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First Internet Bank of Indiana
Fishers, IN·FDIC Cert #34607·Charter: STATE·Est. 19981228.0·HC: FIRST INTERNET BCORP
Total Assets
$5.5B
Q4 2025
Return on Assets
-0.50%
+0.33%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
75.59%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
42
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
-0.50%+0.33
ROE
-6.48%+4.19
Efficiency
75.59%-12.00
Equity/Assets
0.00%+0.00
NPL Ratio
1.54%+0.10
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
78.27%+3.54
Charge-offs
1.48%+0.05
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.5 | 0.5 | 0.6 | 0.6 | 0.2 | 0.1 | -0.8 | -0.5 |
| ROE | 6.0 | 6.3 | 6.8 | 7.0 | 2.6 | 1.7 | -10.7 | -6.5 |
| Efficiency | 66.6 | 65.1 | 64.1 | 62.0 | 61.0 | 61.4 | 87.6 | 75.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.3 | 0.6 | 0.7 | 0.8 | 1.0 | 1.4 | 1.5 |
| Charge-offs | 0.0 | 0.1 | 0.1 | 0.3 | 0.9 | 1.1 | 1.4 | 1.5 |
| Loan/Deposit | 90.9 | 91.9 | 83.7 | 84.5 | 85.5 | 83.6 | 74.7 | 78.3 |
Balance Sheet
Total Assets$5.5B
Total Deposits$4.9B
Total Loans$3.8B
Total Equity$426.3M
Profitability
ROA-0.50%
ROE-6.48%
Efficiency Ratio75.59%
Net Income$-28.8M
Risk & Asset Quality
NPL Ratio1.54%
Charge-off Rate1.48%
Loan/Deposit78.27%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans