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The themes Independent Bank is part of, the highest-graded companies in its industry, and the companies in its sector whose grade rose recently.
Highest-graded in Banks Regional
Graded A or B and worth $2B or more: A first, then the largest.
USBUS Bancorp \DE\$94.6BA
PNCPNC Financial Services Group, Inc.$92.1BA
NWGNatWest Group plc$64.7BA
NUNu Holdings Ltd.$60.5BA+
ITUBItau Unibanco Holding S.A.$37.5BA
Grade rose recently in Financials
Rose to A or B on a filing in the last 90 days, worth $2B or more: largest first.
BLKBlackRock, Inc.Nov 4, 2026CAGraded C, now A
HSBCHsbc Holdings plcOct 27, 2026CBGraded C, now B
GSThe Goldman Sachs Group, Inc.Nov 2, 2026BAGraded B, now A
WFCWells Fargo & CompanyOct 13, 2026BAGraded B, now A
CMECME Group Inc.Oct 21, 2026BAGraded B, now A
How it makes money
- Interest on loans
- Fees from banking and investment services
Competes with
What it sells6
Commercial real estate and construction loans
Loans to businesses and property owners, secured by buildings, rental properties or real estate projects under construction.
Commercial and industrial loans and credit lines
Term loans and revolving credit for business needs, often secured by equipment, machinery, accounts receivable or inventory.
Residential mortgages
Loans to people buying or refinancing homes, secured by the home.
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Home equity loans and lines of credit
Loans that let homeowners borrow against the value of their home.
Checking, savings and time deposit accounts
Accounts where consumers, businesses and municipalities keep money, including checking, savings, money market and fixed-term deposit accounts.
Investment management
Services that help customers manage investments.
Who buys it4
- Small and midsize businesses that borrow for property, equipment, working capital and other business needs.
- Consumers who borrow for homes, home improvements and other personal needs.
- Consumers, businesses and municipalities that keep money in deposit accounts.
- Customers who use investment management services.
What it stands on, and what could break it
What the business leans on
- 1The bank relies on deposits gathered in its Massachusetts, southern New Hampshire and Rhode Island markets as a principal source of funding.
- 2A large share of its lending is commercial, and much of its loan portfolio is secured by real estate.
- 3Its lending income and deposit costs are affected by interest rates and competition for borrowers and depositors.
What could go wrong
- 1A fall in commercial property values or rental demand, including weaker demand for office space, could reduce the value of loan collateral and make it harder for borrowers to repay.
- 2If borrowers experience financial trouble and loan losses exceed the bank's expectations, earnings could fall.
- 3Changes in interest rates or difficult economic conditions in its local markets could affect loan demand, deposit costs, borrowers' ability to repay and the bank's financial results.
About Independent Bank Corp.
Independent Bank owns Rockland Trust, a bank serving businesses and consumers in eastern Massachusetts, Worcester County, southern New Hampshire and Rhode Island. Rockland Trust makes business and household loans, takes customer deposits, and provides investment management and branch, online and mobile banking services.
- Head office
- Rockland, Massachusetts
- Founded
- 1985
- Employees
- 2,294 (2025-12-31, high)
- Listed on
- Nasdaq
- Financial year ends
- December 31
Built from Independent Bank Corp.’s own filings with the U.S. Securities and Exchange Commission (SEC). Figures are as reported, with per-share history restated onto today’s share basis. This describes a business — it is not investment advice and not a recommendation to buy or sell anything.
