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First Internet Bancorp reported Q2 2026 net income of $2,367K, up from $193K a year earlier, with basic EPS of $0.27. Net interest income rose to $32,439K as deposit interest expense declined, while total interest income was $76,636K.
Provision for credit losses on loans was $13,508K in the quarter and $30,114K for the first half, partially offset by small benefits on debt securities and off-balance sheet commitments. Noninterest income increased to $8,685K, led by $4,690K of gains on loan sales, and noninterest expense grew to $26,122K, mainly from higher salaries and benefits.
Total loans reached $3,811,073K and deposits $4,831,378K at June 30, 2026. Nonaccrual loans were $45,543K and loans 90 days or more past due and still accruing were $14,530K. The allowance for credit losses on loans stood at $53,096K, while shareholders’ equity was $363,547K.
First Internet Bancorp reported a sharp rebound in profitability for the quarter ended June 30, 2026. Net income was $2.4 million and diluted EPS $0.27, both up significantly from a year earlier. Total revenue rose 23% year-over-year to $41.1 million, supported by a 16% increase in net interest income to $32.4 million and a 56% rise in noninterest income to $8.7 million. Fully-taxable equivalent net interest margin expanded 43 basis points to 2.47%, and pre-provision net revenue grew 28% to $15.0 million.
Total loans reached $3.8 billion, up 1% from the prior quarter, while total deposits were $4.8 billion, down 3% as higher-cost CDs and brokered deposits matured and approximately $2.4 billion of fintech deposits moved off-balance sheet. The cost of interest-bearing deposits declined 54 basis points year-over-year to 3.38%, and the loans-to-deposits ratio was 79%. Credit metrics showed mixed signals: provision for credit losses was $13.4 million, down 18% from the prior quarter, and nonperforming loans fell slightly to 1.58% of total loans, while net charge-offs increased to 1.77% of average loans. Tangible common equity to tangible assets was 6.46%, CET1 capital 8.90% and total capital 12.22%, with tangible book value per share edging up to $41.09.
Management highlighted strong growth in fee-based businesses, particularly Banking-as-a-Service, where fee revenue from fintech partners increased markedly. For full-year 2026, the company projects diluted EPS of $2.35–$2.45, loan growth of 4–6%, FTE net interest margin rising to 2.75–2.80% by the fourth quarter, FTE net interest income of $141–$142 million, noninterest income of $40.5–$41 million, noninterest expense of $106–$107 million, and credit loss provision of $47–$48 million, with continual improvement expected in the second half of 2026.
First Internet Bancorp declared a quarterly cash dividend of $0.06 per common share. The dividend will be paid on July 15, 2026 to shareholders of record at the close of business on June 30, 2026.
The company notes that any future dividends will be at the Board’s sole discretion, based on results of operations, financial condition, capital needs, regulatory factors and overall strategy. First Internet Bancorp is a bank holding company with $5.7 billion in assets as of March 31, 2026, operating nationally through its branchless First Internet Bank platform.
First Internet Bancorp reported the results of its annual shareholder meeting held on May 18, 2026. Shareholders elected eight directors to one-year terms, with each nominee receiving more votes “for” than “withheld,” and 1,020,891 broker non-votes recorded for each director election.
Shareholders also approved, on an advisory basis, the compensation of the company’s named executive officers, with 5,137,601 votes for, 1,085,864 against, 31,234 abstentions and 1,020,891 broker non-votes. In addition, shareholders ratified the appointment of Forvis Mazars, LLP as independent registered public accounting firm for 2026, receiving 6,977,587 votes for, 229,221 against and 68,782 abstentions.
Bade Aasif M. reported acquisition or exercise transactions in this Form 4 filing.
First Internet Bancorp director Bade Aasif M. received a grant of 2,416 shares of Common Stock as a restricted stock award. This award is scheduled to vest on the earlier of May 18, 2027 or immediately before the company’s next annual shareholders’ meeting.
After this grant, he holds 14,335 shares directly and 32,500 shares indirectly through a spousal lifetime access trust. The transaction is a compensation-related stock award rather than an open-market purchase or sale.
First Internet Bancorp director John K. Keach Jr. received a grant of 2,416 shares of common stock at no cost as a restricted stock award. The award is scheduled to vest on the earlier of May 18, 2027 or immediately before the company’s next annual shareholders’ meeting. After this grant, he holds 39,571 shares directly, including 109 shares acquired through the company’s Dividend Reinvestment and Stock Purchase Plan.
First Internet Bancorp director Dee Ann C. reported a compensation-related stock grant on Common Stock. She acquired 2,416 restricted shares at no cost, scheduled to vest the earlier of May 18, 2027 or immediately before the company’s next annual shareholders’ meeting. After this award, she holds 19,532 shares in total, including 46 shares accumulated through the company’s Dividend Reinvestment and Stock Purchase Plan.
First Internet Bancorp director Jean L. Wojtowicz received a grant of 2,416 shares of common stock as a restricted stock award. The award carries no cash purchase price and is scheduled to vest on the earlier of May 18, 2027 or immediately before the company’s next annual shareholders’ meeting. Following this award, Wojtowicz directly holds 42,421 common shares, which includes 377 shares acquired through the company’s Dividend Reinvestment and Stock Purchase Plan between July 15, 2025 and May 18, 2026.
First Internet Bancorp director Michele L. Raines received 2,416 shares of common stock as a restricted stock award. The award vests on the earlier of May 18, 2027, or immediately before the company’s next annual shareholders’ meeting. After this grant, she directly holds 6,440 shares, which includes 17 shares acquired between July 16, 2025 and May 18, 2026 through the company’s Dividend Reinvestment and Stock Purchase Plan.
First Internet Bancorp director Joseph A. Fenech received a grant of 2,416 shares of common stock as a restricted stock award. The award carries a zero dollar grant price and is scheduled to vest on the earlier of May 18, 2027 or immediately before the company’s next annual shareholders’ meeting.
After this award, Fenech directly holds 12,535 common shares, which include 17 shares acquired between April 16, 2026 and May 18, 2026 through the First Internet Bancorp Dividend Reinvestment and Stock Purchase Plan. A separate entry reports 4,050 shares owned indirectly through GenOpp Financial Fund LP, for which he disclaims beneficial ownership.