income on derivative instruments, net of tax</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification and Tax, Parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Total Shareholder Return</link:label>
    <link:label id="lab_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock_label_en-US" xlink:label="lab_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Total Shareholder Return [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:to="lab_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_MortgageLoansOnRealEstateServiced_ba3f9249-e617-448c-8404-9c8663c69b99_terseLabel_en-US" xlink:label="lab_ibcp_MortgageLoansOnRealEstateServiced" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans sold and serviced that have had servicing rights capitalized</link:label>
    <link:label id="lab_ibcp_MortgageLoansOnRealEstateServiced_label_en-US" xlink:label="lab_ibcp_MortgageLoansOnRealEstateServiced" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Loans On Real Estate Serviced</link:label>
    <link:label id="lab_ibcp_MortgageLoansOnRealEstateServiced_documentation_en-US" xlink:label="lab_ibcp_MortgageLoansOnRealEstateServiced" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The carrying amount of mortgage loans on real estate that were being serviced for others at period end.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_MortgageLoansOnRealEstateServiced" xlink:href="ibcp-20251231.xsd#ibcp_MortgageLoansOnRealEstateServiced"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_MortgageLoansOnRealEstateServiced" xlink:to="lab_ibcp_MortgageLoansOnRealEstateServiced" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ComprehensiveIncomeNoteTextBlock_f8803aee-f740-401f-be29-8bd10674dddc_terseLabel_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomeNoteTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ACCUMULATED OTHER COMPREHENSIVE LOSS</link:label>
    <link:label id="lab_us-gaap_ComprehensiveIncomeNoteTextBlock_label_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomeNoteTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Comprehensive Income (Loss) Note [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNoteTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComprehensiveIncomeNoteTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ComprehensiveIncomeNoteTextBlock" xlink:to="lab_us-gaap_ComprehensiveIncomeNoteTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_WeightedAverageMember_18666688-8a1e-4dd6-b6f0-8ba23b8169f3_terseLabel_en-US" xlink:label="lab_srt_WeightedAverageMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted Average</link:label>
    <link:label id="lab_srt_WeightedAverageMember_label_en-US" xlink:label="lab_srt_WeightedAverageMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_WeightedAverageMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_WeightedAverageMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_WeightedAverageMember" xlink:to="lab_srt_WeightedAverageMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_132e9028-9b57-4a17-b166-1bb5b7435b9a_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Recurring and Nonrecurring [Table]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Recurring and Nonrecurring [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:to="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AdjustableRateResidentialMortgageMember_988f8641-8647-4f90-83a1-40cc452eec5b_terseLabel_en-US" xlink:label="lab_us-gaap_AdjustableRateResidentialMortgageMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Residential Adjustable Rate Mortgage</link:label>
    <link:label id="lab_us-gaap_AdjustableRateResidentialMortgageMember_label_en-US" xlink:label="lab_us-gaap_AdjustableRateResidentialMortgageMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustable Rate Residential Mortgage [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustableRateResidentialMortgageMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdjustableRateResidentialMortgageMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustableRateResidentialMortgageMember" xlink:to="lab_us-gaap_AdjustableRateResidentialMortgageMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_ScheduleOfOtherMortgageLoansServicesPrincipalBalancesTableTextBlock_70cb7422-8ae4-41c2-95c0-966d52cd17e8_terseLabel_en-US" xlink:label="lab_ibcp_ScheduleOfOtherMortgageLoansServicesPrincipalBalancesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Mortgage Loans Service's Principal Balances</link:label>
    <link:label id="lab_ibcp_ScheduleOfOtherMortgageLoansServicesPrincipalBalancesTableTextBlock_label_en-US" xlink:label="lab_ibcp_ScheduleOfOtherMortgageLoansServicesPrincipalBalancesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Other Mortgage Loans Services Principal Balances [Table Text Block]</link:label>
    <link:label id="lab_ibcp_ScheduleOfOtherMortgageLoansServicesPrincipalBalancesTableTextBlock_documentation_en-US" xlink:label="lab_ibcp_ScheduleOfOtherMortgageLoansServicesPrincipalBalancesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of other mortgage loans service's principal balances.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ScheduleOfOtherMortgageLoansServicesPrincipalBalancesTableTextBlock" xlink:href="ibcp-20251231.xsd#ibcp_ScheduleOfOtherMortgageLoansServicesPrincipalBalancesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_ScheduleOfOtherMortgageLoansServicesPrincipalBalancesTableTextBlock" xlink:to="lab_ibcp_ScheduleOfOtherMortgageLoansServicesPrincipalBalancesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AmortizationOfIntangibleAssets_90c1bf8e-8a2b-4dd4-8c8b-e6980c71843d_terseLabel_en-US" xlink:label="lab_us-gaap_AmortizationOfIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Intangible amortization expense</link:label>
    <link:label id="lab_us-gaap_AmortizationOfIntangibleAssets_label_en-US" xlink:label="lab_us-gaap_AmortizationOfIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amortization of Intangible Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfIntangibleAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AmortizationOfIntangibleAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AmortizationOfIntangibleAssets" xlink:to="lab_us-gaap_AmortizationOfIntangibleAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LesseeLeasesPolicyTextBlock_019c7518-54ea-7777-a562-b27a2b611493_terseLabel_en-US" xlink:label="lab_us-gaap_LesseeLeasesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">LEASES</link:label>
    <link:label id="lab_us-gaap_LesseeLeasesPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_LesseeLeasesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessee, Leases [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeLeasesPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeLeasesPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LesseeLeasesPolicyTextBlock" xlink:to="lab_us-gaap_LesseeLeasesPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_SummaryOfReciprocalDepositsAbstract_9bfe5b2c-097e-4a41-ab5e-eaac01906b3a_verboseLabel_en-US" xlink:label="lab_ibcp_SummaryOfReciprocalDepositsAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Summary of reciprocal deposits [Abstract]</link:label>
    <link:label id="lab_ibcp_SummaryOfReciprocalDepositsAbstract_label_en-US" xlink:label="lab_ibcp_SummaryOfReciprocalDepositsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Summary Of Reciprocal Deposits [Abstract]</link:label>
    <link:label id="lab_ibcp_SummaryOfReciprocalDepositsAbstract_documentation_en-US" xlink:label="lab_ibcp_SummaryOfReciprocalDepositsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Summary of reciprocal deposits [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SummaryOfReciprocalDepositsAbstract" xlink:href="ibcp-20251231.xsd#ibcp_SummaryOfReciprocalDepositsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_SummaryOfReciprocalDepositsAbstract" xlink:to="lab_ibcp_SummaryOfReciprocalDepositsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockRepurchasedDuringPeriodValue_e2a017bd-eed0-4e5a-b1f7-cd1f6eb2e4e4_negatedLabel_en-US" xlink:label="lab_us-gaap_StockRepurchasedDuringPeriodValue" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Repurchase of common stock</link:label>
    <link:label id="lab_us-gaap_StockRepurchasedDuringPeriodValue_cfada23f-ead5-4d6d-8163-8f43b010800a_terseLabel_en-US" xlink:label="lab_us-gaap_StockRepurchasedDuringPeriodValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock repurchased during period, value</link:label>
    <link:label id="lab_us-gaap_StockRepurchasedDuringPeriodValue_label_en-US" xlink:label="lab_us-gaap_StockRepurchasedDuringPeriodValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Repurchased During Period, Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedDuringPeriodValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockRepurchasedDuringPeriodValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockRepurchasedDuringPeriodValue" xlink:to="lab_us-gaap_StockRepurchasedDuringPeriodValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_454995d7-b5de-40a8-a74e-c715564b9a10_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Accumulated Other Comprehensive (Loss)</link:label>
    <link:label id="lab_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_SalesComparisonApproachMember_ac0caac7-b12a-4165-b267-962680a00786_terseLabel_en-US" xlink:label="lab_ibcp_SalesComparisonApproachMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sales comparison approach</link:label>
    <link:label id="lab_ibcp_SalesComparisonApproachMember_label_en-US" xlink:label="lab_ibcp_SalesComparisonApproachMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sales Comparison Approach [Member]</link:label>
    <link:label id="lab_ibcp_SalesComparisonApproachMember_documentation_en-US" xlink:label="lab_ibcp_SalesComparisonApproachMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the sales comparison approach to measure fair value.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SalesComparisonApproachMember" xlink:href="ibcp-20251231.xsd#ibcp_SalesComparisonApproachMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_SalesComparisonApproachMember" xlink:to="lab_ibcp_SalesComparisonApproachMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NonperformingFinancingReceivableMember_f4f362b3-f81d-4acc-8b08-c6be8cc5c05a_terseLabel_en-US" xlink:label="lab_us-gaap_NonperformingFinancingReceivableMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-performing TDR's</link:label>
    <link:label id="lab_us-gaap_NonperformingFinancingReceivableMember_label_en-US" xlink:label="lab_us-gaap_NonperformingFinancingReceivableMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Nonperforming Financial Instruments [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NonperformingFinancingReceivableMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NonperformingFinancingReceivableMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NonperformingFinancingReceivableMember" xlink:to="lab_us-gaap_NonperformingFinancingReceivableMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_DeferredTaxLiabilityLeaseRightOfUseAsset_527892d7-1c55-4918-b2ce-b268f298d616_terseLabel_en-US" xlink:label="lab_ibcp_DeferredTaxLiabilityLeaseRightOfUseAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Lease right of use asset</link:label>
    <link:label id="lab_ibcp_DeferredTaxLiabilityLeaseRightOfUseAsset_label_en-US" xlink:label="lab_ibcp_DeferredTaxLiabilityLeaseRightOfUseAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Liability Lease Right of Use Asset</link:label>
    <link:label id="lab_ibcp_DeferredTaxLiabilityLeaseRightOfUseAsset_documentation_en-US" xlink:label="lab_ibcp_DeferredTaxLiabilityLeaseRightOfUseAsset" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the amount of deferred tax liability lease right of use assets.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DeferredTaxLiabilityLeaseRightOfUseAsset" xlink:href="ibcp-20251231.xsd#ibcp_DeferredTaxLiabilityLeaseRightOfUseAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_DeferredTaxLiabilityLeaseRightOfUseAsset" xlink:to="lab_ibcp_DeferredTaxLiabilityLeaseRightOfUseAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_DeferredTaxLiabilitiesCapitalizedMortgageLoanServicingRights_f8e20da2-8bca-4ab2-81b0-0ce98b7c916a_terseLabel_en-US" xlink:label="lab_ibcp_DeferredTaxLiabilitiesCapitalizedMortgageLoanServicingRights" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Capitalized mortgage loan servicing rights</link:label>
    <link:label id="lab_ibcp_DeferredTaxLiabilitiesCapitalizedMortgageLoanServicingRights_label_en-US" xlink:label="lab_ibcp_DeferredTaxLiabilitiesCapitalizedMortgageLoanServicingRights" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities Capitalized Mortgage Loan Servicing Rights</link:label>
    <link:label id="lab_ibcp_DeferredTaxLiabilitiesCapitalizedMortgageLoanServicingRights_documentation_en-US" xlink:label="lab_ibcp_DeferredTaxLiabilitiesCapitalizedMortgageLoanServicingRights" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of deferred tax liability attributable to taxable temporary differences from capitalized mortgage loan servicing rights.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DeferredTaxLiabilitiesCapitalizedMortgageLoanServicingRights" xlink:href="ibcp-20251231.xsd#ibcp_DeferredTaxLiabilitiesCapitalizedMortgageLoanServicingRights"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_DeferredTaxLiabilitiesCapitalizedMortgageLoanServicingRights" xlink:to="lab_ibcp_DeferredTaxLiabilitiesCapitalizedMortgageLoanServicingRights" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrDuration_terseLabel_en-US" xlink:label="lab_ecd_TrdArrDuration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Arrangement Duration</link:label>
    <link:label id="lab_ecd_TrdArrDuration_label_en-US" xlink:label="lab_ecd_TrdArrDuration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement Duration</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrDuration" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TrdArrDuration"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrDuration" xlink:to="lab_ecd_TrdArrDuration" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueConcentrationOfRiskLoansReceivable_81761a8b-bf57-44bc-9c1d-f9b2865b9bb7_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueConcentrationOfRiskLoansReceivable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value, concentration of risk, loans receivable</link:label>
    <link:label id="lab_us-gaap_FairValueConcentrationOfRiskLoansReceivable_label_en-US" xlink:label="lab_us-gaap_FairValueConcentrationOfRiskLoansReceivable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Concentration of Risk, Loans Receivable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueConcentrationOfRiskLoansReceivable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueConcentrationOfRiskLoansReceivable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueConcentrationOfRiskLoansReceivable" xlink:to="lab_us-gaap_FairValueConcentrationOfRiskLoansReceivable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementBusinessSegmentsAxis_4ddb4987-ac19-4c4f-a276-9c385df1116d_terseLabel_en-US" xlink:label="lab_us-gaap_StatementBusinessSegmentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Segments [Axis]</link:label>
    <link:label id="lab_us-gaap_StatementBusinessSegmentsAxis_label_en-US" xlink:label="lab_us-gaap_StatementBusinessSegmentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segments [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementBusinessSegmentsAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementBusinessSegmentsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementBusinessSegmentsAxis" xlink:to="lab_us-gaap_StatementBusinessSegmentsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FederalReserveBankAmountOutstandingAtEndOfPeriod_3891587a-48b5-44fd-b2c4-e959b16ff82f_terseLabel_en-US" xlink:label="lab_ibcp_FederalReserveBankAmountOutstandingAtEndOfPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FRB</link:label>
    <link:label id="lab_ibcp_FederalReserveBankAmountOutstandingAtEndOfPeriod_label_en-US" xlink:label="lab_ibcp_FederalReserveBankAmountOutstandingAtEndOfPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Reserve Bank, Amount Outstanding At End Of Period</link:label>
    <link:label id="lab_ibcp_FederalReserveBankAmountOutstandingAtEndOfPeriod_documentation_en-US" xlink:label="lab_ibcp_FederalReserveBankAmountOutstandingAtEndOfPeriod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Refers to the outstanding amount borrowed during the period from the Federal Reserve Bank.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FederalReserveBankAmountOutstandingAtEndOfPeriod" xlink:href="ibcp-20251231.xsd#ibcp_FederalReserveBankAmountOutstandingAtEndOfPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FederalReserveBankAmountOutstandingAtEndOfPeriod" xlink:to="lab_ibcp_FederalReserveBankAmountOutstandingAtEndOfPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_AssetsPledgedAsCollateral_03fcfa48-7c1a-48ad-94ba-8b7bf163aaff_terseLabel_en-US" xlink:label="lab_ibcp_AssetsPledgedAsCollateral" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Available for sale and loans, pledged to secure other borrowings</link:label>
    <link:label id="lab_ibcp_AssetsPledgedAsCollateral_label_en-US" xlink:label="lab_ibcp_AssetsPledgedAsCollateral" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets Pledged As Collateral</link:label>
    <link:label id="lab_ibcp_AssetsPledgedAsCollateral_documentation_en-US" xlink:label="lab_ibcp_AssetsPledgedAsCollateral" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Assets, including available for sale securities, pledged to secure borrowings.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AssetsPledgedAsCollateral" xlink:href="ibcp-20251231.xsd#ibcp_AssetsPledgedAsCollateral"/>
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    <link:label id="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_c1f14636-b0e6-492a-b676-0d35f47899c8_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value by Liability Class</link:label>
    <link:label id="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_label_en-US" xlink:label="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value by Liability Class [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain"/>
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    <link:label id="lab_us-gaap_DeferredTaxAssetsDerivativeInstruments_9eaf4193-d57e-4ab7-8b4e-c7186b26deaa_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsDerivativeInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unrealized loss on derivative financial instruments</link:label>
    <link:label id="lab_us-gaap_DeferredTaxAssetsDerivativeInstruments_label_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsDerivativeInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Derivative Instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsDerivativeInstruments" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxAssetsDerivativeInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsDerivativeInstruments" xlink:to="lab_us-gaap_DeferredTaxAssetsDerivativeInstruments" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_LocalPhoneNumber_53b5a7d0-3b73-4d8f-9905-5a8962307950_terseLabel_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Local Phone Number</link:label>
    <link:label id="lab_dei_LocalPhoneNumber_label_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Local Phone Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_LocalPhoneNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_LocalPhoneNumber" xlink:to="lab_dei_LocalPhoneNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_Additional402vDisclosureTextBlock_terseLabel_en-US" xlink:label="lab_ecd_Additional402vDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additional 402(v) Disclosure</link:label>
    <link:label id="lab_ecd_Additional402vDisclosureTextBlock_label_en-US" xlink:label="lab_ecd_Additional402vDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additional 402(v) Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Additional402vDisclosureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_Additional402vDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_Additional402vDisclosureTextBlock" xlink:to="lab_ecd_Additional402vDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SharePrice_70a8cb39-1a3e-4b13-a3c4-cdda079e9794_terseLabel_en-US" xlink:label="lab_us-gaap_SharePrice" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Closing price (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_SharePrice_label_en-US" xlink:label="lab_us-gaap_SharePrice" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Price</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharePrice" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SharePrice"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharePrice" xlink:to="lab_us-gaap_SharePrice" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock_0445057e-edd8-4f97-96aa-3784240a2528_verboseLabel_en-US" xlink:label="lab_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">SHARE BASED COMPENSATION AND BENEFIT PLANS</link:label>
    <link:label id="lab_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock_label_en-US" xlink:label="lab_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:to="lab_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear_9d70ef32-9313-4c90-a1de-814cb60756bd_terseLabel_en-US" xlink:label="lab_ibcp_FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued interest, three years before current fiscal year</link:label>
    <link:label id="lab_ibcp_FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_ibcp_FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Accrued Interest, Three Years Before Current Fiscal Year</link:label>
    <link:label id="lab_ibcp_FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_ibcp_FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount, before allowance for credit loss, of accrued interest on financing receivable originated three years prior to current fiscal year.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear" xlink:href="ibcp-20251231.xsd#ibcp_FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear" xlink:to="lab_ibcp_FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_PercentageOfRevenueExcludedFromASU201409_ef037aac-2c4e-47d1-b1b8-635863f1e18d_terseLabel_en-US" xlink:label="lab_ibcp_PercentageOfRevenueExcludedFromASU201409" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of revenues excluded from ASC Topic 606</link:label>
    <link:label id="lab_ibcp_PercentageOfRevenueExcludedFromASU201409_label_en-US" xlink:label="lab_ibcp_PercentageOfRevenueExcludedFromASU201409" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Revenue Excluded From ASU 2014-09</link:label>
    <link:label id="lab_ibcp_PercentageOfRevenueExcludedFromASU201409_documentation_en-US" xlink:label="lab_ibcp_PercentageOfRevenueExcludedFromASU201409" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percentage of the entity's revenue excluded from the scope of ASU 2014-09.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_PercentageOfRevenueExcludedFromASU201409" xlink:href="ibcp-20251231.xsd#ibcp_PercentageOfRevenueExcludedFromASU201409"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_PercentageOfRevenueExcludedFromASU201409" xlink:to="lab_ibcp_PercentageOfRevenueExcludedFromASU201409" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetsAbstract_a42b5bdf-82cf-4517-bc4b-7c9974c95cb9_verboseLabel_en-US" xlink:label="lab_us-gaap_AssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Assets</link:label>
    <link:label id="lab_us-gaap_AssetsAbstract_d38335bc-c609-46e6-a53c-ebab0ecd731b_terseLabel_en-US" xlink:label="lab_us-gaap_AssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets</link:label>
    <link:label id="lab_us-gaap_AssetsAbstract_label_en-US" xlink:label="lab_us-gaap_AssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetsAbstract" xlink:to="lab_us-gaap_AssetsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_DeferredTaxAssetsLossReimbursementOnSoldLoansReserve_27b1e0d6-a216-44e2-a147-b5832a4a9989_terseLabel_en-US" xlink:label="lab_ibcp_DeferredTaxAssetsLossReimbursementOnSoldLoansReserve" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loss reimbursement on sold loans reserve</link:label>
    <link:label id="lab_ibcp_DeferredTaxAssetsLossReimbursementOnSoldLoansReserve_label_en-US" xlink:label="lab_ibcp_DeferredTaxAssetsLossReimbursementOnSoldLoansReserve" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Loss Reimbursement On Sold Loans Reserve</link:label>
    <link:label id="lab_ibcp_DeferredTaxAssetsLossReimbursementOnSoldLoansReserve_documentation_en-US" xlink:label="lab_ibcp_DeferredTaxAssetsLossReimbursementOnSoldLoansReserve" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from loss reimbursement on sold loans reserve.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DeferredTaxAssetsLossReimbursementOnSoldLoansReserve" xlink:href="ibcp-20251231.xsd#ibcp_DeferredTaxAssetsLossReimbursementOnSoldLoansReserve"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_DeferredTaxAssetsLossReimbursementOnSoldLoansReserve" xlink:to="lab_ibcp_DeferredTaxAssetsLossReimbursementOnSoldLoansReserve" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate_019c08a1-46c9-7817-b588-2cd8144d5b6c_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Advances year two, rate</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advance, Maturity, Average Interest Rate, Year Two</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax_28fa0316-e87d-4d44-ab84-bcde535ff68e_totalLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Unrealized gains recognized in other comprehensive income on securities available for sale</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment, before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax"/>
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    <link:label id="lab_ecd_UndrlygSecurityMktPriceChngPct_terseLabel_en-US" xlink:label="lab_ecd_UndrlygSecurityMktPriceChngPct" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Underlying Security Market Price Change</link:label>
    <link:label id="lab_ecd_UndrlygSecurityMktPriceChngPct_label_en-US" xlink:label="lab_ecd_UndrlygSecurityMktPriceChngPct" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Underlying Security Market Price Change, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_UndrlygSecurityMktPriceChngPct" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_UndrlygSecurityMktPriceChngPct"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_UndrlygSecurityMktPriceChngPct" xlink:to="lab_ecd_UndrlygSecurityMktPriceChngPct" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoansAndLeasesReceivableRelatedParties_fbbe37cc-8de5-45ad-9cd3-5831bcf1f93e_periodStartLabel_en-US" xlink:label="lab_us-gaap_LoansAndLeasesReceivableRelatedParties" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Balance at beginning of year</link:label>
    <link:label id="lab_us-gaap_LoansAndLeasesReceivableRelatedParties_7b24acb9-a37f-4a1f-a5f3-526a9e726392_periodEndLabel_en-US" xlink:label="lab_us-gaap_LoansAndLeasesReceivableRelatedParties" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Balance at end of year</link:label>
    <link:label id="lab_us-gaap_LoansAndLeasesReceivableRelatedParties_label_en-US" xlink:label="lab_us-gaap_LoansAndLeasesReceivableRelatedParties" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans and Leases Receivable, Related Parties</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansAndLeasesReceivableRelatedParties" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansAndLeasesReceivableRelatedParties"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansAndLeasesReceivableRelatedParties" xlink:to="lab_us-gaap_LoansAndLeasesReceivableRelatedParties" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_67ba3dc2-d79f-4f6a-a07b-236c8501a597_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forfeited (in dollars per share)</link:label>
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    <link:label id="lab_us-gaap_LoansAndLeasesReceivableRelatedPartiesProceeds_c34dd65c-b5aa-4fcb-af31-57183c2d0c82_negatedLabel_en-US" xlink:label="lab_us-gaap_LoansAndLeasesReceivableRelatedPartiesProceeds" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Repayments</link:label>
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    <link:label id="lab_us-gaap_IntangibleAssetsNetExcludingGoodwillAbstract_f48fb0c6-ba81-4d54-a056-2de40f96ec31_terseLabel_en-US" xlink:label="lab_us-gaap_IntangibleAssetsNetExcludingGoodwillAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Intangible Assets, Net (Excluding Goodwill) [Abstract]</link:label>
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    <link:label id="lab_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths_d475666f-2492-4cba-919c-5acd35350d61_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Cash flow hedge gain (loss) to be reclassified within 12 months</link:label>
    <link:label id="lab_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths_label_en-US" xlink:label="lab_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Flow Hedge Gain (Loss) to be Reclassified within 12 Months</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths" xlink:to="lab_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_StkPrcOrTsrEstimationMethodTextBlock_terseLabel_en-US" xlink:label="lab_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock Price or TSR Estimation Method</link:label>
    <link:label id="lab_ecd_StkPrcOrTsrEstimationMethodTextBlock_label_en-US" xlink:label="lab_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Price or TSR Estimation Method [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_StkPrcOrTsrEstimationMethodTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:to="lab_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_ef47fb26-824b-4ff1-9f2c-bdd9eaf239a2_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum for well-capitalized institutions, ratio</link:label>
    <link:label id="lab_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_label_en-US" xlink:label="lab_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Total Risk-Based Capital Ratio, Well Capitalized, Minimum</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:to="lab_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherRealEstateRollForward_e00708a5-0248-4976-8e1a-03feff36c95c_terseLabel_en-US" xlink:label="lab_us-gaap_OtherRealEstateRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Real Estate [Roll Forward]</link:label>
    <link:label id="lab_us-gaap_OtherRealEstateRollForward_label_en-US" xlink:label="lab_us-gaap_OtherRealEstateRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Real Estate [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherRealEstateRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherRealEstateRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherRealEstateRollForward" xlink:to="lab_us-gaap_OtherRealEstateRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_InterestExpenseDepositLiabilitiesReciprocalDeposit_36ee83f8-dca0-4825-abe6-a6c22989f6ef_terseLabel_en-US" xlink:label="lab_ibcp_InterestExpenseDepositLiabilitiesReciprocalDeposit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reciprocal</link:label>
    <link:label id="lab_ibcp_InterestExpenseDepositLiabilitiesReciprocalDeposit_label_en-US" xlink:label="lab_ibcp_InterestExpenseDepositLiabilitiesReciprocalDeposit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Deposit Liabilities, Reciprocal Deposit</link:label>
    <link:label id="lab_ibcp_InterestExpenseDepositLiabilitiesReciprocalDeposit_documentation_en-US" xlink:label="lab_ibcp_InterestExpenseDepositLiabilitiesReciprocalDeposit" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest expense incurred on reciprocal deposit liabilities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InterestExpenseDepositLiabilitiesReciprocalDeposit" xlink:href="ibcp-20251231.xsd#ibcp_InterestExpenseDepositLiabilitiesReciprocalDeposit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_InterestExpenseDepositLiabilitiesReciprocalDeposit" xlink:to="lab_ibcp_InterestExpenseDepositLiabilitiesReciprocalDeposit" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TradingActivityByTypeAxis_63dd7e03-2bf7-4a04-99ec-a27a95fb20bf_terseLabel_en-US" xlink:label="lab_us-gaap_TradingActivityByTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading Activity [Axis]</link:label>
    <link:label id="lab_us-gaap_TradingActivityByTypeAxis_label_en-US" xlink:label="lab_us-gaap_TradingActivityByTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Activity [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TradingActivityByTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TradingActivityByTypeAxis" xlink:to="lab_us-gaap_TradingActivityByTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_LoanReceivable2Member_019ca1cc-2dfb-7893-bc2f-1a2389975d4e_terseLabel_en-US" xlink:label="lab_ibcp_LoanReceivable2Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan Receivable 2</link:label>
    <link:label id="lab_ibcp_LoanReceivable2Member_label_en-US" xlink:label="lab_ibcp_LoanReceivable2Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan Receivable 2 [Member]</link:label>
    <link:label id="lab_ibcp_LoanReceivable2Member_documentation_en-US" xlink:label="lab_ibcp_LoanReceivable2Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loan Receivable 2</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_LoanReceivable2Member" xlink:href="ibcp-20251231.xsd#ibcp_LoanReceivable2Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_LoanReceivable2Member" xlink:to="lab_ibcp_LoanReceivable2Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FederalHomeLoanBankFHLBMember_b8143195-b003-4a12-b9c5-3071b96375fd_terseLabel_en-US" xlink:label="lab_ibcp_FederalHomeLoanBankFHLBMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FHLB</link:label>
    <link:label id="lab_ibcp_FederalHomeLoanBankFHLBMember_label_en-US" xlink:label="lab_ibcp_FederalHomeLoanBankFHLBMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank (FHLB) [Member]</link:label>
    <link:label id="lab_ibcp_FederalHomeLoanBankFHLBMember_documentation_en-US" xlink:label="lab_ibcp_FederalHomeLoanBankFHLBMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Refers to loans serviced for the federal home loan bank (FHLB).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FederalHomeLoanBankFHLBMember" xlink:href="ibcp-20251231.xsd#ibcp_FederalHomeLoanBankFHLBMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FederalHomeLoanBankFHLBMember" xlink:to="lab_ibcp_FederalHomeLoanBankFHLBMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_e0cd4313-6e40-433a-9aea-d655bb5ecd5b_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt securities, available-for-sale, unrealized loss position, number of positions</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Unrealized Loss Position, Number of Positions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DepositsAbstract_71422f63-801a-4e06-95fd-3243baf8c62e_verboseLabel_en-US" xlink:label="lab_us-gaap_DepositsAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Deposits</link:label>
    <link:label id="lab_us-gaap_DepositsAbstract_8cb56668-a700-4542-8320-efe040d5716a_terseLabel_en-US" xlink:label="lab_us-gaap_DepositsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits [Abstract]</link:label>
    <link:label id="lab_us-gaap_DepositsAbstract_label_en-US" xlink:label="lab_us-gaap_DepositsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepositsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DepositsAbstract" xlink:to="lab_us-gaap_DepositsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancialAssetPastDueMember_e723ce72-a8a2-4c96-900d-1aa8790f2fd0_terseLabel_en-US" xlink:label="lab_us-gaap_FinancialAssetPastDueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Asset, Past Due</link:label>
    <link:label id="lab_us-gaap_FinancialAssetPastDueMember_label_en-US" xlink:label="lab_us-gaap_FinancialAssetPastDueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, Past Due [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetPastDueMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialAssetPastDueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancialAssetPastDueMember" xlink:to="lab_us-gaap_FinancialAssetPastDueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_ReciprocalDepositsIncludedInDepositsWithNoStatedMaturity_add506ba-1f02-4722-a644-7284b9b654fc_terseLabel_en-US" xlink:label="lab_ibcp_ReciprocalDepositsIncludedInDepositsWithNoStatedMaturity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reciprocal deposits included in deposits with no stated maturity</link:label>
    <link:label id="lab_ibcp_ReciprocalDepositsIncludedInDepositsWithNoStatedMaturity_label_en-US" xlink:label="lab_ibcp_ReciprocalDepositsIncludedInDepositsWithNoStatedMaturity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reciprocal Deposits Included In Deposits, With No Stated Maturity</link:label>
    <link:label id="lab_ibcp_ReciprocalDepositsIncludedInDepositsWithNoStatedMaturity_documentation_en-US" xlink:label="lab_ibcp_ReciprocalDepositsIncludedInDepositsWithNoStatedMaturity" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Total amount of reciprocal deposits included in deposits with no stated maturity.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ReciprocalDepositsIncludedInDepositsWithNoStatedMaturity" xlink:href="ibcp-20251231.xsd#ibcp_ReciprocalDepositsIncludedInDepositsWithNoStatedMaturity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_ReciprocalDepositsIncludedInDepositsWithNoStatedMaturity" xlink:to="lab_ibcp_ReciprocalDepositsIncludedInDepositsWithNoStatedMaturity" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ServicingAssetAtFairValueAmount_2c80f8cc-1db9-4d30-ad91-7c900a767e6a_verboseLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetAtFairValueAmount" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Capitalized mortgage loan servicing rights, carried at fair value</link:label>
    <link:label id="lab_us-gaap_ServicingAssetAtFairValueAmount_269f5667-aafd-40a7-a667-dbc55b80404b_periodStartLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetAtFairValueAmount" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Balance at beginning of period</link:label>
    <link:label id="lab_us-gaap_ServicingAssetAtFairValueAmount_710c86ac-c47a-4ad6-badc-753db4d6908c_periodEndLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetAtFairValueAmount" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Balance at end of year</link:label>
    <link:label id="lab_us-gaap_ServicingAssetAtFairValueAmount_label_en-US" xlink:label="lab_us-gaap_ServicingAssetAtFairValueAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Asset at Fair Value, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmount" xlink:to="lab_us-gaap_ServicingAssetAtFairValueAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_91cc7edd-841a-4bfb-9f23-08d5384ed7fc_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Granted (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_EffectiveIncomeTaxRateReconciliationNontaxableBankOwnedLifeInsuranceAmount_5a216e32-ddbe-45b5-9a8d-792b04de91e9_negatedTerseLabel_en-US" xlink:label="lab_ibcp_EffectiveIncomeTaxRateReconciliationNontaxableBankOwnedLifeInsuranceAmount" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Bank owned life insurance</link:label>
    <link:label id="lab_ibcp_EffectiveIncomeTaxRateReconciliationNontaxableBankOwnedLifeInsuranceAmount_label_en-US" xlink:label="lab_ibcp_EffectiveIncomeTaxRateReconciliationNontaxableBankOwnedLifeInsuranceAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Nontaxable, Bank Owned Life Insurance, Amount</link:label>
    <link:label id="lab_ibcp_EffectiveIncomeTaxRateReconciliationNontaxableBankOwnedLifeInsuranceAmount_documentation_en-US" xlink:label="lab_ibcp_EffectiveIncomeTaxRateReconciliationNontaxableBankOwnedLifeInsuranceAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to the tax effect of Bank Owned Life Insurance.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_EffectiveIncomeTaxRateReconciliationNontaxableBankOwnedLifeInsuranceAmount" xlink:href="ibcp-20251231.xsd#ibcp_EffectiveIncomeTaxRateReconciliationNontaxableBankOwnedLifeInsuranceAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_EffectiveIncomeTaxRateReconciliationNontaxableBankOwnedLifeInsuranceAmount" xlink:to="lab_ibcp_EffectiveIncomeTaxRateReconciliationNontaxableBankOwnedLifeInsuranceAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_RestatementDateAxis_terseLabel_en-US" xlink:label="lab_ecd_RestatementDateAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restatement Determination Date:</link:label>
    <link:label id="lab_ecd_RestatementDateAxis_label_en-US" xlink:label="lab_ecd_RestatementDateAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restatement Determination Date [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDateAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_RestatementDateAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_RestatementDateAxis" xlink:to="lab_ecd_RestatementDateAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract_c75d98c1-8882-429a-8111-eeeafae1ad15_verboseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Securities available for sale</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment, before Tax [Abstract]</link:label>
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    <link:label id="lab_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation_511b5e70-e075-4e4a-9bfa-91cf695e892b_verboseLabel_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Share based compensation</link:label>
    <link:label id="lab_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation_label_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Shares Issued, Value, Share-Based Payment Arrangement, after Forfeiture</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation"/>
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    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_3e871259-a075-489e-b4dc-ee7c816fbbbb_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss) [Table]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable"/>
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    <link:label id="lab_ibcp_BankOwnedLifeInsurancePolicyTextBlock_35c40e9c-6478-42c6-aaa6-59c586da72cc_terseLabel_en-US" xlink:label="lab_ibcp_BankOwnedLifeInsurancePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">BANK OWNED LIFE INSURANCE</link:label>
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    <link:label id="lab_ibcp_OtherMember_2f9567e0-0285-4eee-bcc7-ea3809947b8f_terseLabel_en-US" xlink:label="lab_ibcp_OtherMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
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    <link:label id="lab_ibcp_OtherMember_documentation_en-US" xlink:label="lab_ibcp_OtherMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other deposit related income.</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_OtherMember" xlink:to="lab_ibcp_OtherMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrIndName_terseLabel_en-US" xlink:label="lab_ecd_TrdArrIndName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Name</link:label>
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    <link:label id="lab_ibcp_AddDeductAbstract_93b04541-1c15-4649-a3bd-48828c552c22_terseLabel_en-US" xlink:label="lab_ibcp_AddDeductAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Add (deduct)</link:label>
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    <link:label id="lab_ibcp_AddDeductAbstract_documentation_en-US" xlink:label="lab_ibcp_AddDeductAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Add (deduct) [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AddDeductAbstract" xlink:href="ibcp-20251231.xsd#ibcp_AddDeductAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_AddDeductAbstract" xlink:to="lab_ibcp_AddDeductAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_InterestRateSwapNoncommercialMember_dd13d662-8ff4-451f-84bb-582f4e6dea1b_terseLabel_en-US" xlink:label="lab_ibcp_InterestRateSwapNoncommercialMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pay-fixed interest rate swap agreements - securities available for sale</link:label>
    <link:label id="lab_ibcp_InterestRateSwapNoncommercialMember_label_en-US" xlink:label="lab_ibcp_InterestRateSwapNoncommercialMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Rate Swap, Noncommercial [Member]</link:label>
    <link:label id="lab_ibcp_InterestRateSwapNoncommercialMember_documentation_en-US" xlink:label="lab_ibcp_InterestRateSwapNoncommercialMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Forward based contracts in which two parties agree to swap periodic payments that are fixed at the outset of the swap contract with variable payments based on a market interest rate (index rate) over a specified period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InterestRateSwapNoncommercialMember" xlink:href="ibcp-20251231.xsd#ibcp_InterestRateSwapNoncommercialMember"/>
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    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarningsAbstract_4121d2ce-1fa0-4989-8f8d-a7c9e378db55_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarningsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Assets and Liabilities Measured on Recurring Basis, Gain (Loss) Included in Earnings [Abstract]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarningsAbstract_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarningsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Assets and Liabilities Measured on Recurring Basis, Gain (Loss) Included in Earnings [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarningsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarningsAbstract"/>
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    <link:label id="lab_us-gaap_LoansHeldForSaleFairValueDisclosure_866cce6b-e86d-4f3a-afe4-43d76713cfe3_verboseLabel_en-US" xlink:label="lab_us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Loans held for sale, carried at fair value</link:label>
    <link:label id="lab_us-gaap_LoansHeldForSaleFairValueDisclosure_e869cfc7-12b1-4802-a2fe-daf9dad3cc37_terseLabel_en-US" xlink:label="lab_us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate Fair Value</link:label>
    <link:label id="lab_us-gaap_LoansHeldForSaleFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan, Held-for-Sale, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:to="lab_us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentFaceAmount_9cd919f6-a35a-4d79-8595-2d9174f770c7_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentFaceAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trust Preferred Securities Issued</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentFaceAmount_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentFaceAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Face Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentFaceAmount" xlink:to="lab_us-gaap_DebtInstrumentFaceAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_88ec7511-deb1-4f51-a163-62396b20c57a_terseLabel_en-US" xlink:label="lab_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statement of Comprehensive Income [Abstract]</link:label>
    <link:label id="lab_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_label_en-US" xlink:label="lab_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Comprehensive Income [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:to="lab_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_UnobservableInputsWeightedAverageAbstract_78d98321-8a61-4395-ae21-fea17f428c3b_terseLabel_en-US" xlink:label="lab_ibcp_UnobservableInputsWeightedAverageAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Range and Weighted Average</link:label>
    <link:label id="lab_ibcp_UnobservableInputsWeightedAverageAbstract_label_en-US" xlink:label="lab_ibcp_UnobservableInputsWeightedAverageAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unobservable Inputs Weighted Average [Abstract]</link:label>
    <link:label id="lab_ibcp_UnobservableInputsWeightedAverageAbstract_documentation_en-US" xlink:label="lab_ibcp_UnobservableInputsWeightedAverageAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Unobservable Inputs Weighted Average [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_UnobservableInputsWeightedAverageAbstract" xlink:href="ibcp-20251231.xsd#ibcp_UnobservableInputsWeightedAverageAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_UnobservableInputsWeightedAverageAbstract" xlink:to="lab_ibcp_UnobservableInputsWeightedAverageAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment_5e248d23-469e-4a94-8d3d-3aa3ffd6fc4f_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property and equipment</link:label>
    <link:label id="lab_us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment_label_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Property, Plant and Equipment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment" xlink:to="lab_us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscIndName_terseLabel_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscIndName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Name</link:label>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscIndName_label_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscIndName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Awards Close in Time to MNPI Disclosures, Individual Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscIndName" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardsCloseToMnpiDiscIndName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardsCloseToMnpiDiscIndName" xlink:to="lab_ecd_AwardsCloseToMnpiDiscIndName" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_ExchangeOfferSharesReceived_57cbc176-01a8-4400-ba32-d060fdb1aeec_terseLabel_en-US" xlink:label="lab_ibcp_ExchangeOfferSharesReceived" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exchange offer, shares received (in shares)</link:label>
    <link:label id="lab_ibcp_ExchangeOfferSharesReceived_label_en-US" xlink:label="lab_ibcp_ExchangeOfferSharesReceived" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Exchange Offer, Shares Received</link:label>
    <link:label id="lab_ibcp_ExchangeOfferSharesReceived_documentation_en-US" xlink:label="lab_ibcp_ExchangeOfferSharesReceived" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Exchange Offer, Shares Received</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ExchangeOfferSharesReceived" xlink:href="ibcp-20251231.xsd#ibcp_ExchangeOfferSharesReceived"/>
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    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_5075dc59-48ff-4c8d-b2be-66df60527340_periodStartLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Outstanding, beginning balance (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_a82aca23-d6e4-4f8d-a66b-b1b3b88f4c40_periodEndLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Outstanding, ending balance (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_DeferredTaxAssetsLeaseLiabilities_a536677d-eb2e-474b-a9ba-0261c138a22b_terseLabel_en-US" xlink:label="lab_ibcp_DeferredTaxAssetsLeaseLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Lease liabilities</link:label>
    <link:label id="lab_ibcp_DeferredTaxAssetsLeaseLiabilities_label_en-US" xlink:label="lab_ibcp_DeferredTaxAssetsLeaseLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Lease Liabilities</link:label>
    <link:label id="lab_ibcp_DeferredTaxAssetsLeaseLiabilities_documentation_en-US" xlink:label="lab_ibcp_DeferredTaxAssetsLeaseLiabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from lease liabilities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DeferredTaxAssetsLeaseLiabilities" xlink:href="ibcp-20251231.xsd#ibcp_DeferredTaxAssetsLeaseLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_DeferredTaxAssetsLeaseLiabilities" xlink:to="lab_ibcp_DeferredTaxAssetsLeaseLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EscrowDeposit_7266c034-d85e-4e29-885c-c19f4c74ba52_terseLabel_en-US" xlink:label="lab_us-gaap_EscrowDeposit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Custodial deposit accounts</link:label>
    <link:label id="lab_us-gaap_EscrowDeposit_label_en-US" xlink:label="lab_us-gaap_EscrowDeposit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Escrow Deposit</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EscrowDeposit" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EscrowDeposit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EscrowDeposit" xlink:to="lab_us-gaap_EscrowDeposit" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AggtErrCompNotYetDeterminedTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate Erroneous Compensation Not Yet Determined</link:label>
    <link:label id="lab_ecd_AggtErrCompNotYetDeterminedTextBlock_label_en-US" xlink:label="lab_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Aggregate Erroneous Compensation Not Yet Determined [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AggtErrCompNotYetDeterminedTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:to="lab_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_IcfrAuditorAttestationFlag_f02bd49c-8dd4-4c61-baf5-517422ab8133_terseLabel_en-US" xlink:label="lab_dei_IcfrAuditorAttestationFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ICFR Auditor Attestation Flag</link:label>
    <link:label id="lab_dei_IcfrAuditorAttestationFlag_label_en-US" xlink:label="lab_dei_IcfrAuditorAttestationFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ICFR Auditor Attestation Flag</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_IcfrAuditorAttestationFlag" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_IcfrAuditorAttestationFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_IcfrAuditorAttestationFlag" xlink:to="lab_dei_IcfrAuditorAttestationFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent_aa18fd91-52ae-4df8-a060-67214d0c034c_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Defined contribution plan, employer matching contribution, percent of employees' gross pay</link:label>
    <link:label id="lab_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent_label_en-US" xlink:label="lab_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Contribution Plan, Employer Matching Contribution, Percent of Employees' Gross Pay</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent" xlink:to="lab_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FreddieMacMember_0a928120-efcf-49c0-be4d-adcb3ea9bf98_terseLabel_en-US" xlink:label="lab_ibcp_FreddieMacMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Freddie Mac</link:label>
    <link:label id="lab_ibcp_FreddieMacMember_label_en-US" xlink:label="lab_ibcp_FreddieMacMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Freddie Mac [Member]</link:label>
    <link:label id="lab_ibcp_FreddieMacMember_documentation_en-US" xlink:label="lab_ibcp_FreddieMacMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Refers to Mortgage loans serviced for Freddie Mac.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FreddieMacMember" xlink:href="ibcp-20251231.xsd#ibcp_FreddieMacMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FreddieMacMember" xlink:to="lab_ibcp_FreddieMacMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_StandardPoorsBBBRatingMember_5f15d838-2955-4eb6-90e6-7d03994ed802_terseLabel_en-US" xlink:label="lab_srt_StandardPoorsBBBRatingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">BBB</link:label>
    <link:label id="lab_srt_StandardPoorsBBBRatingMember_label_en-US" xlink:label="lab_srt_StandardPoorsBBBRatingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Standard &amp; Poor's, BBB Rating [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StandardPoorsBBBRatingMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_StandardPoorsBBBRatingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_StandardPoorsBBBRatingMember" xlink:to="lab_srt_StandardPoorsBBBRatingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ScheduleOfCondensedIncomeStatementTableTextBlock_61b20a12-4591-402e-b637-36b06985f22f_terseLabel_en-US" xlink:label="lab_srt_ScheduleOfCondensedIncomeStatementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Statements of Operations</link:label>
    <link:label id="lab_srt_ScheduleOfCondensedIncomeStatementTableTextBlock_label_en-US" xlink:label="lab_srt_ScheduleOfCondensedIncomeStatementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Income Statement [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfCondensedIncomeStatementTableTextBlock" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ScheduleOfCondensedIncomeStatementTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ScheduleOfCondensedIncomeStatementTableTextBlock" xlink:to="lab_srt_ScheduleOfCondensedIncomeStatementTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue_5cdcd3a7-33fd-4320-9f36-5905d05e2680_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Vested and expected to vest, aggregate intrinsic value</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Vested and Expected to Vest, Outstanding, Aggregate Intrinsic Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueByLiabilityClassAxis_d12273dd-f706-40ea-8a1d-1f588909d208_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByLiabilityClassAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liability Class [Axis]</link:label>
    <link:label id="lab_us-gaap_FairValueByLiabilityClassAxis_label_en-US" xlink:label="lab_us-gaap_FairValueByLiabilityClassAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liability Class [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByLiabilityClassAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByLiabilityClassAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueByLiabilityClassAxis" xlink:to="lab_us-gaap_FairValueByLiabilityClassAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_AuditorFirmId_b27899c0-7555-4c20-98ad-946146449bb3_terseLabel_en-US" xlink:label="lab_dei_AuditorFirmId" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Auditor Firm ID</link:label>
    <link:label id="lab_dei_AuditorFirmId_label_en-US" xlink:label="lab_dei_AuditorFirmId" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Auditor Firm ID</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorFirmId" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_AuditorFirmId"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AuditorFirmId" xlink:to="lab_dei_AuditorFirmId" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SegmentDomain_f8eeb1e7-7967-4fc6-8849-eb54bbfecf39_terseLabel_en-US" xlink:label="lab_us-gaap_SegmentDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Segments [Domain]</link:label>
    <link:label id="lab_us-gaap_SegmentDomain_label_en-US" xlink:label="lab_us-gaap_SegmentDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segments [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentDomain" xlink:to="lab_us-gaap_SegmentDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_StockUnitsOrRestrictedSharesIssuedDuringPeriod_2ab34725-8185-4bea-a2bb-85235025bdd2_verboseLabel_en-US" xlink:label="lab_ibcp_StockUnitsOrRestrictedSharesIssuedDuringPeriod" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Number of restricted stock units issued to executive officers (in shares)</link:label>
    <link:label id="lab_ibcp_StockUnitsOrRestrictedSharesIssuedDuringPeriod_label_en-US" xlink:label="lab_ibcp_StockUnitsOrRestrictedSharesIssuedDuringPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Units Or Restricted Shares Issued During Period</link:label>
    <link:label id="lab_ibcp_StockUnitsOrRestrictedSharesIssuedDuringPeriod_documentation_en-US" xlink:label="lab_ibcp_StockUnitsOrRestrictedSharesIssuedDuringPeriod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of new stock units or restricted shares issued during the period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_StockUnitsOrRestrictedSharesIssuedDuringPeriod" xlink:href="ibcp-20251231.xsd#ibcp_StockUnitsOrRestrictedSharesIssuedDuringPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_StockUnitsOrRestrictedSharesIssuedDuringPeriod" xlink:to="lab_ibcp_StockUnitsOrRestrictedSharesIssuedDuringPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_CommitmentsAndContingenciesLineItems_82212570-aad4-4040-bac1-2754a21df588_terseLabel_en-US" xlink:label="lab_ibcp_CommitmentsAndContingenciesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commitments And Contingencies [Line Items]</link:label>
    <link:label id="lab_ibcp_CommitmentsAndContingenciesLineItems_label_en-US" xlink:label="lab_ibcp_CommitmentsAndContingenciesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commitments And Contingencies [Line Items]</link:label>
    <link:label id="lab_ibcp_CommitmentsAndContingenciesLineItems_documentation_en-US" xlink:label="lab_ibcp_CommitmentsAndContingenciesLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Commitments And Contingencies</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommitmentsAndContingenciesLineItems" xlink:href="ibcp-20251231.xsd#ibcp_CommitmentsAndContingenciesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_CommitmentsAndContingenciesLineItems" xlink:to="lab_ibcp_CommitmentsAndContingenciesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_5ce7868a-dcee-463a-b76c-9b9756eec860_verboseLabel_en-US" xlink:label="lab_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">SECURITIES</link:label>
    <link:label id="lab_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:to="lab_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_b95d0d7b-dbd4-402f-a945-5e30ebb04837_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Using</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Hierarchy and NAV [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:to="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_ContractDisclosureOffBalanceSheetRisksAmountOnFixedRate_d2eb731b-62fb-4544-9956-cf9cc1596e81_terseLabel_en-US" xlink:label="lab_ibcp_ContractDisclosureOffBalanceSheetRisksAmountOnFixedRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fixed Rate</link:label>
    <link:label id="lab_ibcp_ContractDisclosureOffBalanceSheetRisksAmountOnFixedRate_label_en-US" xlink:label="lab_ibcp_ContractDisclosureOffBalanceSheetRisksAmountOnFixedRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contract Disclosure Off-Balance Sheet Risks Amount On Fixed Rate</link:label>
    <link:label id="lab_ibcp_ContractDisclosureOffBalanceSheetRisksAmountOnFixedRate_documentation_en-US" xlink:label="lab_ibcp_ContractDisclosureOffBalanceSheetRisksAmountOnFixedRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The contract value of financial standby letters of credit, which are not recognized in the financial statements (off-balance sheet).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ContractDisclosureOffBalanceSheetRisksAmountOnFixedRate" xlink:href="ibcp-20251231.xsd#ibcp_ContractDisclosureOffBalanceSheetRisksAmountOnFixedRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_ContractDisclosureOffBalanceSheetRisksAmountOnFixedRate" xlink:to="lab_ibcp_ContractDisclosureOffBalanceSheetRisksAmountOnFixedRate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BalanceSheetLocationDomain_4723d572-36a1-470a-b498-2d3f39769144_terseLabel_en-US" xlink:label="lab_us-gaap_BalanceSheetLocationDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Balance Sheet Location</link:label>
    <link:label id="lab_us-gaap_BalanceSheetLocationDomain_label_en-US" xlink:label="lab_us-gaap_BalanceSheetLocationDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Financial Position Location, Balance [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BalanceSheetLocationDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BalanceSheetLocationDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BalanceSheetLocationDomain" xlink:to="lab_us-gaap_BalanceSheetLocationDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_SubsidiariesTrustThreeMember_5d9ca1b5-3052-4b26-aa58-789347f5905b_terseLabel_en-US" xlink:label="lab_ibcp_SubsidiariesTrustThreeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">IBC Capital Finance IV</link:label>
    <link:label id="lab_ibcp_SubsidiariesTrustThreeMember_label_en-US" xlink:label="lab_ibcp_SubsidiariesTrustThreeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsidiaries Trust Three [Member]</link:label>
    <link:label id="lab_ibcp_SubsidiariesTrustThreeMember_documentation_en-US" xlink:label="lab_ibcp_SubsidiariesTrustThreeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subsidiaries trust which is controlled, directly or indirectly, by its parent. The usual condition for control is ownership of a majority (over 50%) of the outstanding voting stock. The power to control may also exist with a lesser percentage of ownership, for example, by contract, lease, agreement with other stockholders or by court decree.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SubsidiariesTrustThreeMember" xlink:href="ibcp-20251231.xsd#ibcp_SubsidiariesTrustThreeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_SubsidiariesTrustThreeMember" xlink:to="lab_ibcp_SubsidiariesTrustThreeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_9310bcb2-9e87-4c6a-ab37-fa7917a322a2_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unrealized Losses on Securities AFS</link:label>
    <link:label id="lab_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_label_en-US" xlink:label="lab_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-Sale, Parent [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:to="lab_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpenseAbstract_fb16ddb6-d73d-4819-9862-57d47696e36a_verboseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">INTEREST EXPENSE</link:label>
    <link:label id="lab_us-gaap_InterestExpenseAbstract_label_en-US" xlink:label="lab_us-gaap_InterestExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Operating and Nonoperating [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseAbstract" xlink:to="lab_us-gaap_InterestExpenseAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_ae6ca4e3-32d3-4d47-b761-d2e58a21783a_negatedLabel_en-US" xlink:label="lab_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Accumulated depreciation and amortization</link:label>
    <link:label id="lab_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_label_en-US" xlink:label="lab_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:to="lab_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EarningsPerSharePolicyTextBlock_c4946c35-e4a8-4b74-8aae-d06268080a34_terseLabel_en-US" xlink:label="lab_us-gaap_EarningsPerSharePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">NET INCOME PER COMMON SHARE</link:label>
    <link:label id="lab_us-gaap_EarningsPerSharePolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_EarningsPerSharePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerSharePolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerSharePolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerSharePolicyTextBlock" xlink:to="lab_us-gaap_EarningsPerSharePolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FederalHomeLoanBankAdvancesPolicyTextBlock_f09614c9-8731-4ac3-a402-3e109428a338_terseLabel_en-US" xlink:label="lab_ibcp_FederalHomeLoanBankAdvancesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FEDERAL HOME LOAN BANK (&#8216;&#8216;FHLB&#8217;&#8217;) STOCK</link:label>
    <link:label id="lab_ibcp_FederalHomeLoanBankAdvancesPolicyTextBlock_label_en-US" xlink:label="lab_ibcp_FederalHomeLoanBankAdvancesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances Policy Text Block [Policy Text Block]</link:label>
    <link:label id="lab_ibcp_FederalHomeLoanBankAdvancesPolicyTextBlock_documentation_en-US" xlink:label="lab_ibcp_FederalHomeLoanBankAdvancesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The entire policy disclosure represents an equity interest in the Federal Home Loan Bank. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FederalHomeLoanBankAdvancesPolicyTextBlock" xlink:href="ibcp-20251231.xsd#ibcp_FederalHomeLoanBankAdvancesPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FederalHomeLoanBankAdvancesPolicyTextBlock" xlink:to="lab_ibcp_FederalHomeLoanBankAdvancesPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RealEstateOwnedTextBlock_45341aa7-7d06-42d3-a637-f48e8e27f7b5_verboseLabel_en-US" xlink:label="lab_us-gaap_RealEstateOwnedTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">OTHER REAL ESTATE</link:label>
    <link:label id="lab_us-gaap_RealEstateOwnedTextBlock_label_en-US" xlink:label="lab_us-gaap_RealEstateOwnedTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate Owned [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateOwnedTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealEstateOwnedTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RealEstateOwnedTextBlock" xlink:to="lab_us-gaap_RealEstateOwnedTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_VISAClassAStockMember_05b90dcd-e03a-4f9b-bc89-425f3883a136_terseLabel_en-US" xlink:label="lab_ibcp_VISAClassAStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">VISA Class A Common Stock</link:label>
    <link:label id="lab_ibcp_VISAClassAStockMember_label_en-US" xlink:label="lab_ibcp_VISAClassAStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">VISA Class A Stock [Member]</link:label>
    <link:label id="lab_ibcp_VISAClassAStockMember_documentation_en-US" xlink:label="lab_ibcp_VISAClassAStockMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Classification of common stock representing ownership interest in a corporation.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_VISAClassAStockMember" xlink:href="ibcp-20251231.xsd#ibcp_VISAClassAStockMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_VISAClassAStockMember" xlink:to="lab_ibcp_VISAClassAStockMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_DirectorStockPurchasePlanMember_dc25c957-ca3d-4ffc-97d8-8888bd357e06_terseLabel_en-US" xlink:label="lab_ibcp_DirectorStockPurchasePlanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Director Stock Purchase Plan</link:label>
    <link:label id="lab_ibcp_DirectorStockPurchasePlanMember_label_en-US" xlink:label="lab_ibcp_DirectorStockPurchasePlanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Director Stock Purchase Plan [Member]</link:label>
    <link:label id="lab_ibcp_DirectorStockPurchasePlanMember_documentation_en-US" xlink:label="lab_ibcp_DirectorStockPurchasePlanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Director Stock Purchase Plan</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DirectorStockPurchasePlanMember" xlink:href="ibcp-20251231.xsd#ibcp_DirectorStockPurchasePlanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_DirectorStockPurchasePlanMember" xlink:to="lab_ibcp_DirectorStockPurchasePlanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_OtherRealEstateAcquiredValuationAdjustments_cdd96fc0-3664-410b-a7ef-009345c6da96_negatedLabel_en-US" xlink:label="lab_ibcp_OtherRealEstateAcquiredValuationAdjustments" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Additions to valuation allowance charged to expense</link:label>
    <link:label id="lab_ibcp_OtherRealEstateAcquiredValuationAdjustments_label_en-US" xlink:label="lab_ibcp_OtherRealEstateAcquiredValuationAdjustments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Real Estate, Acquired Valuation Adjustments</link:label>
    <link:label id="lab_ibcp_OtherRealEstateAcquiredValuationAdjustments_documentation_en-US" xlink:label="lab_ibcp_OtherRealEstateAcquiredValuationAdjustments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Valuation adjustments made to real estate assets taken in settlement of troubled loans through surrender or foreclosure.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_OtherRealEstateAcquiredValuationAdjustments" xlink:href="ibcp-20251231.xsd#ibcp_OtherRealEstateAcquiredValuationAdjustments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_OtherRealEstateAcquiredValuationAdjustments" xlink:to="lab_ibcp_OtherRealEstateAcquiredValuationAdjustments" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_PerformanceSharesPerformanceFeaturePeriodOfComparison_019b4ee2-1fe7-7489-9355-22ce2ef8d363_terseLabel_en-US" xlink:label="lab_ibcp_PerformanceSharesPerformanceFeaturePeriodOfComparison" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Performance feature comparison period</link:label>
    <link:label id="lab_ibcp_PerformanceSharesPerformanceFeaturePeriodOfComparison_label_en-US" xlink:label="lab_ibcp_PerformanceSharesPerformanceFeaturePeriodOfComparison" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Performance Shares, Performance Feature Period of Comparison</link:label>
    <link:label id="lab_ibcp_PerformanceSharesPerformanceFeaturePeriodOfComparison_documentation_en-US" xlink:label="lab_ibcp_PerformanceSharesPerformanceFeaturePeriodOfComparison" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Performance Shares, Performance Feature Period of Comparison</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_PerformanceSharesPerformanceFeaturePeriodOfComparison" xlink:href="ibcp-20251231.xsd#ibcp_PerformanceSharesPerformanceFeaturePeriodOfComparison"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_PerformanceSharesPerformanceFeaturePeriodOfComparison" xlink:to="lab_ibcp_PerformanceSharesPerformanceFeaturePeriodOfComparison" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RealEstateOwnedValuationAllowance_b53e1789-1d57-4440-82c4-2c323cc0d8b7_periodStartLabel_en-US" xlink:label="lab_us-gaap_RealEstateOwnedValuationAllowance" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Balance at beginning of year</link:label>
    <link:label id="lab_us-gaap_RealEstateOwnedValuationAllowance_60996b84-19fb-4ad4-949d-0f32dddca579_periodEndLabel_en-US" xlink:label="lab_us-gaap_RealEstateOwnedValuationAllowance" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Balance at end of year</link:label>
    <link:label id="lab_us-gaap_RealEstateOwnedValuationAllowance_label_en-US" xlink:label="lab_us-gaap_RealEstateOwnedValuationAllowance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate Owned, Valuation Allowance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateOwnedValuationAllowance" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealEstateOwnedValuationAllowance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RealEstateOwnedValuationAllowance" xlink:to="lab_us-gaap_RealEstateOwnedValuationAllowance" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_17405aba-00b3-4fb8-8e31-f89bcd6b9772_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Purchases of securities available for sale</link:label>
    <link:label id="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_label_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments to Acquire Debt Securities, Available-for-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:to="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OperatingIncomeLossAbstract_255f6256-b9a1-406b-b614-6ab13aa6e5c3_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingIncomeLossAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">OPERATING INCOME</link:label>
    <link:label id="lab_us-gaap_OperatingIncomeLossAbstract_label_en-US" xlink:label="lab_us-gaap_OperatingIncomeLossAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Income (Loss) [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingIncomeLossAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingIncomeLossAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingIncomeLossAbstract" xlink:to="lab_us-gaap_OperatingIncomeLossAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockValue_203024e4-1c14-4dbb-b3ba-f0978f0b062b_verboseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockValue" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock, no par value, 200,000 shares authorized; none issued or outstanding</link:label>
    <link:label id="lab_us-gaap_PreferredStockValue_label_en-US" xlink:label="lab_us-gaap_PreferredStockValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Value, Issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockValue" xlink:to="lab_us-gaap_PreferredStockValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueNetAssetLiabilityAbstract_9d45558f-e2ae-47b3-8f34-ab0368588a0f_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueNetAssetLiabilityAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Asset Fair Value</link:label>
    <link:label id="lab_us-gaap_FairValueNetAssetLiabilityAbstract_label_en-US" xlink:label="lab_us-gaap_FairValueNetAssetLiabilityAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Net Asset (Liability) [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueNetAssetLiabilityAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueNetAssetLiabilityAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueNetAssetLiabilityAbstract" xlink:to="lab_us-gaap_FairValueNetAssetLiabilityAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_USStatesAndPoliticalSubdivisionsMember_5cdc7b49-5bed-49ae-9670-8af31095ae61_terseLabel_en-US" xlink:label="lab_us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Obligations of states and political subdivisions</link:label>
    <link:label id="lab_us-gaap_USStatesAndPoliticalSubdivisionsMember_label_en-US" xlink:label="lab_us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">US States and Political Subdivisions Debt Securities [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:to="lab_us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestPayableCurrentAndNoncurrent_ea9fe36e-29b3-47b6-87d2-5b96cca563ed_terseLabel_en-US" xlink:label="lab_us-gaap_InterestPayableCurrentAndNoncurrent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued interest payable</link:label>
    <link:label id="lab_us-gaap_InterestPayableCurrentAndNoncurrent_label_en-US" xlink:label="lab_us-gaap_InterestPayableCurrentAndNoncurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Payable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPayableCurrentAndNoncurrent" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestPayableCurrentAndNoncurrent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestPayableCurrentAndNoncurrent" xlink:to="lab_us-gaap_InterestPayableCurrentAndNoncurrent" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_LesseeOperatingLeaseBalanceSheetInformationTableTextBlock_6f474a12-c0c0-415a-9deb-af60a4d7cc96_terseLabel_en-US" xlink:label="lab_ibcp_LesseeOperatingLeaseBalanceSheetInformationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Supplemental Balance Sheet Information Related to Operating Leases</link:label>
    <link:label id="lab_ibcp_LesseeOperatingLeaseBalanceSheetInformationTableTextBlock_label_en-US" xlink:label="lab_ibcp_LesseeOperatingLeaseBalanceSheetInformationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessee, Operating Lease, Balance Sheet Information [Table Text Block]</link:label>
    <link:label id="lab_ibcp_LesseeOperatingLeaseBalanceSheetInformationTableTextBlock_documentation_en-US" xlink:label="lab_ibcp_LesseeOperatingLeaseBalanceSheetInformationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of lessee's right of use assets and lease liabilities.</link:label>
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    <link:label id="lab_us-gaap_SubordinatedDebt_2b9f485e-7428-4204-9687-f1a3f23baf04_terseLabel_en-US" xlink:label="lab_us-gaap_SubordinatedDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated debt</link:label>
    <link:label id="lab_us-gaap_SubordinatedDebt_label_en-US" xlink:label="lab_us-gaap_SubordinatedDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SubordinatedDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubordinatedDebt" xlink:to="lab_us-gaap_SubordinatedDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_RestrictedStockAndPerformanceStockUnitsMember_6a1c14d6-a548-4703-8389-8a13597a1f1b_terseLabel_en-US" xlink:label="lab_ibcp_RestrictedStockAndPerformanceStockUnitsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restricted Stock and PSU's</link:label>
    <link:label id="lab_ibcp_RestrictedStockAndPerformanceStockUnitsMember_label_en-US" xlink:label="lab_ibcp_RestrictedStockAndPerformanceStockUnitsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restricted Stock And Performance Stock Units [Member]</link:label>
    <link:label id="lab_ibcp_RestrictedStockAndPerformanceStockUnitsMember_documentation_en-US" xlink:label="lab_ibcp_RestrictedStockAndPerformanceStockUnitsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Shares that an entity has not yet issued because the agreed-upon consideration, such as employee services, has not yet been received and shares or units awarded to employees for meeting certain performance targets.</link:label>
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    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year</link:label>
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    <link:label id="lab_us-gaap_SubordinatedDebtMember_aadb3000-2ca5-4d14-9c7f-ef2800edf18d_terseLabel_en-US" xlink:label="lab_us-gaap_SubordinatedDebtMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated Debt</link:label>
    <link:label id="lab_us-gaap_SubordinatedDebtMember_label_en-US" xlink:label="lab_us-gaap_SubordinatedDebtMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Debt [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebtMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SubordinatedDebtMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubordinatedDebtMember" xlink:to="lab_us-gaap_SubordinatedDebtMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablesPeriodPastDueAxis_cc01ea1d-c80c-4ade-8029-4ca048bdc968_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Asset, Aging [Axis]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablesPeriodPastDueAxis_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, Aging [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:to="lab_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AllExecutiveCategoriesMember_terseLabel_en-US" xlink:label="lab_ecd_AllExecutiveCategoriesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">All Executive Categories</link:label>
    <link:label id="lab_ecd_AllExecutiveCategoriesMember_label_en-US" xlink:label="lab_ecd_AllExecutiveCategoriesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">All Executive Categories [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllExecutiveCategoriesMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AllExecutiveCategoriesMember"/>
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    <link:label id="lab_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_a85a0182-c80f-4105-bec1-8dad2a4c4b72_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Deferred Tax Assets and Deferred Tax Liabilities</link:label>
    <link:label id="lab_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Deferred Tax Assets and Liabilities [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock"/>
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    <link:label id="lab_us-gaap_OtherOperatingIncome_a9bc0982-b93b-4df1-a6b3-57fcdb35d0b9_verboseLabel_en-US" xlink:label="lab_us-gaap_OtherOperatingIncome" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other income</link:label>
    <link:label id="lab_us-gaap_OtherOperatingIncome_label_en-US" xlink:label="lab_us-gaap_OtherOperatingIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Operating Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherOperatingIncome" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherOperatingIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherOperatingIncome" xlink:to="lab_us-gaap_OtherOperatingIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockValue_82143b4b-29d6-4b36-b5b7-5c6d47301e5f_verboseLabel_en-US" xlink:label="lab_us-gaap_CommonStockValue" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Common stock, no par value, 500,000,000 shares authorized; issued and outstanding: 20,548,893 shares at December&#160;31, 2025 and 20,895,714 shares at December&#160;31, 2024</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockValue" xlink:to="lab_us-gaap_CommonStockValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeLossFromEquityMethodInvestmentsNetOfDividendsOrDistributions_031c9e9b-7c20-46da-9e22-f22e1183cf90_negatedLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromEquityMethodInvestmentsNetOfDividendsOrDistributions" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Equity in undistributed net income of subsidiaries</link:label>
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    <link:label id="lab_us-gaap_InterestAndFeeIncomeLoansAndLeases_12171912-f6ec-49a7-b702-107b00420c86_terseLabel_en-US" xlink:label="lab_us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest and fees on loans</link:label>
    <link:label id="lab_us-gaap_InterestAndFeeIncomeLoansAndLeases_label_en-US" xlink:label="lab_us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest and Fee Income, Loans and Leases</link:label>
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    <link:label id="lab_srt_TitleOfIndividualAxis_760418d8-afba-454c-b09b-cfc39e97672d_terseLabel_en-US" xlink:label="lab_srt_TitleOfIndividualAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Title of Individual [Axis]</link:label>
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    <link:label id="lab_us-gaap_IncreaseDecreaseInLoansDeferredIncome_e10fff5f-2321-49a2-a63f-e9391b7ec335_negatedLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInLoansDeferredIncome" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Net deferred loan fees</link:label>
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    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_f4fdd30e-2efe-40f9-b1ce-9c4491f5ed18_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross charge-offs, current fiscal year</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff</link:label>
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    <link:label id="lab_ibcp_FederalHomeLoanBankAdvancesFixedRateMember_75d24206-d901-4a1a-8425-8f7a3e21ea4c_terseLabel_en-US" xlink:label="lab_ibcp_FederalHomeLoanBankAdvancesFixedRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Fixed Rate</link:label>
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    <link:label id="lab_ibcp_FederalHomeLoanBankAdvancesFixedRateMember_documentation_en-US" xlink:label="lab_ibcp_FederalHomeLoanBankAdvancesFixedRateMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Refers to federal home loan bank (FHLB) fixed interest rate advances.</link:label>
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    <link:label id="lab_ibcp_OtherRealEstateRollAcquiredForwardTableTextBlock_7d87e49d-3691-401b-8dc7-65a21d176295_terseLabel_en-US" xlink:label="lab_ibcp_OtherRealEstateRollAcquiredForwardTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of Other Real Estate Activity</link:label>
    <link:label id="lab_ibcp_OtherRealEstateRollAcquiredForwardTableTextBlock_label_en-US" xlink:label="lab_ibcp_OtherRealEstateRollAcquiredForwardTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Real Estate, Roll Acquired Forward [Table Text Block]</link:label>
    <link:label id="lab_ibcp_OtherRealEstateRollAcquiredForwardTableTextBlock_documentation_en-US" xlink:label="lab_ibcp_OtherRealEstateRollAcquiredForwardTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of the change in other real estate on properties owned taken in settlement of troubled loans through surrender or foreclosure by banks.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_OtherRealEstateRollAcquiredForwardTableTextBlock" xlink:href="ibcp-20251231.xsd#ibcp_OtherRealEstateRollAcquiredForwardTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_OtherRealEstateRollAcquiredForwardTableTextBlock" xlink:to="lab_ibcp_OtherRealEstateRollAcquiredForwardTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_ReciprocalMoneyMarketDeposits_442dc213-40d3-4b70-aef4-76d241a2c30b_verboseLabel_en-US" xlink:label="lab_ibcp_ReciprocalMoneyMarketDeposits" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Money market</link:label>
    <link:label id="lab_ibcp_ReciprocalMoneyMarketDeposits_label_en-US" xlink:label="lab_ibcp_ReciprocalMoneyMarketDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reciprocal Money Market Deposits</link:label>
    <link:label id="lab_ibcp_ReciprocalMoneyMarketDeposits_documentation_en-US" xlink:label="lab_ibcp_ReciprocalMoneyMarketDeposits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of reciprocal money market deposits.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ReciprocalMoneyMarketDeposits" xlink:href="ibcp-20251231.xsd#ibcp_ReciprocalMoneyMarketDeposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_ReciprocalMoneyMarketDeposits" xlink:to="lab_ibcp_ReciprocalMoneyMarketDeposits" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_OtherNonInterestIncomeTextBlock_5a1dc62d-5bbf-442a-912a-d098f411df7b_verboseLabel_en-US" xlink:label="lab_ibcp_OtherNonInterestIncomeTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">NON-INTEREST INCOME - OTHER</link:label>
    <link:label id="lab_ibcp_OtherNonInterestIncomeTextBlock_label_en-US" xlink:label="lab_ibcp_OtherNonInterestIncomeTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Non-Interest Income [Text Block]</link:label>
    <link:label id="lab_ibcp_OtherNonInterestIncomeTextBlock_documentation_en-US" xlink:label="lab_ibcp_OtherNonInterestIncomeTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The entire disclosure for the components of other non-interest expense.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_OtherNonInterestIncomeTextBlock" xlink:href="ibcp-20251231.xsd#ibcp_OtherNonInterestIncomeTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_OtherNonInterestIncomeTextBlock" xlink:to="lab_ibcp_OtherNonInterestIncomeTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_ScheduleOfOtherNonInterestIncomeTableTextBlock_3d5de099-6fb3-4dcb-802c-d75e71f385e1_terseLabel_en-US" xlink:label="lab_ibcp_ScheduleOfOtherNonInterestIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Other Non-Interest Income</link:label>
    <link:label id="lab_ibcp_ScheduleOfOtherNonInterestIncomeTableTextBlock_label_en-US" xlink:label="lab_ibcp_ScheduleOfOtherNonInterestIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Other Non-Interest Income [Table Text Block]</link:label>
    <link:label id="lab_ibcp_ScheduleOfOtherNonInterestIncomeTableTextBlock_documentation_en-US" xlink:label="lab_ibcp_ScheduleOfOtherNonInterestIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of the detailed components of other noninterest income. May include methodology, assumptions and amounts for noninterest income items.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ScheduleOfOtherNonInterestIncomeTableTextBlock" xlink:href="ibcp-20251231.xsd#ibcp_ScheduleOfOtherNonInterestIncomeTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_ScheduleOfOtherNonInterestIncomeTableTextBlock" xlink:to="lab_ibcp_ScheduleOfOtherNonInterestIncomeTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_MortgageLoanServicingRightsSoldPercentage_b7a3abde-ad68-489f-9258-e4c6f188c419_terseLabel_en-US" xlink:label="lab_ibcp_MortgageLoanServicingRightsSoldPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage loan servicing rights sold, percentage</link:label>
    <link:label id="lab_ibcp_MortgageLoanServicingRightsSoldPercentage_label_en-US" xlink:label="lab_ibcp_MortgageLoanServicingRightsSoldPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Loan Servicing Rights, Sold, Percentage</link:label>
    <link:label id="lab_ibcp_MortgageLoanServicingRightsSoldPercentage_documentation_en-US" xlink:label="lab_ibcp_MortgageLoanServicingRightsSoldPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage Loan Servicing Rights, Sold, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_MortgageLoanServicingRightsSoldPercentage" xlink:href="ibcp-20251231.xsd#ibcp_MortgageLoanServicingRightsSoldPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_MortgageLoanServicingRightsSoldPercentage" xlink:to="lab_ibcp_MortgageLoanServicingRightsSoldPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MortgageLoansInProcessOfForeclosureAmount_c857e0c4-c0c3-4012-a956-c47046eacf7f_terseLabel_en-US" xlink:label="lab_us-gaap_MortgageLoansInProcessOfForeclosureAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage loans in process of foreclosure, amount</link:label>
    <link:label id="lab_us-gaap_MortgageLoansInProcessOfForeclosureAmount_label_en-US" xlink:label="lab_us-gaap_MortgageLoansInProcessOfForeclosureAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Loans in Process of Foreclosure, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageLoansInProcessOfForeclosureAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MortgageLoansInProcessOfForeclosureAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MortgageLoansInProcessOfForeclosureAmount" xlink:to="lab_us-gaap_MortgageLoansInProcessOfForeclosureAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConcentrationRiskLineItems_5a5d2ac5-ba13-4390-8ff1-6a5528286627_terseLabel_en-US" xlink:label="lab_us-gaap_ConcentrationRiskLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Concentration Risk [Line Items]</link:label>
    <link:label id="lab_us-gaap_ConcentrationRiskLineItems_label_en-US" xlink:label="lab_us-gaap_ConcentrationRiskLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Concentration Risk [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConcentrationRiskLineItems" xlink:to="lab_us-gaap_ConcentrationRiskLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FICOScoreUnknownMember_b558a7a0-88c4-41ee-8ddb-9d0cd44b3070_terseLabel_en-US" xlink:label="lab_ibcp_FICOScoreUnknownMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unknown</link:label>
    <link:label id="lab_ibcp_FICOScoreUnknownMember_label_en-US" xlink:label="lab_ibcp_FICOScoreUnknownMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">FICO Score, Unknown [Member]</link:label>
    <link:label id="lab_ibcp_FICOScoreUnknownMember_documentation_en-US" xlink:label="lab_ibcp_FICOScoreUnknownMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Unknown credit score as defined by the external credit rating agency, Fair Isaac Corporation (FICO). Element name and standard label in FICO Score [numeric lower end] to [numeric higher end] [Member] format.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FICOScoreUnknownMember" xlink:href="ibcp-20251231.xsd#ibcp_FICOScoreUnknownMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FICOScoreUnknownMember" xlink:to="lab_ibcp_FICOScoreUnknownMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxAssetsLiabilitiesNet_b6853f9a-cc88-4e30-a8ce-dd86589df15b_totalLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Deferred tax assets, net</link:label>
    <link:label id="lab_us-gaap_DeferredTaxAssetsLiabilitiesNet_label_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxAssetsLiabilitiesNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:to="lab_us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PeoActuallyPaidCompAmt_terseLabel_en-US" xlink:label="lab_ecd_PeoActuallyPaidCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PEO Actually Paid Compensation Amount</link:label>
    <link:label id="lab_ecd_PeoActuallyPaidCompAmt_label_en-US" xlink:label="lab_ecd_PeoActuallyPaidCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">PEO Actually Paid Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoActuallyPaidCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PeoActuallyPaidCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PeoActuallyPaidCompAmt" xlink:to="lab_ecd_PeoActuallyPaidCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_ReciprocalTimeDeposits_99583b3c-ece1-4b9b-b9b2-f760bb6a5919_verboseLabel_en-US" xlink:label="lab_ibcp_ReciprocalTimeDeposits" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Time</link:label>
    <link:label id="lab_ibcp_ReciprocalTimeDeposits_label_en-US" xlink:label="lab_ibcp_ReciprocalTimeDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reciprocal Time Deposits</link:label>
    <link:label id="lab_ibcp_ReciprocalTimeDeposits_documentation_en-US" xlink:label="lab_ibcp_ReciprocalTimeDeposits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of reciprocal time deposits.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ReciprocalTimeDeposits" xlink:href="ibcp-20251231.xsd#ibcp_ReciprocalTimeDeposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_ReciprocalTimeDeposits" xlink:to="lab_ibcp_ReciprocalTimeDeposits" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_28fb208e-1902-47db-ba44-241be66dcc56_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maturing after ten years</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:to="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsReasonableAndSupportableForecastPeriod_019b4eca-5f5e-7766-ba7f-e46fd14c81e4_terseLabel_en-US" xlink:label="lab_ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsReasonableAndSupportableForecastPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">R&amp;S forecast period</link:label>
    <link:label id="lab_ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsReasonableAndSupportableForecastPeriod_label_en-US" xlink:label="lab_ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsReasonableAndSupportableForecastPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance For Credit Losses, Probability Of Default Assumptions, Reasonable And Supportable, Forecast Period</link:label>
    <link:label id="lab_ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsReasonableAndSupportableForecastPeriod_documentation_en-US" xlink:label="lab_ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsReasonableAndSupportableForecastPeriod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance For Credit Losses, Probability Of Default Assumptions, Reasonable And Supportable, Forecast Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsReasonableAndSupportableForecastPeriod" xlink:href="ibcp-20251231.xsd#ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsReasonableAndSupportableForecastPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsReasonableAndSupportableForecastPeriod" xlink:to="lab_ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsReasonableAndSupportableForecastPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_Family14OwnerOccupiedJumboMember_5e4a504c-dd28-4de9-8a52-6a04bc99ad9b_terseLabel_en-US" xlink:label="lab_ibcp_Family14OwnerOccupiedJumboMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">1-4 family owner occupied - jumbo</link:label>
    <link:label id="lab_ibcp_Family14OwnerOccupiedJumboMember_label_en-US" xlink:label="lab_ibcp_Family14OwnerOccupiedJumboMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Family 1 4, Owner Occupied, Jumbo [Member]</link:label>
    <link:label id="lab_ibcp_Family14OwnerOccupiedJumboMember_documentation_en-US" xlink:label="lab_ibcp_Family14OwnerOccupiedJumboMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Class of financing receivables related to 1-4 family owner occupied jumbo financing receivables.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14OwnerOccupiedJumboMember" xlink:href="ibcp-20251231.xsd#ibcp_Family14OwnerOccupiedJumboMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_Family14OwnerOccupiedJumboMember" xlink:to="lab_ibcp_Family14OwnerOccupiedJumboMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossTable_2c520796-d79b-454a-94a0-954d65fba935_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Table]</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossTable_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossTable" xlink:to="lab_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_SharesIssuedInPlaceOfRetainerFees_8022f038-b72b-4a7b-adde-969e5c713195_terseLabel_en-US" xlink:label="lab_ibcp_SharesIssuedInPlaceOfRetainerFees" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Shares issues as retainer fees (in shares)</link:label>
    <link:label id="lab_ibcp_SharesIssuedInPlaceOfRetainerFees_label_en-US" xlink:label="lab_ibcp_SharesIssuedInPlaceOfRetainerFees" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Shares Issued In Place Of Retainer Fees</link:label>
    <link:label id="lab_ibcp_SharesIssuedInPlaceOfRetainerFees_documentation_en-US" xlink:label="lab_ibcp_SharesIssuedInPlaceOfRetainerFees" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share issued to directors in place of quarterly cash retainer's fees during the period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SharesIssuedInPlaceOfRetainerFees" xlink:href="ibcp-20251231.xsd#ibcp_SharesIssuedInPlaceOfRetainerFees"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_SharesIssuedInPlaceOfRetainerFees" xlink:to="lab_ibcp_SharesIssuedInPlaceOfRetainerFees" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivables60To89DaysPastDueMember_0cf20085-41e3-4c8c-a784-32eb0ad0b377_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivables60To89DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">60-89 days</link:label>
    <link:label id="lab_us-gaap_FinancingReceivables60To89DaysPastDueMember_label_en-US" xlink:label="lab_us-gaap_FinancingReceivables60To89DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, 60 to 89 Days Past Due [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivables60To89DaysPastDueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember" xlink:to="lab_us-gaap_FinancingReceivables60To89DaysPastDueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RevenueFromContractWithCustomerAbstract_7b829244-c40c-4bc7-a78b-575fbf2c1ac2_terseLabel_en-US" xlink:label="lab_us-gaap_RevenueFromContractWithCustomerAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Revenue from Contract with Customer [Abstract]</link:label>
    <link:label id="lab_us-gaap_RevenueFromContractWithCustomerAbstract_label_en-US" xlink:label="lab_us-gaap_RevenueFromContractWithCustomerAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Revenue from Contract with Customer [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RevenueFromContractWithCustomerAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract" xlink:to="lab_us-gaap_RevenueFromContractWithCustomerAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_HedgingDesignationAxis_7fc58e24-93ee-4050-9e50-8b53f2121dd0_terseLabel_en-US" xlink:label="lab_us-gaap_HedgingDesignationAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedging Designation [Axis]</link:label>
    <link:label id="lab_us-gaap_HedgingDesignationAxis_label_en-US" xlink:label="lab_us-gaap_HedgingDesignationAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedging Designation [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_HedgingDesignationAxis" xlink:to="lab_us-gaap_HedgingDesignationAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherInterestAndDividendIncome_731b4165-c097-4597-96e7-38e778d4c799_terseLabel_en-US" xlink:label="lab_us-gaap_OtherInterestAndDividendIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other investments</link:label>
    <link:label id="lab_us-gaap_OtherInterestAndDividendIncome_label_en-US" xlink:label="lab_us-gaap_OtherInterestAndDividendIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Interest and Dividend Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherInterestAndDividendIncome" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherInterestAndDividendIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherInterestAndDividendIncome" xlink:to="lab_us-gaap_OtherInterestAndDividendIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentFairValue_019ca163-d310-74b3-a6d2-55bd00dda4c3_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Borrowings</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentFairValue_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentFairValue" xlink:to="lab_us-gaap_DebtInstrumentFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_PercentageOfVotingInterestOwnedByRelatedParty_ec93c1e3-35ca-4a25-9228-fe6ab1980633_terseLabel_en-US" xlink:label="lab_ibcp_PercentageOfVotingInterestOwnedByRelatedParty" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Related party entity ownership percentage</link:label>
    <link:label id="lab_ibcp_PercentageOfVotingInterestOwnedByRelatedParty_label_en-US" xlink:label="lab_ibcp_PercentageOfVotingInterestOwnedByRelatedParty" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Voting Interest Owned By Related Party</link:label>
    <link:label id="lab_ibcp_PercentageOfVotingInterestOwnedByRelatedParty_documentation_en-US" xlink:label="lab_ibcp_PercentageOfVotingInterestOwnedByRelatedParty" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Director and officer ownership percentage exceeding a specific percentage amount.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_PercentageOfVotingInterestOwnedByRelatedParty" xlink:href="ibcp-20251231.xsd#ibcp_PercentageOfVotingInterestOwnedByRelatedParty"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_PercentageOfVotingInterestOwnedByRelatedParty" xlink:to="lab_ibcp_PercentageOfVotingInterestOwnedByRelatedParty" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersTable_a3118736-469f-4903-b019-222a3d61195f_terseLabel_en-US" xlink:label="lab_ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Loans and Financing Receivables Serviced For Others [Table]</link:label>
    <link:label id="lab_ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersTable_label_en-US" xlink:label="lab_ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Loans And Financing Receivables Serviced For Others [Table]</link:label>
    <link:label id="lab_ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersTable_documentation_en-US" xlink:label="lab_ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Schedule itemizing specific types of notes receivable serviced for others. May include for each the gross carrying value, allowance, and net carrying value as of the balance sheet date.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersTable" xlink:href="ibcp-20251231.xsd#ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersTable" xlink:to="lab_ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FederalHomeLoanBankAdvancesHomeEquityCollateral_80043183-5588-4118-ab50-23f956728801_terseLabel_en-US" xlink:label="lab_ibcp_FederalHomeLoanBankAdvancesHomeEquityCollateral" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal home loan bank, advances, interest rate</link:label>
    <link:label id="lab_ibcp_FederalHomeLoanBankAdvancesHomeEquityCollateral_label_en-US" xlink:label="lab_ibcp_FederalHomeLoanBankAdvancesHomeEquityCollateral" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank Advances Home Equity Collateral</link:label>
    <link:label id="lab_ibcp_FederalHomeLoanBankAdvancesHomeEquityCollateral_documentation_en-US" xlink:label="lab_ibcp_FederalHomeLoanBankAdvancesHomeEquityCollateral" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Hair cut percentage used on qualifying mortgage and home equity loan collateral.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FederalHomeLoanBankAdvancesHomeEquityCollateral" xlink:href="ibcp-20251231.xsd#ibcp_FederalHomeLoanBankAdvancesHomeEquityCollateral"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FederalHomeLoanBankAdvancesHomeEquityCollateral" xlink:to="lab_ibcp_FederalHomeLoanBankAdvancesHomeEquityCollateral" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock_4cd8cde9-8cd1-46d7-a969-139fb0817898_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Unrecognized Tax Benefits Roll Forward</link:label>
    <link:label id="lab_us-gaap_ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Unrecognized Tax Benefits Roll Forward [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_SummaryOfInterestExpenseOnDepositsTableTextBlock_9321bf6d-30d6-4281-a674-b374f5f60d55_terseLabel_en-US" xlink:label="lab_ibcp_SummaryOfInterestExpenseOnDepositsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of Interest Expense on Deposits</link:label>
    <link:label id="lab_ibcp_SummaryOfInterestExpenseOnDepositsTableTextBlock_label_en-US" xlink:label="lab_ibcp_SummaryOfInterestExpenseOnDepositsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Summary Of Interest Expense On Deposits [Table Text Block]</link:label>
    <link:label id="lab_ibcp_SummaryOfInterestExpenseOnDepositsTableTextBlock_documentation_en-US" xlink:label="lab_ibcp_SummaryOfInterestExpenseOnDepositsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of interest expense on deposits.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SummaryOfInterestExpenseOnDepositsTableTextBlock" xlink:href="ibcp-20251231.xsd#ibcp_SummaryOfInterestExpenseOnDepositsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_SummaryOfInterestExpenseOnDepositsTableTextBlock" xlink:to="lab_ibcp_SummaryOfInterestExpenseOnDepositsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate_019cb64f-14c1-7c8c-aa7c-64c1a8b0bc1e_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Advances, year five, amount</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advance, Maturity, Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FICOScore650To699Member_256ef861-962e-42ee-ab25-76cc86f2a257_terseLabel_en-US" xlink:label="lab_ibcp_FICOScore650To699Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">650-699</link:label>
    <link:label id="lab_ibcp_FICOScore650To699Member_label_en-US" xlink:label="lab_ibcp_FICOScore650To699Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">FICO Score, 650 to 699 [Member]</link:label>
    <link:label id="lab_ibcp_FICOScore650To699Member_documentation_en-US" xlink:label="lab_ibcp_FICOScore650To699Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">From 650 to 699 credit score as defined by the external credit rating agency, Fair Isaac Corporation (FICO). Element name and standard label in FICO Score [numeric lower end] to [numeric higher end] [Member] format.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FICOScore650To699Member" xlink:href="ibcp-20251231.xsd#ibcp_FICOScore650To699Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FICOScore650To699Member" xlink:to="lab_ibcp_FICOScore650To699Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_InstallmentPortfolioSegmentMember_6925d559-fde6-4b16-89fa-6015afce6745_terseLabel_en-US" xlink:label="lab_ibcp_InstallmentPortfolioSegmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Installment</link:label>
    <link:label id="lab_ibcp_InstallmentPortfolioSegmentMember_label_en-US" xlink:label="lab_ibcp_InstallmentPortfolioSegmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Installment Portfolio Segment [Member]</link:label>
    <link:label id="lab_ibcp_InstallmentPortfolioSegmentMember_documentation_en-US" xlink:label="lab_ibcp_InstallmentPortfolioSegmentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Portfolio segment of the company's total financing receivables related to installment financing receivables.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentPortfolioSegmentMember" xlink:href="ibcp-20251231.xsd#ibcp_InstallmentPortfolioSegmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_InstallmentPortfolioSegmentMember" xlink:to="lab_ibcp_InstallmentPortfolioSegmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_ResortLendingMember_748f4883-2e84-4176-ab25-9a1a5d62969e_terseLabel_en-US" xlink:label="lab_ibcp_ResortLendingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Resort lending</link:label>
    <link:label id="lab_ibcp_ResortLendingMember_label_en-US" xlink:label="lab_ibcp_ResortLendingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Resort Lending [Member]</link:label>
    <link:label id="lab_ibcp_ResortLendingMember_documentation_en-US" xlink:label="lab_ibcp_ResortLendingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Class of financing receivables related to resort lending financing receivables.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ResortLendingMember" xlink:href="ibcp-20251231.xsd#ibcp_ResortLendingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_ResortLendingMember" xlink:to="lab_ibcp_ResortLendingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_AmortizedCostOfCollateralDependentLoansByClassTableTextBlock_2b471242-6b5d-4654-8452-15fc14e602cf_terseLabel_en-US" xlink:label="lab_ibcp_AmortizedCostOfCollateralDependentLoansByClassTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amortized Cost of Collateral-dependent Loans by Class</link:label>
    <link:label id="lab_ibcp_AmortizedCostOfCollateralDependentLoansByClassTableTextBlock_label_en-US" xlink:label="lab_ibcp_AmortizedCostOfCollateralDependentLoansByClassTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amortized Cost Of Collateral-Dependent Loans By Class [Table Text Block]</link:label>
    <link:label id="lab_ibcp_AmortizedCostOfCollateralDependentLoansByClassTableTextBlock_documentation_en-US" xlink:label="lab_ibcp_AmortizedCostOfCollateralDependentLoansByClassTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of amortized cost of collateral-dependent loans of different classes..</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AmortizedCostOfCollateralDependentLoansByClassTableTextBlock" xlink:href="ibcp-20251231.xsd#ibcp_AmortizedCostOfCollateralDependentLoansByClassTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_AmortizedCostOfCollateralDependentLoansByClassTableTextBlock" xlink:to="lab_ibcp_AmortizedCostOfCollateralDependentLoansByClassTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeContractTypeDomain_a7c660bb-6fc3-4f0e-b4f3-dd8564ef3e96_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeContractTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Contract</link:label>
    <link:label id="lab_us-gaap_DerivativeContractTypeDomain_label_en-US" xlink:label="lab_us-gaap_DerivativeContractTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Contract [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeContractTypeDomain" xlink:to="lab_us-gaap_DerivativeContractTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_19fb4208-e9d7-4257-9bf8-7b42b78f8f23_negatedLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Reclassification adjustment for expense recognized in earnings</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_9368a68e-fead-4639-b711-f02918dbe1ef_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loss Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion)</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_10d2b522-bef8-44ce-83ca-d9a96cf7df4d_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:to="lab_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromIssuanceOfCommonStock_78c25239-2083-43c5-96d7-fc522f7bc929_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from issuance of common stock</link:label>
    <link:label id="lab_us-gaap_ProceedsFromIssuanceOfCommonStock_6d0c9a80-bd21-405d-98a7-0d10e346fb50_verboseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from issuance of common stock</link:label>
    <link:label id="lab_us-gaap_ProceedsFromIssuanceOfCommonStock_label_en-US" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Issuance of Common Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:to="lab_us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_OtherMiscellaneousNonInterestIncome_d4f88bcb-263c-4c4d-a177-cf87aad6f84b_terseLabel_en-US" xlink:label="lab_ibcp_OtherMiscellaneousNonInterestIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_ibcp_OtherMiscellaneousNonInterestIncome_label_en-US" xlink:label="lab_ibcp_OtherMiscellaneousNonInterestIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Miscellaneous Non-Interest Income</link:label>
    <link:label id="lab_ibcp_OtherMiscellaneousNonInterestIncome_documentation_en-US" xlink:label="lab_ibcp_OtherMiscellaneousNonInterestIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of other non-interest income which are not separately presented in any other noninterest income category.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_OtherMiscellaneousNonInterestIncome" xlink:href="ibcp-20251231.xsd#ibcp_OtherMiscellaneousNonInterestIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_OtherMiscellaneousNonInterestIncome" xlink:to="lab_ibcp_OtherMiscellaneousNonInterestIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet_a3d90ea4-2624-4d2d-af4a-882e06780700_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfers in and/or out of Level 3</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet"/>
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    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss_18144ded-5c04-44ba-8b71-97add3a5109e_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Losses realized on sale of securities available-for-sale</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Realized Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear10_55f899fb-473c-4d58-a3da-48e85b06e6cf_verboseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear10" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Maturing after ten years</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear10_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear10" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity, Amortized Cost Excluding Accrued Interest, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date, after Year 10</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear10" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear10"/>
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    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate_019c08a0-0814-7cce-b7cc-fb7526646b8d_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Advances year two, amount</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advance, Maturity, Year Two</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AllIndividualsMember_terseLabel_en-US" xlink:label="lab_ecd_AllIndividualsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">All Individuals</link:label>
    <link:label id="lab_ecd_AllIndividualsMember_label_en-US" xlink:label="lab_ecd_AllIndividualsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">All Individuals [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AllIndividualsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AllIndividualsMember" xlink:to="lab_ecd_AllIndividualsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongtermDebtTypeDomain_18a83fe7-08c9-4919-b3a0-8179b176c7de_terseLabel_en-US" xlink:label="lab_us-gaap_LongtermDebtTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Long-term Debt, Type</link:label>
    <link:label id="lab_us-gaap_LongtermDebtTypeDomain_label_en-US" xlink:label="lab_us-gaap_LongtermDebtTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongtermDebtTypeDomain" xlink:to="lab_us-gaap_LongtermDebtTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueDisclosuresAbstract_1808505e-b7ac-4f2b-a9bd-71d2ed451119_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueDisclosuresAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Disclosures [Abstract]</link:label>
    <link:label id="lab_us-gaap_FairValueDisclosuresAbstract_label_en-US" xlink:label="lab_us-gaap_FairValueDisclosuresAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Disclosures [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract" xlink:to="lab_us-gaap_FairValueDisclosuresAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_2a7be144-5c9a-4f31-b553-fb210eb7048c_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Capital expenditures</link:label>
    <link:label id="lab_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_label_en-US" xlink:label="lab_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments to Acquire Property, Plant, and Equipment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:to="lab_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ForgoneRecoveryIndName_terseLabel_en-US" xlink:label="lab_ecd_ForgoneRecoveryIndName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Name</link:label>
    <link:label id="lab_ecd_ForgoneRecoveryIndName_label_en-US" xlink:label="lab_ecd_ForgoneRecoveryIndName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forgone Recovery, Individual Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryIndName" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ForgoneRecoveryIndName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ForgoneRecoveryIndName" xlink:to="lab_ecd_ForgoneRecoveryIndName" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_ServicingAssetAtFairValueChangesInPayDowns_b58da193-2ca9-4f7b-a1a2-f18f5779b3a9_terseLabel_en-US" xlink:label="lab_ibcp_ServicingAssetAtFairValueChangesInPayDowns" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in fair value due to pay downs</link:label>
    <link:label id="lab_ibcp_ServicingAssetAtFairValueChangesInPayDowns_label_en-US" xlink:label="lab_ibcp_ServicingAssetAtFairValueChangesInPayDowns" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Asset at Fair Value, Changes in Pay Downs</link:label>
    <link:label id="lab_ibcp_ServicingAssetAtFairValueChangesInPayDowns_documentation_en-US" xlink:label="lab_ibcp_ServicingAssetAtFairValueChangesInPayDowns" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of increase (decrease) in fair value of servicing assets due to pay downs.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ServicingAssetAtFairValueChangesInPayDowns" xlink:href="ibcp-20251231.xsd#ibcp_ServicingAssetAtFairValueChangesInPayDowns"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_ServicingAssetAtFairValueChangesInPayDowns" xlink:to="lab_ibcp_ServicingAssetAtFairValueChangesInPayDowns" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember_terseLabel_en-US" xlink:label="lab_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Year-over-Year Change in Fair Value of Equity Awards Granted in Prior Years That are Outstanding and Unvested</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember"/>
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    <link:label id="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_e9b5b81a-1943-466d-a15f-2151c1595acb_terseLabel_en-US" xlink:label="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reclassified From AOCL</link:label>
    <link:label id="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_label_en-US" xlink:label="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification out of Accumulated Other Comprehensive Income [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember"/>
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    <link:label id="lab_ibcp_SummaryOfOtherBorrowingsAbstract_bff2d90c-a3f0-489c-908b-72e060ad0685_terseLabel_en-US" xlink:label="lab_ibcp_SummaryOfOtherBorrowingsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of Other Borrowings [Abstract]</link:label>
    <link:label id="lab_ibcp_SummaryOfOtherBorrowingsAbstract_label_en-US" xlink:label="lab_ibcp_SummaryOfOtherBorrowingsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Summary Of Other Borrowings [Abstract]</link:label>
    <link:label id="lab_ibcp_SummaryOfOtherBorrowingsAbstract_documentation_en-US" xlink:label="lab_ibcp_SummaryOfOtherBorrowingsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Summary of other borrowings [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SummaryOfOtherBorrowingsAbstract" xlink:href="ibcp-20251231.xsd#ibcp_SummaryOfOtherBorrowingsAbstract"/>
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    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationTaxCreditsInvestment_019c7533-c2a2-7f6f-b74c-598b935fb459_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationTaxCreditsInvestment" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Tax credit investments, net of amortization</link:label>
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationTaxCreditsInvestment_label_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationTaxCreditsInvestment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Tax Credit, Investment, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationTaxCreditsInvestment" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationTaxCreditsInvestment"/>
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    <link:label id="lab_ibcp_InterestRateCapTerminatedQ22023Member_3746b027-67f5-431c-a758-58c1fe72a149_terseLabel_en-US" xlink:label="lab_ibcp_InterestRateCapTerminatedQ22023Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest Rate Cap, Terminated Q2 2023</link:label>
    <link:label id="lab_ibcp_InterestRateCapTerminatedQ22023Member_label_en-US" xlink:label="lab_ibcp_InterestRateCapTerminatedQ22023Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Rate Cap, Terminated Q2 2023 [Member]</link:label>
    <link:label id="lab_ibcp_InterestRateCapTerminatedQ22023Member_documentation_en-US" xlink:label="lab_ibcp_InterestRateCapTerminatedQ22023Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest Rate Cap, Terminated Q2 2023</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InterestRateCapTerminatedQ22023Member" xlink:href="ibcp-20251231.xsd#ibcp_InterestRateCapTerminatedQ22023Member"/>
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    <link:label id="lab_ibcp_NonAccrual1011Member_fec367f0-28e0-4d86-bbcf-3cdc70d44101_terseLabel_en-US" xlink:label="lab_ibcp_NonAccrual1011Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-Accrual (10-11)</link:label>
    <link:label id="lab_ibcp_NonAccrual1011Member_label_en-US" xlink:label="lab_ibcp_NonAccrual1011Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non Accrual 10-11 [Member]</link:label>
    <link:label id="lab_ibcp_NonAccrual1011Member_documentation_en-US" xlink:label="lab_ibcp_NonAccrual1011Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">These loans are generally referred to as "substandard - non-accrual" and "doubtful" commercial credits. This rating includes loans to borrowers with weaknesses that make collection of debt in full, on the basis of current facts, conditions and values at best questionable and at worst improbable. All of these loans are placed in non-accrual.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NonAccrual1011Member" xlink:href="ibcp-20251231.xsd#ibcp_NonAccrual1011Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_NonAccrual1011Member" xlink:to="lab_ibcp_NonAccrual1011Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_ba367f47-8b0f-4ded-b31d-6e0e59d5b166_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross charge-offs, four years before current</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_04f9ded4-4655-492d-864f-c4710bea669f_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfHeldToMaturitySecuritiesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable" xlink:to="lab_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ErrCompAnalysisTextBlock_terseLabel_en-US" xlink:label="lab_ecd_ErrCompAnalysisTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Erroneous Compensation Analysis</link:label>
    <link:label id="lab_ecd_ErrCompAnalysisTextBlock_label_en-US" xlink:label="lab_ecd_ErrCompAnalysisTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Erroneous Compensation Analysis [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ErrCompAnalysisTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ErrCompAnalysisTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ErrCompAnalysisTextBlock" xlink:to="lab_ecd_ErrCompAnalysisTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_6c2529bd-bb68-4679-9ddf-dadb85038fda_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Finite-Lived Intangible Assets [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Intangible Asset, Finite-Lived [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xlink:to="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfHeldToMaturitySecurities_da7a9b59-1add-4993-bf9b-a748a472259e_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfHeldToMaturitySecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from sale of held-to-maturity</link:label>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfHeldToMaturitySecurities_label_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfHeldToMaturitySecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Sale of Held-to-Maturity Securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfHeldToMaturitySecurities" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromSaleOfHeldToMaturitySecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromSaleOfHeldToMaturitySecurities" xlink:to="lab_us-gaap_ProceedsFromSaleOfHeldToMaturitySecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherBorrowings_6d06b6cb-4899-4b7a-a5d8-726988d6bea5_verboseLabel_en-US" xlink:label="lab_us-gaap_OtherBorrowings" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other borrowings</link:label>
    <link:label id="lab_us-gaap_OtherBorrowings_44932768-789d-4d54-9cce-18a5e5c700ce_totalLabel_en-US" xlink:label="lab_us-gaap_OtherBorrowings" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_us-gaap_OtherBorrowings_label_en-US" xlink:label="lab_us-gaap_OtherBorrowings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Borrowings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherBorrowings" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherBorrowings"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherBorrowings" xlink:to="lab_us-gaap_OtherBorrowings" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_QuarterlyFinancialInformationTextBlock_1a8ae339-a7df-4997-9941-0da55a230e7d_terseLabel_en-US" xlink:label="lab_us-gaap_QuarterlyFinancialInformationTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">QUARTERLY FINANCIAL DATA (UNAUDITED)</link:label>
    <link:label id="lab_us-gaap_QuarterlyFinancialInformationTextBlock_label_en-US" xlink:label="lab_us-gaap_QuarterlyFinancialInformationTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Quarterly Financial Information [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_QuarterlyFinancialInformationTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_QuarterlyFinancialInformationTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_QuarterlyFinancialInformationTextBlock" xlink:to="lab_us-gaap_QuarterlyFinancialInformationTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommercialPortfolioSegmentMember_39b576d9-f3e0-4aa8-bb2a-9a2546e09c98_terseLabel_en-US" xlink:label="lab_us-gaap_CommercialPortfolioSegmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commercial</link:label>
    <link:label id="lab_us-gaap_CommercialPortfolioSegmentMember_label_en-US" xlink:label="lab_us-gaap_CommercialPortfolioSegmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commercial Portfolio Segment [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommercialPortfolioSegmentMember" xlink:to="lab_us-gaap_CommercialPortfolioSegmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_Rule10b51ArrTrmntdFlag_terseLabel_en-US" xlink:label="lab_ecd_Rule10b51ArrTrmntdFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Rule 10b5-1 Arrangement Terminated</link:label>
    <link:label id="lab_ecd_Rule10b51ArrTrmntdFlag_label_en-US" xlink:label="lab_ecd_Rule10b51ArrTrmntdFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Rule 10b5-1 Arrangement Terminated [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Rule10b51ArrTrmntdFlag" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_Rule10b51ArrTrmntdFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_Rule10b51ArrTrmntdFlag" xlink:to="lab_ecd_Rule10b51ArrTrmntdFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_EffectiveIncomeTaxRateReconciliationPurchasedTaxCreditPercent_019c7533-8ec9-7a80-9f77-21487b073adc_negatedTerseLabel_en-US" xlink:label="lab_ibcp_EffectiveIncomeTaxRateReconciliationPurchasedTaxCreditPercent" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Purchased tax credits</link:label>
    <link:label id="lab_ibcp_EffectiveIncomeTaxRateReconciliationPurchasedTaxCreditPercent_label_en-US" xlink:label="lab_ibcp_EffectiveIncomeTaxRateReconciliationPurchasedTaxCreditPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Purchased Tax Credit, Percent</link:label>
    <link:label id="lab_ibcp_EffectiveIncomeTaxRateReconciliationPurchasedTaxCreditPercent_documentation_en-US" xlink:label="lab_ibcp_EffectiveIncomeTaxRateReconciliationPurchasedTaxCreditPercent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Purchased Tax Credit, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_EffectiveIncomeTaxRateReconciliationPurchasedTaxCreditPercent" xlink:href="ibcp-20251231.xsd#ibcp_EffectiveIncomeTaxRateReconciliationPurchasedTaxCreditPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_EffectiveIncomeTaxRateReconciliationPurchasedTaxCreditPercent" xlink:to="lab_ibcp_EffectiveIncomeTaxRateReconciliationPurchasedTaxCreditPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityVariableRate_c2a3e8f6-66ff-454b-82d0-a250bf9f90e1_terseLabel_en-US" xlink:label="lab_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityVariableRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable interest rate</link:label>
    <link:label id="lab_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityVariableRate_label_en-US" xlink:label="lab_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityVariableRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contract Disclosure Off Balance Sheet Risks Liability Variable Rate</link:label>
    <link:label id="lab_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityVariableRate_documentation_en-US" xlink:label="lab_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityVariableRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Refers to variable rate on standby letters of credit.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityVariableRate" xlink:href="ibcp-20251231.xsd#ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityVariableRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityVariableRate" xlink:to="lab_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityVariableRate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FixedRateResidentialMortgageMember_8c393b70-499b-46bb-908d-c5c093b2ac06_terseLabel_en-US" xlink:label="lab_us-gaap_FixedRateResidentialMortgageMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fixed Rate Residential Mortgage</link:label>
    <link:label id="lab_us-gaap_FixedRateResidentialMortgageMember_label_en-US" xlink:label="lab_us-gaap_FixedRateResidentialMortgageMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fixed Rate Residential Mortgage [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FixedRateResidentialMortgageMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FixedRateResidentialMortgageMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FixedRateResidentialMortgageMember" xlink:to="lab_us-gaap_FixedRateResidentialMortgageMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockNoParValue_948016ef-6fba-4a6e-9014-53235e7f16c0_verboseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockNoParValue" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock, par value (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_PreferredStockNoParValue_label_en-US" xlink:label="lab_us-gaap_PreferredStockNoParValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, No Par Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockNoParValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockNoParValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockNoParValue" xlink:to="lab_us-gaap_PreferredStockNoParValue" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAmount_6bef03ed-4b3d-4169-b6e6-dbf15922b8c9_terseLabel_en-US" xlink:label="lab_ibcp_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Troubled loan modification, amount</link:label>
    <link:label id="lab_ibcp_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAmount_label_en-US" xlink:label="lab_ibcp_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Modified In Period, Amount</link:label>
    <link:label id="lab_ibcp_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAmount_documentation_en-US" xlink:label="lab_ibcp_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Modified In Period, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAmount" xlink:href="ibcp-20251231.xsd#ibcp_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAmount" xlink:to="lab_ibcp_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FinancingReceivableModifiedInPeriodToTotalFinancingReceivablesPercentage_6d70f8fb-9252-47bf-8c3b-075320cd3f6f_terseLabel_en-US" xlink:label="lab_ibcp_FinancingReceivableModifiedInPeriodToTotalFinancingReceivablesPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Troubled loan modifications to total loans, percentage</link:label>
    <link:label id="lab_ibcp_FinancingReceivableModifiedInPeriodToTotalFinancingReceivablesPercentage_label_en-US" xlink:label="lab_ibcp_FinancingReceivableModifiedInPeriodToTotalFinancingReceivablesPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified In Period, To Total Financing Receivables, Percentage</link:label>
    <link:label id="lab_ibcp_FinancingReceivableModifiedInPeriodToTotalFinancingReceivablesPercentage_documentation_en-US" xlink:label="lab_ibcp_FinancingReceivableModifiedInPeriodToTotalFinancingReceivablesPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified In Period, To Total Financing Receivables, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableModifiedInPeriodToTotalFinancingReceivablesPercentage" xlink:href="ibcp-20251231.xsd#ibcp_FinancingReceivableModifiedInPeriodToTotalFinancingReceivablesPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FinancingReceivableModifiedInPeriodToTotalFinancingReceivablesPercentage" xlink:to="lab_ibcp_FinancingReceivableModifiedInPeriodToTotalFinancingReceivablesPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ErrCompRecoveryTable_terseLabel_en-US" xlink:label="lab_ecd_ErrCompRecoveryTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Erroneously Awarded Compensation Recovery</link:label>
    <link:label id="lab_ecd_ErrCompRecoveryTable_label_en-US" xlink:label="lab_ecd_ErrCompRecoveryTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Erroneously Awarded Compensation Recovery [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ErrCompRecoveryTable" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ErrCompRecoveryTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ErrCompRecoveryTable" xlink:to="lab_ecd_ErrCompRecoveryTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_TransactionBasedRevenueMember_533a18de-0d4a-46a5-87ec-755c47ddaa25_terseLabel_en-US" xlink:label="lab_ibcp_TransactionBasedRevenueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transaction based revenue</link:label>
    <link:label id="lab_ibcp_TransactionBasedRevenueMember_label_en-US" xlink:label="lab_ibcp_TransactionBasedRevenueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transaction Based Revenue [Member]</link:label>
    <link:label id="lab_ibcp_TransactionBasedRevenueMember_documentation_en-US" xlink:label="lab_ibcp_TransactionBasedRevenueMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Transaction-based fees, which includes services such as ATM use fees, stop payment charges and ACH fees are recognized at the time the transaction is executed as that is the time we fulfill our customer's request.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_TransactionBasedRevenueMember" xlink:href="ibcp-20251231.xsd#ibcp_TransactionBasedRevenueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_TransactionBasedRevenueMember" xlink:to="lab_ibcp_TransactionBasedRevenueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_Security12bTitle_5d1092da-7f6e-4fe1-86d1-9d91e1c59e90_terseLabel_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Security12bTitle</link:label>
    <link:label id="lab_dei_Security12bTitle_label_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Title of 12(b) Security</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_Security12bTitle"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_Security12bTitle" xlink:to="lab_dei_Security12bTitle" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_b3c64d05-924e-4bf5-ad28-04838e036592_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provision for credit losses</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Credit Loss Expense (Reversal)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_MortgageLoanServicingRightsSaleHoldbackAmount_c141a73e-59ad-478f-97da-efc9dd02eaf1_terseLabel_en-US" xlink:label="lab_ibcp_MortgageLoanServicingRightsSaleHoldbackAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Holdback amount</link:label>
    <link:label id="lab_ibcp_MortgageLoanServicingRightsSaleHoldbackAmount_label_en-US" xlink:label="lab_ibcp_MortgageLoanServicingRightsSaleHoldbackAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Loan Servicing Rights, Sale Holdback, Amount</link:label>
    <link:label id="lab_ibcp_MortgageLoanServicingRightsSaleHoldbackAmount_documentation_en-US" xlink:label="lab_ibcp_MortgageLoanServicingRightsSaleHoldbackAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage Loan Servicing Rights, Sale Holdback, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_MortgageLoanServicingRightsSaleHoldbackAmount" xlink:href="ibcp-20251231.xsd#ibcp_MortgageLoanServicingRightsSaleHoldbackAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_MortgageLoanServicingRightsSaleHoldbackAmount" xlink:to="lab_ibcp_MortgageLoanServicingRightsSaleHoldbackAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTable_4b647f2b-6857-4181-9612-31e4188dc8e6_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Unrealized Loss Position, Fair Value [Table]</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTable_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Unrealized Loss Position, Fair Value [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTable" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FiniteLivedIntangibleAssetUsefulLifeAbstract_3ff9a0b7-45a3-4bf2-83b6-f58ee403f3e1_terseLabel_en-US" xlink:label="lab_ibcp_FiniteLivedIntangibleAssetUsefulLifeAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Finite Lived Intangible Asset Useful Life [Abstract]</link:label>
    <link:label id="lab_ibcp_FiniteLivedIntangibleAssetUsefulLifeAbstract_label_en-US" xlink:label="lab_ibcp_FiniteLivedIntangibleAssetUsefulLifeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite Lived Intangible Asset Useful Life [Abstract]</link:label>
    <link:label id="lab_ibcp_FiniteLivedIntangibleAssetUsefulLifeAbstract_documentation_en-US" xlink:label="lab_ibcp_FiniteLivedIntangibleAssetUsefulLifeAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Finite Lived Intangible Asset Useful Life [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FiniteLivedIntangibleAssetUsefulLifeAbstract" xlink:href="ibcp-20251231.xsd#ibcp_FiniteLivedIntangibleAssetUsefulLifeAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FiniteLivedIntangibleAssetUsefulLifeAbstract" xlink:to="lab_ibcp_FiniteLivedIntangibleAssetUsefulLifeAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EquipmentExpense_973bb538-4857-4ae3-b7b8-c7969a3b7102_terseLabel_en-US" xlink:label="lab_us-gaap_EquipmentExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Furniture, fixtures and equipment</link:label>
    <link:label id="lab_us-gaap_EquipmentExpense_label_en-US" xlink:label="lab_us-gaap_EquipmentExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equipment Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquipmentExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquipmentExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquipmentExpense" xlink:to="lab_us-gaap_EquipmentExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_AnalysisOfCapitalizedMortgageLoanServicingRightsRollForward_a9efb1c6-d24b-4ca1-a06d-d1c58998be64_terseLabel_en-US" xlink:label="lab_ibcp_AnalysisOfCapitalizedMortgageLoanServicingRightsRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Analysis Of Capitalized Mortgage Loan Servicing Rights [Roll Forward]</link:label>
    <link:label id="lab_ibcp_AnalysisOfCapitalizedMortgageLoanServicingRightsRollForward_label_en-US" xlink:label="lab_ibcp_AnalysisOfCapitalizedMortgageLoanServicingRightsRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Analysis Of Capitalized Mortgage Loan Servicing Rights [Roll Forward]</link:label>
    <link:label id="lab_ibcp_AnalysisOfCapitalizedMortgageLoanServicingRightsRollForward_documentation_en-US" xlink:label="lab_ibcp_AnalysisOfCapitalizedMortgageLoanServicingRightsRollForward" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Analysis of capitalized mortgage loan servicing rights [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AnalysisOfCapitalizedMortgageLoanServicingRightsRollForward" xlink:href="ibcp-20251231.xsd#ibcp_AnalysisOfCapitalizedMortgageLoanServicingRightsRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_AnalysisOfCapitalizedMortgageLoanServicingRightsRollForward" xlink:to="lab_ibcp_AnalysisOfCapitalizedMortgageLoanServicingRightsRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EarningsPerShareAbstract_a7b51fcb-961f-41e7-ae56-b5a66b981d3d_terseLabel_en-US" xlink:label="lab_us-gaap_EarningsPerShareAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net income per common share</link:label>
    <link:label id="lab_us-gaap_EarningsPerShareAbstract_label_en-US" xlink:label="lab_us-gaap_EarningsPerShareAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareAbstract" xlink:to="lab_us-gaap_EarningsPerShareAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive_8869ca5f-870f-4c70-a5c2-971252f5cf89_terseLabel_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2030</link:label>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive_label_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessee, Operating Lease, Liability, to be Paid, Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive" xlink:to="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_ATMFeesMember_b145dc9c-232e-4aee-9d43-2b55ce4943af_terseLabel_en-US" xlink:label="lab_ibcp_ATMFeesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ATM fees</link:label>
    <link:label id="lab_ibcp_ATMFeesMember_label_en-US" xlink:label="lab_ibcp_ATMFeesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ATM Fees [Member]</link:label>
    <link:label id="lab_ibcp_ATMFeesMember_documentation_en-US" xlink:label="lab_ibcp_ATMFeesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Transaction-based fees, which includes services such as ATM use fees.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ATMFeesMember" xlink:href="ibcp-20251231.xsd#ibcp_ATMFeesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_ATMFeesMember" xlink:to="lab_ibcp_ATMFeesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FICOScore500To549Member_383d97cc-a7a6-4a38-a6b3-bf92b88d88ce_terseLabel_en-US" xlink:label="lab_ibcp_FICOScore500To549Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">500-549</link:label>
    <link:label id="lab_ibcp_FICOScore500To549Member_label_en-US" xlink:label="lab_ibcp_FICOScore500To549Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">FICO Score, 500 to 549 [Member]</link:label>
    <link:label id="lab_ibcp_FICOScore500To549Member_documentation_en-US" xlink:label="lab_ibcp_FICOScore500To549Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">From 500 to 549 credit score as defined by the external credit rating agency, Fair Isaac Corporation (FICO). Element name and standard label in FICO Score [numeric lower end] to [numeric higher end] [Member] format.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FICOScore500To549Member" xlink:href="ibcp-20251231.xsd#ibcp_FICOScore500To549Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FICOScore500To549Member" xlink:to="lab_ibcp_FICOScore500To549Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_QuarterlyFinancialInformationDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_QuarterlyFinancialInformationDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Quarterly Financial Information Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_QuarterlyFinancialInformationDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_QuarterlyFinancialInformationDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_QuarterlyFinancialInformationDisclosureAbstract" xlink:to="lab_us-gaap_QuarterlyFinancialInformationDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_d3d93dbb-ffda-4f22-acb6-a837d08d6678_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross charge-offs, two years before current</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationDeductionsEmployeeStockOwnershipPlanDividends_019ca1e6-6ad4-7636-84b9-01af6fb7abf8_negatedLabel_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationDeductionsEmployeeStockOwnershipPlanDividends" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Employee stock ownership plan dividends</link:label>
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationDeductionsEmployeeStockOwnershipPlanDividends_label_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationDeductionsEmployeeStockOwnershipPlanDividends" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Deduction, Employee Stock Ownership Plan Dividend, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationDeductionsEmployeeStockOwnershipPlanDividends" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationDeductionsEmployeeStockOwnershipPlanDividends"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationDeductionsEmployeeStockOwnershipPlanDividends" xlink:to="lab_us-gaap_EffectiveIncomeTaxRateReconciliationDeductionsEmployeeStockOwnershipPlanDividends" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShortTermDebtTypeAxis_06f4b038-3287-47aa-9ea9-a5d8890d36d5_terseLabel_en-US" xlink:label="lab_us-gaap_ShortTermDebtTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Short-term Debt, Type [Axis]</link:label>
    <link:label id="lab_us-gaap_ShortTermDebtTypeAxis_label_en-US" xlink:label="lab_us-gaap_ShortTermDebtTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Short-Term Debt, Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShortTermDebtTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShortTermDebtTypeAxis" xlink:to="lab_us-gaap_ShortTermDebtTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FinancingReceivableAllowanceForCreditLossesLossGivenDefaultAssumptionsForecastPeriod_019b4eca-5f5e-742d-b3d2-a5c6d0fad53a_terseLabel_en-US" xlink:label="lab_ibcp_FinancingReceivableAllowanceForCreditLossesLossGivenDefaultAssumptionsForecastPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loss given default forecast period</link:label>
    <link:label id="lab_ibcp_FinancingReceivableAllowanceForCreditLossesLossGivenDefaultAssumptionsForecastPeriod_label_en-US" xlink:label="lab_ibcp_FinancingReceivableAllowanceForCreditLossesLossGivenDefaultAssumptionsForecastPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance For Credit Losses, Loss Given Default Assumptions, Forecast Period</link:label>
    <link:label id="lab_ibcp_FinancingReceivableAllowanceForCreditLossesLossGivenDefaultAssumptionsForecastPeriod_documentation_en-US" xlink:label="lab_ibcp_FinancingReceivableAllowanceForCreditLossesLossGivenDefaultAssumptionsForecastPeriod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance For Credit Losses, Loss Given Default Assumptions, Forecast Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAllowanceForCreditLossesLossGivenDefaultAssumptionsForecastPeriod" xlink:href="ibcp-20251231.xsd#ibcp_FinancingReceivableAllowanceForCreditLossesLossGivenDefaultAssumptionsForecastPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FinancingReceivableAllowanceForCreditLossesLossGivenDefaultAssumptionsForecastPeriod" xlink:to="lab_ibcp_FinancingReceivableAllowanceForCreditLossesLossGivenDefaultAssumptionsForecastPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_24b5fcbb-f1ba-423f-ad34-648fdc8e8bde_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss [Line Items]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:to="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_711be83f-9496-4ed1-a4a6-4ed6c757f10f_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exercised (in dollars per share)</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice"/>
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    <link:label id="lab_ecd_AwardTmgDiscLineItems_label_en-US" xlink:label="lab_ecd_AwardTmgDiscLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing Disclosures [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgDiscLineItems" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardTmgDiscLineItems"/>
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    <link:label id="lab_ibcp_OtherRealEstateAcquiredDisposals_d2fc8e3f-b616-4f5c-85ad-b6a5fe34533f_negatedLabel_en-US" xlink:label="lab_ibcp_OtherRealEstateAcquiredDisposals" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Sales of other real estate</link:label>
    <link:label id="lab_ibcp_OtherRealEstateAcquiredDisposals_label_en-US" xlink:label="lab_ibcp_OtherRealEstateAcquiredDisposals" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Real Estate, Acquired Disposals</link:label>
    <link:label id="lab_ibcp_OtherRealEstateAcquiredDisposals_documentation_en-US" xlink:label="lab_ibcp_OtherRealEstateAcquiredDisposals" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disposals of real estate assets taken in settlement of troubled loans through surrender or foreclosure.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_OtherRealEstateAcquiredDisposals" xlink:href="ibcp-20251231.xsd#ibcp_OtherRealEstateAcquiredDisposals"/>
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    <link:label id="lab_ibcp_EffectOfDerivativeFinancialInstrumentsOnConsolidatedFinancialStatementsOfOperationsAbstract_902ff33d-107e-4d66-bda4-8162805dd64f_terseLabel_en-US" xlink:label="lab_ibcp_EffectOfDerivativeFinancialInstrumentsOnConsolidatedFinancialStatementsOfOperationsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]</link:label>
    <link:label id="lab_ibcp_EffectOfDerivativeFinancialInstrumentsOnConsolidatedFinancialStatementsOfOperationsAbstract_label_en-US" xlink:label="lab_ibcp_EffectOfDerivativeFinancialInstrumentsOnConsolidatedFinancialStatementsOfOperationsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effect Of Derivative Financial Instruments On Consolidated Financial Statements Of Operations [Abstract]</link:label>
    <link:label id="lab_ibcp_EffectOfDerivativeFinancialInstrumentsOnConsolidatedFinancialStatementsOfOperationsAbstract_documentation_en-US" xlink:label="lab_ibcp_EffectOfDerivativeFinancialInstrumentsOnConsolidatedFinancialStatementsOfOperationsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Effect Of Derivative Financial Instruments On Consolidated Financial Statements Of Operations [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_EffectOfDerivativeFinancialInstrumentsOnConsolidatedFinancialStatementsOfOperationsAbstract" xlink:href="ibcp-20251231.xsd#ibcp_EffectOfDerivativeFinancialInstrumentsOnConsolidatedFinancialStatementsOfOperationsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_EffectOfDerivativeFinancialInstrumentsOnConsolidatedFinancialStatementsOfOperationsAbstract" xlink:to="lab_ibcp_EffectOfDerivativeFinancialInstrumentsOnConsolidatedFinancialStatementsOfOperationsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementFrequencyDomain_d028c609-7c6c-4c43-9b3d-b6d388b04857_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementFrequencyDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Frequency</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementFrequencyDomain_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementFrequencyDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Frequency [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain" xlink:to="lab_us-gaap_FairValueMeasurementFrequencyDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBanksAbstract_6ccba6ea-16e4-4b5b-bd4b-5650f8e35a0c_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBanksAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal Home Loan Banks [Abstract]</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBanksAbstract_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBanksAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Banks [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBanksAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBanksAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBanksAbstract" xlink:to="lab_us-gaap_FederalHomeLoanBanksAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract_7bf533c7-6b2f-4d35-91b4-517bcf83b20e_verboseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Assets and liabilities measured at fair value [Abstract]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract" xlink:to="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpenseDomesticDepositLiabilitiesBrokered_b8fb2cda-a71f-4331-b136-4178f8d0678c_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseDomesticDepositLiabilitiesBrokered" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Brokered time</link:label>
    <link:label id="lab_us-gaap_InterestExpenseDomesticDepositLiabilitiesBrokered_label_en-US" xlink:label="lab_us-gaap_InterestExpenseDomesticDepositLiabilitiesBrokered" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense Domestic Deposit Liabilities, Brokered</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseDomesticDepositLiabilitiesBrokered" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseDomesticDepositLiabilitiesBrokered"/>
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    <link:label id="lab_us-gaap_StockholdersEquityNoteDisclosureTextBlock_5a7fb718-0f75-4efd-b6a6-fb469b22f995_verboseLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquityNoteDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">SHAREHOLDERS&#8217; EQUITY AND NET INCOME PER COMMON SHARE</link:label>
    <link:label id="lab_us-gaap_StockholdersEquityNoteDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_StockholdersEquityNoteDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityNoteDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityNoteDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockholdersEquityNoteDisclosureTextBlock" xlink:to="lab_us-gaap_StockholdersEquityNoteDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_OverdraftFeesMember_86b1458b-df52-4754-b64e-aeaf0a45e57e_terseLabel_en-US" xlink:label="lab_ibcp_OverdraftFeesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Overdraft fees</link:label>
    <link:label id="lab_ibcp_OverdraftFeesMember_label_en-US" xlink:label="lab_ibcp_OverdraftFeesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Overdraft Fees [Member]</link:label>
    <link:label id="lab_ibcp_OverdraftFeesMember_documentation_en-US" xlink:label="lab_ibcp_OverdraftFeesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Revenues are earned on depository accounts for commercial and retail customers and include fees for overdraft services.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_OverdraftFeesMember" xlink:href="ibcp-20251231.xsd#ibcp_OverdraftFeesMember"/>
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    <link:label id="lab_us-gaap_LoanRestructuringModificationDomain_2ed9aaaa-7818-4772-b810-bdaeb6608af7_terseLabel_en-US" xlink:label="lab_us-gaap_LoanRestructuringModificationDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan Restructuring Modification [Domain]</link:label>
    <link:label id="lab_us-gaap_LoanRestructuringModificationDomain_label_en-US" xlink:label="lab_us-gaap_LoanRestructuringModificationDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan Restructuring Modification [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoanRestructuringModificationDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain" xlink:to="lab_us-gaap_LoanRestructuringModificationDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_477deb43-51eb-4b9a-8d0e-2c40e3425af6_totalLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Loans outstanding, net</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetIncomeLoss_08efda4f-56a6-4841-89b4-5887933296f2_totalLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net Income</link:label>
    <link:label id="lab_us-gaap_NetIncomeLoss_adc00bed-9358-4502-8171-42bc5753f472_terseLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net income</link:label>
    <link:label id="lab_us-gaap_NetIncomeLoss_00a6c67d-e3ad-4af9-be39-2fb05adab38a_verboseLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLoss" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Reclassifications, net of tax</link:label>
    <link:label id="lab_us-gaap_NetIncomeLoss_label_en-US" xlink:label="lab_us-gaap_NetIncomeLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Income (Loss) Attributable to Parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetIncomeLoss" xlink:to="lab_us-gaap_NetIncomeLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_CollateralDependentLoansAbstract_8ee20526-b684-41cd-8bbb-86d28c564dba_terseLabel_en-US" xlink:label="lab_ibcp_CollateralDependentLoansAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collateral Dependent Loans [Abstract]</link:label>
    <link:label id="lab_ibcp_CollateralDependentLoansAbstract_label_en-US" xlink:label="lab_ibcp_CollateralDependentLoansAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collateral Dependent Loans [Abstract]</link:label>
    <link:label id="lab_ibcp_CollateralDependentLoansAbstract_documentation_en-US" xlink:label="lab_ibcp_CollateralDependentLoansAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Collateral dependent loans [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CollateralDependentLoansAbstract" xlink:href="ibcp-20251231.xsd#ibcp_CollateralDependentLoansAbstract"/>
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    <link:label id="lab_us-gaap_CapitalToRiskWeightedAssets_12734f5c-8e58-47b3-857f-5da056fc8982_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actual, ratio</link:label>
    <link:label id="lab_us-gaap_CapitalToRiskWeightedAssets_label_en-US" xlink:label="lab_us-gaap_CapitalToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Total Risk-Based Capital Ratio, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalToRiskWeightedAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CapitalToRiskWeightedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CapitalToRiskWeightedAssets" xlink:to="lab_us-gaap_CapitalToRiskWeightedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_051e37dd-d142-48f6-a926-1cc3e4a512dc_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Reconciliation of Income Tax Expense</link:label>
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    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_657cc641-1bcd-4df3-8dd9-3b25325b4521_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Vesting period</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1"/>
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    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments_9e7c152d-1168-4b76-8b90-f594b8567c6e_terseLabel_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other, net</link:label>
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments_label_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Other Adjustments, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments"/>
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    <link:label id="lab_us-gaap_SegmentReportingInformationLineItems_d264f8ed-91dc-46fc-aaa0-483b495e3b71_terseLabel_en-US" xlink:label="lab_us-gaap_SegmentReportingInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Segment Reporting Information [Line Items]</link:label>
    <link:label id="lab_us-gaap_SegmentReportingInformationLineItems_label_en-US" xlink:label="lab_us-gaap_SegmentReportingInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment Reporting Information [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingInformationLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentReportingInformationLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems" xlink:to="lab_us-gaap_SegmentReportingInformationLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockSharesAuthorized_ad7c8921-40ee-4e7b-9e00-2fba37337faa_verboseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockSharesAuthorized" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock, shares authorized (in shares)</link:label>
    <link:label id="lab_us-gaap_PreferredStockSharesAuthorized_label_en-US" xlink:label="lab_us-gaap_PreferredStockSharesAuthorized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Shares Authorized</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesAuthorized" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockSharesAuthorized"/>
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    <link:label id="lab_ibcp_CommonStockClassCMember_512a7b4e-e288-419b-9999-60f868ba07f8_terseLabel_en-US" xlink:label="lab_ibcp_CommonStockClassCMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common Stock, Class C</link:label>
    <link:label id="lab_ibcp_CommonStockClassCMember_label_en-US" xlink:label="lab_ibcp_CommonStockClassCMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Class C [Member]</link:label>
    <link:label id="lab_ibcp_CommonStockClassCMember_documentation_en-US" xlink:label="lab_ibcp_CommonStockClassCMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Common Stock, Class C</link:label>
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    <link:label id="lab_us-gaap_PaymentsForRepurchaseOfCommonStock_faa27306-bd1a-4aef-9d85-229d4914f2c6_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Repurchase of common stock</link:label>
    <link:label id="lab_us-gaap_PaymentsForRepurchaseOfCommonStock_label_en-US" xlink:label="lab_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments for Repurchase of Common Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:to="lab_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrAdoptionDate_terseLabel_en-US" xlink:label="lab_ecd_TrdArrAdoptionDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adoption Date</link:label>
    <link:label id="lab_ecd_TrdArrAdoptionDate_label_en-US" xlink:label="lab_ecd_TrdArrAdoptionDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement Adoption Date</link:label>
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    <link:label id="lab_us-gaap_PriorPeriodReclassificationAdjustmentDescription_8a608acf-259a-4a2f-bb59-1ee1f93dedd0_terseLabel_en-US" xlink:label="lab_us-gaap_PriorPeriodReclassificationAdjustmentDescription" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">RECLASSIFICATION</link:label>
    <link:label id="lab_us-gaap_PriorPeriodReclassificationAdjustmentDescription_label_en-US" xlink:label="lab_us-gaap_PriorPeriodReclassificationAdjustmentDescription" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification, Comparability Adjustment [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PriorPeriodReclassificationAdjustmentDescription" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PriorPeriodReclassificationAdjustmentDescription"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PriorPeriodReclassificationAdjustmentDescription" xlink:to="lab_us-gaap_PriorPeriodReclassificationAdjustmentDescription" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ContractWithCustomerAssetNet_fb64eec6-708e-4eb6-b136-bbc3163b069a_terseLabel_en-US" xlink:label="lab_us-gaap_ContractWithCustomerAssetNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Contract with customer, asset, after allowance for credit loss</link:label>
    <link:label id="lab_us-gaap_ContractWithCustomerAssetNet_label_en-US" xlink:label="lab_us-gaap_ContractWithCustomerAssetNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contract with Customer, Asset, after Allowance for Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractWithCustomerAssetNet" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractWithCustomerAssetNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ContractWithCustomerAssetNet" xlink:to="lab_us-gaap_ContractWithCustomerAssetNet" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_OtherRealEstateValuationAllowanceRollForwardTableTextBlock_59432ca5-2da9-4143-8d86-f6f4f242ef2a_terseLabel_en-US" xlink:label="lab_ibcp_OtherRealEstateValuationAllowanceRollForwardTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Valuation Allowance for Other Real Estate Owned</link:label>
    <link:label id="lab_ibcp_OtherRealEstateValuationAllowanceRollForwardTableTextBlock_label_en-US" xlink:label="lab_ibcp_OtherRealEstateValuationAllowanceRollForwardTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Real Estate Valuation Allowance Roll Forward [Table Text Block]</link:label>
    <link:label id="lab_ibcp_OtherRealEstateValuationAllowanceRollForwardTableTextBlock_documentation_en-US" xlink:label="lab_ibcp_OtherRealEstateValuationAllowanceRollForwardTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of the change in real estate valuation allowance.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_OtherRealEstateValuationAllowanceRollForwardTableTextBlock" xlink:href="ibcp-20251231.xsd#ibcp_OtherRealEstateValuationAllowanceRollForwardTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_OtherRealEstateValuationAllowanceRollForwardTableTextBlock" xlink:to="lab_ibcp_OtherRealEstateValuationAllowanceRollForwardTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_ba251a5e-8a1f-47c8-9a67-11ccf8515462_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFinancingReceivablesPastDueTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Past Due [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfFinancingReceivablesPastDueTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Past Due [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable"/>
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    <link:label id="lab_ibcp_ResidentialHomeEquityAndOtherJuniorMortgagesMember_fe82f239-6c49-48a4-8a9d-9d6a0825046e_terseLabel_en-US" xlink:label="lab_ibcp_ResidentialHomeEquityAndOtherJuniorMortgagesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commercial real estate</link:label>
    <link:label id="lab_ibcp_ResidentialHomeEquityAndOtherJuniorMortgagesMember_label_en-US" xlink:label="lab_ibcp_ResidentialHomeEquityAndOtherJuniorMortgagesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Residential Home Equity And Other Junior Mortgages [Member]</link:label>
    <link:label id="lab_ibcp_ResidentialHomeEquityAndOtherJuniorMortgagesMember_documentation_en-US" xlink:label="lab_ibcp_ResidentialHomeEquityAndOtherJuniorMortgagesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Residential home equity and other junior mortgages.</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_ResidentialHomeEquityAndOtherJuniorMortgagesMember" xlink:to="lab_ibcp_ResidentialHomeEquityAndOtherJuniorMortgagesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_MajorCustomersAxis_615d40e8-9af8-451c-88d8-d4a0a713e532_terseLabel_en-US" xlink:label="lab_srt_MajorCustomersAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Customer [Axis]</link:label>
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    <link:label id="lab_ibcp_InvestmentAndInsuranceCommissionsMember_76f80ba9-5778-4d59-9ad0-e1693c20ae70_terseLabel_en-US" xlink:label="lab_ibcp_InvestmentAndInsuranceCommissionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment and Insurance Commissions</link:label>
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    <link:label id="lab_ibcp_InvestmentAndInsuranceCommissionsMember_documentation_en-US" xlink:label="lab_ibcp_InvestmentAndInsuranceCommissionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Investment and insurance commissions include fees and commissions from asset management, custody, recordkeeping, investment advisory and other services provided to our customers. Revenue is recognized on an accrual basis at the time the services are performed and are generally based on either the market value of the assets managed or the services provided.</link:label>
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    <link:label id="lab_us-gaap_OperatingIncomeLoss_5003cafb-db3b-4e61-abd5-85ec2e486747_totalLabel_en-US" xlink:label="lab_us-gaap_OperatingIncomeLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total Operating Income</link:label>
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    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesInterestRate_291a4170-1f26-485f-a6ff-1bccae26f286_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesInterestRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total FHLB advances, rate</link:label>
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    <link:label id="lab_us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesBeforeTaxPeriodIncreaseDecreaseAbstract_ea5a68c1-df70-472c-9416-5382e787d680_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesBeforeTaxPeriodIncreaseDecreaseAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative instruments</link:label>
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    <link:label id="lab_us-gaap_ResidentialPortfolioSegmentMember_793daad6-0739-4205-bfe4-acb5613a55aa_terseLabel_en-US" xlink:label="lab_us-gaap_ResidentialPortfolioSegmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage</link:label>
    <link:label id="lab_us-gaap_ResidentialPortfolioSegmentMember_label_en-US" xlink:label="lab_us-gaap_ResidentialPortfolioSegmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Residential Portfolio Segment [Member]</link:label>
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    <link:label id="lab_ibcp_FederalHomeLoanBankStockAsPercentagesOfOutstandingAdvances_documentation_en-US" xlink:label="lab_ibcp_FederalHomeLoanBankStockAsPercentagesOfOutstandingAdvances" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents minimum percentage of unpaid principal balance of FHLB advances that needs to be held in the form of federal home loan bank stock.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FederalHomeLoanBankStockAsPercentagesOfOutstandingAdvances" xlink:href="ibcp-20251231.xsd#ibcp_FederalHomeLoanBankStockAsPercentagesOfOutstandingAdvances"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FederalHomeLoanBankStockAsPercentagesOfOutstandingAdvances" xlink:to="lab_ibcp_FederalHomeLoanBankStockAsPercentagesOfOutstandingAdvances" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember_terseLabel_en-US" xlink:label="lab_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Year-end Fair Value of Equity Awards Granted in Covered Year that are Outstanding and Unvested</link:label>
    <link:label id="lab_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember_label_en-US" xlink:label="lab_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Year-end Fair Value of Equity Awards Granted in Covered Year that are Outstanding and Unvested [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:to="lab_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageServicingFeeRate_f85dc651-3bc9-4e3c-8baf-e1112ef6dff6_terseLabel_en-US" xlink:label="lab_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageServicingFeeRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Average servicing fee</link:label>
    <link:label id="lab_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageServicingFeeRate_label_en-US" xlink:label="lab_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageServicingFeeRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Assets And Servicing Liabilities At Fair Value, Assumptions Used To Estimate Fair Value, Average Servicing Fee Rate</link:label>
    <link:label id="lab_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageServicingFeeRate_documentation_en-US" xlink:label="lab_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageServicingFeeRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The average servicing fee rate used to estimate the fair value of servicing assets and servicing liabilities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageServicingFeeRate" xlink:href="ibcp-20251231.xsd#ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageServicingFeeRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageServicingFeeRate" xlink:to="lab_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageServicingFeeRate" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsNumberOfAnalystsUsedInForecast_019b4eca-5f5e-7855-8c05-244b7835088b_terseLabel_en-US" xlink:label="lab_ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsNumberOfAnalystsUsedInForecast" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of analysts used in forecast</link:label>
    <link:label id="lab_ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsNumberOfAnalystsUsedInForecast_label_en-US" xlink:label="lab_ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsNumberOfAnalystsUsedInForecast" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance For Credit Losses, Probability Of Default Assumptions, Number Of Analysts Used In Forecast</link:label>
    <link:label id="lab_ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsNumberOfAnalystsUsedInForecast_documentation_en-US" xlink:label="lab_ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsNumberOfAnalystsUsedInForecast" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance For Credit Losses, Probability Of Default Assumptions, Number Of Analysts Used In Forecast</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsNumberOfAnalystsUsedInForecast" xlink:href="ibcp-20251231.xsd#ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsNumberOfAnalystsUsedInForecast"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsNumberOfAnalystsUsedInForecast" xlink:to="lab_ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsNumberOfAnalystsUsedInForecast" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_DeferredTaxAssetDebtSecuritiesHeldToMaturityTransferredFromAvailableForSaleUnrealizedLoss_5bc6bed3-01dc-4f66-a6fb-8c13badeb3dc_terseLabel_en-US" xlink:label="lab_ibcp_DeferredTaxAssetDebtSecuritiesHeldToMaturityTransferredFromAvailableForSaleUnrealizedLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unrealized loss on securities HTM transferred from AFS</link:label>
    <link:label id="lab_ibcp_DeferredTaxAssetDebtSecuritiesHeldToMaturityTransferredFromAvailableForSaleUnrealizedLoss_label_en-US" xlink:label="lab_ibcp_DeferredTaxAssetDebtSecuritiesHeldToMaturityTransferredFromAvailableForSaleUnrealizedLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Asset, Debt Securities, Held-to-Maturity Transferred From Available-for-Sale, Unrealized Loss</link:label>
    <link:label id="lab_ibcp_DeferredTaxAssetDebtSecuritiesHeldToMaturityTransferredFromAvailableForSaleUnrealizedLoss_documentation_en-US" xlink:label="lab_ibcp_DeferredTaxAssetDebtSecuritiesHeldToMaturityTransferredFromAvailableForSaleUnrealizedLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Tax Asset, Debt Securities, Held-to-Maturity Transferred From Available-for-Sale, Unrealized Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DeferredTaxAssetDebtSecuritiesHeldToMaturityTransferredFromAvailableForSaleUnrealizedLoss" xlink:href="ibcp-20251231.xsd#ibcp_DeferredTaxAssetDebtSecuritiesHeldToMaturityTransferredFromAvailableForSaleUnrealizedLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_DeferredTaxAssetDebtSecuritiesHeldToMaturityTransferredFromAvailableForSaleUnrealizedLoss" xlink:to="lab_ibcp_DeferredTaxAssetDebtSecuritiesHeldToMaturityTransferredFromAvailableForSaleUnrealizedLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRate_d1eae01d-b545-4225-9943-0566cff35beb_terseLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Average discount rate</link:label>
    <link:label id="lab_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRate_label_en-US" xlink:label="lab_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Discount Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRate" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRate" xlink:to="lab_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsToAcquireHeldToMaturitySecurities_714c3ba4-82e0-4652-966d-863a6fe50512_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireHeldToMaturitySecurities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Purchases of securities held to maturity</link:label>
    <link:label id="lab_us-gaap_PaymentsToAcquireHeldToMaturitySecurities_label_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireHeldToMaturitySecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments to Acquire Held-to-Maturity Securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireHeldToMaturitySecurities" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireHeldToMaturitySecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsToAcquireHeldToMaturitySecurities" xlink:to="lab_us-gaap_PaymentsToAcquireHeldToMaturitySecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_LessorsOfNonresidentialRealEstateMember_a1175b07-1d33-4497-9495-4166a1290f31_terseLabel_en-US" xlink:label="lab_ibcp_LessorsOfNonresidentialRealEstateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Lessors of Nonresidential Real Estate</link:label>
    <link:label id="lab_ibcp_LessorsOfNonresidentialRealEstateMember_label_en-US" xlink:label="lab_ibcp_LessorsOfNonresidentialRealEstateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessors of Nonresidential Real Estate [Member]</link:label>
    <link:label id="lab_ibcp_LessorsOfNonresidentialRealEstateMember_documentation_en-US" xlink:label="lab_ibcp_LessorsOfNonresidentialRealEstateMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Refers to concentration of credit risk to lessor nonresidential real estate.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_LessorsOfNonresidentialRealEstateMember" xlink:href="ibcp-20251231.xsd#ibcp_LessorsOfNonresidentialRealEstateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_LessorsOfNonresidentialRealEstateMember" xlink:to="lab_ibcp_LessorsOfNonresidentialRealEstateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_cfc15b04-4ccf-48de-bba2-b78e6e64128f_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unrealized Gains (Losses) on Derivative Instruments</link:label>
    <link:label id="lab_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_label_en-US" xlink:label="lab_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated Gain (Loss), Net, Cash Flow Hedge, Parent [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember" xlink:to="lab_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsequentEventTypeDomain_20847019-a065-4357-85ca-099cd9d8fce8_terseLabel_en-US" xlink:label="lab_us-gaap_SubsequentEventTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsequent Event Type</link:label>
    <link:label id="lab_us-gaap_SubsequentEventTypeDomain_label_en-US" xlink:label="lab_us-gaap_SubsequentEventTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Event Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SubsequentEventTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventTypeDomain" xlink:to="lab_us-gaap_SubsequentEventTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankLineItems_d5c0435b-49a1-4479-883c-5b784625086e_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankLineItems_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advance, Branch of FHLBank [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankLineItems" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum_2b4cd9ba-4d90-4288-b7a0-f97ccd8c8d0e_terseLabel_en-US" xlink:label="lab_us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Capital conservation buffer</link:label>
    <link:label id="lab_us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum_label_en-US" xlink:label="lab_us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Capital Conservation Buffer, Capital Conserved, Minimum</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum" xlink:to="lab_us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_Family14SecondLienMember_48d181bf-90d3-48d4-87f4-598b67114a8d_terseLabel_en-US" xlink:label="lab_ibcp_Family14SecondLienMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">1-4 family - 2nd lien</link:label>
    <link:label id="lab_ibcp_Family14SecondLienMember_label_en-US" xlink:label="lab_ibcp_Family14SecondLienMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Family 1 4, Second Lien [Member]</link:label>
    <link:label id="lab_ibcp_Family14SecondLienMember_documentation_en-US" xlink:label="lab_ibcp_Family14SecondLienMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Class of financing receivables related to 1-4 family second lien financing receivables.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14SecondLienMember" xlink:href="ibcp-20251231.xsd#ibcp_Family14SecondLienMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_Family14SecondLienMember" xlink:to="lab_ibcp_Family14SecondLienMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember_terseLabel_en-US" xlink:label="lab_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate Grant Date Fair Value of Equity Award Amounts Reported in Summary Compensation Table</link:label>
    <link:label id="lab_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember_label_en-US" xlink:label="lab_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Aggregate Grant Date Fair Value of Equity Award Amounts Reported in Summary Compensation Table [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember" xlink:to="lab_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_ConstructionAndLandDevelopmentLoansMember_7b1b2ba7-c6c2-40bc-9073-a5ded705d7af_terseLabel_en-US" xlink:label="lab_ibcp_ConstructionAndLandDevelopmentLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Construction and Land Development</link:label>
    <link:label id="lab_ibcp_ConstructionAndLandDevelopmentLoansMember_label_en-US" xlink:label="lab_ibcp_ConstructionAndLandDevelopmentLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Construction and Land Development Loans [Member]</link:label>
    <link:label id="lab_ibcp_ConstructionAndLandDevelopmentLoansMember_documentation_en-US" xlink:label="lab_ibcp_ConstructionAndLandDevelopmentLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Refers to concentration of credit risk to construction and land development loans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ConstructionAndLandDevelopmentLoansMember" xlink:href="ibcp-20251231.xsd#ibcp_ConstructionAndLandDevelopmentLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_ConstructionAndLandDevelopmentLoansMember" xlink:to="lab_ibcp_ConstructionAndLandDevelopmentLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxLiabilitiesOther_a762b6f1-914d-4099-81f1-4c74ac39b366_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilitiesOther" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_us-gaap_DeferredTaxLiabilitiesOther_label_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilitiesOther" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Other</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesOther" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxLiabilitiesOther"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxLiabilitiesOther" xlink:to="lab_us-gaap_DeferredTaxLiabilitiesOther" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementTable_be5576fa-8b59-42ba-9d15-1fcd4810dba3_terseLabel_en-US" xlink:label="lab_us-gaap_StatementTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statement [Table]</link:label>
    <link:label id="lab_us-gaap_StatementTable_label_en-US" xlink:label="lab_us-gaap_StatementTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementTable"/>
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    <link:label id="lab_ibcp_OffBalanceSheetRisksAbstract_75493b8d-1a00-4744-b60a-0dcbde36da9e_terseLabel_en-US" xlink:label="lab_ibcp_OffBalanceSheetRisksAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Off-Balance Sheet Risks [Abstract]</link:label>
    <link:label id="lab_ibcp_OffBalanceSheetRisksAbstract_label_en-US" xlink:label="lab_ibcp_OffBalanceSheetRisksAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Off-Balance Sheet Risks [Abstract]</link:label>
    <link:label id="lab_ibcp_OffBalanceSheetRisksAbstract_documentation_en-US" xlink:label="lab_ibcp_OffBalanceSheetRisksAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Off-balance Sheet Risks [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_OffBalanceSheetRisksAbstract" xlink:href="ibcp-20251231.xsd#ibcp_OffBalanceSheetRisksAbstract"/>
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    <link:label id="lab_us-gaap_RestrictedAssetsDisclosureTextBlock_c67a99bf-9769-45a4-b458-d9eb4842b01b_verboseLabel_en-US" xlink:label="lab_us-gaap_RestrictedAssetsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">RESTRICTIONS ON CASH AND DUE FROM BANKS</link:label>
    <link:label id="lab_us-gaap_RestrictedAssetsDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_RestrictedAssetsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restricted Assets Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedAssetsDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RestrictedAssetsDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RestrictedAssetsDisclosureTextBlock" xlink:to="lab_us-gaap_RestrictedAssetsDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredIncomeTaxExpenseBenefit_0b107db2-138e-44ab-8426-20c3d97b5a2b_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred expense (benefit)</link:label>
    <link:label id="lab_us-gaap_DeferredIncomeTaxExpenseBenefit_label_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Income Tax Expense (Benefit)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:to="lab_us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_1cdda840-54fd-415c-9b4f-18b06464c24e_terseLabel_en-US" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ADJUSTMENTS TO RECONCILE NET INCOME TO NET CASH FROM OPERATING ACTIVITIES</link:label>
    <link:label id="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_972c96e7-41d1-499a-a78f-2bf6de16de5b_verboseLabel_en-US" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">ADJUSTMENTS TO RECONCILE NET INCOME TO NET CASH FROM OPERATING ACTIVITIES</link:label>
    <link:label id="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_label_en-US" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustment to Reconcile Net Income to Cash Provided by (Used in) Operating Activity [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations_b7d25f4c-19be-4474-b26a-0dd5526166b6_negatedLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Reductions due to the statute of limitations</link:label>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations_label_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrecognized Tax Benefits, Reduction Resulting from Lapse of Applicable Statute of Limitations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations"/>
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    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_80f2f8ac-0d95-4fe0-bf5a-d463e743a088_terseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">CASH FLOW FROM FINANCING ACTIVITIES</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_222d7a6e-fe1a-404c-af6d-a873ef6470dd_verboseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">CASH FLOW USED IN FINANCING ACTIVITIES</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Provided by (Used in) Financing Activity, Including Discontinued Operation [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
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    <link:label id="lab_ibcp_OtherMortgageLoansServicedMember_2260ef4b-e2e6-4c80-985d-7ce8163670e1_terseLabel_en-US" xlink:label="lab_ibcp_OtherMortgageLoansServicedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_ibcp_OtherMortgageLoansServicedMember_label_en-US" xlink:label="lab_ibcp_OtherMortgageLoansServicedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Mortgage Loans Serviced [Member]</link:label>
    <link:label id="lab_ibcp_OtherMortgageLoansServicedMember_documentation_en-US" xlink:label="lab_ibcp_OtherMortgageLoansServicedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Refers to other mortgage loans serviced.</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_OtherMortgageLoansServicedMember" xlink:to="lab_ibcp_OtherMortgageLoansServicedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ibcp_DeferredTaxAssetsReserveForUnfundedLendingCommitments_3f34207f-42ca-48e3-a781-167197d2d4ea_terseLabel_en-US" xlink:label="lab_ibcp_DeferredTaxAssetsReserveForUnfundedLendingCommitments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reserve for unfunded lending commitments</link:label>
    <link:label id="lab_ibcp_DeferredTaxAssetsReserveForUnfundedLendingCommitments_label_en-US" xlink:label="lab_ibcp_DeferredTaxAssetsReserveForUnfundedLendingCommitments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Reserve for Unfunded Lending Commitments</link:label>
    <link:label id="lab_ibcp_DeferredTaxAssetsReserveForUnfundedLendingCommitments_documentation_en-US" xlink:label="lab_ibcp_DeferredTaxAssetsReserveForUnfundedLendingCommitments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from reserve for unfunded lending commitments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DeferredTaxAssetsReserveForUnfundedLendingCommitments" xlink:href="ibcp-20251231.xsd#ibcp_DeferredTaxAssetsReserveForUnfundedLendingCommitments"/>
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    <link:label id="lab_us-gaap_ContractWithCustomerLiability_c4e95476-20a0-48dd-938a-9d8efca89ce1_terseLabel_en-US" xlink:label="lab_us-gaap_ContractWithCustomerLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Contract with customer, liability</link:label>
    <link:label id="lab_us-gaap_ContractWithCustomerLiability_label_en-US" xlink:label="lab_us-gaap_ContractWithCustomerLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contract with Customer, Liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractWithCustomerLiability" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractWithCustomerLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ContractWithCustomerLiability" xlink:to="lab_us-gaap_ContractWithCustomerLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_cef23b52-3d69-48f4-881f-ec38f35d9cc1_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securities AFS, Amortized Cost</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Amortized Cost, Fiscal Year Maturity [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract"/>
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    <link:label id="lab_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityWithoutSingleMaturityDate_37c3687f-8052-4925-9a3c-6aad57e7b730_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityWithoutSingleMaturityDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Held to maturity securities, without single maturity date, amortized cost</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityWithoutSingleMaturityDate" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityWithoutSingleMaturityDate"/>
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    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_3b86329d-5f5c-4dd7-a3dd-c0a81bb31600_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Reconciliation for all Assets Measured at Fair Value on a Recurring Basis Using Significant Unobservable Inputs (Level 3)</link:label>
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    <link:label id="lab_ecd_AllAdjToCompMember_terseLabel_en-US" xlink:label="lab_ecd_AllAdjToCompMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">All Adjustments to Compensation</link:label>
    <link:label id="lab_ecd_AllAdjToCompMember_label_en-US" xlink:label="lab_ecd_AllAdjToCompMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">All Adjustments to Compensation [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllAdjToCompMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AllAdjToCompMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AllAdjToCompMember" xlink:to="lab_ecd_AllAdjToCompMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ContractualInterestRateReductionMember_6f5b09ce-7e41-4db9-989a-07ae2cb150f2_terseLabel_en-US" xlink:label="lab_us-gaap_ContractualInterestRateReductionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Contractual Interest Rate Reduction</link:label>
    <link:label id="lab_us-gaap_ContractualInterestRateReductionMember_label_en-US" xlink:label="lab_us-gaap_ContractualInterestRateReductionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contractual Interest Rate Reduction [Member]</link:label>
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    <link:label id="lab_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValue_2ff792ef-141a-4637-a321-21d52846bc7d_totalLabel_en-US" xlink:label="lab_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValue" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total securities held-to-maturity, fair value</link:label>
    <link:label id="lab_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValue_label_en-US" xlink:label="lab_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity, Maturity, Allocated and Single Maturity Date, Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValue"/>
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    <link:label id="lab_dei_AmendmentFlag_d959ac26-47d4-4cdd-8db2-dc432e89f8f5_terseLabel_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amendment flag</link:label>
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    <link:label id="lab_ibcp_ServicingAssetUnrealizedGainLoss_b969776e-e1e5-4462-8436-b0b8c4491f04_terseLabel_en-US" xlink:label="lab_ibcp_ServicingAssetUnrealizedGainLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Capitalized mortgage loan servicing rights</link:label>
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    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds_68fd7dbd-9a73-4b5c-a4a4-4f33e0d48345_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unused borrowing capacity with FHLB</link:label>
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    <link:label id="lab_us-gaap_ProceedsFromSaleOfForeclosedAssets_88c0bd09-66d5-4443-b949-df940191623f_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfForeclosedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from the sale of other real estate and repossessed assets</link:label>
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    <link:label id="lab_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_dfe955e8-bbd5-49c8-a707-4ad7145e7741_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unrealized gain arising during period</link:label>
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    <link:label id="lab_ibcp_StockRepurchaseProgramPercentageOfSharesAuthorizedToBeRepurchased_7a32e512-d69c-4d9f-b654-dce2194ac6ac_verboseLabel_en-US" xlink:label="lab_ibcp_StockRepurchaseProgramPercentageOfSharesAuthorizedToBeRepurchased" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Percentage of outstanding common stock authorized to be repurchased</link:label>
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    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_bbcd9abb-0825-42e8-b6b1-9d9eeeadd9d5_totalLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Securities available-for-sale, amortized cost</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Amortized Cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis"/>
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    <link:label id="lab_ecd_PnsnAdjsPrrSvcCstMember_terseLabel_en-US" xlink:label="lab_ecd_PnsnAdjsPrrSvcCstMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pension Adjustments Prior Service Cost</link:label>
    <link:label id="lab_ecd_PnsnAdjsPrrSvcCstMember_label_en-US" xlink:label="lab_ecd_PnsnAdjsPrrSvcCstMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pension Adjustments Prior Service Cost [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnAdjsPrrSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PnsnAdjsPrrSvcCstMember"/>
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    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions_f8d19252-c071-41ba-94b2-5f07c891faf9_terseLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additions based on tax positions related to the current year</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions"/>
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    <link:label id="lab_ecd_MtrlTermsOfTrdArrTextBlock_terseLabel_en-US" xlink:label="lab_ecd_MtrlTermsOfTrdArrTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Material Terms of Trading Arrangement</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ecd_MtrlTermsOfTrdArrTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_MtrlTermsOfTrdArrTextBlock"/>
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    <link:label id="lab_ibcp_SubordinatedDebtInformationAbstract_d3f5b0cd-41ea-4d52-a780-51343f40048e_terseLabel_en-US" xlink:label="lab_ibcp_SubordinatedDebtInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated Debt [Abstract]</link:label>
    <link:label id="lab_ibcp_SubordinatedDebtInformationAbstract_label_en-US" xlink:label="lab_ibcp_SubordinatedDebtInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Debt Information [Abstract]</link:label>
    <link:label id="lab_ibcp_SubordinatedDebtInformationAbstract_documentation_en-US" xlink:label="lab_ibcp_SubordinatedDebtInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subordinated Debt Information [Abstract]</link:label>
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    <link:label id="lab_us-gaap_FinancialInstrumentPerformanceStatusDomain_f3a4b29b-0119-49a2-80f3-09682b8aaae6_terseLabel_en-US" xlink:label="lab_us-gaap_FinancialInstrumentPerformanceStatusDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Instrument Performance Status</link:label>
    <link:label id="lab_us-gaap_FinancialInstrumentPerformanceStatusDomain_label_en-US" xlink:label="lab_us-gaap_FinancialInstrumentPerformanceStatusDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Instrument Performance Status [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentPerformanceStatusDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentPerformanceStatusDomain"/>
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    <link:label id="lab_us-gaap_DepositsSavingsDeposits_945dd90b-c7aa-4c92-b1aa-12c120d3603c_terseLabel_en-US" xlink:label="lab_us-gaap_DepositsSavingsDeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Savings and interest-bearing checking</link:label>
    <link:label id="lab_us-gaap_DepositsSavingsDeposits_label_en-US" xlink:label="lab_us-gaap_DepositsSavingsDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits, Savings Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsSavingsDeposits" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepositsSavingsDeposits"/>
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    <link:label id="lab_us-gaap_StockIssuedDuringPeriodValueNewIssues_eb10dd37-62d1-477b-b873-c47e6a507115_verboseLabel_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Issuance of common stock</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues"/>
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    <link:label id="lab_us-gaap_AssetBackedSecuritiesMember_6b03dd56-eb6f-4bef-9717-0b565ad3e56d_terseLabel_en-US" xlink:label="lab_us-gaap_AssetBackedSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other asset backed</link:label>
    <link:label id="lab_us-gaap_AssetBackedSecuritiesMember_label_en-US" xlink:label="lab_us-gaap_AssetBackedSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset-Backed Securities [Member]</link:label>
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    <link:label id="lab_srt_ConsolidationItemsAxis_1309bd5e-3d10-4ec3-aeaa-15439febdb6f_terseLabel_en-US" xlink:label="lab_srt_ConsolidationItemsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidation Items [Axis]</link:label>
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    <link:label id="lab_ibcp_AccommodationAndFoodServicesMember_acd16e8a-f7fb-4752-9fbe-b743d822df17_terseLabel_en-US" xlink:label="lab_ibcp_AccommodationAndFoodServicesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accommodation and Food Services</link:label>
    <link:label id="lab_ibcp_AccommodationAndFoodServicesMember_label_en-US" xlink:label="lab_ibcp_AccommodationAndFoodServicesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accommodation and Food Services [Member]</link:label>
    <link:label id="lab_ibcp_AccommodationAndFoodServicesMember_documentation_en-US" xlink:label="lab_ibcp_AccommodationAndFoodServicesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Concentration of credit risk to accommodation and food services.</link:label>
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    <link:label id="lab_ibcp_RecreationalVehicleLendingMember_a8713cba-6ac7-4c8d-bf68-a1804a74b5e3_terseLabel_en-US" xlink:label="lab_ibcp_RecreationalVehicleLendingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Recreational vehicle lending</link:label>
    <link:label id="lab_ibcp_RecreationalVehicleLendingMember_label_en-US" xlink:label="lab_ibcp_RecreationalVehicleLendingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Recreational Vehicle Lending [Member]</link:label>
    <link:label id="lab_ibcp_RecreationalVehicleLendingMember_documentation_en-US" xlink:label="lab_ibcp_RecreationalVehicleLendingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Class of financing receivables related to recreational vehicle lending financing receivables.</link:label>
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    <link:label id="lab_srt_CounterpartyNameAxis_9b58399a-c158-42a7-8ff7-e4cc3eeaff12_terseLabel_en-US" xlink:label="lab_srt_CounterpartyNameAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Counterparty Name [Axis]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_srt_CounterpartyNameAxis" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_CounterpartyNameAxis"/>
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    <link:label id="lab_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_4f3c0ec8-519d-442f-8412-b3a012c452e1_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from maturities, prepayments and calls of securities held to maturity</link:label>
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    <link:label id="lab_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_2aa8cf78-ea1b-4516-9e4f-2677ba2f7efa_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securities held to maturity (fair value of $282,830 at December 31, 2025 and $301,860 at December 31, 2024)</link:label>
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    <link:label id="lab_dei_EntityIncorporationStateCountryCode_9b531401-397a-4608-a370-0eb9c6ec4451_terseLabel_en-US" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
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    <link:label id="lab_ibcp_CapitalizedMortgageLoanServicingRightsPolicyTextBlock_2ff80e6c-5eab-4795-9cfe-be5675edc5af_terseLabel_en-US" xlink:label="lab_ibcp_CapitalizedMortgageLoanServicingRightsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">CAPITALIZED MORTGAGE LOAN SERVICING RIGHTS</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonNeosMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_NonNeosMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NonNeosMember" xlink:to="lab_ecd_NonNeosMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CorporateDebtSecuritiesMember_6d7e3ae2-ffbf-4291-b264-e6723936f64c_terseLabel_en-US" xlink:label="lab_us-gaap_CorporateDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Corporate</link:label>
    <link:label id="lab_us-gaap_CorporateDebtSecuritiesMember_label_en-US" xlink:label="lab_us-gaap_CorporateDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Corporate Debt Securities [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CorporateDebtSecuritiesMember" xlink:to="lab_us-gaap_CorporateDebtSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashProceedsReceivedAndTaxBenefitFromShareBasedPaymentAwardsTableTextBlock_008a57a5-2047-4442-b806-fa7e1fb70af1_terseLabel_en-US" xlink:label="lab_us-gaap_CashProceedsReceivedAndTaxBenefitFromShareBasedPaymentAwardsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Cash Proceeds and Tax Benefit from share-Based Payment Awards Exercised</link:label>
    <link:label id="lab_us-gaap_CashProceedsReceivedAndTaxBenefitFromShareBasedPaymentAwardsTableTextBlock_label_en-US" xlink:label="lab_us-gaap_CashProceedsReceivedAndTaxBenefitFromShareBasedPaymentAwardsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Proceeds Received and Tax Benefit from Share-Based Payment Awards [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashProceedsReceivedAndTaxBenefitFromShareBasedPaymentAwardsTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashProceedsReceivedAndTaxBenefitFromShareBasedPaymentAwardsTableTextBlock"/>
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    <link:label id="lab_ibcp_FICOScore550To599Member_6660ab00-d300-4c0d-999e-00ced69d8d34_terseLabel_en-US" xlink:label="lab_ibcp_FICOScore550To599Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">550-599</link:label>
    <link:label id="lab_ibcp_FICOScore550To599Member_label_en-US" xlink:label="lab_ibcp_FICOScore550To599Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">FICO Score, 550 to 599 [Member]</link:label>
    <link:label id="lab_ibcp_FICOScore550To599Member_documentation_en-US" xlink:label="lab_ibcp_FICOScore550To599Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">From 550 to 599 credit score as defined by the external credit rating agency, Fair Isaac Corporation (FICO). Element name and standard label in FICO Score [numeric lower end] to [numeric higher end] [Member] format.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FICOScore550To599Member" xlink:href="ibcp-20251231.xsd#ibcp_FICOScore550To599Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ibcp_FICOScore550To599Member" xlink:to="lab_ibcp_FICOScore550To599Member" xlink:type="arc" order="1"/>
    <link:label id="lab_country_US_label_en-US" xlink:label="lab_country_US" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">UNITED STATES</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_country_US" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_US"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_country_US" xlink:to="lab_country_US" xlink:type="arc" order="1"/>
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</link:linkbase>
