印度工业银行 2025年度报告

FORM 10-K (Mark One)ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☑For the Fiscal Year Ended December31, 2025.or☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the Transition Period From ________ to ________. Commission File Number001-35750 First Internet Bancorp (Exact Name of Registrant as Specified in its Charter) Indiana(State or other jurisdiction of 20-3489991(I.R.S. Employer incorporation or organization) 8701 E. 116th StreetFishers, Indiana(Address of principal executive offices) 46038(Zip Code) (317) 532-7900(Registrant’s telephone number, including area code) Securities registered pursuant to Section 12(b) of the Act:Title of each classTrading SymbolsName of exchange on which registeredCommon stock, without par valueINBKThe Nasdaq Stock Market LLC6.0% Fixed to Floating Subordinated Notes due 2029INBKZThe Nasdaq Stock Market LLC Securities registered pursuant to Section 12(g) of the Act: None Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the SecuritiesYesNo Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.YesNo Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or Section 15(d) of the SecuritiesExchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2)has been subject to such filing requirements for the past 90 days.YesNo Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required tosubmit such files).YesNo Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reportingcompany or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and“emerging growth company” in Rule 12b-2 of the Exchange Act. Accelerated FilerSmaller reporting company☐ Large accelerated filerNon-accelerated filer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 complyingwith any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of itsinternal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered publicaccounting firm that prepared or issued its audit report.☑ If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrantincluded in the filing reflect the correction of an error to previously issued financial statements. Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-basedcompensation received by any of the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1 (b).☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).Yes☐No The aggregate market value of common stock held by non-affiliates of the registrant as of June30, 2025, the last business day of theregistrant’s most recently completed second fiscal quarter, was approximately $215.0 million, based on the closing sale price for the registrant’scommon stock on that date. For purposes of determining this number, all officers and directors of the registrant are considered to be affiliates ofthe registrant. This number is provided only for the purpose of this report and does not represent an admission by either the registrant or anysuch person as to the status of such person. As of March6, 2026, the registrant had 8,716,662 shares of common stock issued and outstanding. Documents Incorporated By Reference Portions of our definitive proxy statement for our 2026 annual meeting of shareholders are incorporated by reference into Part III of this AnnualReport on Form 10-K where indicated. First Internet BancorpTable of Contents PART IItem 1.BusinessItem 1A.Risk FactorsItem 1B.Unresolved Staff CommentsItem 1C.CybersecurityItem 2.PropertiesItem 3.Legal ProceedingsItem 4.Mine Safety Disclosures PART IIItem 5.Market for the Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities22Item 6.Reserved24Item 7.Management’s Discussion and Analysis of Financial Condition and Results of Operations25Item 7