FDIC Cert #34607 · Fishers, Indiana · Est. 1998

First Internet Bank of Indiana - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$5.5B
Total assets
D
Health grade · Weak
-0.50%
Return on assets
10.8%
Tier 1 capital

Data updated July 2026

The verdict

First Internet Bank of Indiana earns a PlainBankData health grade of D (48/100), with well-capitalized at 10.83% Tier 1, -0.50% ROA, 76% efficiency ratio.

#268
largest of 4,313 FDIC banks by assets
94th
percentile by asset size, nationally
10.83%
Tier 1 ratio - above the 10% well-capitalized line
3rd
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 34607 · IN D · 48/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-REGIONAL · BOOK-FULL

  • GRADE-D D (48/100)
  • BOTTOM-DECILE #4150/4307
  • PHOTO-FINISH Hertford Savings Ban… · NC
  • TIER1-WELL 10.8% Tier 1
  • TEXAS-CLEAN 12.1% Texas
  • ROA-LOSS -0.50% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Indiana: Hertford Savings Bank, SSB, NC (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Internet Bank of Indiana

Lowest and highest poles plus nearest scored peers outside Indiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100East Wisconsin Savin… · WI ·…48/100First Federal Bank o… · MO ·…48/100First Internet Bank… · IN · …48/100Hertford Savings Ban… · NC ·…48/100Interstate Bank · TX · near48/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Internet Bank of Indiana · July 2026

What First Internet Bank of Indiana's Call Report plate shows

First Internet Bank of Indiana (FDIC Cert #34607) carries a PlainBankData health grade of D at 48/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,150 of 4,307. Tier 1 capital prints at 10.83%, clearing the 10% well-capitalized line. The Texas Ratio is 12.14%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.50%. Balance-sheet scale is $5.5B, 268th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Hertford Savings Bank, SSB (NC), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Internet Bank of Indiana

3 FAILURE resolutions in Indiana since 2000 (3 since 2008)

First Internet Bank of Indiana's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; First Internet Bank of Indiana remains an active FDIC-insured reporter.

  • SCB BANK SHELBYVILLE, IN 2012 → FIRST MERCHANTS BANK, NATIONAL ASSOCIATION
  • INTEGRA BANK NATIONAL ASSOCIATION EVANSVILLE, IN 2011 → OLD NATIONAL BANK
  • IRWIN UNION BANK AND TRUST COMPANY COLUMBUS, IN 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Indiana banks.

How First Internet Bank of Indiana's 48/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10048/100
First Internet Bank of Indiana's composite health score
Tier 1 Capital Ratio (10.83%) 28/40
Return on Assets (ROA) (-0.50%) 0/25
Texas Ratio (12.14%) 16/20
Efficiency Ratio (75.59%) 4/15

48 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$5.5B

Total balance-sheet footings

Total Deposits

$4.9B

Customer-funded liabilities

Net Loans

$3.8B

Outstanding loan book

Net Income

$-28,807K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.43% 10.83% 12.23%
Basel III capital ratios - First Internet Bank of Indiana

Where First Internet Bank of Indiana ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Internet Bank of Indiana's score of 48/100 falls in the highlighted band.

First Internet Bank of Indiana: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

48 4th percentile higher than 4% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Internet Bank of Indiana 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First Internet Bank of Indiana's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Internet Bank of Indiana's $5.5B falls in the highlighted band.

Safety ratios for First Internet Bank of Indiana

Tier 1 capital ratio
Well-capitalized 10%

10.83% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.83%
Texas Ratio
12.14%
Equity Capital
$426M

What these ratios mean →

Profitability metrics: First Internet Bank of Indiana

Return on Assets (ROA)
3rd percentile nationally
-0.50%
Return on Equity (ROE)
-6.48%
Efficiency Ratio
75.59%

What these mean →

Income & expense: loss period at First Internet Bank of Indiana

$320M
Interest Income
$934K
Non-Interest Income
$92M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First Internet Bank of Indiana reports a Texas Ratio of 12.14% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

12.14% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at First Internet Bank of Indiana

First Internet Bank of Indiana's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-28,807K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at First Internet Bank of Indiana up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View First Internet Bank of Indiana on FDIC BankFind →

Top banks in Indiana by total assets

Largest banks headquartered in Indiana
  1. 1
    Old National Bank $71.8B

    Evansville, IN · Grade B

  2. 2
    Merchants Bank of Indiana $19.4B

    Carmel, IN · Grade A

  3. 3
    First Merchants Bank $19.0B

    Muncie, IN · Grade A

  4. 4
    Centier Bank $9.7B

    Whiting, IN · Grade A

  5. 5
    1st Source Bank $9.1B

    South Bend, IN · Grade A

Top 5 banks in Indiana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($5.5B here), outside Indiana so the neighborhood is not state containment.

Orrstown Bank $5.5B · PA CTBC Bank Corp. (USA) $5.6B · CA Independent Bank $5.5B · MI The Cape Cod Five Cents Savings Bank $5.6B · MA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Internet Bank of Indiana (FDIC Cert #34607) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First Internet Bank of Indiana Call Report profile · FDIC Failed Bank List · Indiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Indiana

All Indiana banks →
BankAssetsGradeROA
Old National BankEvansville $71.8B B 1.16%
Merchants Bank of IndianaCarmel $19.4B A 1.20%
First Merchants BankMuncie $19.0B A 1.27%
Centier BankWhiting $9.7B A 1.67%
1st Source BankSouth Bend $9.1B A 1.84%
German American BankJasper $8.4B A 1.46%
Lake City BankWarsaw $7.0B A 1.61%
Horizon BankMichigan City $6.4B C -1.96%