{"schema_version":"secwatch.filing_event.v1","accession":"0000776901-26-000152","form_type":"8-K","ticker":"INDB","cik":"0000776901","company_name":"INDEPENDENT BANK CORP","filed_at":"2026-10-15T20:14:26+00:00","discovered_at":"2026-10-15T20:15:00.266059+00:00","generated_at":"2026-10-15T20:15:06.630484+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Independent Bank Q3 2026 net income $89.7M, EPS $1.90, up 12% QoQ; NPLs rise on office loan","bullets":["Net income $89.7M, or $1.90 diluted EPS, vs $81.8M/$1.70 in Q2 2026 and $34.3M/$0.69 (operating $77.4M/$1.55) a year ago; ROAA 1.42%, ROATCE 15.43%.","NIM 3.89% (+4bp QoQ; adjusted 3.76% flat); net interest income $220.7M, up $9.7M; deposits $20.5B (+$135.3M, 0.7%) and loans $18.6B (+$158.2M, 0.9%).","Nonperforming loans rose to $125.7M (0.68% of loans) from $103.6M, driven by one office real estate loan; provision $6.5M; delinquencies up 30bp to 0.73%.","Repurchased ~679,000 shares for $57.4M at an average $84.60, leaving ~$93M under the $200M buyback plan adopted April 30, 2026.","Q4 2026 guidance: reported NIM in low 3.90% range (incl. ~10bp purchase accretion benefit); expenses ex-conversion up low-single digits; core conversion costs $1.0-1.5M."],"urls":{"canonical":"https://secwatch.observer/filing/0000776901-26-000152","json":"https://secwatch.observer/filing/0000776901-26-000152.json","markdown":"https://secwatch.observer/filing/0000776901-26-000152.md","text":"https://secwatch.observer/filing/0000776901-26-000152.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/776901/000077690126000152/0000776901-26-000152-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/776901/000077690126000152/indb-20261015.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-15T20:15:06.630484+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"}