A Boston-area bank that stood up an Office of Digital Innovation and an AI governance framework by early 2026 to gate AI spending on use cases with a meaningful payback, while digesting the Enterprise Bank acquisition and preparing a core conversion now set for February 2027; early internal AI applications entered beta testing in October 2026.
How is Rockland Trust using AI?
Independent Bank Corp., the Rockland, Massachusetts parent of Rockland Trust Company with $25 billion of assets, has answered the AI question the way a self-described moderate-risk bank would: with governance first. By the January 2026 call it had an AI innovation team, staffed with three dedicated people for 2026, aimed at back-office fraud review, day-to-day processing and BSA/AML work. On the April 2026 earnings call CEO Jeff Tengel said the bank had established an Office of Digital Innovation and a governance framework for AI in the first quarter, focusing initially on 'relatively easy use cases' with a moderate-risk approach, and by July management described the office as the gate for AI investments with meaningful payback. On the 16 October 2026 call Tengel said the bank had 'started to beta test some early AI applications', internally oriented first so it can 'develop muscle memory' before bigger applications. The bigger technology event is a core conversion from FIS Horizon to FIS IBS, scheduled for October 2026 until the October call moved it to February 2027 ('you only get one chance to do this well'); it was initially expected to cost $4 million to $5 million (raised to $5 million to $6 million of one-time costs by September 2026), and $5.5 million had been incurred by the end of September, with $1.5 million to $2 million more expected. Both follow the $562 million acquisition of Enterprise Bancorp, which closed on 1 July 2025 with core and account conversions scheduled for the weekend of 11 October 2025, adding $3.9 billion of loans, $4.4 billion of deposits and 27 branches in northern Massachusetts and southern New Hampshire. Second-quarter 2026 net income was $81.8 million, or $1.70 per diluted share, with no merger costs, assets under administration of $9.5 billion and, in Tengel's words, 'strong execution on many of our strategic priorities'; third-quarter net income rose to a record $89.7 million, or $1.90 per diluted share. No AI vendor or production deployment has been named, and the only budget figure given is the three dedicated AI staff, but the record is fuller than the April call alone: investor decks since March 2026 list an established Digital Innovation team, an AI governance model still 'in process' as of September, and a plan to 'develop high priority/high impact AI capabilities' from mid-2026, alongside an nCino-based redesign of commercial loan origination and a Salesforce referral investment; the bank has been recruiting an AI engineer for its AI team; and the 2025 10-K carries a standalone AI risk factor warning that generative models 'may produce output or take action that is incorrect' and that reliance on third-party models limits visibility. Lee Powlus, chief administrative officer, leads technology, operations and data security. Rockland Trust is a Massachusetts state nonmember bank supervised by the FDIC.
Lead bank
Rockland Trust Company
Assets (lead bank, Jun 30, 2026)
$25 billion
Charter
Massachusetts state nonmember bank (FDIC)
Headquarters
Rockland, MA
Flagship platform
Office of Digital Innovation and AI governance framework
AI leadership
Jeffrey Tengel · Mark Ruggiero · Lee Powlus · Tamina O'Neill · Debra Smith
- Office of Digital Innovation and an AI governance framework established in Q1 2026.
- Investment philosophy: fund AI use cases with a meaningful payback rather than broad, unproven applications, starting with 'relatively easy use cases' under a moderate risk approach.
- Core conversion from FIS Horizon to FIS IBS moved from October 2026 to February 2027 on the Q3 2026 call (16 October 2026) to allow more testing and readiness work; $4 million to $5 million of one-time costs in March 2026 guidance, raised to $5 million to $6 million by the July call and held there in September; $5.5 million incurred by 30 September, with $1.5 million to $2 million more expected.
- Q3 2026 call: the bank has 'started to beta test some early AI applications'; the first use cases are internal with no customer impact, and the CFO lists AI development among planned investments to be funded by discipline elsewhere.
- Enterprise Bancorp acquired for $562 million, closed 1 July 2025, systems conversion scheduled for October 2025; no merger costs in Q2 2026.
- Q2 2026 net income $81.8 million ($1.70 per share); assets under administration $9.5 billion; total assets $25.0 billion.
- No AI vendor or production deployment disclosed; the January 2026 call set 2026 AI staffing at three dedicated individuals and named back-office fraud review, day-to-day processing and BSA/AML as the focus.
- Investor decks (March and September 2026): Digital Innovation team established; AI governance model 'in process'; high-priority, high-impact AI capabilities to be developed from mid-2026; commercial loan origination redesign on nCino.
- 2025 10-K: standalone AI risk factor covering evolving AI regulation, incorrect or biased generative-AI output, model opacity and dependence on third-party models; AI-enabled cyber-attacks flagged separately.
- 22 January 2026 call: CEO Jeffrey Tengel said the bank's AI efforts are 'focused on enhancing back-office efficiency, including fraud review, day-to-day processing, and BSA AML', run by an AI innovation team; CFO Mark Ruggiero put the 2026 plan at 'three dedicated individuals'.
- Tengel on the same call: AI use cases flow through one governance model so that business units do not run their own 'AI skunk work'; the team is 'heavily populated by our IT and ops folks' and is to pick two or three business cases and deliver them before taking on more.
- Further AI or technology spend needs offsets: Ruggiero said on 22 January 2026 that more investment would need 'conviction' that it is 'done with offsets', and on 17 July 2026 that the bank 'can't take our foot off the pedal' on AI and technology while IT spend and talent have risen over the last couple of quarters.
- Q1 2026 call (17 April): the AI governance framework includes a steering committee that serves as a clearinghouse for AI use cases, kept within the bank's 'moderate risk profile'.
- AI risk language grew between the 10-Ks: the filing for fiscal 2024 (28 February 2025) mentions AI only as a cyber-attack amplifier and a technology-change risk, while the filing for fiscal 2025 (27 February 2026) adds the standalone AI risk factor and a passage on AI deep-fakes; an AI-risk bullet entered the forward-looking-statement list in the 22 January 2026 results deck and recurs in the 2026 10-Qs.
- Ownership: Lee Powlus became Chief Administrative Officer in November 2025 after serving as Chief Technology and Operations Officer from September 2023; Tamina O'Neill has been Chief Risk Officer since August 2025 and the Chief Information Security Officer reports to her as second line of defence; Debra Smith runs Digital Operations and the BSA/Fraud Financial Crimes Unit.
- Core conversion cost so far: $2.1 million in Q2 2026, $2.2 million in Q3 2026 and $5.5 million year to date at 30 September 2026, with $1.5 million to $2 million more expected before the February 2027 conversion.
What is Office of Digital Innovation and AI governance framework?
On the April 2026 earnings call CEO Jeff Tengel said Rockland Trust had established an Office of Digital Innovation and a governance framework for AI in the first quarter, starting with 'relatively easy use cases' under a moderate-risk approach; by the July call management described the office as the gate for AI investments, favouring use cases with meaningful payback over broad, unproven applications. Investor decks list a Digital Innovation team, an AI governance model 'in process' and high-priority AI capabilities to be developed from mid-2026. On the October 2026 call Tengel said the bank had started to beta test some early AI applications, with the first use cases internally oriented and without customer impact. The bank is simultaneously moving its core operating platform from FIS Horizon to FIS IBS; the conversion, long scheduled for October 2026, was moved to February 2027 on the 16 October 2026 call to allow more preparation and testing. One-time costs were guided at $4 million to $5 million in March 2026 and $5 million to $6 million from July; $5.5 million had been incurred by 30 September, with $1.5 million to $2 million more expected.[9][10][6][8][11]
What AI partnerships and patents does Rockland Trust have?
Rockland Trust has named no AI partner, lab, cloud provider or AI vendor in any filing, earnings call or investor deck reviewed through 14 October 2026. Its 2025 10-K says only that the bank may rely on AI models developed by third parties and would have limited visibility into how they are trained. An assignee search on Google Patents found no granted patents or published applications held by Rockland Trust Company or Independent Bank Corp. The named technology vendors are FIS for the core platform, nCino for commercial origination and Salesforce for referrals, and none is described as an AI relationship.[7][12][20]
| Item | What it is | Status | Date |
|---|---|---|---|
| Third-party AI models (unnamed) | The 10-K says the bank may rely on AI models developed by third parties, with limited visibility into their training; no provider is named | Disclosed as a possibility | 2026-02-27[7] |
What has Rockland Trust done on AI, and when?
- Oct 16, 2026
Q3 2026 call: core upgrade moved to February 2027; early AI applications in beta[5]
Tengel moves the FIS IBS conversion from October to February to allow more preparation and testing ('you only get one chance to do this well') and says the bank has started to beta test early AI applications, internal first with no customer impact; the CFO puts conversion costs at $5.5 million year to date with $1.5 million to $2 million more to come.
- Oct 15, 2026
Third-quarter 2026 results: record earnings[4]
Net income $89.7 million, or $1.90 per diluted share, against $81.8 million and $1.70 in the second quarter.
- Sep 8, 2026
September deck: AI governance model still 'in process'[11]
Raymond James conference slides repeat the AI roadmap unchanged and keep the $5 million to $6 million one-time core-upgrade cost guidance given in July.
- Aug 6, 2026
Q2 2026 10-Q: core-conversion costs and AI-use risk[22]
Reports one-time core-conversion costs of $2.1 million for the quarter and $3.3 million for six months, and lists reliance on third-party providers in the conversion and risks from AI use as forward-looking risks.
- Jul 27, 2026
KBW conference deck keeps the AI governance model 'in process'[21]
Slides for the 28 July conference repeat the Digital Innovation team and AI governance bullets unchanged from March.
- Jul 17, 2026
Q2 2026 call: Ruggiero on funding AI inside a hold-the-line expense plan[14]
Asked about expenses, Ruggiero says the bank cannot take its foot off the pedal on AI and technology investment and that IT spend and talent have risen over the last couple of quarters, with offsets sought elsewhere.
- Jul 17, 2026
Q2 2026 call: Office of Digital Innovation governs AI spend[10]
Management again frames the office as the gate for AI investments with meaningful payback, while prioritising the October move to IBS.
- Jul 16, 2026
Second-quarter 2026 results[6]
Net income $81.8 million; $2.1 million of core-conversion costs; no merger costs.
- Jun 16, 2026
Stephens conference deck repeats the AI roadmap[20]
Slides for the 17 June Summer Bank Bash list an established Digital Innovation team, AI governance model creation in process, high-priority AI capabilities for mid-2026 and an nCino-based origination redesign.
- May 6, 2026
Q1 2026 10-Q repeats both AI risk bullets[19]
The forward-looking-statement list carries both the AI-implementation risk and the risk related to AI use by the bank, its vendors, clients and counterparties.
- Apr 17, 2026
Q1 2026 call: AI steering committee as clearinghouse[13]
Tengel says the governance framework includes a steering committee that is a clearinghouse for AI use cases, within a moderate risk profile, and that the bank will start with relatively easy use cases; first-quarter core-conversion expense was about $1.1 million.
- Apr 17, 2026
Q1 2026 call: Office of Digital Innovation and AI governance[9]
AI governance framework and 'relatively easy use cases' first; core move from Horizon to IBS in October.
- Apr 16, 2026
- Mar 26, 2026
2026 proxy statement describes risk and technology owners without AI language[18]
Names Powlus (technology, operations, data security, project management) and O'Neill (enterprise risk, reporting to the CEO) among executive officers; the document does not mention artificial intelligence.
- Mar 23, 2026
Boston-area consolidation context[2]
$562 million Enterprise purchase counted among 2025's major Massachusetts deals.
- Mar 9, 2026
Investor deck: Digital Innovation team and AI capabilities from mid-2026[8]
RBC conference slides list an established Digital Innovation team, an AI governance model in process, high-priority/high-impact AI capabilities planned for mid-2026 and a 2026 redesign of commercial loan origination on nCino.
- Feb 27, 2026
2025 10-K: standalone AI risk factor[7]
The development and use of AI 'presents risks and challenges': uncertain AI regulation, generative models that may produce incorrect or biased output or leak confidential data, opaque models and reliance on third-party models; AI also raises cyber-attack risk.
- Jan 22, 2026
Results deck adds an AI-risk line to the forward-looking statements[17][16]
The fourth-quarter 2025 presentation lists 'risks related to the development and use of AI by the Company, its third-party vendors, clients and counterparties'; the October 2025 deck mentions AI only as an inability to implement new technology-driven products.
- Jan 22, 2026
Q4 2025 call: AI innovation team, fraud review and BSA/AML focus, three dedicated staff[12]
Tengel lists the AI innovation team beside the core conversion as technology investment and says its efforts target back-office efficiency, including fraud review, day-to-day processing and BSA/AML. Asked about spend, he describes a governance model that routes all AI use cases through one team heavily staffed from IT and operations; Ruggiero says 2026 guidance is three dedicated individuals.
- Nov 1, 2025
Lee Powlus becomes Chief Administrative Officer[18]
Moves from Chief Technology and Operations Officer (held since September 2023) to Chief Administrative Officer, still responsible for technology, operations, data security and project management (day within the month not stated).
- Oct 11, 2025
Enterprise Bank core and account conversion[1]
Core product and customer account conversions scheduled for the weekend of 11 October, per the closing announcement.
- Aug 1, 2025
- Jul 1, 2025
Enterprise Bancorp acquisition closes[1]
Enterprise Bank merged into Rockland Trust; conversion set for October 2025.
- Feb 28, 2025
10-K for fiscal 2024: AI appears only as a technology-change and cyber risk[15]
The first filing in the review period names artificial intelligence and generative AI as new technologies that could make current products obsolete and as a source of cyber-attack sophistication; it has no standalone AI risk factor and no deep-fake language.
Where does Rockland Trust use AI today?
| System | What it does | Status | Use case |
|---|---|---|---|
| Office of Digital Innovation and AI governance framework[9][10][11] | Gate for AI investments, favouring use cases with meaningful payback within a moderate risk approach; the governance model itself was still 'in process' in the September 2026 deck. | Rolling out | AI governance (general) |
| Core conversion to FIS IBS[9][6][5] | Platform migration within the FIS ecosystem, scheduled for October 2026 and moved to February 2027 on the Q3 2026 call. | Rolling out | Third-party & vendor AI |
| Initial 'easy' AI use cases[9] | The first AI deployments are to be 'relatively easy use cases'. | Announced | Generative & agentic AI |
| AI risk-factor disclosure[7] | The 10-K's standalone AI risk factor covers regulatory uncertainty, incorrect or biased generative output, limited model transparency and third-party model dependence. | In production | Model risk management |
| Commercial loan origination redesign (nCino)[8][11] | A 2026 project to redesign the commercial origination process on nCino; no AI component disclosed. | Rolling out | Credit scoring & underwriting |
| AI-assisted fraud review[12][23] | Fraud review is one of three named back-office targets of the AI innovation team (22 January 2026 call). Digital Operations and the BSA/Fraud Financial Crimes Unit sit under Debra Smith. No model, vendor or result is disclosed. | Announced | Fraud detection |
| BSA/AML process automation[12] | BSA/AML is named alongside fraud review and day-to-day processing as a focus of the bank's AI efforts; nothing further is public on scope or timing. | Announced | AML / KYC |
| AI innovation team (three dedicated staff for 2026)[12][14] | A small team heavily staffed from IT and operations that picks two or three business cases from a central pipeline; further hiring or technology spend depends on offsets elsewhere in the expense base. | Rolling out | Generative & agentic AI |
| Third-party risk management and AI model dependence[7][22] | The Third-Party Risk Management Program onboards all vendors and monitors higher-risk ones; the AI risk factor says the bank may rely on third-party AI models over whose training it has limited visibility. The conversion to FIS IBS carries its own third-party reliance risk. | In production | Third-party & vendor AI |
| AI-enabled cyber-attack and deep-fake risk governance[7] | The Chief Information Security Officer, reporting to the Chief Risk Officer, runs the information security program under the IT Risk Governance Committee and Information Security Committee; the 2025 10-K calls criminal use of AI, including deep-fakes, 'a major concern'. | In production | Cybersecurity |
Use-case links open the tracker's rules-by-use-case matrix: which documents govern each system type.
What has Rockland Trust disclosed in numbers?
| Metric | Value | As of |
|---|---|---|
| Q2 2026 net income / diluted EPS | $81.8 million / $1.70[6] | Jul 16, 2026 |
| Core conversion cost estimate | $4 million to $5 million of one-time costs[8] | Mar 9, 2026 |
| Enterprise Bancorp acquisition | $562 million[2] | Jul 1, 2025 |
| One-time core-upgrade costs (2026 guidance) | $5 million to $6 million (from $4 million to $5 million in March)[11][10][8] | Sep 8, 2026 |
| Total assets / assets under administration | $25.0 billion / $9.5 billion[6] | Jun 30, 2026 |
| Dedicated AI staff in 2026 guidance | Three individuals[12] | Jan 22, 2026 |
| Core-conversion one-time costs, six months to 30 June 2026 | $3.3 million ($2.1 million in Q2)[22] | Jun 30, 2026 |
| Enterprise Bancorp consideration at closing | $503.1 million ($477.2 million in stock, $25.9 million in cash)[7] | Jul 1, 2025 |
| Balances and branches acquired from Enterprise | $3.9 billion of loans, $4.4 billion of deposits, 27 branches[7] | Jul 1, 2025 |
| 2026 profitability targets | Return on average assets 1.4%; return on average tangible capital 15%[13] | Apr 17, 2026 |
| Fiscal 2025 net income / diluted EPS | $205.1 million / $4.44[7] | Dec 31, 2025 |
“Our second quarter results reflect strong execution on many of our strategic priorities.”[6]
Jeffrey Tengel · Chief Executive Officer · Jul 16, 2026
“Our AI efforts are focused on enhancing back-office efficiency, including fraud review, day-to-day processing, and BSA AML.”[12]
Jeffrey Tengel · Chief Executive Officer · Jan 22, 2026
“We don't want to have every one of our different business units all off doing their own kind of AI skunk work.”[12]
Jeffrey Tengel · Chief Executive Officer · Jan 22, 2026
“It's specifically three dedicated individuals that we would expect to sort of create this initiated project.”[12]
Mark Ruggiero · Chief Financial Officer and Head of Consumer Lending · Jan 22, 2026
“This will allow us to make AI investments in those areas that have a meaningful payback and avoid the proverbial boiling the ocean.”[13]
Jeffrey Tengel · Chief Executive Officer · Apr 17, 2026
“We can't take our foot off the pedal in terms of thinking about AI and technology investments.”[14]
Mark Ruggiero · Chief Financial Officer and Head of Consumer Lending · Jul 17, 2026
Who runs AI at Rockland Trust?
Jeffrey TengelLinkedIn ↗
Mark Ruggiero
Chief Financial Officer and Head of Consumer Lending[9]
Lee PowlusLinkedIn ↗
EVP, Chief Administrative Officer (leads technology, operations, data security and project management); Chief Technology and Operations Officer from September 2023 to November 2025[23][18]
Tamina O'Neill
EVP, Chief Risk Officer (since August 2025; second line of defence, to whom the Chief Information Security Officer reports)[23][18][7]
Debra Smith
EVP, Director of Banking Operations, Digital Operations and Enterprise Project Management (oversees the BSA/Fraud Financial Crimes Unit)[23]
What AI roles is Rockland Trust hiring for?
Data as of · 0 AI-titled postings · read from Rockland Trust's own careers site, re-checked weekly
No open AI-titled postings on Rockland Trust's careers site as of Oct 25, 2026. A snapshot of current openings, not a source: postings close. Compare with other banks on which banks are hiring for AI.
Which regulators govern Rockland Trust's AI?
| Authority | Why it matters here | Documents |
|---|---|---|
| FDIC | Rockland Trust is a state nonmember bank; FDIC model-risk and third-party guidance govern the core conversion and any AI use cases. | FDIC FIL-29-2023 FDIC FIL-15-2026 |
| CFPB | Consumer lending and deposit products bring adverse-action and UDAAP duties to any automated decisioning. | ECOA / Regulation B adverse action (15 U.S.C. 1691(d); 12 CFR 1002.9) |
| Federal Reserve | Holding-company oversight of acquisition integration and technology risk. | SR 23-4 |
Side by side: SR 11-7 vs SR 26-2 · OCC vs CFPB on AI lending · PRA SS1/23 vs SR 26-2 · MAS AI Risk Management Guidelines vs SR 26-2 · all comparisons.
What does the public record suggest about Rockland Trust's AI strategy?
Analysis by BankingNewsAI from the sources cited on this page. Observations, not advice.
01
Governance before use cases is the examiner-friendly order
An innovation office that vets payback and risk before pilots is what FDIC guidance asks for; the test is whether it accelerates or blocks.
02
Do not stack AI on a core conversion
A platform migration now set for February 2027 is the bank's real operational risk; AI pilots beyond the internal beta should wait for the new core's data model.
03
Easy use cases should still be measured
Muscle-memory projects need baselines so the office's meaningful-payback test has numbers.
04
The new core is the enabler
FIS IBS opens vendor AI options that Horizon did not; the 2027 roadmap should name them.
Where does the Rockland Trust record go deeper?
Which leader rankings does Rockland Trust appear in?
2 of the computed leaders rankings include Rockland Trust, each ranked from the same sourced bank pages.
How does Rockland Trust compare with its peers?
- How does Independent Bank Corp. (Rockland Trust) compare with its peers on AI and technology?
- Independent Bank Corp. (Rockland Trust) competitors and alternatives, by business line
Its peer group on this site, by business model and size:
Who leads AI at Rockland Trust?
Rockland Trust names no chief AI or chief data officer. CEO Jeffrey Tengel fronts the topic on earnings calls and CFO Mark Ruggiero sets the budget line: three dedicated people in 2026. Lee Powlus, Chief Administrative Officer since November 2025 and Chief Technology and Operations Officer before that, leads technology, operations and data security. Tamina O'Neill, Chief Risk Officer since August 2025, has the Chief Information Security Officer reporting to her. Debra Smith runs Digital Operations and the BSA/Fraud unit. A steering committee, staffed largely from IT and operations, screens AI use cases.
Does Rockland Trust use AI?
Rockland Trust established an Office of Digital Innovation and an AI governance framework in the first quarter of 2026, plans to start with relatively easy use cases under a moderate risk approach, and gates AI investment on a meaningful payback. No AI vendor or production deployment has been disclosed.
What is Rockland Trust's core conversion?
The bank is moving its core operating platform from FIS Horizon to FIS IBS, with the conversion scheduled for October 2026 until management moved it to February 2027 on the 16 October 2026 call to allow additional preparation and testing; the expected one-time cost was $4 million to $5 million in March 2026 guidance and $5 million to $6 million from July 2026, with $5.5 million incurred by 30 September and $1.5 million to $2 million more expected. It follows the Enterprise Bank systems conversion scheduled for October 2025, after that bank was acquired on 1 July 2025 for $562 million.
What has Rockland Trust said about AI in fraud and BSA/AML?
On the 22 January 2026 earnings call, CEO Jeffrey Tengel said the bank's AI efforts focus on back-office efficiency, including fraud review, day-to-day processing and BSA/AML. CFO Mark Ruggiero said 2026 guidance covers three dedicated individuals and that any further investment needs offsets in other expenses. No vendor, model, pilot result or savings figure has been disclosed, and the April and July 2026 calls described only governance and 'relatively easy use cases'.
What AI risks does Independent Bank Corp. disclose in its SEC filings?
The 10-K for fiscal 2025, filed 27 February 2026, adds a standalone risk factor on AI: uncertain regulation, generative output that may be incorrect or biased, limited model transparency and dependence on third-party models. It also calls criminal use of AI, including deep-fakes, a major concern. The 10-K for fiscal 2024 had no such factor. An AI-risk line entered the forward-looking-statement list in January 2026 and recurs in the Q1 and Q2 2026 10-Qs, which also cite third-party reliance in the core conversion.
- Independent Bank Corp. Announces Completion of Enterprise Bancorp, Inc. Acquisition and Appointment of Kenneth S. Ansin and Joseph C. Lerner as Directors
- This cash-rich Boston-area bank is on the lookout for deals
- Independent Bank Corp. Reports First Quarter Net Income of $79.9 Million
- Independent Bank Corp. Reports Third Quarter Net Income of $89.7 Million
- Independent Bank (INDB) Q3 2026 Earnings Call Transcript
- Independent Bank Corp. Reports Second Quarter Net Income of $81.8 Million
- Independent Bank Corp. Annual Report on Form 10-K for the fiscal year ended December 31, 2025
- INDB Investor Meeting Presentation, RBC Capital Markets Global Financial Institutions Conference (Form 8-K, Exhibit 99.1)
- Independent Bank Q1 Earnings Call Highlights
- Independent Bank Corp. Q2 2026 Earnings Call Summary
- Raymond James Investor Presentation, 2026 U.S. Bank & Banking on Tech Conferences (Form 8-K, Exhibit 99.1)
- Earnings call transcript: Independent Bank Q4 2025 beats earnings forecast (call of 22 January 2026)
- Independent Bank (INDB) Q1 2026 earnings call transcript
- Earnings call transcript: Independent Bank misses Q2 2026 estimates as shares fall
- Independent Bank Corp. Annual Report on Form 10-K for the fiscal year ended December 31, 2024
- Third Quarter 2025 Earnings Presentation (Form 8-K)
- Fourth Quarter 2025 Earnings Presentation (Form 8-K)
- Independent Bank Corp. 2026 Proxy Statement (Schedule 14A)
- Independent Bank Corp. Quarterly Report on Form 10-Q for the quarter ended March 31, 2026
- Investor presentation, Stephens 7th Annual Summer Bank Bash (Form 8-K, Exhibit 99.1)
- Investor presentation, 2026 KBW Summer Bank Conference (Form 8-K, Exhibit 99.1)
- Independent Bank Corp. Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
- Leadership team
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