{"schema_version":"secwatch.filing_event.v1","accession":"0001562463-26-000010","form_type":"8-K","ticker":"INBK","cik":"0001562463","company_name":"First Internet Bancorp","filed_at":"2026-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.442971+00:00","generated_at":"2026-05-16T06:25:50.599777+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"First Internet Bancorp Q4 2025 net income $5.3M, diluted EPS $0.60; credit provision declines 66% QoQ","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001562463-26-000010","json":"https://secwatch.observer/filing/0001562463-26-000010.json","markdown":"https://secwatch.observer/filing/0001562463-26-000010.md","text":"https://secwatch.observer/filing/0001562463-26-000010.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1562463/000156246326000010/0001562463-26-000010-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1562463/000156246326000010/inbk-20260129.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:25:50.599777+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}