BlastPoint's Banking Scorecard
First Internet Bank of Indiana
Fishers, IN
2 branches across AZ · IN
First Internet Bank of Indiana has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.55% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 5.4% in tier
- - Return on Assets 1.04% below tier average
- - Net Interest Margin 1.33% below tier average
- - Non-Interest-Bearing Deposit Share 18.11% below tier average
- - Delinquency Rate 0.74% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.7B
-2.5% YoY
+2.4% QoQ
|
+$2.9B |
$2.8B
-0.1% YoY
|
$2.5B
+12.1% YoY
|
$6.2B
+9.1% YoY
|
Top 11.9% in tier |
| Total Loans ? |
$3.8B
-11.0% YoY
-0.7% QoQ
|
+$1.8B |
$2.0B
+0.6% YoY
|
$1.7B
+14.1% YoY
|
$3.2B
+10.8% YoY
|
Top 13.5% in tier |
| Total Deposits ? |
$5.0B
+0.7% YoY
+2.8% QoQ
|
+$2.6B |
$2.3B
-0.3% YoY
|
$2.0B
+11.8% YoY
|
$4.8B
+8.2% YoY
|
Top 11.0% in tier |
| Return on Assets ? |
0.32%
+58.4% YoY
+164.7% QoQ
|
-1.04% |
1.37%
+19.6% YoY
|
0.81%
-6.6% YoY
|
1.23%
+13.4% YoY
|
Bottom 6.2% in tier |
| Net Interest Margin ? |
2.48%
+28.8% YoY
+13.7% QoQ
|
-1.33% |
3.82%
+6.9% YoY
|
3.60%
+8.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 5.5% in tier |
| Efficiency Ratio ? |
53.51%
-12.2% YoY
-29.2% QoQ
|
-7.55% |
61.06%
-4.6% YoY
|
105.71%
+27.0% YoY
|
66.95%
-4.1% YoY
|
68% |
| Delinquency Rate ? |
1.63%
+102.0% YoY
+5.9% QoQ
|
+0.74% |
0.89%
+14.1% YoY
|
0.90%
+15.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 13.5% in tier |
| Loan-to-Deposit Ratio ? |
75.63%
-11.5% YoY
-3.4% QoQ
|
-8.57% |
84.20%
+0.3% YoY
|
81.10%
+0.7% YoY
|
76.70%
+0.9% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
3.18%
-4.2% YoY
-4.4% QoQ
|
-18.11% |
21.29%
-2.5% YoY
|
17.15%
-0.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 2.5% in tier |
| Nonperforming Asset Ratio ? |
1.12%
+82.3% YoY
+1.4% QoQ
|
+0.44% |
0.67%
+15.6% YoY
|
0.67%
+21.6% YoY
|
0.67%
+19.3% YoY
|
17% |
| Tier 1 Capital Ratio ? |
10.86%
-0.5% YoY
+0.3% QoQ
|
-4.30% |
15.16%
+2.0% YoY
|
16.04%
+1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 14.9% in tier |
| Non-Interest Income / Assets ? |
0.20%
+11.0% YoY
|
-0.06% |
0.26%
+1.6% YoY
|
0.79%
-14.5% YoY
|
0.32%
+4.1% YoY
|
72% |
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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 (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.