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Dec 31, 2025
Independent Bank Q4 2025 Earnings Report
Independent Bank Corp. reported a significant increase in net income and EPS for the fourth quarter of 2025, driven by strong financial performance and successful integration of the Enterprise acquisition.
Key Takeaways
Independent Bank Corp. announced a net income of $75.3 million, or $1.52 per diluted share, for the fourth quarter of 2025. This represents a substantial increase compared to the prior quarter and the same period last year, primarily due to lower deposit costs, increased net interest margin, and a significant reduction in merger and acquisition expenses.
Net income for Q4 2025 was $75.3 million, a 119.88% increase from Q3 2025 and a 50.57% increase from Q4 2024.
Diluted EPS for Q4 2025 was $1.52, up 120.29% from Q3 2025 and 28.81% from Q4 2024.
Net interest margin increased by 15 basis points to 3.77% compared to the prior quarter, driven by lower deposit costs.
Total assets decreased slightly by 0.3% to $24.9 billion, while total loans increased by 0.3% to $18.5 billion.
Revenue by Segment
Forward Guidance
The company is energized and well-positioned to build on its momentum in the new year, following strong fourth-quarter results and the successful integration of the Enterprise acquisition. However, it acknowledges potential risks from economic conditions, competitive labor markets, and financial market volatility.
Positive Outlook
- Ongoing growth in the Bank's financial performance.
- Successful integration of the recent Enterprise acquisition.
- Strong earnings retention and unrealized gains on available for sale securities.
- Well-positioned to build on momentum in the new year.
- Commitment to creating meaningful, lasting relationships with customers.
Challenges Ahead
- Adverse economic conditions in the regional and local economies within the New England region and the Company's market area.
- Events impacting the financial services industry, including high profile bank failures and decreased confidence in banks.
- Increasingly competitive labor market, requiring significant resources to attract and retain qualified personnel.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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