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First Internet Bancorp
First Internet Bancorp (INBK) investor relations material
First Internet Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Achieved strong Q4 and full-year 2025 results, with Q4 net income of $5.3 million, adjusted net income of $5.6 million, and diluted EPS of $0.60 (adjusted $0.64), reflecting operational efficiency and digital-first growth.
Maintained nine consecutive quarters of interest income growth, driven by diversified lending, BaaS/fintech partnerships, and disciplined expense management.
Completed a strategic $850 million loan sale to Blackstone, enhancing capital and balance sheet flexibility.
BaaS initiatives generated over $1.3 billion in new deposits and processed $165 billion in payments, up 225% from 2024.
Returned $2.7 million to shareholders via dividends and share repurchases, including a buyback of 27,998 shares at $18.64 average price.
Financial highlights
Q4 net income was $5.3 million ($0.60 per diluted share); adjusted net income was $5.6 million ($0.64 per share) excluding a $400,000 pre-tax loss on loan sale.
Adjusted total revenue for Q4 was $42.1 million, up 21% year-over-year; adjusted pre-provision net revenue was $17.9 million, up 66% year-over-year.
Net interest income for Q4 was $30.3 million (up 29% year-over-year); FTE net interest income was $31.5 million; net interest margin improved to 2.22%, FTE NIM 2.30%, both up 55 bps year-over-year.
Total loan balances at year-end were $3.7 billion, up 4% sequentially; total deposits were $4.8 billion, down slightly from Q3 2025.
Tangible book value per share increased to $40.87, up 2.5% from 3Q25.
Outlook and guidance
2026 loan growth expected at 15%-17%, with net interest margin projected to reach 2.75%-2.80% by Q4 2026.
Full-year 2026 net interest income forecasted at $155-$160 million; non-interest income at $33-$35 million.
Operating expenses projected at $111-$112 million, reflecting continued tech and AI investment.
Provision for credit losses guided at $50-$53 million for 2026, with higher provisions in H1 and improvement in H2.
2026 EPS guidance is $2.35-$2.45.
Credit outlook: What changed for 2026?
BaaS revenue diversification strategy
SBA strategy: NIM and NII impact
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Next First Internet Bancorp earnings date
Q1 202623 Apr, 2026
First Internet Bancorp
Next First Internet Bancorp earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
First Internet Bancorp is a bank holding company offering online banking services through its subsidiary, First Internet Bank of Indiana. The company provides personal and business banking, commercial lending, and mortgage services via digital platforms. It operates without traditional branch offices, focusing on nationwide customer access through internet and mobile banking. First Internet Bancorp is headquartered in Fishers, Indiana, and its shares are listed on the NASDAQ.
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