REGULATORY CAPITAL REQUIREMENTS (Tables)

12 Months Ended

Dec. 31, 2025

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations

The Company’s and the Bank’s actual capital amounts and ratios as of December 31, 2025 and 2024 are also presented in the table that follows:


	Actual				For Capital Adequacy Purposes					To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount			Ratio		Amount			Ratio
	December 31, 2025
	(Dollars in thousands)
Independent Bank Corp.
Total capital (to risk weighted assets)	$	2,953,734	15.70	%	$	1,504,816	≥	8.0	%	N/A			N/A
Common equity tier 1 capital (to risk weighted assets)	$	2,418,180	12.86	%	$	846,459	≥	4.5	%	N/A			N/A
Tier 1 capital (to risk weighted assets)	$	2,418,180	12.86	%	$	1,128,612	≥	6.0	%	N/A			N/A
Tier 1 capital (to average assets) leverage	$	2,418,180	10.15	%	$	952,995	≥	4.0	%	N/A			N/A
Rockland Trust Company
Total capital (to risk weighted assets)	$	2,906,245	15.46	%	$	1,504,129	≥	8.0	%	$	1,880,162	≥	10.0	%
Common equity tier 1 capital (to risk weighted assets)	$	2,728,127	14.51	%	$	846,073	≥	4.5	%	$	1,222,105	≥	6.5	%
Tier 1 capital (to risk weighted assets)	$	2,728,127	14.51	%	$	1,128,097	≥	6.0	%	$	1,504,129	≥	8.0	%
Tier 1 capital (to average assets) leverage	$	2,728,127	11.45	%	$	953,126	≥	4.0	%	$	1,191,407	≥	5.0	%
	December 31, 2024
	(Dollars in thousands)
Independent Bank Corp.
Total capital (to risk weighted assets)	$	2,299,003	16.04	%	$	1,146,816	≥	8.0	%	N/A			N/A
Common equity tier 1 capital (to risk weighted assets)	$	2,100,158	14.65	%	$	645,084	≥	4.5	%	N/A			N/A
Tier 1 capital (to risk weighted assets)	$	2,100,158	14.65	%	$	860,112	≥	6.0	%	N/A			N/A
Tier 1 capital (to average assets)	$	2,100,158	11.32	%	$	741,953	≥	4.0	%	N/A			N/A
Rockland Trust Company
Total capital (to risk weighted assets)	$	2,210,775	15.43	%	$	1,146,528	≥	8.0	%	$	1,433,159	≥	10.0	%
Common equity tier 1 capital (to risk weighted assets)	$	2,072,930	14.46	%	$	644,922	≥	4.5	%	$	931,554	≥	6.5	%
Tier 1 capital (to risk weighted assets)	$	2,072,930	14.46	%	$	859,896	≥	6.0	%	$	1,146,528	≥	8.0	%
Tier 1 capital (to average assets)	$	2,072,930	11.18	%	$	741,843	≥	4.0	%	$	927,303	≥	5.0	%