First Internet Bancorp reported quarterly earnings of $0.64 per share for the quarter ended December 31, 2025, comfortably above the Zacks Consensus Estimate of $0.59 and marking a 56% increase from the $0.41 earned a year earlier. This beat reflects improved net interest income driven by higher loan yields and disciplined asset-liability management, as well as controlled operating expenses that supported a 120 basis-point expansion in pre-tax operating margin versus the prior year. The strong results suggest resilience in First Internet’s digital banking franchise and position the bank to capitalize on incremental margin opportunities as rates stabilize.