美国独立银行美股招股说明书(2025-03-24版)

独立银行公司 7.25% 2035到期固定转浮动利率次级债券 IndependentBankCorp.（“Independent”，“该公司”，“我们”或“我们的”）提供总额为3亿美元的7.25%固定利率至浮动利率次级债券（以下简称“债券”），到期日为2035年。这些债券与我们的无担保次级债务享有同等付款权利，但该债务在付款权利上不隶属于这些债券。 The Notes will mature on April 1, 2035. From and including the date of original issuance to, but excluding, April 1, 2030 (unless redeemed prior to such date), the Notes will bear interest at a rate of 7.25% per year, payable semiannually in arrearson April 1 and October 1 of each year, commencing on October 1, 2025. From and including April 1, 2030 to, butexcluding, the maturity date (unless redeemed prior to such date), the Notes will bear interest at a floating rate per year equal to the Benchmark (which is expected to be Three-Month Term Secured Overnight Funding Rate (\"SOFR\")) (subject to the provisions described under \"Description of the Notes—Payment of Principal and Interest—Floating Rate Period\" in this prospectus supplement), plus 353 basis points, payable quarterly in arrearson January 1, April 1, July 1 and October 1 of each year, commencing on July 1, 2030. Notwithstanding the foregoing, if the Benchmark is less than zero, the Benchmark shall be deemed to be zero. Prior to this offering, there has been no public market for the Notes. The Notes will not be listed on any securities exchange or included in any automated dealer quotations system. We may redeem the Notes, at our sole option, beginning with the interest payment date of April 1, 2030, and on any interest payment date thereafter, in whole or in part (an \"Optional Redemption\"), at a redemption price equal to 100% of the principal amount of the Notes to be redeemed, plus accrued and unpaid interest thereon, but excluding the date of redemption, subject to the prior approval of the Board of Governors of the Federal Reserve System (the \"Federal Reserve Board\"), to the extent such approval is then required under the rules of the Federal Reserve Board and the applicable laws or regulations, including capital regulations. The Notes may not otherwise be redeemed by us prior to the scheduled maturity of the Notes, unless certain events occur, as described under \"Description of the Notes—Optional Redemption and Redemption Upon Special Events\" in this prospectus supplement. The Notes will be unsecured obligations of Independent and will be subordinate and junior in the right of payment to the prior payment in full of all of our existing and future seniorindebtedness (as defined in our subordinated debt indenture under which the Notes are to be issued (the “Indenture”) and described under “Description of the Notes—Subordination of the Notes” in this prospectus supplement), whether secured or unsecured. No sinking fund will exist for the Notes, and no sinking fund payments will be made with respect to the Notes. The Notes will not be convertible or exchangeable for any other securities or property. Because Independent is a holding company, our cash flows and, consequently, our ability to pay and discharge our obligations, including the principal of and interest on our debt securities, depend on dividends, distributions and other payments made to us by our subsidiaries, primarily our wholly-owned subsidiary, Rockland Trust Company, which is a Massachusetts trust company chartered in 1907 (the “Rockland Trust”), and fundswe obtain from our corporate borrowings or sales of our securities. Our right to receive any dividends or to receive any payments or distributions of cash or other assets from our subsidiaries upon their liquidation or reorganization and the consequent right of the holders of the Notes to participate in the proceeds of those payments or distributions are structurally subordinate to the prior claims of our subsidiaries’ respective creditors, including the depositors of Rockland Trust, except to the extent that we may be a creditor with recognized claims against any such subsidiary. The Notes are obligations of Independent only and are not obligations of and are not guaranteed by any of our subsidiaries, including Rockland Trust. 投资本票据涉及一定风险。在投资本票据之前，您应考虑“”标题下的信息。风险因素始于本招股说明补充资料的第S-7页，以及我们10-K年度报告中的“风险因素”部分（针对截至2024年12月31日的年度，以下简称“2024年度报告”），本报告对此部分内容予以参照。 公开募股价格(1) 承保折扣(2) 收入，扣除费用后，归独立 证监会、联邦存款保险公司（“FDIC”）、联邦储备委员会、任何州证券委员会或任何其他监管机构均未批准或驳斥这些票据，也未决定这份说明书补充或附带的说明书是否真实或完整。任何与此相反的陈述都是一项刑事犯罪。 《笔记》不是储蓄账户、存款或其他银行的义务，也不是由FDIC或任何其他政府机构承保或保证。 承销商期望仅通过保管信托公司及其参与者的设施，以即期可用资金或在2025年3月25日或之前支付，交付票据（此类结算被称为“T+3”）。详情请见“承销”。 目录 关于本招股说明书补充 本文件分为两部分。第一部分是本增刊，其中描述了本次债券发行的具体条款以及与我们及我们的财务状况相关的一些事项。第二部分是随附的基本增刊，日期为2024年8月8日，提供了关于我们可能不时提供的证券的更一般信息，其中一些可能不适用于本次发行。本增刊补充和随附的增刊是S-3表格注册声明的一部分，我们将其作为“知名老练发行人”提交给证券交易委员会（以下简称“SEC”），根据1933年证券法（以下简称“证券法”）第405条的定义，并按照SEC的保留注册规则进行。您应阅读本增刊补充和随附的增刊，以及在此增刊补充和随附的增刊的“参考纳入某些信息”标题下描述的参考纳入的信息。 如果本补充说明中的信息与附随的招股说明中的信息有任何不同，您应依赖本补充说明中的信息。如果信息与我们所引用的任何文件中的陈述相冲突，则您应仅考虑较新文件中的陈述。本补充说明、附随的招股说明或任何自由写作招股说明中所包含或引用的信息，仅适用于适用文件的日期。自该日期以来，我们的业务、财务状况、经营结果和前景可能已经发生变化。 既不是独立机构也不是承销商授权任何人提供与该招股说明书补充文件、相关招股说明书或公司或代表公司准备的任何免费写作招股说明书所包含或参照的内容不同或额外的信