The bank and the reporting entity
First Internet Bank of Indiana is the insured subsidiary of First Internet Bancorp. The company’s June 30, 2026 disclosures reported consolidated assets of approximately $5.6 billion, deposits of $4.8 billion and stockholders’ equity of $363.5 million. These measures describe the holding-company consolidated balance sheet at that date; they are not current intraday values. [1][3]
The bank delivers accounts nationally through digital channels and operates commercial and consumer lending portfolios. Remote distribution lowers dependence on branches but increases the importance of online acquisition, identity verification, fraud controls, third-party infrastructure and reliable service operations. The filing and earnings release describe the company’s own reported mix and performance. [1][2]
Credit and margin signals
The Q2 release reported a 2.47% net interest margin and $13.4 million provision for credit losses; the company also reported 30-day of 0.78% for performing loans. Each metric is definition- and period-specific. Provision reflects expectations and portfolio growth as well as realized deterioration; delinquency is a lagging measure and may exclude nonperforming assets. [2]
A useful review pairs these measures with criticized and classified loans, , nonaccruals, reserve coverage, loan growth and funding costs. Digital and specialty portfolios can be sensitive to commercial real estate, construction, equipment and consumer credit cycles; the filing’s segment notes are more informative than a single blended ratio. [1]
What would change the view
Digital scale can support national distribution without a branch footprint, but creates concentration in technology, marketing and remote fraud prevention. Deposit competition can pressure margin, while rapid asset growth can consume capital and increase underwriting workload. Track quarterly loan composition, deposit mix, sources, technology incidents and operating expenses. [1][2]
Bank-level call reports and holding-company filings answer different questions; reconcile rather than merge them casually. The June 30, 2026 figures should be refreshed from the next filing before being used as present-day facts. Nothing in public metrics establishes a confidential supervisory rating.
Sources
- First Internet Bancorp — Q2 2026 Form 10-QFiling / reportBack to text: ↑1↑2↑3↑4
- First Internet Bancorp — Q2 2026 resultsSourceBack to text: ↑1↑2↑3
- FDIC BankFind — First Internet Bank of IndianaOfficial sourceBack to text: ↑