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Independent Bank Corp INDB Time deposits

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Independent Bank Corporation logo
Independent Bank CorporationIBCP
$662.25M+5.5%
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$1.66B+2.1%
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Other financials

Income statement

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Revenue$253.3M+39.3%
Net income$81.8M+60.1%
EPS (diluted)$1.70+41.7%

Balance sheet

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Cash & equivalents$1.0B+11.1%
Total debt$701.5M-7.6%
Total equity$3.5B+14.2%
Total assets$25.0B+24.6%

Cash flow

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Operating cash flow$73.4M-31.2%
CapEx$6.4M+52.5%
Free cash flow$67.0M-34.7%

Valuation

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Market cap$4B+26.0%
Enterprise value$3.7B+22.0%
P/E14.7×-2.1×
P/S4×-0.5×

Profitability

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Net margin27%+0.6pp
FCF margin30.3%+0.1pp

Returns & leverage

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Return on equity8.2%+1.9pp
Debt / equity0.2×0.0×

Where this comes from

Reported directly by Independent Bank Corp in its filing.

Tagged under the XBRL concept us-gaap:InterestBearingDomesticDepositTimeDeposits.

The source filing: Independent Bank Corp’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 4:15 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000776901-26-000129
Line itemJune 302026December 312025
Non-interest-bearing demand deposits$5,709,647$5,600,955
Savings and interest checking accounts6,503,5216,482,970
Money market4,929,4954,774,645
Time certificates of deposit3,249,4553,268,220
Total deposits20,392,11820,126,790
Borrowings
Federal Home Loan Bank and other borrowings216,719416,549
Line of credit (less unamortized debt issuance costs of $16 and $47)124,98449,953

Item 1. Financial Statements (unaudited)

FAQ

What is Independent Bank Corp's time deposits?
Independent Bank Corp (INDB) reported time deposits of $3.25B in Q2 2026.
How has Independent Bank Corp's time deposits changed year-over-year?
Independent Bank Corp's time deposits increased by 19.5% year-over-year, from $2.72B to $3.25B.
What is the long-term trend for Independent Bank Corp's time deposits?
Over 5 years (2020 to 2025), Independent Bank Corp's time deposits has grown at a 28.0% compound annual growth rate (CAGR), from $950.63M to $3.27B.
What does time deposits mean?
Time deposits, such as certificates of deposit, are interest-bearing accounts with a specified maturity date. These deposits provide the bank with a stable, predictable source of funding for longer-term lending. The volume and cost of these deposits reflect the bank's interest rate sensitivity and competitive position in the local deposit market.

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