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Independent Bank forecasts modest rise in Q4 net interest income

By Public Technologies
  • Independent Bank expects modest net interest income growth in Q4 2026, with reported net interest margin in the low 3.90% range.
  • Margin guidance assumes unchanged interest rates, including an estimated 10-basis-point benefit from purchase loan accretion.
  • Deposit growth is projected flat to low single digits annualized; commercial and industrial loans should rise at a mid-single-digit annualized rate.
  • Expenses excluding core conversion costs should increase at a low-single-digit annualized rate; conversion costs are estimated at $1 million-$1.5 million.
  • Q3 reported net interest margin reached 3.89%; the approved commercial pipeline totaled $574 million at September 30, up 12.5% from June 30.


Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Independent Bank Corp. published the original content used to generate this news brief on November 03, 2026, and is solely responsible for the information contained therein.

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