Liquidity
StrongQoQ -1
80
Sub-score
Liquidity is strong: brokered 7.0%, loans/deposits 85.5%, cash 6.8% of assets.
- Cash / Assets
- 6.77%
- Loans / Deposits
- 85.49%
- Brokered %
- 6.99%
No watch items at this period.
First Internet Bank Of Indiana
IDRSSD: 2758613
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q1
Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
76
/ 100
StableAs of 2025-Q1QoQ -2
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2025-Q1
Bank #2758613 2025-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).
Liquidity:Strong
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Watch
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q4 2024:
↓ -2 ptscomposite
- Liquidity↓ -1
- Securities— —
- Capitalization↓ -2
- Asset Quality↓ -2
- Reserves↓ -7
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 4.7% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 4.75%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ -2
60
Sub-score
Capital position is deteriorating: Tier 1 RBC 10.91%, CET1 10.91%, leverage 8.16%.
- Tier 1 RBC
- 10.91%
- CET1
- 10.91%
- Leverage
- 8.16%
No watch items at this period.
Asset Quality
StrongQoQ -2
87
Sub-score
Asset quality is strong: Adjusted NPL 0.81%, Texas Ratio 6.6%, NCO YTD 0.91%.
- Adjusted NPL
- 0.81%
- Texas Ratio
- 6.6%
- NCO YTD
- 0.91%
- 30-89 PD
- 0.73%
- 90+ PD
- 0.02%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
WatchQoQ -7
54
Sub-score
Reserves are deteriorating: ALLL 1.10% of loans, coverage 137.9%, true coverage 60.2%.
- ALLL / Loans
- 1.10%
- Coverage
- 137.9%
- True Loss Coverage
- 60.2%
No watch items at this period.
Methodology + sources
- Vital Signs Score
- Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See
functions/src/vitalSignsScore.tsfor the complete formula and band anchors. - Period addressing
- Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
- Source data
- FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via
CallReport_Financials+CallReport_FdicData(Visbanking nightly ingest).
Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.
Generated: 2026-05-13 12:03:37 UTC