{"schema_version":"secwatch.filing_event.v1","accession":"0000776901-25-000004","form_type":"8-K","ticker":"INDB","cik":"0000776901","company_name":"INDEPENDENT BANK CORP","filed_at":"2025-01-16T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.329015+00:00","generated_at":"2026-05-28T00:38:50.490412+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Independent Bank Corp Q4 net income $50.0M; NIM expands, provision falls","bullets":["Net income $50.0M ($1.18 diluted EPS), up from $42.9M ($1.01) in Q3.","Operating net income $51.4M ($1.21 diluted), excluding $1.9M merger costs for pending Enterprise acquisition.","Net interest margin expanded 4 bps to 3.33%; core margin up 2 bps to 3.31%.","Provision for credit losses fell to $7.5M from $19.5M; nonperforming loans decreased to $101.5M.","Tangible book value per share rose $0.39 to $46.96; total loans grew 1.0% (4.1% annualized)."],"urls":{"canonical":"https://secwatch.observer/filing/0000776901-25-000004","json":"https://secwatch.observer/filing/0000776901-25-000004.json","markdown":"https://secwatch.observer/filing/0000776901-25-000004.md","text":"https://secwatch.observer/filing/0000776901-25-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/776901/000077690125000004/0000776901-25-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/776901/000077690125000004/indb-20250116.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-28T00:38:50.490412+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"}