0001562463 2025-01-01 2025-12-31 0001562463 2024-01-01 2024-12-31 0001562463 2023-01-01 2023-12-31 0001562463 2022-01-01 2022-12-31 0001562463 2021-01-01 2021-12-31 0001562463 ecd:EqtyAwrdsInSummryCompstnTblForAplblYrMember ecd:PeoMember 2025-01-01 2025-12-31 0001562463 ecd:EqtyAwrdsInSummryCompstnTblForAplblYrMember ecd:NonPeoNeoMember 2025-01-01 2025-12-31 0001562463 ecd:YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember ecd:PeoMember 2025-01-01 2025-12-31 0001562463 ecd:YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember ecd:NonPeoNeoMember 2025-01-01 2025-12-31 0001562463 ecd:ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember ecd:PeoMember 2025-01-01 2025-12-31 0001562463 ecd:ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember ecd:NonPeoNeoMember 2025-01-01 2025-12-31 0001562463 ecd:VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember ecd:PeoMember 2025-01-01 2025-12-31 0001562463 ecd:VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember ecd:NonPeoNeoMember 2025-01-01 2025-12-31 0001562463 ecd:ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember ecd:PeoMember 2025-01-01 2025-12-31 0001562463 ecd:ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember ecd:NonPeoNeoMember 2025-01-01 2025-12-31 0001562463 ecd:FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember ecd:PeoMember 2025-01-01 2025-12-31 0001562463 ecd:FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember ecd:NonPeoNeoMember 2025-01-01 2025-12-31 0001562463 ecd:DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember ecd:PeoMember 2025-01-01 2025-12-31 0001562463 ecd:DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember ecd:NonPeoNeoMember 2025-01-01 2025-12-31 0001562463 1 2025-01-01 2025-12-31 0001562463 2 2025-01-01 2025-12-31 0001562463 3 2025-01-01 2025-12-31 0001562463 4 2025-01-01 2025-12-31 iso4217:USD pure DEF 14A false 0001562463 First Internet Bancorp true <div style="margin-top:10pt;text-align:justify"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Committee’s equity grant practice is generally to determine the grants of equity awards to our NEOs for each year in December of the preceding year. Awards are neither timed to relate to the price of our stock nor to correspond with the release of material non-public information, although grants are generally made when our trading window is open. Grants to new employees, including potential NEOs, are typically made at the next regularly scheduled Committee meeting following the employee’s start date. We have not historically granted stock options or stock appreciation rights to any personnel, including our executive officers, and we do not have plans to make any such grants.</span></div> The Committee’s equity grant practice is generally to determine the grants of equity awards to our NEOs for each year in December of the preceding year.Grants to new employees, including potential NEOs, are typically made at the next regularly scheduled Committee meeting following the employee’s start date. true Awards are neither timed to relate to the price of our stock nor to correspond with the release of material non-public information, although grants are generally made when our trading window is open. false false <div style="margin-top:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:7.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.809%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.809%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.809%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.809%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.809%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.809%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.809%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.406%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.811%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#3BB789;padding:0 1pt"></td><td colspan="3" style="background-color:#3BB789;padding:0 1pt"></td><td colspan="3" style="background-color:#3BB789;padding:0 1pt"></td><td colspan="3" style="background-color:#3BB789;padding:0 1pt"></td><td colspan="3" style="background-color:#3BB789;padding:0 1pt"></td><td colspan="3" style="background-color:#3BB789;padding:0 1pt"></td><td colspan="3" style="background-color:#3BB789;padding:0 1pt"></td><td colspan="3" style="background-color:#3BB789;padding:0 1pt"></td><td colspan="3" style="background-color:#3BB789;padding:0 1pt"></td><td colspan="9" style="background-color:#3BB789;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">VALUE OF INITIAL FIXED $100 INVESTMENT<br/>BASED ON:</span></td><td colspan="3" style="background-color:#3BB789;padding:0 1pt"></td><td colspan="3" style="background-color:#3BB789;padding:0 1pt"></td><td colspan="3" style="background-color:#3BB789;padding:0 1pt"></td><td colspan="3" style="background-color:#3BB789;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#3BB789;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:114%">YEAR</span></td><td colspan="3" style="background-color:#3BB789;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">SUMMARY COMP.</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">TABLE TOTAL FOR</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">CEO </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:115%;position:relative;top:-2.8pt;vertical-align:baseline">(1)(2)</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">($)</span></div></td><td colspan="3" style="background-color:#3BB789;padding:0 1pt"></td><td colspan="3" style="background-color:#3BB789;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">COMP. ACTUALLY</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">PAID TO CEO </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:115%;position:relative;top:-2.8pt;vertical-align:baseline">(1)(2)</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">($)</span></div></td><td colspan="3" style="background-color:#3BB789;padding:0 1pt"></td><td colspan="3" style="background-color:#3BB789;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">AVERAGE SUMMARY</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">COMP. TABLE FOR</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">OTHER NEOS </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:115%;position:relative;top:-2.8pt;vertical-align:baseline">(1)(2)</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">($)</span></div></td><td colspan="3" style="background-color:#3BB789;padding:0 1pt"></td><td colspan="3" style="background-color:#3BB789;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">AVERAGE COMP.</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">ACTUALLY PAID TO</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">OTHER NEOS </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:115%;position:relative;top:-2.8pt;vertical-align:baseline">(1)(2)</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">($)</span></div></td><td colspan="3" style="background-color:#3BB789;padding:0 1pt"></td><td colspan="3" style="background-color:#3BB789;border-top:1pt solid #808080;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">TOTAL</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">SHAREHOLDER</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">RETURN </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:115%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">($)</span></div></td><td colspan="3" style="background-color:#3BB789;border-top:1pt solid #808080;padding:0 1pt"></td><td colspan="3" style="background-color:#3BB789;border-top:1pt solid #808080;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">PEER GROUP TOTAL</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">SHAREHOLDER</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">RETURN </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:115%;position:relative;top:-2.8pt;vertical-align:baseline">(3)(4)</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">($)</span></div></td><td colspan="3" style="background-color:#3BB789;padding:0 1pt"></td><td colspan="3" style="background-color:#3BB789;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">NET INCOME<br/>($ IN MILLIONS)</span></td><td colspan="3" style="background-color:#3BB789;padding:0 1pt"></td><td colspan="3" style="background-color:#3BB789;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">COMPANY-SELECTED</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">MEASURE:</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%">NONPERFORMING <br/>ASSETS RATIO </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:115%;position:relative;top:-2.8pt;vertical-align:baseline">(5)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:115%"> </span></div></td></tr><tr><td colspan="3" style="background-color:#DBDBDB;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">2025</span></td><td colspan="3" style="background-color:#DBDBDB;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">1,492,001</span></td><td colspan="3" style="background-color:#DBDBDB;padding:0 1pt"></td><td colspan="3" style="background-color:#DBDBDB;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">674,229</span></td><td colspan="3" style="background-color:#DBDBDB;padding:0 1pt"></td><td colspan="3" style="background-color:#DBDBDB;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">798,986</span></td><td colspan="3" style="background-color:#DBDBDB;padding:0 1pt"></td><td colspan="3" style="background-color:#DBDBDB;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">226,587</span></td><td colspan="3" style="background-color:#DBDBDB;padding:0 1pt"></td><td colspan="3" style="background-color:#DBDBDB;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">76.0</span></td><td colspan="3" style="background-color:#DBDBDB;padding:0 1pt"></td><td colspan="3" style="background-color:#DBDBDB;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">211.4</span></td><td colspan="3" style="background-color:#DBDBDB;padding:0 1pt"></td><td colspan="3" style="background-color:#DBDBDB;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">$(35,168)</span></td><td colspan="3" style="background-color:#DBDBDB;padding:0 1pt"></td><td colspan="3" style="background-color:#DBDBDB;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">1.10%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">1,934,751</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">2,143,326</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">1,001,935</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">1,153,665</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">159.4</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">143.7</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">25,276</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">0.50%</span></td></tr><tr><td colspan="3" style="background-color:#DBDBDB;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">2023</span></td><td colspan="3" style="background-color:#DBDBDB;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">1,727,322</span></td><td colspan="3" style="background-color:#DBDBDB;padding:0 1pt"></td><td colspan="3" style="background-color:#DBDBDB;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">1,414,677</span></td><td colspan="3" style="background-color:#DBDBDB;padding:0 1pt"></td><td colspan="3" style="background-color:#DBDBDB;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">894,137</span></td><td colspan="3" style="background-color:#DBDBDB;padding:0 1pt"></td><td colspan="3" style="background-color:#DBDBDB;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">724,468</span></td><td colspan="3" style="background-color:#DBDBDB;padding:0 1pt"></td><td colspan="3" style="background-color:#DBDBDB;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">106.3</span></td><td colspan="3" style="background-color:#DBDBDB;padding:0 1pt"></td><td colspan="3" style="background-color:#DBDBDB;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">107.3</span></td><td colspan="3" style="background-color:#DBDBDB;padding:0 1pt"></td><td colspan="3" style="background-color:#DBDBDB;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">8,417</span></td><td colspan="3" style="background-color:#DBDBDB;padding:0 1pt"></td><td colspan="3" style="background-color:#DBDBDB;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">0.20%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">1,816,153</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">342,701</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">668,807</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">194,445</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">105.3</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">98.4</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">35,441</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">0.17%</span></td></tr><tr><td colspan="3" style="background-color:#DBDBDB;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">2021</span></td><td colspan="3" style="background-color:#DBDBDB;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">1,920,277</span></td><td colspan="3" style="background-color:#DBDBDB;padding:0 1pt"></td><td colspan="3" style="background-color:#DBDBDB;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">2,900,421</span></td><td colspan="3" style="background-color:#DBDBDB;padding:0 1pt"></td><td colspan="3" style="background-color:#DBDBDB;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">725,604</span></td><td colspan="3" style="background-color:#DBDBDB;padding:0 1pt"></td><td colspan="3" style="background-color:#DBDBDB;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">1,031,657</span></td><td colspan="3" style="background-color:#DBDBDB;padding:0 1pt"></td><td colspan="3" style="background-color:#DBDBDB;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">202.5</span></td><td colspan="3" style="background-color:#DBDBDB;padding:0 1pt"></td><td colspan="3" style="background-color:#DBDBDB;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">118.6</span></td><td colspan="3" style="background-color:#DBDBDB;padding:0 1pt"></td><td colspan="3" style="background-color:#DBDBDB;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">48,114</span></td><td colspan="3" style="background-color:#DBDBDB;padding:0 1pt"></td><td colspan="3" style="background-color:#DBDBDB;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">0.20%</span></td></tr></table></div> NONPERFORMING ASSETS RATIO 1492001 674229 798986 226587 76.0 211.4 -35168000000 1.10 1934751 2143326 1001935 1153665 159.4 143.7 25276000000 0.50 1727322 1414677 894137 724468 106.3 107.3 8417000000 0.20 1816153 342701 668807 194445 105.3 98.4 35441000000 0.17 1920277 2900421 725604 1031657 202.5 118.6 48114000000 0.20 <div style="margin-top:10pt;padding-left:13.5pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span></div><div style="padding-left:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:70.606%"><tr><td style="width:1.0%"></td><td style="width:14.565%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:28.942%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:53.193%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#3BB789;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:114%">YEAR</span></td><td colspan="3" style="background-color:#3BB789;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:114%">PEO</span></td><td colspan="3" style="background-color:#3BB789;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:114%">NEOs</span></td></tr><tr><td colspan="3" style="background-color:#D9D9D9;border-top:1pt solid #92CDDC;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:114%">2025</span></td><td colspan="3" style="background-color:#D9D9D9;border-top:1pt solid #92CDDC;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">David Becker</span></td><td colspan="3" style="background-color:#D9D9D9;border-top:1pt solid #A6A6A6;padding:2px 1pt 2px 14.5pt;text-align:left;text-indent:-13.7pt;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">Nicole S. Lorch, Kenneth J. Lovik</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:114%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">David Becker</span></td><td colspan="3" style="padding:2px 1pt 2px 14.5pt;text-align:left;text-indent:-13.7pt;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">Nicole S. Lorch, Kenneth J. Lovik</span></td></tr><tr><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:114%">2023</span></td><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">David Becker</span></td><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt 2px 14.5pt;text-align:left;text-indent:-13.7pt;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">Nicole S. Lorch, Kenneth J. Lovik</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:114%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">David Becker</span></td><td colspan="3" style="padding:2px 1pt 2px 14.5pt;text-align:left;text-indent:-13.7pt;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">Nicole S. Lorch, Kenneth J. Lovik, C. Charles Perfetti</span></td></tr><tr><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:114%">2021</span></td><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">David Becker</span></td><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt 2px 14.5pt;text-align:left;text-indent:-13.7pt;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">Nicole S. Lorch, Kenneth J. Lovik, C. Charles Perfetti</span></td></tr></table></div> David Becker David Becker David Becker David Becker David Becker <div style="margin-top:10pt;padding-left:13.5pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.74pt">We did not report a change in pension value for any of the years reflected in this table; therefore, a deduction from the Summary Compensation Table (“SCT”) total related to pension value is not needed. A reconciliation of Total Compensation from the SCT to Compensation Actually Paid to our CEO and our Other NEOs (as an average) is shown below:</span></div><div style="padding-left:72pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:82.878%"><tr><td style="width:1.0%"></td><td style="width:61.422%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.181%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.181%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.716%"></td><td style="width:0.1%"></td></tr><tr style="height:14pt"><td colspan="3" rowspan="2" style="background-color:#3BB789;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">Adjustments</span></td><td colspan="6" style="background-color:#3BB789;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">2025</span></td><td colspan="3" style="background-color:#3BB789;padding:0 1pt"></td></tr><tr style="height:29pt"><td colspan="3" style="background-color:#3BB789;border-top:1pt solid #808080;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CEO<br/>($)</span></td><td colspan="3" style="background-color:#3BB789;border-top:1pt solid #808080;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Average of <br/>Other NEOs<br/>($)</span></td><td colspan="3" style="background-color:#3BB789;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:114%">Total Compensation from SCT</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:114%">1,492,001</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:114%">798,986</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:114%">Adjustments for stock and option awards:</span></td><td colspan="3" style="background-color:#D9D9D9;padding:0 1pt"></td><td colspan="3" style="background-color:#D9D9D9;padding:0 1pt"></td><td colspan="3" style="background-color:#D9D9D9;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">(Subtraction): SCT amounts</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">(628,001)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">(315,416)</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">Addition: Fair value at year-end of awards granted during the covered fiscal year that are outstanding and unvested at year-end</span></td><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">369,127</span></td><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">185,441</span></td><td colspan="3" style="background-color:#D9D9D9;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">(Subtraction) Addition: The difference between fair value from the end of the prior year to the end of this year of awards granted in any prior fiscal year that are outstanding and unvested at year end</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">(254,696)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">(301,010)</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">Addition: Fair value of awards granted and vesting during such year as of the end of the year</span></td><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">-</span></td><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">-</span></td><td colspan="3" style="background-color:#D9D9D9;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">(Subtraction) Addition: Difference in fair value from the end of the prior year to the vesting date of awards granted in any prior fiscal year for which vesting conditions were satisfied during such year</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">(28,735)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">(12,300)</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">(Subtraction): Fair value at end of prior year of awards granted in any prior fiscal year that fail to meet the applicable vesting conditions during such year</span></td><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">(275,467)</span></td><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">(129,114)</span></td><td colspan="3" style="background-color:#D9D9D9;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">Addition: Dividends or other earnings paid on stock or option awards in the covered year prior to vesting if not otherwise included in fair value or total compensation for the covered year</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">–</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">–</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:114%">Compensation Actually Paid (as calculated)</span></td><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:114%">674,229</span></td><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:114%">226,587</span></td><td colspan="3" style="background-color:#D9D9D9;padding:0 1pt"></td></tr></table></div> <div style="margin-top:10pt;padding-left:13.5pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.74pt">We did not report a change in pension value for any of the years reflected in this table; therefore, a deduction from the Summary Compensation Table (“SCT”) total related to pension value is not needed. A reconciliation of Total Compensation from the SCT to Compensation Actually Paid to our CEO and our Other NEOs (as an average) is shown below:</span></div><div style="padding-left:72pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:82.878%"><tr><td style="width:1.0%"></td><td style="width:61.422%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.181%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.181%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.716%"></td><td style="width:0.1%"></td></tr><tr style="height:14pt"><td colspan="3" rowspan="2" style="background-color:#3BB789;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">Adjustments</span></td><td colspan="6" style="background-color:#3BB789;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">2025</span></td><td colspan="3" style="background-color:#3BB789;padding:0 1pt"></td></tr><tr style="height:29pt"><td colspan="3" style="background-color:#3BB789;border-top:1pt solid #808080;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CEO<br/>($)</span></td><td colspan="3" style="background-color:#3BB789;border-top:1pt solid #808080;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Average of <br/>Other NEOs<br/>($)</span></td><td colspan="3" style="background-color:#3BB789;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:114%">Total Compensation from SCT</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:114%">1,492,001</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:114%">798,986</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:114%">Adjustments for stock and option awards:</span></td><td colspan="3" style="background-color:#D9D9D9;padding:0 1pt"></td><td colspan="3" style="background-color:#D9D9D9;padding:0 1pt"></td><td colspan="3" style="background-color:#D9D9D9;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">(Subtraction): SCT amounts</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">(628,001)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">(315,416)</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">Addition: Fair value at year-end of awards granted during the covered fiscal year that are outstanding and unvested at year-end</span></td><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">369,127</span></td><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">185,441</span></td><td colspan="3" style="background-color:#D9D9D9;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">(Subtraction) Addition: The difference between fair value from the end of the prior year to the end of this year of awards granted in any prior fiscal year that are outstanding and unvested at year end</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">(254,696)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">(301,010)</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">Addition: Fair value of awards granted and vesting during such year as of the end of the year</span></td><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">-</span></td><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">-</span></td><td colspan="3" style="background-color:#D9D9D9;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">(Subtraction) Addition: Difference in fair value from the end of the prior year to the vesting date of awards granted in any prior fiscal year for which vesting conditions were satisfied during such year</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">(28,735)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">(12,300)</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">(Subtraction): Fair value at end of prior year of awards granted in any prior fiscal year that fail to meet the applicable vesting conditions during such year</span></td><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">(275,467)</span></td><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">(129,114)</span></td><td colspan="3" style="background-color:#D9D9D9;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">Addition: Dividends or other earnings paid on stock or option awards in the covered year prior to vesting if not otherwise included in fair value or total compensation for the covered year</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">–</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:114%">–</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:114%">Compensation Actually Paid (as calculated)</span></td><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:114%">674,229</span></td><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:114%">226,587</span></td><td colspan="3" style="background-color:#D9D9D9;padding:0 1pt"></td></tr></table></div> 1492001 798986 -628001 -315416 369127 185441 -254696 -301010 0 0 -28735 -12300 -275467 -129114 0 0 674229 226587 <span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.74pt">Total shareholder return is calculated based on a fixed investment of one hundred dollars measured from the market close on December 31, 2020 (the last trading day of 2020) through and including the end of the fiscal year for each year reported in the table.</span> <div style="padding-left:13.5pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">(4)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%;padding-left:3.74pt">Our peer group used for the Total Shareholder Return calculations is the S&amp;P U.S. BMI Banks Index, which is the industry index used to show our performance in our Annual Report on Form 10-K.</span></div> <div style="padding-left:13.5pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%">(5)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:115%;padding-left:3.74pt">Our company-selected measure, which is the measure we believe represents the most important financial performance not otherwise presented in the table above that we used to link Compensation Actually Paid to our NEOs for 2025 to our company’s performance, is our ratio of nonperforming assets to total assets, which we refer to as our “nonperforming assets ratio.” This measure is one of the four metrics used to determine annual bonus plan awards for each of the years presented. Further, all PRSUs granted in each of the years require a threshold nonperforming asset ratio in order to vest and settle into shares.</span></div> <div style="margin-top:10pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:35.303%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#3BB789;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:114%">Financial Performance Measure</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:114%">Nonperforming Assets Ratio</span></td></tr><tr><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:114%">Texas Ratio</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:114%">Return on Average Assets</span></div></td></tr><tr><td colspan="3" style="background-color:#D9D9D9;padding:2px 1pt 2px 10pt;text-align:left;text-indent:-9pt;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:114%">Net Interest Income</span></td></tr></table></div> Nonperforming Assets Ratio Texas Ratio Return on Average Assets Net Interest Income <div style="margin-top:10pt;text-align:center"><img alt="3116" id="i-7" src="inbk-20260327_g5.jpg" style="height:230px;margin-bottom:5pt;vertical-align:text-bottom;width:480px"/></div> <div style="margin-top:10pt;text-align:center"><img alt="3116" id="i-7" src="inbk-20260327_g5.jpg" style="height:230px;margin-bottom:5pt;vertical-align:text-bottom;width:480px"/></div> <div style="margin-top:10pt;text-align:center"><img alt="3169" id="i-8" src="inbk-20260327_g6.jpg" style="height:230px;margin-bottom:5pt;vertical-align:text-bottom;width:480px"/></div> <div style="margin-top:10pt;text-align:center"><img alt="3238" id="i-9" src="inbk-20260327_g7.jpg" style="height:230px;margin-bottom:5pt;vertical-align:text-bottom;width:480px"/></div>