---
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"
generated_at: "2026-05-16T06:25:50.599777+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# First Internet Bancorp Q4 2025 net income $5.3M, diluted EPS $0.60; credit provision declines 66% QoQ

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562463-26-000010
- JSON: https://secwatch.observer/filing/0001562463-26-000010.json
- Plain text: https://secwatch.observer/filing/0001562463-26-000010.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.