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Regulatory Matters (Tables)
 3 Months Ended
Mar. 31, 2026
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)
March 31, 2026
Total capital to risk-weighted assets
Consolidated$632,742 13.79 %$367,024 8.00 %NANA
Independent Bank581,090 12.68 366,515 8.00 $458,144 10.00 %
Tier 1 capital to risk-weighted assets
Consolidated$575,250 12.54 %$275,268 6.00 %NANA
Independent Bank523,676 11.43 274,886 6.00 $366,515 8.00 %
Common equity tier 1 capital to risk-weighted assets
Consolidated$536,593 11.70 %$206,451 4.50 %NANA
Independent Bank523,676 11.43 206,165 4.50 $297,793 6.50 %
Tier 1 capital to average assets      
Consolidated$575,250 10.34 %$222,477 4.00 %NANA
Independent Bank523,676 9.43 222,243 4.00 $277,803 5.00 %
December 31, 2025      
Total capital to risk-weighted assets      
Consolidated$621,506 13.59 %$365,958 8.00 %NANA
Independent Bank570,750 12.49 365,463 8.00 $456,829 10.00 %
Tier 1 capital to risk-weighted assets      
Consolidated$564,180 12.33 %$274,468 6.00 %NANA
Independent Bank513,500 11.24 274,098 6.00 $365,463 8.00 %
Common equity tier 1 capital to risk-weighted assets      
Consolidated$525,540 11.49 %$205,851 4.50 %NANA
Independent Bank513,500 11.24 205,573 4.50 $296,939 6.50 %
Tier 1 capital to average assets      
Consolidated$564,180 10.27 %$219,663 4.00 %NANA
Independent Bank513,500 9.36 219,422 4.00 $274,278 5.00 %
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(1)
These ratios do not reflect a capital conservation buffer of 2.50% at March 31, 2026 and December 31, 2025.
NA - Not applicable
Schedule of Regulatory Capital
The components of our regulatory capital are as follows:
Consolidated Independent Bank
March 31,
2026		December 31,
2025		March 31,
2026		December 31,
2025
(In thousands)
Total shareholders' equity $510,553 $502,951 $497,636 $490,911 
Add (deduct) 
Accumulated other comprehensive loss for regulatory purposes
55,226 51,890 55,226 51,890 
Goodwill and other intangibles(29,186)(29,301)(29,186)(29,301)
Common equity tier 1 capital536,593 525,540 523,676 513,500 
Qualifying trust preferred securities38,657 38,640 — — 
Tier 1 capital575,250 564,180 523,676 513,500 
Allowance for credit losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets
57,492 57,326 57,414 57,250 
Total risk-based capital$632,742 $621,506 $581,090 $570,750