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Independent Bank Corp (INDB) investor relations material
Independent Bank Corp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary18 Jul, 2025
Executive summary
Q2 2025 net income was $51.1M ($1.20 EPS), with strong C&I and deposit growth, reduced nonperforming assets, and a $150M stock buyback plan announced.
Enterprise Bancorp acquisition closed July 1, 2025, adding significant loans, deposits, and branches, with integration progressing and core conversion planned for October 2025.
Net interest margin held at 3.37%, with robust capital levels and a diversified, low-cost deposit base.
Wealth management AUA grew to $7.4B, with investment management revenues up year-over-year.
Maintained efficient cost structure and disciplined expense control amid a competitive environment.
Financial highlights
Q2 2025 GAAP net income was $51.1M; diluted EPS $1.20; operating net income $53.5M; operating EPS $1.25.
Net interest income (FTE) was $148.7M, up 6.9% year-over-year; net interest margin 3.37%.
Noninterest income rose 6.1% year-over-year to $34.3M, led by deposit fees and investment management.
Noninterest expense increased to $108.8M, including $2.2M in merger expenses.
Tangible book value per share increased $0.99 to $48.80, up 2.1% sequentially and 8% year-over-year.
Outlook and guidance
Q3 2025 guidance: low single-digit organic loan growth, flat to slightly down deposit balances, and margin expansion to mid-3.6% range.
Noninterest income and expense expected to rise low single digits; tax rate for Q3 projected at 23%.
Full cost synergies from Enterprise deal expected in Q1 2026, targeting 30% of Enterprise's expense base.
Focus on organic growth, disciplined expense control, and successful integration of Enterprise Bancorp.
Core operating conversion of Enterprise Bancorp scheduled for October 2025.
Explain the new stock repurchase plan.
What drove the increase in Q2 noninterest income?
What is the expected timing for core conversion?
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Next Independent Bank Corp earnings date
Q3 202517 Oct, 2025
Next Independent Bank Corp earnings date
Q3 202517 Oct, 2025
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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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