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Independent Bank Corp (INDB) investor relations material
Independent Bank Corp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary17 Oct, 2025
Executive summary
Closed the Enterprise Bancorp acquisition on July 1, 2025, expanding presence in Northern MA and Southern NH, adding 27 branches, $3.9B in loans, and $4.4B in deposits, and increasing scale and density in key markets.
Achieved strong profitability with consistent margins, efficient cost structure, and robust organic C&I loan growth, despite merger-related costs and credit loss provisions.
Maintained a strong balance sheet, prudent risk management, and significant capital buffer.
Net interest margin rose 25 basis points to 3.62% sequentially, driven by purchase accounting accretion and higher asset yields.
Maintained a client-centric focus, successfully adopting beneficial practices from Enterprise and retaining nearly all client-facing personnel.
Financial highlights
Q3 2025 GAAP net income was $34.3M ($0.69/diluted share); operating net income was $77.4M ($1.55/diluted share).
Net interest income for Q3 2025 was $203.3M, up 43.3% year-over-year.
Total assets reached $25.0B; loans grew to $18.5B; deposits rose to $20.3B, with core deposits at 83.1%.
Net interest margin improved to 3.62%, up 25 bps from the prior quarter.
Wealth management assets under administration reached $9.2B, up over 25% sequentially, including $1.4B from Enterprise.
Outlook and guidance
Expect low single-digit percentage increases in loans and deposits for Q4 2025.
Anticipate 4–6 basis points of NIM expansion (adjusted basis) in Q4.
Non-interest income expected to be flat to a low single-digit increase; core expenses to decrease by $2M.
Full realization of 30% cost saves from Enterprise expected by Q1 2026; $3–5M in one-time costs for core system upgrade in Q4.
Focus remains on organic growth, disciplined expense control, and maintaining strong capital and liquidity positions.
Enterprise acquisition's efficiency ratio impact?
Acquired portfolio's asset quality trend?
Organic deposit growth headwinds?
What is Enterprise's expected loan growth contribution?
Office CRE criticized loan resolution progress?
Capital deployment and buyback strategy?
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Next Independent Bank Corp earnings date
Q4 202521 Jan, 2026
Next Independent Bank Corp earnings date
Q4 202521 Jan, 2026
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Frequently asked questions
Independent Bank Corp. is a bank holding company that operates through its subsidiary, Rockland Trust Company. Rockland Trust provides a wide range of banking, investment, and trust services to individuals, businesses, and institutions. Its offerings include personal and business banking products, such as checking and savings accounts, mortgages, commercial loans, and cash management services. Additionally, the bank provides investment management and trust services for its clients. The company primarily serves customers in Massachusetts and parts of Rhode Island, with a network of branches and ATMs across the region. Independent Bank Corp. is headquartered in Rockland, Massachusetts, and its shares are listed on the NASDAQ.
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