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First Internet Bank Of Indiana

IDRSSD: 2758613
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2025-Q4QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #2758613 2025-Q4 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Watch
Asset Quality:Stable
Reserves:Watch

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.69% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -9

The five pillars

Liquidity

StrongQoQ -6
88
Sub-score

Liquidity is strong: brokered 5.7%, loans/deposits 78.3%, cash 8.2% of assets.

Cash / Assets
8.24%
Loans / Deposits
78.27%
Brokered %
5.67%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.52%
No watch items at this period.

Capitalization

WatchQoQ -1
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.83%, CET1 10.83%, leverage 7.49%.

Tier 1 RBC
10.83%
CET1
10.83%
Leverage
7.49%
No watch items at this period.

Asset Quality

StableQoQ -2
73
Sub-score

Asset quality is stable: Adjusted NPL 1.54%, Texas Ratio 12.3%, NCO YTD 1.69%.

Adjusted NPL
1.54%
Govt-guarantees stripped
Texas Ratio
12.3%
NCO YTD
1.69%
30-89 PD
0.92%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.69% of loans.

Reserves

WatchQoQ -9
53
Sub-score

Reserves are deteriorating: ALLL 1.44% of loans, coverage 95.1%, true coverage 54.8%.

ALLL / Loans
1.44%
Coverage
95.1%
True Loss Coverage
54.8%
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.ts for 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