{"schema_version":"secwatch.filing_event.v1","accession":"0000776901-25-000304","form_type":"8-K","ticker":"INDB","cik":"0000776901","company_name":"INDEPENDENT BANK CORP","filed_at":"2025-11-03T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.139814+00:00","generated_at":"2026-05-17T00:59:57.388497+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Independent Bank Corp. reports Q3 2025 operating EPS $1.55; margin expands 25 bps to 3.62%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000776901-25-000304","json":"https://secwatch.observer/filing/0000776901-25-000304.json","markdown":"https://secwatch.observer/filing/0000776901-25-000304.md","text":"https://secwatch.observer/filing/0000776901-25-000304.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/776901/000077690125000304/0000776901-25-000304-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/776901/000077690125000304/indb-20251103.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T00:59:57.388497+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"}