Independent Bank Corp. reports Q3 2025 operating EPS $1.55; margin expands 25 bps to 3.62%

INDEPENDENT BANK CORP

2025-Q3 EPS reported $2.88

GAAP net income $34.3M ($0.69 EPS); operating net income $77.4M ($1.55 EPS) reflecting Enterprise acquisition impact.
Net interest margin rose to 3.62% (adjusted 3.54%) from 3.37% in Q2; total loans flat at $18.5B.
Enterprise Bancorp acquisition closed July 1; system conversion done; cost saves on track.
Loan loss provision of $38.5M includes $34.5M for acquired Enterprise loans; NPLs $86.6M (0.47% of loans).
Capital strong: CET1 12.84%; TBV per share $46.63; repurchased 494K shares for $32.1M in Q3 and Q4-to-date.

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