earnings
confidence high
sentiment positive
materiality 0.75
First Internet Bancorp Q4 2025 net income $5.3M, diluted EPS $0.60; credit provision declines 66% QoQ
First Internet Bancorp
2025-FY EPS reported
-$4.03
- Net income $5.3M ($0.60 diluted EPS); adjusted EPS $0.64 excluding $0.4M loan sale loss.
- Revenue $41.7M, up 21% YoY; net interest income $30.3M, up 29% YoY; FTE NIM 2.30%.
- Provision for credit losses $12.0M, down 66% from Q3; net charge-offs 1.68%, improved from 1.89%.
- Loan balances $3.7B, up 4% QoQ; deposits $4.8B; loan-to-deposit ratio 77.4%.
- Tangible book value per share $40.87, up 3% QoQ; CET1 ratio 8.93%; $28K shares repurchased at avg $18.64.