INDB INDEPENDENT BANK CORP
FY2025 10-K
INDEPENDENT BANK CORP (INDB) filed its fiscal year 2025 10-K annual report with the SEC on Feb 27, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
Business Overview
- • Core business model: Community-based banking focused on loan and deposit growth, wealth management, and fee income generation
- • New emphasis on integrating $3.9B loans, $4.4B deposits, and 27 branches from July 2025 Enterprise acquisition
Management Discussion & Analysis
- • No revenue or profitability figures disclosed in provided text
- • No segment performance data or specific dollar amounts available
Risk Factors
- • Regulatory risk: Increased FDIC and Federal Reserve scrutiny post-2023 bank failures may raise compliance costs and regulatory penalties
- • Macroeconomic risk: 77.2% loan portfolio concentration in Massachusetts/New England, vulnerable to local economic downturns including real estate value declines
Financial SummaryXBRL
Revenue
$1.0B
Net Income
$205M
Net Margin
20.1%
ROE
5.8%
Total Assets
$24.9B
EPS (Diluted)
$4.44
Operating Cash Flow
$251M
Source: XBRL data from INDEPENDENT BANK CORP FY2025 10-K filing on SEC EDGAR. All figures in USD.
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