BlastPoint's Banking Scorecard

First Internet Bank of Indiana

$1B-$10B Specialty: Commercial IN FDIC cert 34607

Fishers, IN

2 branches across AZ · IN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in IN.
Deposits -8.9% year over year ($4.8B on the books).
Delinquency rate 1.58%.
Return on assets 0.32%.
Efficiency ratio 56.11% vs a 59.73% peer average.
Loan-to-deposit ratio 78.61% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in IN

View $1B-$10B leaderboard (IN) →

First Internet Bank of Indiana has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 3.62% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 2.7% in tier
- Deposit Outflow: Bottom 9.2% in tier
- Return on Assets 1.07% below tier average
- Net Interest Margin 1.34% below tier average
- Non-Interest-Bearing Deposit Share 18.43% below tier average
- Delinquency Rate 0.71% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$5.5B -8.6% YoY -2.8% QoQ	+$2.7B	$2.8B -0.6% YoY	$2.5B +3.7% YoY	$6.3B +7.7% YoY	Top 11.5% in tier
Total Loans ?	$3.8B -14.4% YoY +0.7% QoQ	+$1.8B	$2.0B -0.3% YoY	$1.8B +5.7% YoY	$3.2B +9.4% YoY	Top 12.8% in tier
Total Deposits ?	$4.8B -8.9% YoY -3.1% QoQ	+$2.5B	$2.3B -0.5% YoY	$2.0B +3.4% YoY	$4.9B +7.3% YoY	Top 11.1% in tier
Return on Assets ?	0.32% +133.0% YoY -2.1% QoQ	-1.07%	1.39% +17.0% YoY	1.07% +3.3% YoY	1.30% +12.1% YoY	Bottom 3.8% in tier
Net Interest Margin ?	2.53% +26.4% YoY +1.8% QoQ	-1.34%	3.87% +6.2% YoY	3.70% +8.1% YoY	3.95% +4.9% YoY	Bottom 5.1% in tier
Efficiency Ratio ?	56.11% -8.6% YoY +4.8% QoQ	-3.62%	59.73% -12.6% YoY	77.20% +13.2% YoY	70.05% +2.5% YoY	60%
Delinquency Rate ?	1.58% +61.2% YoY -3.2% QoQ	+0.71%	0.87% +11.7% YoY	0.91% +27.8% YoY	0.98% +16.3% YoY	Bottom 14.1% in tier
Loan-to-Deposit Ratio ?	78.61% -6.0% YoY +3.9% QoQ	-6.42%	85.04% -0.1% YoY	81.91% +1.2% YoY	79.03% +2.3% YoY	71%
Non-Interest-Bearing Deposit Share ?	2.84% -5.1% YoY -10.7% QoQ	-18.43%	21.27% -1.5% YoY	16.57% -2.9% YoY	21.98% -0.6% YoY	Bottom 2.7% in tier
Nonperforming Asset Ratio ?	1.16% +55.2% YoY +3.9% QoQ	+0.49%	0.67% +11.7% YoY	0.69% +42.1% YoY	0.69% +15.8% YoY	17%
Tier 1 Capital Ratio ?	10.84% +2.6% YoY -0.2% QoQ	-4.00%	14.84% -0.4% YoY	16.20% +1.2% YoY	17.09% +0.8% YoY	15%
Non-Interest Income / Assets ?	0.36% +47.9% YoY +79.4% QoQ	-0.17%	0.53% +2.5% YoY	1.78% -1.3% YoY	0.66% +5.2% YoY	65%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Noninterest-Bearing	2.8% -0.2pp YoY -0.3pp QoQ	-18.5pp	21.4%	16.8%	22.2%	2%
Brokered Deposits	5.4% -0.6pp YoY +0.2pp QoQ	-4.1pp	9.5%	7.2%	8.5%	50%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
C&I	28.0% +0.8pp YoY -1.8pp QoQ	+14.0pp	14.0%	11.1%	12.5%	90%
CRE	39.7% -4.6pp YoY +1.9pp QoQ	-10.3pp	50.0%	36.2%	41.4%	24%
1-4 Family	9.5% +1.0pp YoY -0.4pp QoQ	-16.9pp	26.4%	40.0%	31.3%	15%
Consumer	12.0% +2.2pp YoY +0.2pp QoQ	+7.3pp	4.7%	3.2%	5.0%	91%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
CET1 Ratio	10.8% +0.3pp YoY 0.0pp QoQ	-4.8pp	15.6%	17.5%	19.7%	7%
Leverage Ratio	7.6% -0.4pp YoY 0.0pp QoQ	-3.7pp	11.3%	13.0%	12.6%	1%
Total Capital Ratio	12.1% +0.5pp YoY 0.0pp QoQ	-4.6pp	16.7%	18.7%	20.8%	10%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Full-Time Employees	377 +30 (+8.6%) YoY +27 (+7.7%) QoQ	+63	313	237	482	76%
Assets per Employee ($)	$14.7M -15.9% YoY -9.7% QoQ	+$4.2M	$10.5M	$7.5M	$8.8M	88%
Branch Count	2 0 YoY 0 QoQ	-18	20	17	18	5%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Past Due 90+ Days	0.4% +0.3pp YoY +0.2pp QoQ	+0.2pp	0.2%	0.2%	0.4%	92%
Nonaccrual	1.2% +0.3pp YoY -0.2pp QoQ	+0.4pp	0.8%	0.8%	1.0%	79%
Allowance Coverage	0.88x -17.3% YoY -3.6% QoQ	-17.83x	18.71x	6.71x	20.23x	19%
Net Charge-off Rate (YTD)	1.7% +0.6pp YoY +0.1pp QoQ	+1.4pp	0.3%	0.1%	0.2%	97%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
ROE	4.1% +2.4pp YoY -0.1pp QoQ	-8.5pp	12.6%	11.2%	11.6%	6%
Cost of Funds (YTD)	3.2% -0.4pp YoY 0.0pp QoQ	+1.3pp	1.9%	1.8%	1.7%	97%
Net Income ($, YTD)	$8.9M +121.9% YoY — QoQ	-$10.4M	$19.2M	$16.3M	$40.4M	34%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk

#7 of 222 • Bottom 2.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.84%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Deposit Outflow

decline

#13 of 131 • Bottom 9.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

Total Deposits

size

Value: $4.84B

Peer Median: $2.32B

#99 of 885 Top 11.1% in $1B-$10B

103

Total Assets

size

Value: $5.53B

Peer Median: $2.79B

#103 of 885 Top 11.5% in $1B-$10B

114

Total Loans

size

Value: $3.80B

Peer Median: $1.96B

#114 of 885 Top 12.8% in $1B-$10B

Top Weaknesses (6 metrics)

862

Non-Interest-Bearing Deposit Share

funding

Value: 2.84%

Peer Median: 21.27%

#862 of 885 Bottom 2.7% in $1B-$10B

852

Return on Assets

profitability

Value: 0.32%

Peer Median: 1.39%

#852 of 885 Bottom 3.8% in $1B-$10B

841

Net Interest Margin

profitability

Value: 2.53%

Peer Median: 3.87%

#841 of 885 Bottom 5.1% in $1B-$10B

759

Delinquency Rate

credit_quality

Value: 1.58%

Peer Median: 0.87%

#759 of 882 Bottom 14.1% in $1B-$10B

749

Tier 1 Capital Ratio

capital

Value: 10.84%

Peer Median: 14.84%

#749 of 885 Bottom 15.5% in $1B-$10B

733

Nonperforming Asset Ratio

credit_quality

Value: 1.16%

Peer Median: 0.67%

#733 of 885 Bottom 17.3% in $1B-$10B