First Internet Bank of Indiana: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 14.42 percentage points lower than in Q1 2026, at 54.26%. On return on assets, First Internet Bank of Indiana is 6th from the bottom among 87 Indiana banks, 0.31% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, First Internet Bank of Indiana reported 0.31% on return on assets in Q2 2026, 0.97 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.84% |
| Tier 1 risk-based capital ratio | 10.84% |
| Total risk-based capital ratio | 12.09% |
| Tier 1 leverage ratio | 7.57% |
| Equity capital to assets | 7.87% |
| Tangible equity to tangible assets | 7.53% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.54% |
| Non-performing assets ratio | 1.85% |
| Net charge-off ratio | 1.76% |
| Texas ratio | 24.91% |
| Allowance for credit losses to loans | 1.38% |
| Reserve coverage of non-performing loans | 54.26% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.31% |
| Return on equity | 3.99% |
| Net interest margin | 2.56% |
| Efficiency ratio | 57.35% |
| Yield on earning assets | 5.67% |
| Cost of funds | 3.33% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.71% |
| Core deposits to total deposits | 84.02% |
| Brokered deposits to total deposits | 5.36% |
| Deposits to assets | 87.53% |
| Securities to assets | 19.07% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.77% | 11.77% | 12.71% | 8.97% | 0.37% |
| Q4 2023 | 11.73% | 11.73% | 12.73% | 8.95% | 0.44% |
| Q1 2024 | 11.60% | 11.60% | 12.66% | 8.92% | 0.51% |
| Q2 2024 | 11.47% | 11.47% | 12.58% | 8.77% | 0.55% |
| Q3 2024 | 11.22% | 11.22% | 12.34% | 8.53% | 0.63% |
| Q4 2024 | 11.11% | 11.11% | 12.16% | 8.23% | 0.62% |
| Q1 2025 | 10.91% | 10.91% | 12.03% | 8.18% | 0.20% |
| Q2 2025 | 10.56% | 10.56% | 11.63% | 7.93% | 0.07% |
| Q3 2025 | 11.21% | 11.21% | 12.46% | 6.89% | -2.62% |
| Q4 2025 | 10.83% | 10.83% | 12.08% | 7.53% | 0.51% |
| Q1 2026 | 10.86% | 10.86% | 12.12% | 7.53% | 0.32% |
| Q2 2026 | 10.84% | 10.84% | 12.09% | 7.57% | 0.31% |
First Internet Bank of Indiana vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Internet Bank of Indiana, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)