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First Internet Bancorp (INBK) investor relations material
First Internet Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Adjusted revenue rose 30% year-over-year to $43.5 million, marking the eighth consecutive quarter of net interest income growth and net interest margin expansion.
Completed sale of $836.9 million in single-tenant lease financing loans, optimizing the balance sheet, enhancing capital ratios, and reducing interest rate risk.
Aggressive credit actions in small business and franchise finance portfolios led to a $34.8 million provision for credit losses and $21 million in net charge-offs.
Asset quality improved with delinquencies dropping to 35 basis points, the lowest in a year, and aligning with peers.
Significant fintech deposit growth provided robust liquidity and flexibility, with over $700 million of deposits moved off-balance sheet.
Financial highlights
Net interest income rose 39.5% year-over-year to $30.4 million, with net interest margin (FTE) increasing to 2.12%.
Adjusted total revenue was $43.5 million, up 30% from the prior quarter.
Net loss of $41.6 million ($4.76 per share); adjusted net loss excluding loan sale was $12.5 million ($1.43 per share).
Adjusted pre-tax, pre-provision income was $18.1 million, up over 50% sequentially and 64% year-over-year.
Non-interest income from fintech initiatives up 14% sequentially and 130% year-over-year.
Outlook and guidance
Q4 loan balances expected to increase 4–6% (unannualized), with origination levels consistent with prior quarters.
Q4 net interest margin (FTE) projected at 2.4–2.5%; net interest income $32.75–$33.5 million.
Q4 non-interest income expected at $10.5–$11.5 million, contingent on government shutdown duration.
Management expresses increased conviction in long-term profitable growth, citing a dedicated team, proactive approach, and strong liquidity.
No additional sales of single tenant lease financing loans are anticipated.
Impact of moving $2.1B fintech deposits off-balance sheet?
Reconcile rising NPLs with cleaner credit profile.
How does the loan sale support 1% ROAA target?
Assess peak credit issues and reserve adequacy
Detail strategic flexibility's growth drivers
Explain SBA shutdown impact on sales and originations
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Next First Internet Bancorp earnings date
Q4 202522 Jan, 2026
Next First Internet Bancorp earnings date
Q4 202522 Jan, 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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