First Internet Bancorp (INBK) Q2 FY26 earnings call

First Internet Bancorp reported a significant inflection point in its credit trajectory in Q2 FY26, driven by improved underwriting and portfolio management, leading to lower delinquencies and non-performing loans. The company also achieved strong revenue growth and margin expansion, supported by strategic fintech partnerships and efficient capital deployment, positioning it for continued profitability despite a smaller balance sheet. Management expressed confidence that the hardest part of the credit cycle is behind them.