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First Internet Bancorp (INBK) investor relations material
First Internet Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income for Q2 2025 was $0.2M ($0.02 EPS), reflecting credit resolution efforts in franchise finance and small business portfolios, with total revenue of $33.5M, down 5.6% from Q1 but up 3.7% year-over-year.
Pre-tax, pre-provision income was $11.7M, up 17.2% year-over-year but down 1.8% sequentially.
Total portfolio loan balances increased 2.5% from Q1 2025; deposit growth of 7.1% from Q1 and 24.0% year-over-year, driven by fintech partnerships.
Book value per share increased to $44.79; tangible book value per share to $44.25.
Capital position remains solid with TCE/TA of 6.35% and CET1 ratio of 8.90%.
Financial highlights
Net interest income for Q2 was $28M, up 11.5% sequentially and 31.2% year-over-year; net interest margin rose to 1.96% (2.04% FTE), up 14 bps from Q1 and 29 bps year-over-year.
Noninterest income was $5.6M, down 46.7% from Q1 and 49.6% year-over-year, mainly due to lower gain on sale of SBA loans.
Noninterest expense for Q2 was $21.8M, down 7.5% from Q1 and 2.4% year-over-year, with lower salaries and consulting fees offset by higher fintech-related costs.
Provision for credit losses for Q2 was $13.6M, up from $3.9M year-over-year; net charge-offs for the quarter were $14.3M, mainly in small business and franchise finance.
Total loans grew by $108.2M (2.5%) sequentially and $401.4M (10.1%) year-over-year.
Outlook and guidance
Loan portfolio expected to grow 2% (unannualized) in Q3 and Q4 2025; FY 2026 loan growth guidance at 5–7%.
Net interest income projected at $33.5M in Q3, $35.5M in Q4, and $158–163M for FY 2026; NIM (FTE) guidance for FY 2026 is 2.50–2.60%.
Noninterest income expected to rebound to ~$13.3M in Q3 and Q4 as SBA loan sales normalize.
Provision for credit losses forecasted at $10–11M per quarter in 2H25 and $37–40M for FY 2026.
Liquidity and capital resources are considered sufficient for the next twelve months and beyond.
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Next First Internet Bancorp earnings date
Q3 202523 Oct, 2025
Next First Internet Bancorp earnings date
Q3 202523 Oct, 2025
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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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