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 | |