First Internet Bank of Indiana: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 16.16 percentage points higher than in Q1 2026, at 289.44%. 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). First Internet Bank of Indiana reported 79.71% on loan-to-deposit ratio for Q2 2026, 8.49 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.86B |
| Net loans and leases | $3.80B |
| Loans held for sale | $44.8M |
| Loans to total assets | 69.77% |
| Loan-to-deposit ratio | 79.71% |
| Net loans to equity capital | 8.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.94% |
| Multifamily (5+ residential) | 1.76% |
| Commercial and industrial | 27.57% |
| Consumer | 11.83% |
| Credit cards | 0.02% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 12.04% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 289.44% |
| Construction concentration (Tier 1 capital + allowance) | 92.61% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.42% |
| Interest income on loans | $60.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $3.77B | $4.09B | 31.96% | 24.29% | 10.12% |
| Q4 2023 | $3.86B | $4.08B | 31.07% | 26.02% | 10.08% |
| Q1 2024 | $3.93B | $4.28B | 30.74% | 26.30% | 9.98% |
| Q2 2024 | $3.98B | $4.28B | 30.13% | 26.09% | 10.24% |
| Q3 2024 | $4.07B | $4.81B | 31.52% | 26.37% | 10.26% |
| Q4 2024 | $4.23B | $4.95B | 30.63% | 26.26% | 9.97% |
| Q1 2025 | $4.29B | $4.96B | 30.14% | 25.59% | 9.94% |
| Q2 2025 | $4.49B | $5.31B | 32.92% | 26.85% | 9.70% |
| Q3 2025 | $3.75B | $4.93B | 20.78% | 32.14% | 11.66% |
| Q4 2025 | $3.86B | $4.85B | 22.48% | 30.99% | 11.39% |
| Q1 2026 | $3.83B | $4.99B | 23.51% | 29.29% | 11.62% |
| Q2 2026 | $3.86B | $4.84B | 25.94% | 27.57% | 11.83% |
First Internet Bank of Indiana loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Internet Bank of Indiana, freeSource: Call Report Schedule RC-C, 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)