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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.
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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