Risk factors

First Internet Bancorp (INBK) risk factors

Item 1A of every First Internet Bancorp 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    32 risks2 new2 dropped2 reworded

    First Internet Bancorp added new risks concerning credit underwriting and government-guaranteed loan valuations while removing risks on local Indiana concentration and reputation.

    Filed Mar 11, 2026
  • FY2024 10-K risk factors
    32 risks

    Commercial lending heavily concentrates in Central Indiana and represents eighty percent of total loans. Operations depend entirely on digital channels and third-party fintech partnerships. Strict regulatory oversight governs capital, liquidity, and compliance across multiple federal agencies.

    Filed Mar 12, 2025