Current Report · Items 2.02, 9.01 · 8-K

First Internet Bancorp

INBKNASDAQEQUITYCurrent

Results of Operations and Financial Condition

Filed Jan 29, 2026Accepted Jan 29, 2026, 4:09 PM ESTCIK 1562463Accession 0001562463-26-000010

Company context

First Internet Bancorp is a bank holding company with assets of $5.6 billion as of June 30, 2026. The Company’s subsidiary, First Internet Bank, opened for business in 1999 as an industry pioneer in the branchless delivery of banking services. First Internet Bank provides consumer and small business deposits, commercial real estate and construction financing, SBA financing, public finance, consumer loans, and specialty finance services nationally, as well as commercial and industrial loans and treasury management services on a regional basis. First Internet Bancorp’s common stock trades on the Nasdaq Global Select Market under the symbol “INBK” and is a component of the Russell 2000® Index. Additional information about the Company is available at www.firstinternetbancorp.com and additional information about First Internet Bank, including its products and services, is available at www.firstib.com.

Current securities

INBKNASDAQ · EQUITY · Current INBKZNASDAQ · DEBENTURE · Current

Recent company filings

Disclosure sections

Items 2.02, 9.01

Select an item to read the extracted section. The as-filed document remains the primary evidence.

Item 2.02Item 2.02 - Results of Operations

Item 2.02 Results of Operations and Financial Condition On January 29, 2026, First Internet Bancorp (the "Company") issued a press release announcing its financial results for the quarter and year ended December 31, 2025. A copy of the press release is furnished as Exhibit 99.1 to this report and is incorporated by reference herein. On January 29, 2026, at 5:00 p.m. (Eastern Time), the Company will host a conference call and webcast to discuss its financial results for the quarter and year ended December 31, 2025. The electronic presentation slides, which will accompany the call and webcast, are furnished as Exhibit 99.2 and are incorporated by reference herein. The information contained in this Item 2.02, including Exhibit 99.1 and Exhibit 99.2, is being furnished and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”) or otherwise subject to the liabilities of that section, and shall not be deemed to be incorporated by reference into any filing made by us under the Exchange Act or Securities Act of 1933, as amended, regardless of any general incorporation language in any such filing, except as shall be expressly set forth by specific reference in such filing.

Filed exhibits (1)

EX-99.1 (by filename) inbk-4q2025xex991.htm

EX-99.1 2 inbk-4q2025xex991.htm EX-99.1 Document First Internet Bancorp Reports Fourth Quarter and Full Year 2025 Results - Net income of $5.3 million, diluted EPS $0.60 - - Company to hold earnings call today at 5pm ET - Fishers, Indiana, January 29, 2026 - First Internet Bancorp (the “Company”) (Nasdaq: INBK), the parent company of First Internet Bank (the “Bank”), announced today financial and operational results for the fourth quarter and fiscal year ended December 31, 2025. Key Business Updates • Revenue Momentum: Strong growth in net interest income (up 29%) and fully-taxable equivalent (“FTE”) net interest margin (now 2.30%) drove adjusted quarterly revenue up 21% year-over-year to $42.1 million1. When combined with well-managed expenses, adjusted pre-provision net revenue grew 66% year-over-year. • Credit Trends: The provision for credit losses for the fourth quarter of 2025 declined significantly following the large increase to the allowance for credit losses (“ACL”) related to small business lending in the third quarter of 2025 as well as lower net charge-offs. While ongoing proactive and prudent credit-related actions continued to yield notable progress in res…

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