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Dec 31, 2025
Independent Bank Q4 2025 Earnings Report
Independent Bank reported a net income of $18.6 million and diluted EPS of $0.89 in Q4 2025.
Key Takeaways
Independent Bank delivered solid Q4 2025 results with steady net interest margin growth and strong loan performance, despite a drop in non-interest income year-over-year.
Net income reached $18.6 million, slightly up from $18.5 million in Q4 2024.
Diluted EPS increased to $0.89 from $0.87 in the prior year.
Net interest margin improved to 3.62%, continuing the positive trend from previous quarters.
Non-interest income declined to $12.0 million, driven by lower mortgage servicing income.
Revenue by Segment
Forward Guidance
Management expressed confidence for 2026 based on a strong loan pipeline and ongoing strategic hires, though challenges in non-interest income and asset quality could persist.
Positive Outlook
- Strong commercial loan pipeline entering 2026.
- Continued expansion in net interest margin.
- Strategic hiring initiatives to strengthen banking talent.
- Improved tangible common equity ratio to 8.65%.
- Share repurchase plan authorized for up to 5% of shares.
Challenges Ahead
- Decline in non-interest income compared to prior year.
- Non-performing assets increased significantly year-over-year.
- Mortgage loan servicing revenue remains subdued.
- Allowance for credit losses ratio declined due to NPL increase.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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