First Internet Bank of Indiana
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Data as of · sourced from FFIEC call reports. How we update
First Internet Bank of Indiana is an FDIC-insured commercial bank headquartered in Fishers, IN, established in 1998 (FDIC certificate 34607), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $5.53B, down 8.6% from Q2 2025, the 11th largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 10.84% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34607
- Headquarters
- Fishers, IN
- Established
- 1998
- Total assets, Q2 2026
- $5.53B
- Assets vs Q2 2025
- -8.6%
- CET1 ratio, Q2 2026
- 10.84%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 074014187
- Latest call report
- Q2 2026, FFIEC 041 · First Internet Bank of Indiana call report
- Holding company
- FIRST INTERNET BANCORP
- Asset rank in state
- 11th of 87 in Indiana
First Internet Bank of Indiana spends more to run itself than most banks of its size. It reported $5.5 billion in assets at June 30, 2026, down 8.6% from a year earlier. It earns about $0.31 a year on every $100 of assets, a small fraction of the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also keeps 2.56 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
The balance sheet shrank over the year: over the year loans fell 14.1% and deposits fell 8.9%. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.06% of loans from 0.77% a year earlier. Funding is the softer spot: it pays an average of 3.33% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 2.01%).
As of June 30, 2026, First Internet Bank of Indiana reported a CET1 capital ratio of 10.84%, a return on assets of 0.31%, a nonperforming-loan ratio of 1.56% and a Texas ratio of 9.62%. The figures come from its call report filed with the FFIEC.
Of the 87 banks headquartered in Indiana, First Internet Bank of Indiana is the 11th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.8% to $5.53B, loans rose 0.6% and deposits fell 3.1%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 27.6% of total loans, ahead of non-owner-occupied commercial real estate loans at 22.7%. The FDIC Summary of Deposits lists a single office for it, in Fishers, IN. By the capital ratios in its Q2 2026 call report, First Internet Bank of Indiana meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 8701 E 116th St, Fishers, IN 46038
- County
- Hamilton
- Metro Area
- Indianapolis-Carmel-Greenwood, IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- December 28, 1998
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 377
- Domestic deposits
- $4.84B
- Allowance for credit losses
- $53.1M
- Net charge-offs (YTD)
- $32.7M
- Average total assets
- $5.65B
- Average total loans
- $3.84B
- Average interest-bearing deposits
- $4.72B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- December 28, 1998
- FDIC Cert
- 34607
- Fed RSSD
- 2758613
- SEC CIK
- 1562463 → filed by FIRST INTERNET BANCORP
- Website
- www.firstib.com →
- Parent Holding Company
- FIRST INTERNET BANCORP (RSSD 3393178) · INBK
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| David B Becker | CEO | Chairman and CEO |
| Nicole S. Lorch | PRES | President & COO |
| Kenneth J. Lovik | CFO | Executive Vice President & CFO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Internet Bank of Indiana's total assets ran between $5.15B (Q4 2023) and $6.05B (Q2 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$5.53B total assets against $6.05B; $5.09B total liabilities against $5.59B.
$3.80B net loans and leases against $4.44B; $4.84B total deposits against $5.31B.
$1.05B securities against $919.2M; $411.0M cash and balances due against $446.7M.
$76.6M total interest income against $80.9M; $42.6M total interest expense against $51.3M.
$34.1M net interest income against $29.6M.
$8.5M total noninterest income against $4.2M; $25.0M total noninterest expense against $20.9M.
$13.4M provision for credit losses against $13.6M.
$4.3M net income against $1.0M.
0.31% return on assets against 0.07%; 2.56% net interest margin against 2.12%.
10.84% CET1 capital ratio against 10.56%; 7.57% tier 1 leverage ratio against 7.93%.
Inside the full First Internet Bank of Indiana terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First Internet Bank of Indiana rankings
Its closest position to the top of a national ranking is 258 of 4,196, for total assets; its furthest is 3,396 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -2.62% (Q3 2025) to 0.63% (Q3 2024) and its net interest margin ran from 1.82% (Q3 2024) to 2.56% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.84% | 0.31% | 1.56% | 9.62% | 2.56% |
| Q1 2026 | 10.86% | 0.32% | 1.61% | 10.30% | 2.51% |
| Q4 2025 | 10.83% | 0.51% | 1.52% | 10.28% | 2.34% |
| Q3 2025 | 11.21% | -2.62% | 1.42% | 9.56% | 2.02% |
| Q2 2025 | 10.56% | 0.07% | 0.97% | 7.38% | 2.12% |
| Q1 2025 | 10.91% | 0.20% | 0.80% | 6.28% | 1.97% |
| Q4 2024 | 11.11% | 0.62% | 0.67% | 4.91% | 1.86% |
| Q3 2024 | 11.22% | 0.63% | 0.55% | 4.33% | 1.82% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Internet Bank of Indiana (main office) | Fishers , IN | 46038 | $4.84B |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 2, 2007 | Structure Change | Acquired Landmark Savings Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 2.2% of deposits in IN, rank 13 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 49 applications, 0 loans originated, $0 originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 450 loans, $658.0M approved, $1.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Internet Bank of Indiana
What are First Internet Bank of Indiana's total assets?
As of the Q2 2026 filing, First Internet Bank of Indiana reported total assets of $5.53 billion in its FFIEC call report.
Where is First Internet Bank of Indiana headquartered?
It is headquartered in Fishers, IN, United States.
When was First Internet Bank of Indiana founded?
It was established in 1998, per the FDIC institution directory.
Is First Internet Bank of Indiana FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34607). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Internet Bank of Indiana?
First Internet Bank of Indiana's primary federal regulator is the FDIC.
What is First Internet Bank of Indiana's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.84% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Internet Bank of Indiana operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Internet Bank of Indiana's Texas Ratio?
Its Texas Ratio is 9.62% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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