First Internet Bancorp (INBK) risk factors

32 risks, 2 new, 2 dropped, 2 reworded since the prior year. First Internet Bancorp added new risks concerning credit underwriting and government-guaranteed loan valuations while removing risks on local Indiana concentration and reputation.

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.