First Internet Bank of Indiana: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 31.7% lower than in Q1 2026, at $411.0M. First Internet Bank of Indiana ranks 53rd of 87 Indiana banks on loan-to-deposit ratio, in the lower half at 79.71% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Internet Bank of Indiana sits 8.49 points lower, at 79.71% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $411.0M |
| Cash and noninterest-bearing balances to assets | 7.44% |
| Cash and securities | $1.47B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $239.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.33% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.71% |
| Net loans and leases to deposits | 78.61% |
| Loans and leases to core deposits | 89.24% |
| Core deposits to total deposits | 84.02% |
| Brokered deposits to total deposits | 5.36% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 92.00% | 71.32% | $0 | $614.9M |
| Q4 2023 | 94.70% | 72.68% | $0 | $614.9M |
| Q1 2024 | 91.86% | 72.71% | $0 | $574.9M |
| Q2 2024 | 92.96% | 75.14% | $0 | $575.0M |
| Q3 2024 | 84.64% | 72.99% | $0 | $515.0M |
| Q4 2024 | 85.43% | 76.09% | $0 | $295.0M |
| Q1 2025 | 86.44% | 80.86% | $0 | $395.0M |
| Q2 2025 | 84.50% | 81.99% | $0 | $264.5M |
| Q3 2025 | 75.95% | 81.57% | $0 | $249.5M |
| Q4 2025 | 79.42% | 81.94% | $0 | $249.5M |
| Q1 2026 | 76.77% | 83.65% | $0 | $239.5M |
| Q2 2026 | 79.71% | 84.02% | $0 | $239.5M |
First Internet Bank of Indiana liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Internet Bank of Indiana, freeSource: Call Report Schedules RC and RC-M, 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)