First Internet Bank of Indiana: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.30 percentage points to 7.87%. First Internet Bank of Indiana has the 3rd lowest CET1 ratio of the 50 banks headquartered in Indiana, at 10.84% as of Q2 2026. First Internet Bank of Indiana reported 10.84% on CET1 ratio for Q2 2026, 2.64 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.84% |
| Tier 1 risk-based capital ratio | 10.84% |
| Total risk-based capital ratio | 12.09% |
| Tier 1 leverage ratio | 7.57% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $425.8M |
| Tier 1 capital | $425.8M |
| Total risk-based capital | $475.0M |
| Total equity capital | $435.0M |
| Risk-weighted assets | $3.93B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.87% |
| Tangible equity to tangible assets | 7.53% |
| Equity capital to average assets | 7.70% |
| Internal capital growth rate | 4.01% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $225.3M |
| Retained earnings | $229.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$21.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.77% | 11.77% | 12.71% | 8.97% | $3.94B |
| Q4 2023 | 11.73% | 11.73% | 12.73% | 8.95% | $3.96B |
| Q1 2024 | 11.60% | 11.60% | 12.66% | 8.92% | $4.01B |
| Q2 2024 | 11.47% | 11.47% | 12.58% | 8.77% | $4.08B |
| Q3 2024 | 11.22% | 11.22% | 12.34% | 8.53% | $4.20B |
| Q4 2024 | 11.11% | 11.11% | 12.16% | 8.23% | $4.28B |
| Q1 2025 | 10.91% | 10.91% | 12.03% | 8.18% | $4.33B |
| Q2 2025 | 10.56% | 10.56% | 11.63% | 7.93% | $4.44B |
| Q3 2025 | 11.21% | 11.21% | 12.46% | 6.89% | $3.73B |
| Q4 2025 | 10.83% | 10.83% | 12.08% | 7.53% | $3.89B |
| Q1 2026 | 10.86% | 10.86% | 12.12% | 7.53% | $3.88B |
| Q2 2026 | 10.84% | 10.84% | 12.09% | 7.57% | $3.93B |
First Internet Bank of Indiana regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Internet Bank of Indiana, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Internet Bank of Indiana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34607) · FFIEC NIC profile (RSSD 2758613)