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Regulatory Matters (Tables)
 9 Months Ended
Sep. 30, 2025
Regulatory Matters [Abstract]  
Schedule of Capital Amounts and Ratios
Our actual capital amounts and ratios follow (1):
Actual Minimum for
Adequately Capitalized
Institutions 		Minimum for
Well-Capitalized
Institutions
AmountRatio AmountRatio AmountRatio
(Dollars in thousands)
September 30, 2025
Total capital to risk-weighted assets
Consolidated$610,808 13.66 %$357,706 8.00 %NANA
Independent Bank561,840 12.58 357,199 8.00 $446,499 10.00 %
Tier 1 capital to risk-weighted assets
Consolidated$554,774 12.41 %$268,280 6.00 %NANA
Independent Bank505,884 11.33 267,899 6.00 $357,199 8.00 %
Common equity tier 1 capital to risk-weighted assets
Consolidated$516,151 11.54 %$201,210 4.50 %NANA
Independent Bank505,884 11.33 200,925 4.50 $290,224 6.50 %
Tier 1 capital to average assets      
Consolidated$554,774 10.07 %$220,377 4.00 %NANA
Independent Bank505,884 9.19 220,083 4.00 $275,104 5.00 %
December 31, 2024      
Total capital to risk-weighted assets      
Consolidated$622,444 14.22 %$350,113 8.00 %NANA
Independent Bank567,254 12.99 349,335 8.00 $436,668 10.00 %
Tier 1 capital to risk-weighted assets      
Consolidated$527,616 12.06 %$262,585 6.00 %NANA
Independent Bank512,546 11.74 262,001 6.00 $349,335 8.00 %
Common equity tier 1 capital to risk-weighted assets      
Consolidated$489,044 11.17 %$196,939 4.50 %NANA
Independent Bank512,546 11.74 196,501 4.50 $283,834 6.50 %
Tier 1 capital to average assets      
Consolidated$527,616 9.85 %$214,332 4.00 %NANA
Independent Bank512,546 9.58 214,112 4.00 $267,640 5.00 %
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(1)
These ratios do not reflect a capital conservation buffer of 2.50% at September 30, 2025 and December 31, 2024.
NA - Not applicable
Schedule of Regulatory Capital
The components of our regulatory capital are as follows:
Consolidated Independent Bank
September 30,
2025		December 31,
2024		September 30,
2025		December 31,
2024
(In thousands)
Total shareholders' equity $490,742 $454,686 $480,475 $478,188 
Add (deduct) 
Accumulated other comprehensive loss for regulatory purposes
54,832 64,146 54,832 64,146 
Goodwill and other intangibles(29,423)(29,788)(29,423)(29,788)
Common equity tier 1 capital516,151 489,044 505,884 512,546 
Qualifying trust preferred securities38,623 38,572 — — 
Tier 1 capital554,774 527,616 505,884 512,546 
Subordinated debt— 40,000 — — 
Allowance for credit losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets
56,034 54,828 55,956 54,708 
Total risk-based capital$610,808 $622,444 $561,840 $567,254