美国独立银行 2024年度报告

Independent Bank Corp. (Exact name of registrant as specified in its charter) MA(State or other jurisdiction ofincorporation or organization) 0233902370 YesxNo o Indicate by check mark if the registrant is not required to file reports pursuant to Section13 or Section15(d) of the Act.YesoNox Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d) of the Securities Exchange Act of 1934during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2)has been subject to such filingrequirements for the past 90 days.YesxNoo Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 ofRegulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).YesxNoo Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or anemerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company”in Rule 12b-2 of the Exchange Act.: Large Accelerated FilerxAcceleratedfileroNon-acceleratedfileroSmallerreportingcompany☐Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new orrevised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.o Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internalcontrol over financial reporting under Section 404(b) of the Sarbanes-Oxley Act by the registered public accounting firm that prepared or issued its audit report.☒ If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in thefiling reflect the correction of an error to previously issued financial statements.o Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation receivedby any of the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b).o Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).Yes☐Nox As of June30, 2024, the last business day of the registrant's most recently completed second fiscal quarter, the aggregate market value of the votingcommon stock held by non-affiliates of the registrant, computed by reference to the closing price of such stock on June30, 2024 was approximately$2,136,728,988. Indicate the number of shares outstanding of each of the registrant’s classes of common stock, as of the latest practicable date. February24,2025-42,605,296 DOCUMENTS INCORPORATED BY REFERENCE Portions of the Registrant’s definitive proxy statement for its 2025 Annual Meeting of Shareholders are incorporated into Part III, Items 10-14 of thisAnnual Report on Form 10-K. The definitive proxy statement relating to the 2025 Annual Meeting of Shareholders will be filed within 120 days ofDecember31, 2024. INDEPENDENT BANK CORP.2024 ANNUAL REPORT ON FORM 10-KTABLE OF CONTENTS Part I Item 1.BusinessGeneralMarket Area and CompetitionLending ActivitiesSources of FundsRegulationHuman CapitalAvailable InformationItem1A.Risk FactorsItem 1B.Unresolved Staff CommentsItem 1C.CybersecurityItem 2.PropertiesItem 3.Legal ProceedingsItem 4.Mine Safety Disclosures PartII Item 5.Market for Independent Bank Corp.’s Common Equity, Related Stockholder Matters and Issuer Purchases of EquitySecuritiesItem 6.[RESERVED]Item 7.Management’s Discussion and Analysis of Financial Condition and Results of OperationsTable 1 - Selected Financial DataTable2 - Securities Portfolio CompositionTable3-Securities Portfolio, Weighted Average YieldsTable 4 - Aggregate Book Value and Market Value of Select SecuritiesTable5- Closed Residential Real Estate LoansTable 6 - Residential Mortgage Loan SalesTable7- Mortgage Servicing AssetTable8-Loan Portfolio CompositionTable 9-Scheduled Contractual Loan AmortizationTable10-Nonperforming AssetsTable 11 - Activity in Nonperforming AssetsTable12-Summary Net Charge-Offs to Average Loans OutstandingTable 13 - Summary of Allocation of Allowance for Credit LossesTable14- Maturities of Uninsured Time DepositsTable15- Assets Under AdministrationTable16 - Summary of Results of OperationsTable17 - Average Balance, Interest Earned/Paid & Average YieldsTable18 - Volume Rate AnalysisTable19 - Noninterest IncomeTable20 - Noninterest ExpenseTable21 - Tax Provision and Applicable Tax RatesTable 22 - Sources of LiquidityTable 23 - Interest Rate SensitivityItem 7A.Quantitativ