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Regulatory Matters - Capital Amounts and Ratios (Details) $ in Thousands | Jun. 30, 2025 USD ($) | Dec. 31, 2024 USD ($)
--- | --- | ---
Tier 1 capital to average assets |  |
Capital conservation buffer | 0.0250 | 0.0250
Consolidated |  |
Total capital to risk-weighted assets |  |
Actual | $ 629,972 | $ 622,444
Actual, ratio | 0.1420 | 0.1422
Minimum for Adequately Capitalized Institutions | $ 354,803 | $ 350,113
Minimum for adequately capitalized institutions, ratio | 0.0800 | 0.0800
Tier 1 capital to risk-weighted assets |  |
Actual | $ 542,401 | $ 527,616
Actual, ratio | 0.1223 | 0.1206
Minimum for Adequately Capitalized Institutions | $ 266,102 | $ 262,585
Minimum for adequately capitalized institutions, ratio | 0.0600 | 0.0600
Common equity tier 1 capital to risk-weighted assets |  |
Actual | $ 503,795 | $ 489,044
Actual, ratio | 0.1136 | 0.1117
Minimum for Adequately Capitalized Institutions | $ 199,577 | $ 196,939
Minimum for adequately capitalized institutions, ratio | 0.0450 | 0.0450
Tier 1 capital to average assets |  |
Actual | $ 542,401 | $ 527,616
Actual, ratio | 0.1007 | 0.0985
Minimum for Adequately Capitalized Institutions | $ 215,510 | $ 214,332
Minimum for adequately capitalized institutions, ratio | 0.0400 | 0.0400
Independent Bank |  |
Total capital to risk-weighted assets |  |
Actual | $ 582,441 | $ 567,254
Actual, ratio | 0.1315 | 0.1299
Minimum for Adequately Capitalized Institutions | $ 354,204 | $ 349,335
Minimum for adequately capitalized institutions, ratio | 0.0800 | 0.0800
Minimum for Well-Capitalized Institutions | $ 442,755 | $ 436,668
Minimum for well-capitalized institutions, ratio | 0.1000 | 0.1000
Tier 1 capital to risk-weighted assets |  |
Actual | $ 526,962 | $ 512,546
Actual, ratio | 0.1190 | 0.1174
Minimum for Adequately Capitalized Institutions | $ 265,653 | $ 262,001
Minimum for adequately capitalized institutions, ratio | 0.0600 | 0.0600
Minimum for Well-Capitalized Institutions | $ 354,204 | $ 349,335
Minimum for well capitalized institutions, ratio | 0.0800 | 0.0800
Common equity tier 1 capital to risk-weighted assets |  |
Actual | $ 526,962 | $ 512,546
Actual, ratio | 0.1190 | 0.1174
Minimum for Adequately Capitalized Institutions | $ 199,240 | $ 196,501
Minimum for adequately capitalized institutions, ratio | 0.0450 | 0.0450
Minimum for Well-Capitalized Institutions | $ 287,790 | $ 283,834
Minimum for well-capitalized institutions, ratio | 0.0650 | 0.0650
Tier 1 capital to average assets |  |
Actual | $ 526,962 | $ 512,546
Actual, ratio | 0.0979 | 0.0958
Minimum for Adequately Capitalized Institutions | $ 215,217 | $ 214,112
Minimum for adequately capitalized institutions, ratio | 0.0400 | 0.0400
Minimum for Well-Capitalized Institutions | $ 269,022 | $ 267,640
Minimum for well capitalized institutions, ratio | 0.0500 | 0.0500

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- Definition Minimum capital conservation buffer percentage required to avoid restriction on payout amount of eligible retained income as defined by regulatory framework. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 + Details
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