BlastPoint's Banking Scorecard
First Internet Bank of Indiana
Mid-Market
Specialty: Commercial
IN
FDIC cert 34607
Fishers, IN
201
banks in Mid-Market tier nationally
10 in IN
View Mid-Market leaderboard (IN) →
First Internet Bank of Indiana faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 28% in Mid-Market
- - Return on Assets 1.66% below tier
- - Net Interest Margin 1.21% below tier
- - Efficiency Ratio 18.99% above tier
- - Non-Interest-Bearing Deposit Share 17.31% below tier
- - Non-Interest Income / Assets 0.94% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.5B
-2.9% YoY
-1.2% QoQ
|
-$4.9B |
$10.5B
+2.9% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$3.8B
-9.1% YoY
+3.1% QoQ
|
-$3.3B |
$7.1B
+4.5% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$4.9B
-1.9% YoY
-1.6% QoQ
|
-$3.7B |
$8.5B
+3.0% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
-0.50%
-186.1% YoY
+39.4% QoQ
|
-1.66% |
1.16%
+9.4% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
2.18%
+22.3% YoY
+3.2% QoQ
|
-1.21% |
3.40%
+7.9% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
75.59%
+22.0% YoY
-13.7% QoQ
|
+18.99% |
56.60%
-3.2% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
1.54%
+126.6% YoY
+6.6% QoQ
|
+0.86% |
0.68%
+12.0% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
78.27%
-7.4% YoY
+4.7% QoQ
|
-7.20% |
85.47%
+1.1% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
3.32%
+10.0% YoY
-36.7% QoQ
|
-17.31% |
20.64%
-0.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
1.10%
+119.7% YoY
+12.4% QoQ
|
+0.60% |
0.50%
+7.3% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? |
10.83%
-2.5% YoY
-3.3% QoQ
|
-2.72% |
13.55%
+1.8% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
Bottom 13% in tier |
| Non-Interest Income / Assets ? |
0.02%
-97.9% YoY
+109.2% QoQ
|
-0.94% |
0.96%
+7.1% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Capital Thin
risk
#15 of 51 · Bottom 28% in Mid-Market
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
10.83%
(Tier: 13.55%, National: 9.75%)
51 of 51 Mid-Market banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 3%
in Mid-Market
Why this stands out
Current:
-0.50%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 9%
in Mid-Market
Why this stands out
Current:
2.18%
(Tier avg: 3.40%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 8%
in Mid-Market
Why this stands out
Current:
75.59%
(Tier avg: 56.60%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Mid-Market
Why this stands out
Current:
3.32%
(Tier avg: 20.64%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 1%
in Mid-Market
Why this stands out
Current:
0.02%
(Tier avg: 0.96%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
26
26th pctile
Loan-to-Deposit Ratio
Current: 78.27% · Tier avg: 85.47%
16
16th pctile
Total Deposits
Current: $4.9B · Tier avg: $8.5B
13
13th pctile
Tier 1 Capital Ratio
Current: 10.83% · Tier avg: 13.55%
12
12th pctile
Total Loans
Current: $3.8B · Tier avg: $7.1B
11
11th pctile
Delinquency Rate
Current: 1.54% · Tier avg: 0.68%
11
11th pctile
Total Assets
Current: $5.5B · Tier avg: $10.5B
11
11th pctile
Nonperforming Asset Ratio
Current: 1.10% · Tier avg: 0.50%
9
9th pctile
Net Interest Margin
Current: 2.18% · Tier avg: 3.40%
8
8th pctile
Efficiency Ratio
Current: 75.59% · Tier avg: 56.60%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 3.32% · Tier avg: 20.64%
3
3th pctile
Return on Assets
Current: -0.50% · Tier avg: 1.16%
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.96%
Top Weaknesses
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.96%
3
3th pctile
Return on Assets
Current: -0.50% · Tier avg: 1.16%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 3.32% · Tier avg: 20.64%
8
8th pctile
Efficiency Ratio
Current: 75.59% · Tier avg: 56.60%
9
9th pctile
Net Interest Margin
Current: 2.18% · Tier avg: 3.40%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.10% · Tier avg: 0.50%
11
11th pctile
Total Assets
Current: $5.5B · Tier avg: $10.5B
11
11th pctile
Delinquency Rate
Current: 1.54% · Tier avg: 0.68%
12
12th pctile
Total Loans
Current: $3.8B · Tier avg: $7.1B
13
13th pctile
Tier 1 Capital Ratio
Current: 10.83% · Tier avg: 13.55%
16
16th pctile
Total Deposits
Current: $4.9B · Tier avg: $8.5B
26
26th pctile
Loan-to-Deposit Ratio
Current: 78.27% · Tier avg: 85.47%