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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
First Internet Bancorp
First Internet Bancorp (INBK) investor relations material
First Internet Bancorp Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary29 Oct, 2026
Executive summary
Record Q3 revenue was $43.9M; net income was $4.8M, or $0.54 diluted EPS, and adjusted net income was $5.1M, or $0.57 adjusted diluted EPS.
FTE NIM expanded 8 bps QoQ to 2.55%, and adjusted pre-provision net revenue rose 14% QoQ to $17.1M.
Credit indicators improved QoQ, while franchise finance nonaccruals and reserve actions remained a watchpoint.
Financial highlights
Net interest income was $34.7M, up 7% QoQ and 14% YoY; FTE net interest income was $35.9M.
Revenue was $43.9M, up 7% QoQ; adjusted pre-provision net revenue was $17.1M, up 14% QoQ and down 6% YoY.
Provision for credit losses was $11.6M, down 13% QoQ; Q3 included $1.2M of franchise finance interest reversals.
Loans were $3.9B, up 1% QoQ and 6% YoY; deposits were $5.2B, up 7% QoQ.
Net income was $4.8M versus $2.4M in Q2 and a $41.6M loss in Q3 2025; prior-year results included a $37.8M loan-sale loss.
Outlook and guidance
Q4 diluted EPS guidance is $1.02–$1.07; FTE NIM is expected at 2.75%–2.80% and FTE net interest income at ~$38.5M, assuming a 25-bp December Fed funds increase.
Q4 noninterest income is forecast at ~$7.5M and noninterest expense at ~$26.5M; lower small-business originations and loan-sale gains are expected to be partly offset by fintech revenue growth.
Q4 provision for credit losses is expected at $7.5M–$8.0M.
Average loan balances are expected to grow low-to-mid single digits in Q4; 2027 loan growth was framed at ~10%, with NII expected to grow substantially more.
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Latest events from First Internet Bancorp
- Net income and margins rose sharply, driven by fintech growth, improved credit, and strong capital.INBK
Q2 2026 - All director nominees, executive compensation, and auditor ratification were approved by shareholders.INBKAGM 2026
- Net income jumped 166% year-over-year, with robust fintech-driven revenue and deposit growth.INBKQ1 2026
- Strong digital banking growth, robust fintech deposits, and stable credit quality drive positive outlook.INBKInvestor presentation
- Key votes include director elections, executive pay approval, and auditor ratification.INBKProxy filing
- Strong Q4 results, rising margins, and BaaS growth set up for robust 2026 performance.INBKQ4 2025
- Adjusted revenue up 30%, capital ratios improved, but loan sale led to $41.6M net loss.INBKQ3 2025
- Q3 2024 net income rose 21% to $7.0M, led by record SBA loan sales and strong deposit growth.INBKQ3 2024
- Net income more than tripled year-over-year as lending and margins improved, despite higher charge-offs.INBKQ4 2024
Next First Internet Bancorp earnings date
Q4 202627 Jan, 2027
First Internet Bancorp
Next First Internet Bancorp earnings date
Q4 202627 Jan, 2027
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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.