Logotype for First Internet Bancorp

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.
Logotype for First Internet Bancorp
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 and enhancing capital ratios for future growth.

  • Strong loan pipelines in construction, investor CRE, single-tenant lease financing, and C&I; fintech deposit growth drove robust liquidity.

  • Aggressive credit actions in small business and franchise finance portfolios led to improved asset quality and lowest delinquencies in a year.

  • Strategic investments in AI-driven analytics and technology platforms enhanced credit standards and portfolio management.

Financial highlights

  • Adjusted total revenue of $43.5 million increased 30% from the prior quarter; net interest income rose over 8% sequentially.

  • Net interest margin (fully tax-equivalent) increased 8 bps to 2.12%.

  • 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.

  • SBA gain on sale revenue of $10.6 million, with normalized secondary market sales.

Outlook and guidance

  • Expect Q4 loan balances to increase 4–6% (unannualized), with origination levels consistent with prior quarters.

  • Q4 net interest margin (fully tax-equivalent) 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.

  • 2026 non-interest income forecasted at $41.5–$44.5 million; non-interest expense at $106–$109 million.

  • Management expresses increased conviction in long-term profitable growth, citing a dedicated team, proactive approach, and strong liquidity.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next First Internet Bancorp earnings date

Logotype for First Internet Bancorp
Q4 202522 Jan, 2026
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next First Internet Bancorp earnings date

Logotype for First Internet Bancorp
Q4 202522 Jan, 2026

The essential earnings season companion

The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

Live calls and transcripts

Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.

Find what you need faster

Search for any keyword across all transcripts simultaneously.

Easily store key findings

Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Your watchlist. Your dashboard.

Follow the companies that matter to you. Get a personalized feed with real-time updates.

Be the first to know

Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.

Consensus estimates

Access analyst consensus estimates, valuation multiples, and revenue segments splits.

All IR material in one place

The easiest way to stay updated during earnings season.

Global coverage

All events from public companies. Live and recorded.

Just click and listen

No webcast links. No manual registrations.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

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.

Quartr provides global coverage of all investor relation material from public companies.

  • Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

  • Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.

  • Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.

Yes, the Quartr mobile app is free on both iOS and Android.

Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.

Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.

Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.

Explore our global coverage