Fishers, IN · Cert 34607 · First Internet Bcorp
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
17
Asset Quality
8
Profitability
5
Liquidity
70
Efficiency
61
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Fishers, IN · Cert 34607 · First Internet Bcorp
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Indianapolis-Carmel-Greenwood, IN · 2026 SOD (annual) · 5.3% share · #6 of 49 inst. · $4.8B of $91.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.58% | 0.20% | 0.14% | -0.83% | -0.50% | 0.32% | 0.32% | +18 bps | |
| Return on Equity | 6.77% | 7.03% | 2.57% | 1.74% | -10.67% | -6.48% | 4.25% | 4.12% | +238 bps | |
| Net Interest Margin | 1.65% | 1.61% | 1.85% | 1.90% | 1.94% | 2.15% | 2.38% | 2.39% | +49 bps | |
| Efficiency Ratio | 64.12% | 61.97% | 60.98% | 61.39% | 87.59% | 75.59% | 53.51% | 56.11% | -528 bps | |
| Non-Interest Burden | 0.79% | 0.69% | 0.84% | 0.97% | 1.72% | 1.61% | 0.89% | 1.03% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.54% | 10.95% | 9.58% | 13.65% | -3.23% | -2.95% | -2.52% | -8.64% | -2,229 bps | |
| Loan Growth (YoY) | 8.02% | 9.40% | 9.00% | 12.78% | -7.96% | -8.76% | -10.62% | -14.11% | -2,688 bps | |
| Deposit Growth (YoY) | 17.42% | 21.27% | 15.83% | 24.06% | 2.57% | -1.86% | 0.65% | -8.94% | -3,300 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.55% | 0.67% | 0.80% | 0.97% | 1.42% | 1.52% | 1.61% | 1.56% | +59 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.30% | 0.90% | 1.07% | 1.60% | 1.58% | 1.65% | 1.70% | +63 bps | |
| Allowance / Loans | 1.12% | 1.06% | 1.10% | 1.04% | 1.60% | 1.44% | 1.47% | 1.38% | +34 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.6x | 1.4x | 1.1x | 1.1x | 1.0x | 0.9x | 0.9x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.53% | 8.23% | 8.18% | 7.93% | 6.89% | 7.53% | 7.53% | 7.57% | -36 bps | |
| Total Risk-Based Capital | 12.34% | 12.16% | 12.03% | 11.63% | 12.46% | 12.08% | 12.12% | 12.09% | +46 bps | |
| Equity / Assets | 7.95% | 8.01% | 7.89% | 7.60% | 7.48% | 7.68% | 7.57% | 7.87% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.64% | 85.43% | 86.44% | 84.50% | 75.95% | 79.42% | 76.77% | 79.71% | -479 bps | |
| Liquid Assets / Assets | 16.71% | 12.37% | 11.41% | 11.73% | 18.57% | 12.64% | 15.27% | 12.07% | +35 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 295% | 332% | 339% | n/a | n/a | |
Fishers, IN · Cert 34607 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · First Internet Bcorp
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
0.32%
Rank 248 of 258
Net Interest Margin
2.39%
Rank 245 of 258
Efficiency Ratio
56.11%
Rank 100 of 257
Equity / Assets
7.87%
Rank 240 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.32% | 0.93% | 1.23% | 1.54% | Beats 4% | 248 / 258 | ||
| Return on Equity | 4.08% | 9.26% | 11.84% | 14.74% | Beats 5% | 244 / 258 | ||
| Net Interest Margin | 2.39% | 3.16% | 3.49% | 3.88% | Beats 5% | 245 / 258 | ||
| Efficiency Ratio | 56.11% | 51.71% | 60.30% | 69.65% | Beats 61% | 100 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.56% | 0.19% | 0.46% | 0.90% | Beats 12% | 227 / 258 | ||
| Net Charge-Offs / Loans | 0.87% | 0.01% | 0.02% | 0.07% | Beats 3% | 251 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.84% | 11.41% | 12.98% | 15.12% | Beats 19% | 210 / 258 | ||
| Total Risk-Based Capital Ratio | 12.09% | 12.10% | 13.91% | 16.08% | Beats 24% | 195 / 258 | ||
| Equity / Assets | 7.87% | 9.09% | 10.24% | 11.72% | Beats 7% | 240 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.71% | 73.24% | 86.34% | 95.95% | 35th pctl | 168 / 258 | ||
| Loans / Assets | 69.77% | 63.01% | 72.27% | 78.40% | 41st pctl | 151 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||