INDB Q2'26 op EPS $1.70; guides Q4 NIM 3.90-3.95%; $132M buybacks in H1'26

INDEPENDENT BANK CORP

Q2 2026 operating EPS $1.70, net income $81.8M; operating ROATCE 14.05%, adjusted NIM 3.76% (up 4bp QoQ).
2026 guidance reaffirmed: Q4 NIM 3.90%-3.95% (incl. 0.10% purchase accretion); core expenses $553-557M; tax 23.5%-24.0%.
Repurchased 964,141 shares for $75M in Q2 and 678,891 shares for $57.44M in Q3 through Sept 3; 15 straight years of dividend increases.
Loans $18.4B, down 0.2% QoQ; deposits up 1.5% to $20.4B; wealth AUA $9.5B; commercial pipeline $510M, up 62.9% since 3/31.
NPLs $103.6M (0.56% of loans); criticized/classified $545.6M (3.86%); office portfolio $1.024B, 10.9% of CRE&Construction.

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