Form 8-K

8-K — First Internet Bancorp

Accession: 0001562463-26-000101

Filed: 2026-10-29

Period: 2026-10-29

CIK: 0001562463

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — inbk-20261029.htm (Primary)

EX-99.1 (inbk-3q2026xex991.htm)

EX-99.2 (inbk3q26investorpresenta.htm)

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8-K

8-K (Primary)

Filename: inbk-20261029.htm · Sequence: 1

inbk-20261029

0001562463false00015624632026-10-292026-10-290001562463us-gaap:CommonStockMember2026-10-292026-10-290001562463inbk:A60FixedToFloatingSubordinatedNotesDue2029Member2026-10-292026-10-29

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

FORM 8-K

CURRENT REPORT PURSUANT

TO SECTION 13 OR 15(D) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of report (Date of earliest event reported): October 29, 2026

First Internet Bancorp

(Exact Name of Registrant as Specified in Its Charter)

Indiana

(State or Other Jurisdiction of Incorporation)

001-35750 20-3489991

(Commission File Number) (IRS Employer Identification No.)

8701 E. 116th Street 46038

Fishers, Indiana

(Address of Principal Executive Offices) (Zip Code)

(317) 532-7900

(Registrant's Telephone Number, Including Area Code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐    Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐    Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐    Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐    Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading Symbols Name of each exchange on which registered

Common Stock, without par value INBK The Nasdaq Stock Market LLC

6.0% Fixed to Floating Subordinated Notes due 2029 INBKZ The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

Item 2.02 Results of Operations and Financial Condition

On October 29, 2026, First Internet Bancorp (the “Company”) issued a press release announcing its financial results for the quarter ended September 30, 2026. A copy of the press release is furnished as Exhibit 99.1 to this report and is incorporated by reference herein.

On October 29, 2026 at 5:00 p.m. (Eastern Time), the Company will host a conference call and webcast to discuss its financial results for the quarter ended September 30, 2026. The electronic presentation slides, which will accompany the call and webcast, are furnished as Exhibit 99.2 and are incorporated by reference herein.

The information contained in this Item 2.02, including Exhibits 99.1 and 99.2, is being furnished and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”) or otherwise subject to the liabilities of that section, and shall not be deemed to be incorporated by reference into any filing made by us under the Exchange Act or Securities Act of 1933, as amended, regardless of any general incorporation language in any such filing, except as shall be expressly set forth by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits

(d)    Exhibits

Number Description Method of filing

99.1

Press release dated October 29, 2026

Furnished electronically

99.2

Presentation slides dated October 29, 2026

Furnished electronically

104 Cover Page Interactive Data File (embedded in the cover page formatted in inline XBRL)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dated: October 29, 2026

FIRST INTERNET BANCORP

By: /s/ Kenneth J. Lovik

Kenneth J. Lovik, Executive Vice President & Chief Financial Officer

EX-99.1

EX-99.1

Filename: inbk-3q2026xex991.htm · Sequence: 2

Document

First Internet Bancorp Reports Record Quarterly Revenue and

Continued Net Interest Margin Expansion

- Record quarterly revenue of $43.9 million, up 7% from the prior quarter -

- NIM expands 8 basis points to 2.47%; FTE NIM increases to 2.55%1 -

- Net charge-offs and delinquencies decline significantly from the prior quarter -

- Diluted earnings per share of $0.54; adjusted diluted earnings per share of $0.571 -

- Company to hold earnings call today at 5pm ET -

Fishers, Indiana, October 29, 2026 – First Internet Bancorp (the “Company”) (Nasdaq: INBK), the parent company of First Internet Bank (the “Bank”), announced today financial and operational results for the third quarter ended September 30, 2026.

Key Business Updates

•Record Quarterly Revenue and Continued Margin Expansion: Total revenue rose 7% quarter-over-quarter to $43.9 million, driven by growth in both net interest income (up 7%) and noninterest income (up 6%). Fully-taxable equivalent (“FTE”) net interest margin expanded again in the third quarter to 2.55%1 (up 8 basis points). Additionally, when combined with well-managed expenses, pre-provision net revenue grew 14% quarter-over-quarter to $17.1 million1. Fintech partnerships revenue contributed to the growth in net interest income from embedded finance as well as noninterest income as fintech fee revenue was up 13% from the prior quarter.

•Overall Credit Quality Normalization on Track: Provision for credit losses for the third quarter of $11.6 million, down 13% from $13.4 million in the second quarter of 2026. The decrease was driven by lower net charge-offs, which declined to 0.82% of average loans from 1.77% in the second quarter of 2026, partially offset by specific reserves related to franchise finance loans placed on nonaccrual, including one large relationship the Company took action on late in the quarter ($2.6 million of specific reserves). Furthermore, total delinquencies, excluding nonperforming loans, declined for the second consecutive quarter and are down 38% from the prior quarter, representing 0.48% of total performing loans.

•Loan Portfolio Re-mix Toward Core Lending Areas: In line with the previously stated strategy, the loan portfolio continued to shift toward core verticals with higher new origination yields. As a result, the loan portfolio yield increased 8 basis points (“bps”) from the prior quarter. This reflected strong quarterly growth in investor commercial real estate, single tenant lease financing, wealth advisory lending and embedded finance, while previously exited, lower-yielding portfolios continued to run off. At the same time, the growing fintech deposit base allowed the Company to retire higher-cost CDs and brokered deposits, contributing to the margin expansion.

1 This information represents a non-GAAP financial measure. For a discussion of non-GAAP financial measures, see the section below entitled "Non-GAAP Financial Measures."

“Our third quarter results reflect continued execution of the strategy we have laid out for the last several quarters, with earnings momentum continuing to build,” said David Becker, Chairman and CEO of First Internet Bancorp. “Total revenue hit an all-time high in the quarter, driving positive operating leverage powered by record net interest income, continued net interest margin expansion and solid fee revenue growth. Additionally, credit trends continued to improve with meaningful declines in both net charge-offs and delinquencies. We also took proactive action on a larger franchise finance relationship this quarter; however, our underlying earnings strength allowed us to absorb the related provision impact and still produce strong quarterly growth in net income and earnings per share.

“The bottom line is that First Internet Bancorp is getting stronger every day. Loan pipelines in our scalable core lending areas are robust, and emerging verticals such as embedded finance and wealth advisory lending have exciting long-term growth potential. Our fintech platform continues to expand, driving growth in both fee revenue and lower-cost deposits. We also continue to invest in automation and AI-enabled tools across our lending and servicing operations, improving efficiency while elevating the experience we deliver for our customers and partners. Taken together, these trends create an exciting pathway towards accelerating earnings and stronger profitability. As we move into the fourth quarter and into 2027, we are confident in our ability to build on this momentum and deliver long-term value for our shareholders.”

Third Quarter 2026 Financial Performance

•Net income of $4.8 million and diluted earnings per share of $0.54

•Adjusted net income of $5.1 million1 and adjusted diluted earnings per share of $0.571, both up significantly from the prior quarter and prior year period

•Pre-tax non-recurring severance costs of $0.4 million recognized during the quarter

•Record quarterly revenue of $43.9 million, up 7% from the prior quarter and 1% from adjusted quarterly revenue1 in the prior year period

•Net interest income of $34.7 million and FTE net interest income of $35.9 million1, both increased 7% over the prior quarter and 14% over the prior year period

•Achieved strong quarterly growth despite recognizing $1.2 million in interest reversals related to franchise finance loans placed on nonaccrual during the quarter ($0.6 million related to the large relationship discussed above)

•Net interest margin of 2.47% and FTE net interest margin of 2.55%1, both increasing 8 bps from the prior quarter and 43 bps from the prior year period

•Interest reversals discussed above impacted net interest margin by 9 bps

•Noninterest income of $9.2 million, up 6% from the prior quarter and down 30% from adjusted noninterest income1 in the prior year period

•Adjusted pre-provision net revenue (“PPNR”) of $17.1 million1, up 14% from the prior quarter and down 6% from the prior year period

•Total loan balances of $3.9 billion, up $52.9 million, or 1%, from the second quarter of 2026

•The yield on the loan portfolio increased to 6.42%, up 8 bps from the prior quarter and 24 bps from the prior year period

•Strong loan production in core verticals partially offset by early payoffs and runoff in exited portfolios

•Total deposits of $5.2 billion, up $321.4 million, or 7%, from the second quarter of 2026

1 This information represents a non-GAAP financial measure. For a discussion of non-GAAP financial measures, see the section below entitled "Non-GAAP Financial Measures."

•Continued growth in fintech deposits, providing capacity to replace higher-cost CDs and brokered deposits

•The cost of interest-bearing deposits declined to 3.32%, down 6 bps from the prior quarter and 55 bps from the prior year period

•Approximately $2.9 billion of fintech deposits held off-balance sheet in a deposit network, providing flexibility to manage the size of the balance sheet

•Loans to deposits ratio of 75%

•Provision for credit losses of $11.6 million, down $1.8 million, or 13%, from the second quarter of 2026

•Net charge-offs to average loans of 0.82%, a decrease from 1.77% in the second quarter of 2026

•Decrease in net charge-offs due to declines in franchise finance and small business lending net charge-offs

•Nonperforming loans (“NPLs”) to total loans of 1.63%, compared to 1.58% in the second quarter of 2026; allowance for credit losses - loans (“ACL”) to total loans of 1.48%, compared to 1.39% in the second quarter of 2026

•Increase in NPLs due primarily to franchise finance loans moved to nonaccrual

•NPLs / total loans of 1.14%1 excluding fully-guaranteed balances, up from 1.07% in the second quarter of 2026

•ACL to NPLs of 91%; or 131%1 excluding fully-guaranteed balances

•Tangible common equity to tangible assets of 5.94%1, and 6.96%1 ex-AOCI and adjusted for normalized cash balances; CET1 ratio of 8.86%2; total capital ratio of 12.32%2

•Tangible book value per common share of $40.041, down from $41.091 in the second quarter of 2026

Fourth Quarter 2026 Outlook

•Diluted earnings per share of $1.02 to $1.07

•FTE net interest margin of 2.75% to 2.80%, driven by ongoing loan portfolio optimization and stable deposit costs (assumes additional 25 bp increase in Fed Funds rate in December)

•FTE net interest income of around $38.5 million

•Noninterest income of around $7.5 million, reflecting lower small business lending originations and gain on sale activity, partially offset by continued growth in fintech revenue

•Noninterest expense of around $26.5 million

•Provision for credit losses of $7.5 million to $8.0 million

1 This information represents a non-GAAP financial measure. For a discussion of non-GAAP financial measures, see the section below entitled "Non-GAAP Financial Measures."

2 Regulatory capital ratios are preliminary pending filing of the Company’s regulatory reports

Conference Call and Webcast

The Company will host a conference call and webcast at 5:00 p.m. Eastern Time today, October 29, 2026, to discuss its quarterly financial results. The call can be accessed via telephone at (833) 461-5787; meeting id: 571140239. To access the webcast and view the presentation slides, please visit www.firstinternetbancorp.com and click the link provided for Earnings Call Webcast.

The webcast and slides will be available on the Company’s website shortly after the call has ended and will be archived on the Company’s website for 12 months.

About First Internet Bancorp

First Internet Bancorp is a bank holding company with assets of $5.9 billion as of September 30, 2026. The Company’s subsidiary, First Internet Bank, opened for business in 1999 as an industry pioneer in the branchless delivery of banking services. First Internet Bank provides consumer and small business deposits, commercial real estate and construction financing, SBA financing, public finance, consumer loans, and specialty finance services nationally, as well as commercial and industrial loans and treasury management services on a regional basis. First Internet Bancorp’s common stock trades on the Nasdaq Global Select Market under the symbol “INBK” and is a component of the Russell 2000® Index. Additional information about the Company is available at www.firstinternetbancorp.com and additional information about First Internet Bank, including its products and services, is available at www.firstib.com.

Forward-Looking Statements

This press release contains forward-looking statements within the meaning of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995, including statements with respect to the financial condition, results of operations, trends in lending policies and loan programs, plans and prospective business partnerships, objectives, future performance and business of the Company. Forward-looking statements are generally identifiable by the use of words such as “anticipate,” “believe,” “better than,” “continue,” “could,” “drive,” “enhance,” “estimate,” “expand,” “expect,” “future,” “going forward,” “growth,” ”improve,” “increase,” “looking ahead,” “maintain,” “may,” “ongoing,” “opportunities,” “pending,” “plan,” “position,” “preliminary,” “progress,” “remain,” “setting the stage,” “should,” “stable,” “thereafter,” “well-positioned,” “will,” or other similar expressions. Forward-looking statements are not a guarantee of future performance or results, are based on information available at the time the statements are made and involve known and unknown risks, uncertainties and other factors that could cause actual results to differ materially from the information in the forward-looking statements. Such statements are subject to certain risks and uncertainties including: our business and operations and the business and operations of our vendors and customers; general economic conditions, whether national or regional, and conditions in the lending markets in which we participate that may have an adverse effect on the demand for our loans and other products; our credit quality and related levels of nonperforming assets and loan losses, and the value and salability of the real estate that is the collateral for our loans. Other factors that may cause such differences include: failures or breaches of or interruptions in the communications and information systems on which we rely to conduct our business; failure of our plans to grow our commercial and industrial, construction, and SBA loan portfolios; competition with national, regional and community financial institutions; the loss of key members of senior management; the anticipated impacts of inflation and rising interest rates on the general economy; risks relating to the regulation of financial institutions; and other factors identified in reports we file with the U.S. Securities and Exchange Commission. All statements in this press release, including forward-looking statements, speak only as of the date they are

made, and the Company undertakes no obligation to update any statement in light of new information or future events.

Non-GAAP Financial Measures

This press release contains financial information determined by methods other than in accordance with U.S. generally accepted accounting principles (“GAAP”). Non-GAAP financial measures, specifically tangible common equity, tangible assets, tangible book value per common share, tangible common equity to tangible assets, average tangible common equity, return on average tangible common equity, total interest income – FTE, net interest income – FTE, net interest margin – FTE, adjusted total revenue, pre-provision net revenue, adjusted pre-provision net revenue, adjusted noninterest income, adjusted noninterest expense, adjusted income before income taxes, adjusted income tax provision, adjusted net income, adjusted diluted earnings per share, adjusted return on average assets, adjusted return on average shareholders’ equity, adjusted return on average tangible common equity, adjusted tangible common equity, adjusted tangible assets, adjusted tangible common equity to adjusted tangible assets, adjusted nonperforming loans to total loans and adjusted allowance for credit losses – loans to nonperforming loans are used by the Company’s management to measure the strength of its capital and analyze profitability, including its ability to generate earnings on tangible capital invested by its shareholders. Although management believes these non-GAAP measures are useful to investors by providing a greater understanding of its business, they should not be considered a substitute for financial measures determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies. Reconciliations of these non-GAAP financial measures to the most directly comparable GAAP financial measures are included in the table at the end of this release under the caption “Reconciliation of Non-GAAP Financial Measures.”

Contact Information:

Investors/Analysts

Paula Deemer

Director of Corporate Administration

(317) 428-4628

investors@firstib.com

Media

PANBlast

Zach Weismiller

firstib@panblastpr.com

First Internet Bancorp

Summary Financial Information (unaudited)

Dollar amounts in thousands, except per share data

Three Months Ended Nine Months Ended

September 30,

2026 June 30,

2026 September 30,

2025 September 30,

2026 September 30,

2025

Net income (loss) $ 4,819  $ 2,367  $ (41,593) $ 9,695  $ (40,457)

Per share and share information

Earnings (loss) per share - basic $ 0.55  $ 0.27  $ (4.76) $ 1.11  $ (4.63)

Earnings (loss) per share - diluted 0.54  0.27  (4.76) 1.10  (4.63)

Dividends declared per share 0.06  0.06  0.06  0.18  0.18

Book value per common share 40.58  41.63  40.42  40.58  40.42

Tangible book value per common share 1

40.04  41.09  39.88  40.04  39.88

Common shares outstanding 8,733,574  8,733,574  8,713,094  8,733,574  8,713,094

Average common shares outstanding:

Basic 8,762,827  8,754,008  8,742,052  8,750,511  8,730,519

Diluted 8,865,954  8,822,099  8,742,052  8,821,890  8,730,519

Performance ratios

Return on average assets 0.33 % 0.17  % (2.71 %) 0.23 % (0.91 %)

Return on average shareholders' equity 5.19 % 2.56  % (42.11 %) 3.50 % (13.80 %)

Return on average tangible common equity 1

5.26 % 2.60  % (42.62 %) 3.54 % (13.97 %)

Net interest margin 2.47  % 2.39  % 2.04  % 2.41  % 1.94  %

Net interest margin - FTE 1,2

2.55  % 2.47  % 2.12  % 2.49  % 2.02  %

Capital ratios 3

Total shareholders' equity to assets 6.02  % 6.54  % 6.25  % 6.02  % 6.25  %

Tangible common equity to tangible assets 1

5.94  % 6.46  % 6.17  % 5.94  % 6.17  %

Tier 1 leverage ratio 6.15  % 6.23  % 5.69  % 6.15  % 5.69  %

Common equity tier 1 capital ratio 8.86  % 8.90  % 9.24  % 8.86  % 9.24  %

Tier 1 capital ratio 8.86  % 8.90  % 9.24  % 8.86  % 9.24  %

Total risk-based capital ratio 12.32  % 12.22  % 13.11  % 12.32  % 13.11  %

Asset quality

Nonperforming loans $ 63,056  $ 60,073  $ 53,250  $ 63,056  $ 53,250

Nonperforming assets 67,464  64,573  55,237  67,464  55,237

Nonperforming loans to loans 1.63  % 1.58  % 1.47  % 1.63  % 1.47  %

Nonperforming assets to total assets 1.15  % 1.16  % 0.98  % 1.15  % 0.98  %

Allowance for credit losses - loans to:

Loans 1.48  % 1.39  % 1.65  % 1.48  % 1.65  %

Nonperforming loans 91.0  % 88.4  % 112.5  % 91.0  % 112.5  %

Net charge-offs to average loans 0.82  % 1.77  % 1.89  % 1.41  % 1.38  %

Average balance sheet information

Loans $ 3,873,251  $ 3,836,149  $ 4,415,693  $ 3,861,188  $ 4,350,947

Total securities 1,088,563  1,048,742  898,543  1,053,633  911,805

Other earning assets 619,347  561,255  569,811  567,791  471,096

Total interest-earning assets 5,582,792  5,448,429  5,895,554  5,485,886  5,742,686

Total assets 5,796,473  5,656,350  6,081,792  5,696,745  5,926,580

Noninterest-bearing deposits 146,911  134,166  174,494  141,474  154,604

Interest-bearing deposits 4,903,029  4,783,803  5,133,010  4,810,923  4,915,137

Total deposits 5,049,940  4,917,969  5,307,504  4,952,397  5,069,741

Shareholders' equity 368,091  370,247  391,886  370,849  391,930

1 Refer to "Non-GAAP Financial Measures" section above and "Reconciliation of Non-GAAP Financial Measures" below

2 On a fully-taxable equivalent (“FTE”) basis assuming a 21% tax rate

3 Regulatory capital ratios are preliminary pending filing of the Company's regulatory reports

First Internet Bancorp

Condensed Consolidated Balance Sheets (unaudited)

Dollar amounts in thousands

September 30,

2026 June 30,

2026 September 30,

2025

Assets

Cash and due from banks $ 5,977  $ 8,692  $ 10,923

Interest-bearing deposits 646,297  402,276  776,738

Securities available-for-sale, at fair value 843,108  786,676  625,906

Securities held-to-maturity, at amortized cost, net of allowance for credit losses 255,934  264,662  261,725

Loans held-for-sale 34,855  44,816  114,701

Loans 3,863,984  3,811,073  3,630,385

Allowance for credit losses - loans (57,361) (53,096) (59,923)

Net loans 3,806,623  3,757,977  3,570,462

Accrued interest receivable 28,565  29,136  26,674

Federal Home Loan Bank of Indianapolis stock 28,350  28,350  28,350

Cash surrender value of bank-owned life insurance 43,492  43,175  42,256

Premises and equipment, net 64,538  65,720  68,843

Goodwill 4,687  4,687  4,687

Servicing asset 23,620  23,180  22,107

Other real estate owned 4,141  4,121  1,801

Accrued income and other assets 97,816  92,907  84,001

Total assets $ 5,888,003  $ 5,556,375  $ 5,639,174

Liabilities

Noninterest-bearing deposits $ 159,051  $ 131,366  $ 243,539

Interest-bearing deposits 4,993,715  4,700,012  4,671,895

Total deposits 5,152,766  4,831,378  4,915,434

Advances from Federal Home Loan Bank 239,500  239,500  249,500

Subordinated debt 123,506  105,626  105,386

Accrued interest payable 1,298  1,594  1,236

Accrued expenses and other liabilities 16,525  14,730  15,450

Total liabilities 5,533,595  5,192,828  5,287,006

Shareholders' equity

Voting common stock 188,065  187,545  186,608

Retained earnings 201,399  197,119  188,564

Accumulated other comprehensive loss (35,056) (21,117) (23,004)

Total shareholders' equity 354,408  363,547  352,168

Total liabilities and shareholders' equity $ 5,888,003  $ 5,556,375  $ 5,639,174

First Internet Bancorp

Condensed Consolidated Statements of Income (unaudited)

Dollar amounts in thousands, except per share data

Three Months Ended Nine Months Ended

September 30,

2026 June 30,

2026 September 30,

2025 September 30,

2026 September 30,

2025

Interest income

Loans $ 62,656  $ 60,693  $ 68,958  $ 184,188  $ 198,305

Securities - taxable 10,772  9,948  8,614  30,216  26,139

Securities - non-taxable 621  629  652  1,904  1,967

Other earning assets 5,982  5,366  6,164  16,169  15,692

Total interest income 80,031  76,636  84,388  232,477  242,103

Interest expense

Deposits 41,080  40,320  50,134  121,759  144,554

Other borrowed funds 4,209  3,877  3,902  11,939  14,111

Total interest expense 45,289  44,197  54,036  133,698  158,665

Net interest income 34,742  32,439  30,352  98,779  83,438

Provision for credit losses 11,629  13,415  34,789  41,349  60,330

Net interest income (loss) after provision for credit losses 23,113  19,024  (4,437) 57,430  23,108

Noninterest income (loss)

Service charges and fees 1,391  1,112  369  3,347  912

Loan servicing revenue 2,824  2,853  2,055  8,533  6,017

Loan servicing asset revaluation (961) (1,579) (1,332) (3,600) (3,666)

Gain (loss) on sale of loans 4,792  4,690  (27,103) 16,859  (16,783)

Other 1,153  1,609  1,364  4,263  4,857

Total noninterest income (loss) 9,199  8,685  (24,647) 29,402  (8,663)

Noninterest expense

Salaries and employee benefits 14,761  13,570  14,384  41,567  38,358

Marketing, advertising and promotion 733  706  482  2,054  1,831

Consulting and professional fees 960  1,372  979  3,412  3,143

Data processing 713  774  651  2,262  1,942

Loan expenses 2,392  2,109  1,850  6,680  4,901

Premises and equipment 3,654  3,718  3,572  11,048  9,968

Deposit insurance premium 1,660  1,611  1,584  4,758  4,546

Other 2,384  2,262  1,957  6,625  6,127

Total noninterest expense 27,257  26,122  25,459  78,406  70,816

Income (loss) before income taxes 5,055  1,587  (54,543) 8,426  (56,371)

Income tax provision (benefit) 236  (780) (12,950) (1,269) (15,914)

Net income (loss) $ 4,819  $ 2,367  $ (41,593) $ 9,695  $ (40,457)

Per common share data

Earnings (loss) per share - basic $ 0.55  $ 0.27  $ (4.76) $ 1.11  $ (4.63)

Earnings (loss) per share - diluted $ 0.54  $ 0.27  $ (4.76) $ 1.10  $ (4.63)

Dividends declared per share $ 0.06  $ 0.06  $ 0.06  $ 0.18  $ 0.18

First Internet Bancorp

Average Balances and Rates (unaudited)

Dollar amounts in thousands

Three Months Ended

September 30, 2026 June 30, 2026 September 30, 2025

Average Balance Interest / Dividends Yield / Cost Average Balance Interest / Dividends Yield / Cost Average Balance Interest / Dividends Yield / Cost

Assets

Interest-earning assets

Loans, including loans held-for-sale 1

$ 3,874,882  $ 62,656  6.42  % $ 3,838,432  $ 60,693  6.34  % $ 4,427,200  $ 68,958  6.18  %

Securities - taxable 1,017,130  10,772  4.20  % 974,877  9,948  4.09  % 819,941  8,614  4.17  %

Securities - non-taxable 71,433  621  3.45  % 73,865  629  3.42  % 78,602  652  3.29  %

Other earning assets 619,347  5,982  3.83  % 561,255  5,366  3.83  % 569,811  6,164  4.29  %

Total interest-earning assets 5,582,792  80,031  5.69  % 5,448,429  76,636  5.64  % 5,895,554  84,388  5.68  %

Allowance for credit losses - loans (55,609) (57,343) (49,495)

Noninterest-earning assets 269,290  265,264  235,733

Total assets $ 5,796,473  $ 5,656,350  $ 6,081,792

Liabilities

Interest-bearing liabilities

Interest-bearing demand deposits $ 1,437,634  $ 9,861  2.72  % $ 1,356,003  $ 8,905  2.63  % $ 1,399,323  $ 11,742  3.33  %

Savings accounts 18,153  38  0.83  % 18,765  39  0.83  % 20,035  42  0.83  %

Money market accounts 1,239,822  9,859  3.15  % 1,304,538  10,334  3.18  % 1,250,350  11,771  3.73  %

Fintech - brokered deposits 428,992  3,647  3.37  % 57,492  487  3.40  % —  —  —  %

Certificates and brokered deposits 1,778,428  17,675  3.94  % 2,047,005  20,555  4.03  % 2,463,302  26,579  4.28  %

Total interest-bearing deposits 4,903,029  41,080  3.32  % 4,783,803  40,320  3.38  % 5,133,010  50,134  3.87  %

Other borrowed funds 353,978  4,209  4.72  % 348,383  3,877  4.46  % 365,119  3,902  4.24  %

Total interest-bearing liabilities 5,257,007  45,289  3.42  % 5,132,186  44,197  3.45  % 5,498,129  54,036  3.90  %

Noninterest-bearing deposits 146,911  134,166  174,494

Other noninterest-bearing liabilities 24,464  19,751  17,283

Total liabilities 5,428,382  5,286,103  5,689,906

Shareholders' equity 368,091  370,247  391,886

Total liabilities and shareholders' equity $ 5,796,473  $ 5,656,350  $ 6,081,792

Net interest income $ 34,742  $ 32,439  $ 30,352

Interest rate spread 2.27  % 2.19  % 1.78  %

Net interest margin 2.47  % 2.39  % 2.04  %

Net interest margin - FTE 2,3

2.55  % 2.47  % 2.12  %

1 Includes nonaccrual loans

2 On a fully-taxable equivalent (“FTE”) basis assuming a 21% tax rate

3 Refer to "Non-GAAP Financial Measures" section above and "Reconciliation of Non-GAAP Financial Measures" below

First Internet Bancorp

Average Balances and Rates (unaudited)

Dollar amounts in thousands

Nine Months Ended

September 30, 2026 September 30, 2025

Average Balance Interest / Dividends Yield / Cost Average Balance Interest / Dividends Yield / Cost

Assets

Interest-earning assets

Loans, including loans held-for-sale 1

$ 3,864,462  $ 184,188  6.37  % $ 4,359,785  $ 198,305  6.08  %

Securities - taxable 978,633  30,216  4.13  % 832,060  26,139  4.20  %

Securities - non-taxable 75,000  1,904  3.39  % 79,745  1,967  3.30  %

Other earning assets 567,791  16,169  3.81  % 471,096  15,692  4.45  %

Total interest-earning assets 5,485,886  232,477  5.67  % 5,742,686  242,103  5.64  %

Allowance for credit losses - loans (56,350) (48,091)

Noninterest-earning assets 267,209  231,985

Total assets $ 5,696,745  $ 5,926,580

Liabilities

Interest-bearing liabilities

Interest-bearing demand deposits $ 1,346,440  $ 26,933  2.67  % $ 1,195,651  $ 28,483  3.19  %

Savings accounts 18,815  118  0.84  % 20,786  131  0.84  %

Money market accounts 1,278,637  30,297  3.17  % 1,220,080  34,220  3.75  %

Fintech - brokered deposits 163,733  4,134  3.38  % —  —  —  %

Certificates and brokered deposits 2,003,298  60,277  4.02  % 2,478,620  81,720  4.41  %

Total interest-bearing deposits 4,810,923  121,759  3.38  % 4,915,137  144,554  3.93  %

Other borrowed funds 351,499  11,939  4.54  % 444,532  14,111  4.24  %

Total interest-bearing liabilities 5,162,422  133,698  3.46  % 5,359,669  158,665  3.96  %

Noninterest-bearing deposits 141,474  154,604

Other noninterest-bearing liabilities 22,000  20,377

Total liabilities 5,325,896  5,534,650

Shareholders' equity 370,849  391,930

Total liabilities and shareholders' equity $ 5,696,745  $ 5,926,580

Net interest income $ 98,779  $ 83,438

Interest rate spread 2.21  % 1.68  %

Net interest margin 2.41  % 1.94  %

Net interest margin - FTE 2,3

2.49  % 2.02  %

1 Includes nonaccrual loans

2 On a fully-taxable equivalent (“FTE”) basis assuming a 21% tax rate

3 Refer to "Non-GAAP Financial Measures" section above and "Reconciliation of Non-GAAP Financial Measures" below

First Internet Bancorp

Loans and Deposits (unaudited)

Dollar amounts in thousands

September 30, 2026 June 30, 2026 September 30, 2025

Amount Percent Amount Percent Amount Percent

Commercial loans

Commercial and industrial $ 237,667  6.2  % $ 212,675  5.6  % $ 206,301  5.7  %

Owner-occupied commercial real estate 50,082  1.3  % 51,749  1.4  % 50,046  1.4  %

Investor commercial real estate 753,690  19.4  % 669,970  17.5  % 644,184  17.7  %

Construction 400,302  10.4  % 427,076  11.2  % 300,291  8.3  %

Single tenant lease financing 308,594  8.0  % 288,720  7.6  % 135,025  3.8  %

Public finance 430,381  11.1  % 445,507  11.7  % 480,119  13.2  %

Healthcare finance 112,406  2.9  % 121,287  3.2  % 150,522  4.1  %

Small business lending 439,335  11.4  % 435,686  11.4  % 401,628  11.1  %

Franchise finance 330,626  8.6  % 357,182  9.4  % 450,340  12.4  %

Total commercial loans 3,063,083  79.3  % 3,009,852  79.0  % 2,818,456  77.7  %

Consumer loans

Residential mortgage 319,972  8.3  % 326,258  8.6  % 349,275  9.6  %

Home equity 16,186  0.4  % 14,102  0.4  % 15,806  0.4  %

Trailers 256,533  6.6  % 252,325  6.6  % 232,006  6.4  %

Recreational vehicles 145,090  3.8  % 143,547  3.8  % 142,245  3.9  %

Other consumer loans 44,684  1.2  % 45,916  1.2  % 48,753  1.3  %

Total consumer loans 782,465  20.3  % 782,148  20.6  % 788,085  21.6  %

Net deferred loan fees, premiums, discounts and other 1

18,436  0.4  % 19,073  0.4  % 23,844  0.7  %

Total loans $ 3,863,984  100.0  % $ 3,811,073  100.0  % $ 3,630,385  100.0  %

September 30, 2026 June 30, 2026 September 30, 2025

Amount Percent Amount Percent Amount Percent

Deposits

Noninterest-bearing deposits $ 159,051  3.2  % $ 131,366  2.7  % $ 243,539  5.0  %

Interest-bearing demand deposits 1,713,795  33.3  % 1,493,178  30.9  % 1,003,950  20.4  %

Savings accounts 17,564  0.3  % 18,738  0.4  % 18,694  0.4  %

Money market accounts 1,232,524  23.9  % 1,245,591  25.8  % 1,250,202  25.4  %

Fintech - brokered deposits 341,610  6.6  % 23,344  0.5  % —  —  %

Certificates of deposits 1,479,994  28.7  % 1,683,450  34.8  % 2,115,613  43.0  %

Brokered deposits 208,228  4.0  % 235,711  4.9  % 283,436  5.8  %

Total deposits $ 5,152,766  100.0  % $ 4,831,378  100.0  % $ 4,915,434  100.0  %

1 Includes carrying value adjustments of $16.4 million, $17.3 million and $20.2 million related to terminated interest rate swaps associated with public finance loans as of September 30, 2026, June 30, 2026 and September 30, 2025, respectively.

First Internet Bancorp

Reconciliation of Non-GAAP Financial Measures

Dollar amounts in thousands, except per share data

Three Months Ended Nine Months Ended

September 30,

2026 June 30,

2026 September 30,

2025 September 30,

2026 September 30,

2025

Total equity - GAAP $ 354,408  $ 363,547  $ 352,168  $ 354,408  $ 352,168

Adjustments:

Goodwill (4,687) (4,687) (4,687) (4,687) (4,687)

Tangible common equity $ 349,721  $ 358,860  $ 347,481  $ 349,721  $ 347,481

Total assets - GAAP $ 5,888,003  $ 5,556,375  $ 5,639,174  $ 5,888,003  $ 5,639,174

Adjustments:

Goodwill (4,687) (4,687) (4,687) (4,687) (4,687)

Tangible assets $ 5,883,316  $ 5,551,688  $ 5,634,487  $ 5,883,316  $ 5,634,487

Common shares outstanding 8,733,574  8,733,574  8,713,094  8,733,574  8,713,094

Book value per common share $ 40.58  $ 41.63  $ 40.42  $ 40.58  $ 40.42

Effect of goodwill (0.54) (0.54) (0.54) (0.54) (0.54)

Tangible book value per common share $ 40.04  $ 41.09  $ 39.88  $ 40.04  $ 39.88

Total shareholders' equity to assets 6.02  % 6.54  % 6.25  % 6.02  % 6.25  %

Effect of goodwill (0.08 %) (0.08 %) (0.08 %) (0.08 %) (0.08 %)

Tangible common equity to tangible assets 5.94  % 6.46  % 6.17  % 5.94  % 6.17  %

Total average equity - GAAP $ 368,091  $ 370,247  $ 391,886  $ 370,849  $ 391,930

Adjustments:

Average goodwill (4,687) (4,687) (4,687) (4,687) (4,687)

Average tangible common equity $ 363,404  $ 365,560  $ 387,199  $ 366,162  $ 387,243

Return on average shareholders' equity 5.19 % 2.56 % (42.11 %) 3.50 % (13.80 %)

Effect of goodwill 0.07 % 0.04 % (0.51 %) 0.04 % (0.17 %)

Return on average tangible common equity 5.26 % 2.60  % (42.62 %) 3.54 % (13.97 %)

Total interest income $ 80,031  $ 76,636  $ 84,388  $ 232,477  $ 242,103

Adjustments:

Fully-taxable equivalent adjustments 1

1,116  1,142  1,158  3,418  3,484

Total interest income - FTE $ 81,147  $ 77,778  $ 85,546  $ 235,895  $ 245,587

Net interest income $ 34,742  $ 32,439  $ 30,352  $ 98,779  $ 83,438

Adjustments:

Fully-taxable equivalent adjustments 1

1,116  1,142  1,158  3,418  3,484

Net interest income - FTE $ 35,858  $ 33,581  $ 31,510  $ 102,197  $ 86,922

Net interest margin 2.47  % 2.39  % 2.04  % 2.41  % 1.94  %

Effect of fully-taxable equivalent adjustments 1

0.08  % 0.08  % 0.08  % 0.08  % 0.08  %

Net interest margin - FTE 2.55  % 2.47  % 2.12  % 2.49  % 2.02  %

1Assuming a 21% tax rate

First Internet Bancorp

Reconciliation of Non-GAAP Financial Measures

Dollar amounts in thousands, except per share data

Three Months Ended Nine Months Ended

September 30,

2026 June 30,

2026 September 30,

2025 September 30,

2026 September 30,

2025

Total revenue - GAAP $ 43,941  $ 41,124  $ 5,705  $ 128,181  $ 74,775

Adjustments:

Loss on sale of loans —  —  37,823  —  37,823

Adjusted total revenue $ 43,941  $ 41,124  $ 43,528  $ 128,181  $ 112,598

Net income (loss) - GAAP $ 4,819  $ 2,367  $ (41,593) $ 9,695  $ (40,457)

Adjustments:1

Provision for credit losses 11,629  13,415  34,789  41,349  60,330

Income tax (benefit) provision 236  (780) (12,950) (1,269) (15,914)

Pre-provision net revenue (loss) $ 16,684  $ 15,002  $ (19,754) $ 49,775  $ 3,959

Pre-tax, pre-provision income (loss) $ 16,684  $ 15,002  $ (19,754) $ 49,775  $ 3,959

Adjustments:1

Loss on sale of loans —  —  37,823  —  37,823

Employee severance expense 371  —  —  371  —

Adjusted pre-provision net revenue $ 17,055  $ 15,002  $ 18,069  $ 50,146  $ 41,782

Noninterest (loss) income - GAAP $ 9,199  $ 8,685  $ (24,647) $ 29,402  $ (8,663)

Adjustments:

Loss on sale of loans —  —  37,823  —  37,823

Adjusted noninterest income $ 9,199  $ 8,685  $ 13,176  $ 29,402  $ 29,160

Noninterest expense - GAAP $ 27,257  $ 26,122  $ 25,459  $ 78,406  $ 70,816

Adjustments:

Employee severance expense (371) —  —  (371) —

Adjusted noninterest expense $ 26,886  $ 26,122  $ 25,459  $ 78,035  $ 70,816

Income (loss) before income taxes - GAAP $ 5,055  $ 1,587  $ (54,543) $ 8,426  $ (56,371)

Adjustments:

Loss on sale of loans —  —  37,823  —  37,823

Employee severance expense 371  —  —  371  —

Adjusted income (loss) before income taxes $ 5,426  $ 1,587  $ (16,720) $ 8,797  $ (18,548)

Income tax provision (benefit) - GAAP $ 236  $ (780) $ (12,950) $ (1,269) $ (15,914)

Adjustments:1

Loss on sale of loans —  —  8,699  —  8,699

Employee severance expense 78  —  —  78  —

Adjusted income tax provision (benefit) $ 314  $ (780) $ (4,251) $ (1,191) $ (7,215)

Net income (loss) - GAAP $ 4,819  $ 2,367  $ (41,593) $ 9,695  $ (40,457)

Adjustments:1

Loss on sale of loans —  —  29,124  —  29,124

Employee severance expense 293  —  —  293  —

Adjusted net income (loss) $ 5,112  $ 2,367  $ (12,469) $ 9,988  $ (11,333)

Diluted average common shares outstanding 8,865,954  8,822,099  8,742,052  8,821,890  8,730,519

Diluted earnings (loss) per share - GAAP $ 0.54  $ 0.27  $ (4.76) $ 1.10  $ (4.63)

Adjustments:

Effect of loss on sale of loans —  —  3.33  —  3.34

Effect of Employee severance expense 0.03  —  —  0.03  —

Adjusted diluted earnings (loss) per share $ 0.57  $ 0.27  $ (1.43) $ 1.13  $ (1.29)

1Assuming a 21% tax rate

First Internet Bancorp

Reconciliation of Non-GAAP Financial Measures

Dollar amounts in thousands, except per share data

Three Months Ended Nine Months Ended

September 30,

2026 June 30,

2026 September 30,

2025 September 30,

2026 September 30,

2025

Return on average assets 0.33 % 0.17  % (2.71 %) 0.23 % (0.91 %)

Effect of loss on sale of loans 0.00  % 0.00  % 1.90  % 0.00  % 0.66  %

Effect of Employee severance expense 0.02  % 0.00  % 0.00  % 0.01  % 0.00  %

Adjusted return on average assets 0.35 % 0.17  % (0.81 %) 0.24 % (0.25 %)

Return on average shareholders' equity 5.19 % 2.56  % (42.11 %) 3.50 % (13.80 %)

Effect of loss on sale of loans 0.00  % 0.00  % 29.48  % 0.00  % 9.94  %

Effect of Employee severance expense 0.32  % 0.00  % 0.00  % 0.11 % 0.00 %

Adjusted return on average shareholders' equity 5.51 % 2.56  % (12.63 %) 3.61 % (3.86 %)

Return on average tangible common equity 5.26 % 2.60  % (42.62 %) 3.54 % (13.97 %)

Effect of loss on sale of loans 0.00  % 0.00  % 29.84  % 0.00  % 10.06  %

Effect of Employee severance expense 0.32  % 0.00  % 0.00  % 0.11  % 0.00 %

Adjusted return on average tangible common equity 5.58 % 2.60  % (12.78 %) 3.65 % (3.91 %)

Tangible common equity $ 349,721  $ 358,860  $ 347,481  $ 349,721  $ 347,481

Adjustments:

Accumulated other comprehensive loss 35,056  21,117  23,004  35,056  23,004

Adjusted tangible common equity $ 384,777  $ 379,977  $ 370,485  $ 384,777  $ 370,485

Tangible assets $ 5,883,316  $ 5,551,688  $ 5,634,487  $ 5,883,316  $ 5,634,487

Adjustments:

Cash in excess of $300 million (352,274) (110,968) (487,661) (352,274) (487,661)

Adjusted tangible assets $ 5,531,042  $ 5,440,720  $ 5,146,826  $ 5,531,042  $ 5,146,826

Adjusted tangible common equity $ 384,777  $ 379,977  $ 370,485  $ 384,777  $ 370,485

Adjusted tangible assets 5,531,042  5,440,720  5,146,826  5,531,042  5,146,826

Adjusted tangible common equity to adjusted tangible assets 6.96  % 6.98  % 7.20  % 6.96  % 7.20  %

Nonperforming loans to total loans 1.63  % 1.58  % 1.47  % 1.63  % 1.47  %

Adjustments:

Fully guaranteed balances (0.49 %) (0.51 %) (0.29 %) (0.49 %) (0.29 %)

Adjusted nonperforming loans to total loans 1.14  % 1.07  % 1.18  % 1.14  % 1.18  %

Allowance for credit losses - loans to nonperforming loans 90.97  % 88.39  % 112.53  % 90.97  % 112.53  %

Adjustments:

Fully guaranteed balances 39.79  % 41.45  % 27.83  % 39.79  % 27.83  %

Adjusted allowance for credit losses - loans to nonperforming loans 130.76  % 129.84  % 140.36  % 130.76  % 140.36  %

EX-99.2

EX-99.2

Filename: inbk3q26investorpresenta.htm · Sequence: 3

inbk3q26investorpresenta

October 2026 Investor Presentation NASDAQ: INBK Exhibit 99.2

2 Forward-Looking Statements & Non-GAAP Financial Measures This presentation contains forward-looking statements within the meaning of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995, including statements with respect to the financial condition, results of operations, trends in lending policies and loan programs, plans and prospective business partnerships, objectives, future performance and business of the Company. Forward-looking statements are generally identifiable by the use of words such as “believe,” “continue,” “could,” “decline,” “drive,” “enhance,” “estimate,” “expanding,” “expect,” “grow,” “growth,” “improve,” “increase,” “looking ahead,” “may,” “pending,” “plan,” “position,” “preliminary,” “remain,” “rising,” “should,” “slow,” “stable,” “strategy,” “well-positioned,” or other similar expressions. Forward-looking statements are not a guarantee of future performance or results, are based on information available at the time the statements are made and involve known and unknown risks, uncertainties and other factors that could cause actual results to differ materially from the information in the forward- looking statements. Such statements are subject to certain risks and uncertainties including: our business and operations and the business and operations of our vendors and customers; general economic conditions, whether national or regional, and conditions in the lending markets in which we participate may have an adverse effect on the demand for our loans and other products; our credit quality and related levels of nonperforming assets and loan losses, and the value and salability of the real estate that is the collateral for our loans. Other factors that may cause such differences include: failures or breaches of or interruptions in the communications and information systems on which we rely to conduct our business; failure of our plans to grow our commercial and industrial, construction and SBA loan portfolios; competition with national, regional and community financial institutions; the loss of any key members of senior management; the impacts of inflation and rising interest rates on the general economy; risks relating to the regulation of financial institutions; and other factors identified in reports we file with the U.S. Securities and Exchange Commission. All statements in this presentation, including forward-looking statements, speak only as of the date they are made, and the Company undertakes no obligation to update any statement in light of new information or future events. This presentation contains financial information determined by methods other than in accordance with U.S. generally accepted accounting principles (“GAAP”). Non-GAAP financial measures, specifically tangible common equity, tangible assets, tangible book value per common share, tangible common equity to tangible assets, total interest income – FTE, net interest income – FTE, net interest margin – FTE, adjusted total revenue, pre-provision net revenue (loss), adjusted pre-provision net revenue, adjusted noninterest income, adjusted noninterest expense, adjusted noninterest expense to average assets, adjusted efficiency ratio, adjusted income (loss) before income taxes, adjusted income tax (benefit) provision, adjusted net income (loss), adjusted diluted earnings per share, adjusted return on average assets, adjusted return on average shareholders’ equity, adjusted return on average tangible common equity, adjusted tangible common equity, adjusted tangible assets, adjusted tangible common equity to adjusted tangible assets, adjusted nonperforming loans to total loans and adjusted allowance for credit losses - loans to nonperforming loans are used by the Company’s management to measure the strength of its capital and analyze profitability, including its ability to generate earnings on tangible capital invested by its shareholders. Although management believes these non-GAAP measures are useful to investors by providing a greater understanding of its business, they should not be considered a substitute for financial measures determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies. Reconciliations of these non-GAAP financial measures to the most directly comparable GAAP financial measures are included in the table at the end of this presentation under the caption “Reconciliation of Non-GAAP Financial Measures.”

3 First Internet Bancorp At-A-Glance • Digital Banking Pioneer - First state-chartered, FDIC-insured institution to operate entirely online, reimagining traditional banking over 25 years ago • Business Model Innovation - Highly scalable branchless banking model with a proven history of dynamic innovation and strong growth • Diversified Revenue Streams - Commercial banking, SBA lending, consumer lending, and BaaS partnerships • Multiple Lending Channels – Scalable origination platforms across lending businesses support sustainable growth • Banking-as-a-Service (BaaS) – Offers platform capabilities enabling fintech partnerships and collaborations • Regulatory Expertise - Deep compliance and risk management capabilities $5.9B TOTAL ASSETS 16%1 TTM ADJ. REVENUE GROWTH $170M1 ADJ. REVENUE TTM $3.9B TOTAL LOANS $5.2B TOTAL DEPOSITS $350M TANGIBLE EQUITY As of 9/30/26 1 See Reconciliation of Non-GAAP Financial Measures in the Appendix

4 Our Founding Thesis • Founded in 1999, based on a revolutionary idea that challenged the entire banking industry - create America's first state-chartered, FDIC-insured institution to operate entirely online • 25+ Year Legacy: From kitchen table startup to industry transformer, maintaining the same entrepreneurial spirit that empowers customers to "bank on their own ideas" • Core Guiding Principles:  Personal Connections: Despite being digital- first, we believe in the power of personal relationships built on trust and understanding  Customer-Centric: Taking time to know each customer and provide tailored solutions for every financial need  Innovation-Driven: Staying true to our roots as trailblazers who transformed an entire industry "Like most start-ups, our early days were challenging. But we built our success — and transformed the banking industry — by staying true to our roots as innovators and trailblazers. Today, we bring the same passion and creativity to every interaction you have with First Internet Bank — we want to empower you to bank on your own ideas.” CHAIRMAN AND CEO DAVID B. BECKER:

5 Our Business Model Branchless model attracts a nationwide deposit base with low acquisition costs, supplemented by BaaS partnerships – deployed into scalable specialty lending channels

6 Multiple Asset Generation Channels $ in millions As of 09/30/26 Core Lending Areas Construction & Investor CRE $ 1,154 Small Business Lending 439 C&I / Emerging Verticals 288 Public Finance 430 Single Tenant Lease Financing 309 Consumer Lending 446 Exited Lines Franchise Finance 331 Residential Mortgage 336 Healthcare Finance 112 Net Deferred Loan Fees, Premiums, Discounts and Other 19 $3,864 Strategic Focus • Specialized areas of lending • Scalable, nationwide platforms with growth potential • Optimize the mix of interest-earning assets • AI and tech to facilitate scalability and manage credit risk • Maximize risk-adjusted returns Emerging Verticals • Wealth advisory lending $104 • Equipment finance 34 • Fintech lending / embedded finance 21

7 Digital Banking & Fintech Partnerships Drive Growth Digital Banking • $2.3B in digital deposits • Consumer and SMB deposits sourced nationally • Do More Business Checking includes Cash Flow Analysis, payments through Zelle and Balance Optimizer • Do More Business Checking is a 3-time recipient of the Best in Biz Silver Winner award for Small or Medium Business Product of the Year BaaS / Fintech • Program sponsorship: deposits, payments, cards/BIN and lending • Empowers partners to move funds quickly at scale over multiple payments rails – ACH, FedNow, RTP Network • Origination of embedded finance / SMB credit products • 2025 co-recipient of the award for Payments Innovation of the Year from American Banker for our work with Increase to deliver High- fidelity ACH $4.7B Total Fintech Deposits $2.9B Held Off-Balance Sheet 199% Increase in Fintech Deposits over 3Q25 $303B Fintech Payments Volume TTM 198% Increase in Fintech Payments Volume over TTM ended 9/30/25

8 Key Investment Highlights • Digital Banking - America's first online bank with a 25+ year branchless model delivering superior cost structure and geographic reach • Technology Moat & Fintech Edge - Quarter-century digital head start creates competitive barriers and compelling partnership platform • Balance Sheet Restructuring - Accelerated optimization of the asset mix to drive increased earnings and improve interest rate risk • Disciplined credit underwriting – Historically strong credit quality through prudent underwriting and proactive portfolio management • Strong Financial Momentum - Continuous growth in net interest income with expanding net interest margin and strong loan originations • Pathway to Improved Profitability - Revenue growth is driving increased pre-provision, net revenue and positive operating leverage • BaaS-Powered Balance Sheet - Fintech partnerships fuel robust deposit growth creating strong liquidity and expansion capacity • Compelling Deep Value - Trading at significant discount to peers and tangible book value despite superior growth model Founder-led organization focused on building long-term shareholder value, with an attractive value-oriented entry point

9 Experienced Leadership • Founder of the first state-chartered, FDIC-insured bank to operate entirely online 25+ years ago • 40-year career in fintech/SaaS with 5 successful Inc. 500 company exits • Founding Board Chair of TechPoint and active in multiple Indiana economic development and education initiatives • Ernst & Young Entrepreneur of the Year (2001), Indiana Banking Excellence Award (2021), and Mickey Maurer Entrepreneur of the Year (2025) • Appointed president in July 2021 • 25 years with the Company in various leadership roles, including COO • Fintech background prior to joining INBK • Active on advisory boards for Indianapolis Neighborhood Housing Partnership and Hamilton County Community Foundation • Brings 30+ years of financial services experience • Banking Industry Veteran - Previously SVP of Investor Relations & Corporate Development at First Financial Bancorp (publicly traded bank holding company) • Former investment banker specializing in financial services sector • Began career at Price Waterhouse LLP DAVID B. BECKER Chairman and CEO NICOLE S. LORCH President, COO and Corporate Secretary KENNETH J. LOVIK EVP & CFO

Financial Review

11 Third Quarter 2026 Highlights Earnings • Net income of $4.8 million and adjusted net income of $5.1 million1, both up significantly over 2Q26 and 3Q25 • Diluted EPS of $0.54 and adjusted diluted EPS of $0.571, both up significantly over 2Q26 and 3Q25 • Pre-tax non-recurring severance costs of $0.4 million recognized in 3Q26 NII and NIM • Net interest income of $34.7 million and FTE NII of $35.9 million1,2, both up 7% over 2Q26 and 14% over 3Q25 • Net interest margin of 2.47% and FTE NIM of 2.55%1,2, both up 8 bps over 2Q26 and 43 bps from 3Q25 Revenue and PPNR • Adjusted total revenue of $43.9 million, up 7% over 2Q26 and 1% over 3Q25 • Adjusted pre-provision net revenue of $17.1 million1, up 14% from 2Q26 and down 6% over 3Q25 Loans • Total loan balances of $3.9 billion, up 1% from 2Q26 and 6% from 3Q25 • Weighted average yield on new loans funded in 3Q26 was 7.51% • SBA GOS revenue of $4.8 million; sold $62.3 million of 7(a) guaranteed balances Credit • Provision for credit losses of $11.6 million, down 13% from 2Q26 • Net charge-offs / average loans of 0.82%, down from 1.77% in 2Q26 • NPLs / total loans of 1.63%, or 1.14%1 excluding fully-guaranteed balances Capital • TCE / TA of 5.94%1, CET1 of 8.86%3, total capital of 12.32%3 • Excluding AOCI and adjusting for normalized cash balances, adjusted TCE / TA of 6.96%1 • Tangible book value per share of $40.041, down from 2Q26 1 See Reconciliation of Non-GAAP Financial Measures in the Appendix 2 On a fully-taxable equivalent (“FTE”) assuming a 21% tax rate 3 Regulatory capital ratios are preliminary pending filing of the Company’s regulatory reports

12 Adjusted Total Revenue1 and Pre-Provision, Net Revenue1 $43.5 $42.1 $43.1 $41.1 $43.9 $18.1 $17.9 $18.1 $15.0 $17.1 3Q25 4Q25 1Q26 2Q26 3Q26 Adjusted Total Revenue Adjusted Pre-Provision, Net Revenue Adjusted Efficiency Ratio1 58.5% 57.5% 58.0% 63.5% 61.2% 14% Increase in Adjusted PPNR vs. 2Q26 7% Increase in Adjusted Total Revenue vs. 2Q26 $ in millions 1 See Reconciliation of Non-GAAP Financial Measures in the Appendix

13 Loan Portfolio Overview $3,499 $3,840 $4,171 $3,747 $3,864 $22 $22 $55 $109 $35 $3,521 $3,862 $4,226 $3,856 $3,899 4.47% 5.22% 5.85% 6.15% 6.37% 2022 2023 2024 2025 3Q26 Total Loan Portfolio and Average Yield Total Loans HFI Total Loans HFS Average Yield 6% 30% 8% 11% 3% 11% 9% 8% 12% 0% Portfolio Composition Commercial & Industrial Construction & Investor CRE Single Tenant Lease Financing Public Finance Healthcare Finance Small Business Lending Franchise Finance Residential Loans Other Consumer Loans Net Deferred Loan Fees, Premiums, Discounts & Others YoY Growth in Loans HFI 21% 10% 9% -10% 6% $ in millions Note: Yields for 2022 – 2025 represent annual portfolio yields; 3Q26 yield represents year-to-date yield.

14 Diversified Deposit Base $3,441 $4,067 $4,933 $4,840 $5,153 1.38% 3.83% 4.24% 3.87% 3.38% 2022 2023 2024 2025 3Q26 Total Deposits and Cost of IBDs Total Deposits Cost of IBDs $ in millions 31% 17% 35% 8% 4% 4% Portfolio Composition Consumer Small Business Fintech Commercial Public Funds Brokered YoY Growth 8% 18% 21% -2% 5% Note: Cost of IBDs for 2022 – 2025 represent annual COFs; 3Q26 cost represents year- to-date COFs.

15 $31.5 $31.5 $32.8 $33.6 $35.9 2.12% 2.30% 2.45% 2.47% 2.55% 3Q25 4Q25 1Q26 2Q26 3Q26 Fully-Taxable-Equivalent Net Interest Income (“FTE NII”)1 and Net Interest Margin (“FTE NIM”)1 FTE NII FTE NIM 3.87% 3.68% 3.45% 3.38% 3.32% 6.18% 6.39% 6.36% 6.34% 6.42% 3Q25 4Q25 1Q26 2Q26 3Q26 Loan Yield and Cost of IBDs Cost of IBDs Loan Yield 2Q26 Deposits Securities Cash Other 3Q26 Net Interest Income and Net Interest Margin 2.47% -2 bps+3 bps +3 bps 2.55%+4 bps FTE NIM1 Bridge $ in millions 1 See Reconciliation of Non-GAAP Financial Measures in the Appendix

16 Noninterest Income Trends 1 See Reconciliation of Non-GAAP Financial Measures in the Appendix Key Highlights • SBA 7(a) loan sale volume up 11% from 2Q26 • SBA gain on sale gross premiums consistent with prior quarters • Fintech fee revenue continues to grow; TTM 3Q26 revenue up 191% over linked period Guaranteed Loans Sold $142.5 $110.3 $89.4 $56.3 $62.3 Reported Noninterest Income ($24.6) $11.4 $11.5 $8.7 $9.2 Loss on Sale of STL loans ($37.8) ($0.4) - - - $10.6 $8.6 $7.3 $4.7 $4.8 $0.7 $0.9 $1.8 $1.3 $1.9 $0.9 $1.1 $1.5 $1.9 $2.1 $1.1 $1.2 $0.9 $0.8 $0.4 $13.2 $11.8 $11.5 $8.7 $9.2 108% 108% 108% 108% 108% 3Q25 4Q25 1Q26 2Q26 3Q26 Adjusted Noninterest Income1 SBA gain on sale Net servicing revenue Fintech Other $ in millions

17 Noninterest Expense Trends $26.9 $0.4 $25.5 $24.2 $25.0 $26.1 $27.3 1.66% 1.71% 1.80% 1.85% 1.84% 3Q25 4Q25 1Q26 2Q26 3Q26 Noninterest Expense Noninterest Expense Nonrecurring Expense Adjusted NIE to Average Assets $ in millions Key Highlights • Increase in expenses from 2Q26 due primarily to higher compensation and employee benefits expense • Pre-tax non-recurring severance costs of $0.4 million recognized in 3Q26 • Low NIE / average assets highlights efficient business model • The Company expects to continue investing in tech and AI to further enhance the customer experience, automate workflows and strengthen risk management % of Noninterest Expense Personnel 56% 52% 53% 52% 54% Non-Personnel 44% 48% 47% 48% 46% 1 See Reconciliation of Non-GAAP Financial Measures in the Appendix 1

18 Credit Quality Overview $59.9 $55.7 $56.5 $53.1 $57.1 1.65% 1.49% 1.50% 1.39% 1.48% 3Q25 4Q25 1Q26 2Q26 3Q26 Allowance for Credit Losses ACL ACL/Total loans$ in millions $21.0 $16.0 $15.8 $16.9 $8.0 1.89% 1.68% 1.65% 1.77% 0.82% 3Q25 4Q25 1Q26 2Q26 3Q26 Net Charge-offs NCOs NCOs/Average Loans $ in millions $34.8 $12.0 $16.3 $13.4 $11.6 3Q25 4Q25 1Q26 2Q26 3Q26 Provision for Credit Losses $ in millions $ in millions $44.7 $47.7 $48.2 $45.4 $48.3 $10.5 $13.6 $15.5 $19.2 $19.2 $55.2 $61.3 $63.7 $64.6 $67.5 0.98% 1.10% 1.12% 1.16% 1.15% 0.79% 0.86% 0.84% 0.82% 0.82% 3Q25 4Q25 1Q26 2Q26 3Q26 Nonperforming Assets Govt. Guaranteed NPAs NPAs ex. Govt. Guaranteed NPAs / Total Assets NPAs ex. Govt. Guaranteed / Total Assets

19 Positive Credit Trends $15.2 $7.4 $9.1 $4.8 $3.7 3Q25 4Q25 1Q26 2Q26 3Q26 Small Business Lending Net Charge-offs $ in millions • Net charge-offs down 53% from 2Q26, driven by declines in franchise finance and small business lending • Total delinquencies 30D+PD down 38% from 2Q26, driven by substantial decline in franchise finance • Increase in nonaccrual loans driven by actions taken on certain franchise finance loans, including a large relationship late in the quarter • Small business lending ACL to unguaranteed balances of 7.37%; franchise finance ACL to total portfolio of 4.80% $26.2 $15.7 $6.7 $11.8 $8.7 $15.0 $7.9 $5.7 $2.2 $8.7 $14.5 $0.7 $37.1 $39.4 $29.1 $18.2 1.01% 1.06% 0.78% 0.48% 4Q25 1Q26 2Q26 3Q26 Delinquencies 30 - 59 Days 60 - 89 Days 90+ Days Total DQs / Total Loans $ in millions $41.8 $42.7 $37.4 $26.4 $43.2 $0.9 $2.2 $8.7 $14.5 $0.7 $10.6 $13.6 $15.5 $19.2 $19.2 $53.3 $58.5 $61.6 $60.1 $63.1 1.47% 1.56% 1.63% 1.58% 1.63% 1.18% 1.20% 1.22% 1.07% 1.14% 3Q25 4Q25 1Q26 2Q26 3Q26 Nonperforming Loans Govt. Guaranteed NPLs 90DPD & Accruing Nonaccrual Loans ex. Govt. Guaranteed NPLs / Total Loans NPLs ex. Govt. Guaranteed / Total Loans $ in millions

20 Capital and Sources of Liquidity $33.29 $38.51 $39.74 $41.43 $43.77 $40.87 $40.04 2020 2021 2022 2023 2024 2025 3Q26 Tangible Book Value Per Share1 Capital Ratios as of September 30, 20262 Company Bank Total Shareholder’s equity to Assets 6.02% 7.31% Tangible Common equity to Tangible Assets 5.94% 7.24% Tier 1 Leverage 6.15% 7.51% Common Equity Tier 1 8.86% 10.84% Tier 1 Capital 8.86% 10.84% Total Capital 12.32% 12.09% $652 $2,867 $958 $653 $20 $18 Liquidity Sources $ in millions Cash & Equivalents Off-Balance Sheet Deposits Fed Discount Window FHLB Borrowing Capacity Unpledged Securities Unsecured Funding $5,169 1 See Reconciliation of Non-GAAP Financial Measures in the Appendix 2 Regulatory capital ratios are preliminary pending filing of the Company’s and the Bank’s regulatory reports

21 Fourth Quarter 2026 Outlook EPS • Diluted earnings per share of $1.02 to $1.07 NII and NIM • FTE net interest margin of 2.75% to 2.80%, driven by ongoing loan portfolio optimization and stable deposit costs (assumes additional 25 bp increase in Fed Funds rate in December) • FTE net interest income of around $38.5 million Noninterest Income • Noninterest income of around $7.5 million, reflecting lower small business originations and gain on sale activity, offset by continued growth in fintech revenue Noninterest Expense • Noninterest expense of around $26.5 million Credit • Provision for credit losses of $7.5 million to $8.0 million

Appendix

23 Construction and Investor Commercial Real Estate 46% 13% 10% 7% 6% 18% Portfolio Mix by State IN AZ OH MI CO Other 65% 33% 2% Portfolio by Loan Type Investor Commercial Real Estate Commercial Construction/ Development Residential Construction/ Development 40% 18% 17% 9% 16% Portfolio Mix by Major Industry Multifamily/Mixed Use Industrial Warehouse Hospitality Senior Living Other • $1.2 billion of combined balances as of September 30, 2026 • Average current loan balance of $14.8 million for investor CRE • Minimal office exposure; 1.4% of combined balances consisting of suburban and medical office • Unfunded commitments of $349 million • Average commitment size for commercial construction / development of $21 million

24 Small Business Lending 24% 20% 15% 10% 31% Portfolio Mix by Major Industry Services Construction Retail Trade Manufacturing Other $439 $1,217 $35 Managed SBA 7(a) Loans Dollar in millions Retained Balance Servicing Portfolio Held for Sale $1,691 19% 13% 9% 8%6% 45% Portfolio Mix by State FL TX CA MI CO Other • $439 million of retained balances as of September 30, 2026 • Nationwide platform providing growth capital to entrepreneurs and small business owners • Diversified by industry and geography • Average retained balance of $324,000

25 C&I and Owner-Occupied Commercial Real Estate • $288 million of combined balances as of September 30, 2026 • Current C&I LOC Utilization of 45% • Minimal office exposure; 0.4% of combined loan balances consisting of suburban office • Average loan sizes  C&I: $610,000  Owner Occupied CRE: $879,000  Wealth Advisory: $1.1 million  Embedded Finance: $8,000 36% 25% 18% 14% 7% Portfolio by Loan Type Wealth Advisory Loans C&I - Term Loans Owner Occupied CRE C&I - Lines of Credit Embedded Finance 27% 11% 8% 7%5% 42% Portfolio Mix by State IN CA AZ IL TX Other 52% 7% 6% 4% 4% 26% Portfolio Mix by Major Industry Services Construction Manufacturing Real Estate and Rental and Leasing Health Care and Social Assistance Other

26 Public Finance • $430 million of balances as of September 30, 2026 • Provides a range of credit solutions for government and not-for-profit entities • Borrower’s needs include short-term financing, debt refinancing, infrastructure improvements, economic development and equipment financing • No delinquencies or losses since inception 30% 13% 12% 9% 7% 29% Portfolio Mix by Repayment Source General Obligation Essential Use Equipment Loans Lease Rental Revenue Water & Sewer Revenue Private Higher Education Other 32% 27% 2% 1% 38% Borrower Mix by Credit Rating A AA AAA BBB Non-Rated 64%6% 5% 4% 4% 17% Portfolio Mix by State IN OH OK MO IA Other

27 Single Tenant Lease Financing • $309 million of balances as of September 30, 2026 • Long-term financing of single tenant properties occupied by historically strong national and regional tenants • Weighted-average portfolio LTV of 55% • Average loan size of $1.8 million • Strong historical credit performance • Completed sale of $850 million of loans to Blackstone in 2025 45% 10% 7% 6% 5% 27% Portfolio Mix by Major Vertical Auto-Related Stores Quick Serve Restaurants Convenience Stores/Filling Stations Full Service Restaurants Medical Other 5% 5% 5% 5% 4% 76% Portfolio Mix by Major Tenant Cobblestone Auto Spa Main Street Auto Whistle Express Car Wash 7-Eleven Dollar General Other 18% 14% 8% 5%4% 51% Portfolio Mix by State FL TX NC GA AR Other

28 Specialty Consumer • $445 million of combined balances as of September 30, 2026 • Direct-to-consumer and nationwide dealer network originations • Strong historical credit performance • Focused on high quality borrowers • Average credit score at origination of 778 • Average loan size of $29,000 57% 33% 10% Portfolio by Loan Type Trailers Recreational Vehicles Other Consumer 14% 10% 6% 4% 4% 62% Portfolio Mix by State TX CA FL NC AZ Other 35% 49% 13% 3% Portfolio Mix by Credit Score at Origination 800-850 740-799 700-739 670-699

29 Franchise Finance • $331 million of balances as of September 30, 2026 • Provided growth financing to franchisees in a variety of industry segments • Diversified by industry, geography and brand • Average loan size of $633,000 19% 16% 14%14% 37% Portfolio by Borrower Use Limited-Service Restaurants Beauty Salons Snacks and Nonalcoholic Beverages Indoor Recreation Other 12% 10% 7% 5% 5% 61% Portfolio Mix by State CA TX FL GA MI Other 8% 7% 7% 6% 5%67% Portfolio Mix by Brand My Salon Suite Scooter's Coffee Urban Air Adventure Park Goldfish Swim School Restore Hyper Wellness Other

30 Residential Mortgage • $336 million of combined balances as of September 30, 2026 • Historically direct-to-consumer originations centrally located at corporate headquarters • Strong historical credit performance • Focused on high quality borrowers • Average loan size of $196,000 • Average credit score at origination of 741 • Average LTV at origination of 80% 95% 3% 1% 1% Portfolio by Loan Type Single Family Residential Home Equity – LOC Home Equity – Closed End SFR Construction to Permanent 74% 12% 2% 2% 1% 9% Portfolio Mix by State IN CA NY FL TX Other 75% 15% 4%4% 2% Portfolio Mix by Region Midwest West Coast Northeast/Mid-Atl. Southeast Southwest

31 Healthcare Finance • $112 million of balances as of September 30, 2026 • Borrower’s needs include practice finance or acquisition, acquiring or refinancing owner- occupied commercial real estate, equipment purchases and project loans • Strong historical credit performance to date • Average loan size of $309,000 71% 24% 5% Portfolio by Loan Type Practice Refi or Acquisition Owner Occupied CRE Project 31% 12% 5%5%4% 43% Portfolio Mix by State CA TX FL NY AZ Other 86% 10% 4% Portfolio Mix by Borrower Dentists Veterinarians Other

Dollars in thousands, except share and per share data 2021 2022 2023 2024 2025 3Q26 Total equity - GAAP $380,338 $364,974 $362,795 $384,063 $359,767 $354,408 Adjustments: Goodwill (4,687) (4,687) (4,687) (4,687) (4,687) (4,687) Tangible common equity $375,651 $360,287 $358,108 $379,376 $355,080 $349,721 Common shares outstanding 9,754,455 9,065,883 8,644,451 8,667,894 8,686,994 8,733,574 Book value per common share $38.99 $40.26 $41.97 $44.31 $41.41 $40.58 Effect of goodwill (0.48) (0.52) (0.54) (0.54) (0.54) (0.54) Tangible book value per common share $38.51 $39.74 $41.43 $43.77 $40.87 $40.04 32 Reconciliation of Non-GAAP Financial Measures

Dollars in thousands, except share and per share data 3Q25 4Q25 1Q26 2Q26 3Q26 Total equity - GAAP $352,168 $359,767 $360,954 $363,547 $354,408 Adjustments: Goodwill (4,687) (4,687) (4,687) (4,687) (4,687) Tangible common equity $347,481 $355,080 $356,267 $358,860 $349,721 Total assets - GAAP $5,639,174 $5,571,647 $5,711,688 $5,556,375 $5,888,003 Adjustments: Goodwill (4,687) (4,687) (4,687) (4,687) (4,687) Tangible assets $5,634,487 $5,566,960 $5,707,001 $5,551,688 $5,883,316 Common shares outstanding 8,713,094 8,686,994 8,716,662 8,733,574 8,733,574 Book value per common share $40.42 $41.41 $41.41 $41.63 $40.58 Effect of goodwill (0.54) (0.54) (0.54) (0.54) (0.54) Tangible book value per common share $39.88 $40.87 $40.87 $41.09 $40.04 Total shareholders' equity to assets 6.25% 6.46% 6.32% 6.54% 6.02% Effect of goodwill (0.08%) (0.08%) (0.08%) (0.08%) (0.08%) Tangible common equity to tangible assets 6.17% 6.38% 6.24% 6.46% 5.94% 33 Reconciliation of Non-GAAP Financial Measures

Dollars in thousands 3Q25 4Q25 1Q26 2Q26 3Q26 Total interest income $84,388 $78,054 $75,810 $76,636 $80,031 Adjustments: Fully-taxable equivalent adjustments 1 1,158 1,161 1,160 1,142 1,116 Total interest income - FTE $85,546 $79,215 $76,970 $77,778 $81,147 Net interest income $30,352 $30,322 $31,598 $32,439 $34,742 Adjustments: Fully-taxable equivalent adjustments 1 1,158 1,161 1,160 1,142 1,116 Net interest income - FTE $31,510 $31,483 $32,758 $33,581 $35,858 Net interest margin 2.04% 2.22% 2.36% 2.39% 2.47% Adjustments: Effect of fully-taxable equivalent adjustments 1 0.08% 0.08% 0.09% 0.08% 0.08% Net interest margin - FTE 2.12% 2.30% 2.45% 2.47% 2.55% Total revenue - GAAP $5,705 $41,697 $43,116 $41,124 $43,941 Adjustments: Loss on sale of loans 37,823 411 - - - Adjusted total revenue $43,528 $42,108 $43,116 $41,124 $43,941 Net income - GAAP ($41,593) $5,289 $2,509 $2,367 $4,819 Adjustments:1 Provision for credit losses 34,789 11,984 16,305 13,415 11,629 Income tax (benefit) provision (12,950) 213 (725) (780) 236 Pre-provision net revenue (loss) ($19,754) $17,486 $18,089 $15,002 $16,684 34 Reconciliation of Non-GAAP Financial Measures 1 Assuming a 21% tax rate

Dollars in thousands 3Q25 4Q25 1Q26 2Q26 3Q26 Pre-provision net revenue (loss) ($19,754) $17,486 $18,089 $15,002 $16,684 Adjustments: Loss on sale of loans 37,823 411 - - - Employee severance expense - - - - 371 Adjusted pre-provision net revenue $18,069 $17,897 $18,089 $15,002 $17,055 Noninterest income (loss) - GAAP ($24,647) $11,375 $11,518 $8,685 $9,199 Adjustments: Loss on sale of loans 37,823 411 - - - Adjusted noninterest income $13,176 $11,786 $11,518 $8,685 $9,199 Noninterest expense $25,459 $24,211 $25,027 $26,122 $27,257 Adjustments: Employee severance expense - - - - (371) Adjusted noninterest expense $25,459 $24,211 $25,027 $26,122 $26,886 Noninterest expense to average assets 1.66% 1.71% 1.80% 1.85% 1.87% Effect of employee severance expense 0.00% 0.00% 0.00% 0.00% (0.03%) Adjusted noninterest expense to average assets 1.66% 1.71% 1.80% 1.85% 1.84% Adjusted efficiency ratio Adjustments: Adjusted noninterest expense $25,459 $24,211 $25,027 $26,122 $26,886 Adjusted total revenue 43,528 42,108 43,116 41,124 43,941 Adjusted efficiency ratio (Adjusted noninterest expense/adjusted total revenue) 58.5% 57.5% 58.0% 63.5% 61.2% Income (loss) before income taxes - GAAP ($54,543) $5,502 $1,784 $1,587 $5,055 Adjustments: Loss on sale of loans 37,823 411 - - - Employee severance expense - - - - 371 Adjusted income (loss) before income taxes ($16,720) $5,913 $1,784 $1,587 $5,426 35 Reconciliation of Non-GAAP Financial Measures 1 Assuming a 21% tax rate

Dollars in thousands 3Q25 4Q25 1Q26 2Q26 3Q26 Income tax (benefit) provision - GAAP ($12,950) $213 ($725) ($780) $236 Adjustments:1 Loss on sale of loans 8,699 86 - - - Employee severance expense - - - - 78 Adjusted income tax (benefit) provision ($4,251) $299 ($725) ($780) $314 Net income (loss) - GAAP ($41,593) $5,289 $2,509 $2,367 $4,819 Adjustments: Loss on sale of loans 29,124 325 - - - Employee severance expense - - - - 293 Adjusted net income (loss) ($12,469) $5,614 $2,509 $2,367 $5,112 Diluted average common shares outstanding 8,742,052 8,769,456 8,774,111 8,822,099 8,865,954 Diluted earnings per share - GAAP ($4.76) $0.60 $0.29 $0.27 $0.54 Adjustments: Effect of loss on sale of loans 3.33 0.04 - - - Effect of employee severance expense - - - - 0.03 Adjusted diluted earnings per share ($1.43) $0.64 $0.29 $0.27 $0.57 Return on average assets (2.71%) 0.37% 0.18% 0.17% 0.33% Effect of loss on sale of loans 1.90% 0.02% 0.00% 0.00% 0.00% Effect of employee severance expense 0.00% 0.00% 0.00% 0.00% 0.02% Adjusted return on average assets (0.81%) 0.39% 0.18% 0.17% 0.35% Return on average shareholders' equity (42.11%) 5.79% 2.72% 2.56% 5.19% Effect of loss on sale of loans 29.48% 0.36% 0.00% 0.00% 0.00% Effect of employee severance expense 0.00% 0.00% 0.00% 0.00% 0.32% Adjusted return on average shareholders' equity (12.63%) 6.15% 2.72% 2.56% 5.51% Return on average tangible common equity (42.62%) 5.87% 2.75% 2.60% 5.26% Effect of loss on sale of loans 29.84% 0.36% 0.00% 0.00% 0.00% Effect of employee severance expense 0.00% 0.00% 0.00% 0.00% 0.32% Adjusted return on average tangible common equity (12.78%) 6.23% 2.75% 2.60% 5.58% 36 Reconciliation of Non-GAAP Financial Measures 1 Assuming a 21% tax rate

Dollars in thousands TTM 3Q25 TTM 3Q26 $ Variance % Variance Total Revenue - GAAP $114,262 $169,878 $55,616 49% Adjustments: Gain on prepayment of FHLB advance (1,829) - 1,829 Gain on termination of swaps (2,904) - 2,904 Loss on sale of loans 37,823 411 (37,412) Adjusted total revenue $147,352 $170,289 $22,937 16% Dollars in thousands 3Q26 Tangible common equity $349,721 Adjustments: Accumulated other comprehensive loss 35,056 Adjusted tangible common equity $384,777 Tangible assets $5,883,316 Adjustments: Cash in excess of $300 million (352,274) Adjusted tangible assets $5,531,042 Adjusted tangible common equity $384,777 Adjusted tangible assets $5,531,042 Adjusted tangible common equity to adjusted tangible assets 6.96% 37 Reconciliation of Non-GAAP Financial Measures

3Q25 4Q25 1Q26 2Q26 3Q26 Nonperforming loans to total loans 1.47% 1.56% 1.63% 1.58% 1.63% Adjustments: Fully-guaranteed balances (0.29%) (0.36%) (0.41%) (0.51%) (0.49%) Adjusted nonperforming loans to total loans 1.18% 1.20% 1.22% 1.07% 1.14% Allowance for credit losses - loans to nonperforming loans 112.53% 95.13% 91.72% 88.39% 90.97% Adjustments: Fully-guaranteed balances 27.83% 28.84% 30.73% 41.45% 39.79% Adjusted allowance for credit losses - loans to nonperforming loans 140.36% 123.97% 122.45% 129.84% 130.76% 38 Reconciliation of Non-GAAP Financial Measures

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