美国独立银行 2025年度报告

WASHINGTON, D.C. 20549 FORM 11-K [X] ANNUAL REPORT PURSUANT TO SECTION 15 (d)OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December31, 2025 OR For the transition period from to Full title of the plan and the address of the plan, if different from that of issuer named below: B.Name of the issuer of the securities held pursuant to the Plan and the address of its principal office: Office Address: 2036 Washington Street, Hanover, Massachusetts 02339 Exhibit 23.1 Consent of Ernst & Young LLP Report of Independent Registered Public Accounting Firm To the Plan Participants and the Plan Administrator of Rockland Trust Company Employee Savings, Profit Sharing and StockOwnership Plan Opinion on the Financial Statements We have audited the accompanying statements of net assets available for benefits of Rockland Trust Company Employee Savings,Profit Sharing and Stock Ownership Plan (the Plan) as of December 31, 2025 and 2024, and the related statements of changes in netassets available for benefits for the years then ended, and the related notes (collectively referred to as the “financial statements”). Inour opinion, the financial statements present fairly, in all material respects, the net assets available for benefits of the Plan at December31, 2025 and 2024, and the changes in its net assets available for benefits for the years then ended, in conformity with U.S. generally Basis for Opinion These financial statements are the responsibility of the Plan’s management. Our responsibility is to express an opinion on the Plan’sfinancial statements based on our audits. We are a public accounting firm registered with the Public Company Accounting OversightBoard (United States) (PCAOB) and are required to be independent with respect to the Plan in accordance with the U.S. federalsecurities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB. We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the auditto obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud.The Plan is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting. As part ofour audits we are required to obtain an understanding of internal control over financial reporting but not for the purpose of expressingan opinion on the effectiveness of the Plan’s internal control over financial reporting. Accordingly, we express no such opinion. Our audits included performing procedures to assess the risks of material misstatement of the financial statements, whether due toerror or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidenceregarding the amounts and disclosures in the financial statements. Our audits also included evaluating the accounting principles usedand significant estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe Supplemental Schedule Required by ERISA The accompanying supplemental schedule of assets (held at end of year) as of December 31, 2025 (referred to as the “supplementalschedule”), has been subjected to audit procedures performed in conjunction with the audit of the Plan’s financial statements. Theinformation in the supplemental schedule is the responsibility of the Plan’s management. Our audit procedures included determiningwhether the information reconciles to the financial statements or the underlying accounting and other records, as applicable, andperforming procedures to test the completeness and accuracy of the information presented in the supplemental schedule. In forming /s/ Ernst & Young LLP We have served as the Plan’s auditor since 2010. Boston, Massachusetts June25, 2026 Rockland Trust Company Employee Savings, Profit Sharing and Stock Ownership PlanNotes to Financial Statements Description of the PlanThefollowing description of the Rockland Trust Company(the“Company”or“Plan Sponsor”or“Plan Administrator”) Employee Savings, Profit Sharing and Stock Ownership Plan (the“Plan”) provides only general GeneralThe Plan is a defined contribution plan covering all eligible employees of the Company. Employees are eligible to participate in the Plan, regardless of age. In order to be eligible to receive the Company matchingcontributions, qualified Safe Harbor and discretionary non-elective contributions, and supplemental non-elective contributions, employees must have completed one year of service, and complete 1000 hours of ContributionsUnder the provisions of the Plan, subject to Internal Revenue Service (“IRS”) limitations, employees who participate in the Plan may contribute up to 99% of their compensation each payroll period on a pre‑tax basisand up to an additional 10% of their compensation on an after‑tax basis. H