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Regulatory Matters - Schedule of Capital Amounts and Ratios (Details) $ in Thousands | Sep. 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 | $ 610,808 | $ 622,444
Actual, ratio | 0.1366 | 0.1422
Minimum for Adequately Capitalized Institutions | $ 357,706 | $ 350,113
Minimum for adequately capitalized institutions, ratio | 0.0800 | 0.0800
Tier 1 capital to risk-weighted assets |  |
Actual | $ 554,774 | $ 527,616
Actual, ratio | 0.1241 | 0.1206
Minimum for Adequately Capitalized Institutions | $ 268,280 | $ 262,585
Minimum for adequately capitalized institutions, ratio | 0.0600 | 0.0600
Common equity tier 1 capital to risk-weighted assets |  |
Actual | $ 516,151 | $ 489,044
Actual, ratio | 0.1154 | 0.1117
Minimum for Adequately Capitalized Institutions | $ 201,210 | $ 196,939
Minimum for adequately capitalized institutions, ratio | 0.0450 | 0.0450
Tier 1 capital to average assets |  |
Actual | $ 554,774 | $ 527,616
Actual, ratio | 0.1007 | 0.0985
Minimum for Adequately Capitalized Institutions | $ 220,377 | $ 214,332
Minimum for adequately capitalized institutions, ratio | 0.0400 | 0.0400
Independent Bank |  |
Total capital to risk-weighted assets |  |
Actual | $ 561,840 | $ 567,254
Actual, ratio | 0.1258 | 0.1299
Minimum for Adequately Capitalized Institutions | $ 357,199 | $ 349,335
Minimum for adequately capitalized institutions, ratio | 0.0800 | 0.0800
Minimum for Well-Capitalized Institutions | $ 446,499 | $ 436,668
Minimum for well-capitalized institutions, ratio | 0.1000 | 0.1000
Tier 1 capital to risk-weighted assets |  |
Actual | $ 505,884 | $ 512,546
Actual, ratio | 0.1133 | 0.1174
Minimum for Adequately Capitalized Institutions | $ 267,899 | $ 262,001
Minimum for adequately capitalized institutions, ratio | 0.0600 | 0.0600
Minimum for Well-Capitalized Institutions | $ 357,199 | $ 349,335
Minimum for well capitalized institutions, ratio | 0.0800 | 0.0800
Common equity tier 1 capital to risk-weighted assets |  |
Actual | $ 505,884 | $ 512,546
Actual, ratio | 0.1133 | 0.1174
Minimum for Adequately Capitalized Institutions | $ 200,925 | $ 196,501
Minimum for adequately capitalized institutions, ratio | 0.0450 | 0.0450
Minimum for Well-Capitalized Institutions | $ 290,224 | $ 283,834
Minimum for well-capitalized institutions, ratio | 0.0650 | 0.0650
Tier 1 capital to average assets |  |
Actual | $ 505,884 | $ 512,546
Actual, ratio | 0.0919 | 0.0958
Minimum for Adequately Capitalized Institutions | $ 220,083 | $ 214,112
Minimum for adequately capitalized institutions, ratio | 0.0400 | 0.0400
Minimum for Well-Capitalized Institutions | $ 275,104 | $ 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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