Independent Bank Q2 2026: Net income +60% to $81.8M on Enterprise acquisition, margin +48bp

Filed August 6, 2026 · Period ending June 30, 2026 · Compared to 10-Q Aug 5, 2025 · ~1 min read

Key Changes

• high

  Net income rose 60.1% to $81.8M ($1.70 diluted EPS) in Q2 2026 from $51.1M ($1.20) in Q2 2025, driven by the July 2025 Enterprise acquisition and net interest margin expansion.

  MD&A: Net Income and EPS verify on EDGAR →
• high

  Net interest margin expanded 48 basis points to 3.85% from 3.37%, driven by interest-earning assets acquired from Enterprise, higher asset yields, and lower funding costs.

  MD&A: Net Interest Margin verify on EDGAR →
• high

  Provision for credit losses declined to $6.3M in Q2 2026 from $7.2M in Q2 2025, and to $11.8M for the six-month period from $22.2M, reflecting lower charge-off activity.

  MD&A: Provision for Credit Losses verify on EDGAR →