Independent Bank Corp. Investor Presentation

This report summarizes an investor presentation by Independent Bank Corp. (INDB) for the Stephens 7th Annual Summer Bank Bash on June 17, 2026. The presentation covers key metrics as of March 31, 2026, including total assets of $24.8 billion, loans of $18.4 billion, and deposits of $20.1 billion. The company emphasizes its commitment to its colleagues, customers, community, and shareholders, operating under the vision "Where Each Relationship Matters®." INDB highlights its strong, resilient franchise with a focus on being customer-centric, operating in an attractive market, and demonstrating high performance. The presentation details recent awards, momentum in earnings growth, and key financial highlights for Q1 2026. It notes a decrease in loans and deposits for the quarter but reports a stable provision for loan loss. Capital management activities include share repurchases and a quarterly dividend increase. The company also provides insights into its deposit and loan portfolios, asset quality, and capital ratios, emphasizing a strong capital position and a focus on tangible book value growth. Future priorities include integrating the Enterprise Bancorp acquisition, growing lending businesses, expanding treasury management and wealth management services, and improving referral infrastructure. Guidance for 2026 includes mid-single-digit loan growth, low-to-mid-single-digit core deposit growth, and a net interest margin target of 3.90%-3.95% in Q4. The company reiterates its investment merits, citing its high-quality franchise, low-risk balance sheet, strong capital base, and expected earnings improvement.