{"schema_version":"secwatch.filing_event.v1","accession":"0000776901-24-000104","form_type":"8-K","ticker":"INDB","cik":"0000776901","company_name":"INDEPENDENT BANK CORP","filed_at":"2024-04-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:21.954857+00:00","generated_at":"2026-06-03T21:12:50.760128+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Independent Bank Corp Q1 net income $47.8M, EPS $1.12; NIM down 15 bps to 3.23%","bullets":["Net income of $47.8M ($1.12 diluted EPS) vs Q4 2023 $54.8M ($1.26); ROAA 1.00%, ROAE 6.63%.","Net interest margin fell 15 bps to 3.23%; net interest income down 5.3% to $137.4M.","Deposits grew $177.7M (1.2%) to $15.0B; borrowings down $193M (15.8%).","Completed $100M share buyback with $31M repurchased in Q1; 532,266 shares at avg $58.22.","Guidance: Q2 2024 NIM expected 3.20-3.25%; loan growth flat to low single digit."],"urls":{"canonical":"https://secwatch.observer/filing/0000776901-24-000104","json":"https://secwatch.observer/filing/0000776901-24-000104.json","markdown":"https://secwatch.observer/filing/0000776901-24-000104.md","text":"https://secwatch.observer/filing/0000776901-24-000104.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/776901/000077690124000104/0000776901-24-000104-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/776901/000077690124000104/indb-20240418.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T21:12:50.760128+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}