---
schema_version: "secwatch.filing_event.v1"
accession: "0000776901-26-000126"
form_type: "8-K"
ticker: "INDB"
cik: "0000776901"
company_name: "INDEPENDENT BANK CORP"
filed_at: "2026-07-27T20:05:40+00:00"
generated_at: "2026-07-27T20:07:41.123631+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Independent Bank Corp. Q2 2026 operating EPS $1.70; updates 2026 guidance

## Summary
- Q2 2026 operating EPS $1.70, net income $81.8M; operating ROATCE 14.05%.
- Adjusted NIM expanded 4 bps to 3.76%; Q4 NIM target 3.90-3.95% (incl. 0.10% purchase accretion).
- Loans down 0.2% QoQ; C&I grew 1.7%, CRE declined 2.9%; commercial pipeline $510M (+62.9%).
- Deposits up 1.5% to $20.4B; cost of deposits 1.52%; share repurchases $75M in Q2.
- 2026 guidance: core operating expenses $553-557M; one-time system upgrade costs $5-6M.

## SEC filing metadata
- accession: 0000776901-26-000126
- form_type: 8-K
- ticker: INDB
- cik: 0000776901
- company_name: INDEPENDENT BANK CORP
- filed_at: 2026-07-27T20:05:40+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/776901/000077690126000126/0000776901-26-000126-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/776901/000077690126000126/indb-20260727.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000776901-26-000126
- JSON: https://secwatch.observer/filing/0000776901-26-000126.json
- Plain text: https://secwatch.observer/filing/0000776901-26-000126.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.