Independent Bank Corp. is a bank holding company that operates as a full-service commercial bank offering deposit services, commercial and residential lending, investment management and advisory, mortgage banking, and treasury services to retail customers, small-to-medium businesses, commercial enterprises, and high-net-worth individuals across eastern Massachusetts and southern New Hampshire. The bank generates revenue primarily from net interest income earned on its loan and securities portfolios relative to the cost of deposits and borrowings, supplemented by non-interest income from deposit fees, investment management services, mortgage banking operations, and insurance-related gains. The company pursues growth through both organic expansion of its loan and deposit businesses and selective acquisitions that meet acceptable financial return criteria.