First Internet Bank of Indiana: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Internet Bank of Indiana of Fishers, IN against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.31% | 1.46% | -1.15% | 5th bottom |
| ROAE | 3.99% | 12.71% | -8.72% | 8th bottom |
| Net Interest Margin | 2.56% | 3.85% | -1.29% | 5th bottom |
| Efficiency Ratio | 57.35% | 57.40% | -0.05% | 54th above |
| PPNR / Avg Assets | 1.24% | 1.88% | -0.64% | 24th bottom |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.67% | 5.72% | -0.05% | 58th above |
| Cost of Funds | 3.33% | 2.01% | +1.32% | 4th bottom |
| Net Interest Spread | 2.27% | 3.18% | -0.91% | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.54% | 1.00% | +1.54% | 7th bottom |
| NPA / Total Assets | 1.85% | 0.76% | +1.09% | 8th bottom |
| NCO / Avg Loans | 1.76% | 0.42% | +1.34% | 2nd bottom |
| ACL / Total Loans | 1.38% | 1.31% | +0.07% | 78th top |
| ACL / NPLs (Coverage) | 54.26% | 565.48% | -511.22% | 10th bottom |
| Texas Ratio | 24.91% | 7.35% | +17.56% | 4th bottom |
| Provision / NCO | 92.08% | 619.88% | -527.80% | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.84% | 17.35% | -6.51% | 7th bottom |
| Tier 1 Ratio | 10.84% | 17.38% | -6.54% | 7th bottom |
| Total Capital Ratio | 12.09% | 18.43% | -6.34% | 10th bottom |
| Leverage Ratio | 7.57% | 11.44% | -3.87% | 1st bottom |
| Equity / Assets | 7.87% | 11.34% | -3.47% | 6th bottom |
| TCE / Tangible Assets | 7.53% | 10.51% | -2.98% | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.71% | 86.97% | -7.26% | 71st above |
| Core Deposit Ratio | 84.02% | 85.56% | -1.54% | 31st below |
| Uninsured Deposit Ratio | 36.90% | 33.12% | +3.78% | 35th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.33% | 5.70% | -1.37% | 46th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -8.64% | 9.72% | -18.36% | 2nd bottom |
| Loan Growth (Y/Y) | -14.11% | 8.11% | -22.22% | 2nd bottom |
| Deposit Growth (Y/Y) | -8.94% | 7.91% | -16.85% | 2nd bottom |
See First Internet Bank of Indiana's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Internet Bank of Indiana, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Internet Bank of Indiana profile, how to read a UBPR, or how this data updates.