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Independent Bank (INDB) guidance and outlook

Independent Bank's 10-Q filed Nov 9, 2026 makes 13 forward-looking statements.

Guidance and outlook

Forward-looking statements, 10-Q filed Nov 9, 2026

• • risks related to the Company’s acquisition activities, including disruption to current plans and operations; difficulties in customer and employee retention; fees, expenses and charges related to these transactions being significantly higher than anticipated; impairment of goodwill and/or other intangibles; and the Company’s inability to achieve expected revenues, cost savings, synergies, and other benefits at…
• The Company is focused on organic growth, but will also consider acquisition opportunities that are expected to provide a satisfactory financial return.
• The Company estimates expected credit losses for its available for sale and held to maturity securities in accordance with the current expected credit loss (“CECL”) methodology.
• Further details regarding the Company's measurement of expected credit losses on securities can be found in Note 3 “Securities” within the Notes to Consolidated Financial Statements included in Part I.
• In accordance with its Allowance for Credit Losses Program, the Company uses the CECL model methodology to estimate credit losses for financial assets on a collective basis for loans sharing similar risk characteristics using a quantitative model combined with an assessment of certain qualitative factors designed to address forecast risk and model risk inherent in the quantitative model output.
• Economic forecasts are incorporated into the estimate over a reasonable and supportable forecast period of 12 months, beyond which is a reversion to the Company’s historical long-run
• For the loans that will be individually assessed, the Company uses either a discounted cash flow approach or a fair value of collateral approach.
• Management’s allowance for credit loss estimate inco rporates an economic forecast over a reasonable and supportable period of 12 months.
• As of September 30, 2026, management utilized the Moody’s S7 forecast to estimate the effect of anticipated current and future economic conditions on the Company’s allowance for credit losses.
• The Company invests in various low income housing projects, which are real estate limited partnerships that acquire, develop, own and operate low and moderate-income housing developments.
• The Board of Directors has approved an Enterprise Risk Management Policy to state the Company’s goals and objectives in identifying, measuring, and managing the risks associated with the Company’s current and near future anticipated size and complexity.
• Management has established a Contingency Funding Plan to provide a framework to detect potential liquidity problems and appropriately address them in a timely manner.

Independent Bank's latest quarter

Questions

What does Independent Bank expect?

• risks related to the Company’s acquisition activities, including disruption to current plans and operations; difficulties in customer and employee retention; fees, expenses and charges related to these transactions being significantly higher than anticipated; impairment of goodwill and/or other intangibles; and the Company’s inability to achieve expected revenues, cost savings, synergies, and other benefits at… The Company is focused on organic growth, but will also consider acquisition opportunities that are expected to provide a satisfactory financial return. The Company estimates expected

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Updated Nov 9, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.