INBK · First Internet Bancorp

- Net income of $5.3 million, diluted EPS $0.60 - - Company to hold earnings call today at 5pm ET - First Internet Bancorp (the “Company”) (Nasdaq: INBK), the parent company of First Internet Bank (the “Bank”), announced today financial and operational results for the fourth quarter and fiscal year ended December 31, 2025. Key Business Updates Revenue Momentum : Strong growth in net interest income (up 29%) and fully-taxable equivalent (“FTE”) net interest margin (now 2.30%) drove adjusted quarterly revenue up 21% year-over-year to $42.1 million 1 . When combined with well-managed expenses, adjusted pre-provision net revenue grew 66% year-over-year. Credit Trends : The provision for credit losses for the fourth quarter of 2025 declined significantly following the large increase to the allowance for credit losses (“ACL”) related to small business lending in the third quarter of 2025 as well as lower net charge-offs. While ongoing proactive and prudent credit-related actions continued

Conference call and webcast to be held at 5:00 p.m. on Thursday, January 29 First Internet Bancorp (the “Company”) (Nasdaq: INBK), the parent company of First Internet Bank ( www.firstib.com ), announced today that it will host a conference call and webcast to review fourth quarter 2025 and full year financial results on Thursday, January 29 at 5:00 p.m. Eastern Time. The financial results are scheduled to be released after the market closes on Thursday, January 29. Conference Call and Webcast Information: Date and Time: Thursday, January 29, 5:00 p.m. Eastern Time Telephone Access: 1-800-549-8228 (U.S. toll free) 1-646-564-2877 (U.S. toll) 1-289-819-1520 (Toll) Conference ID: 39388 Telephone Replay: 1-888-660-6264 (U.S. toll free) 1-646-517-3975 (U.S. toll) Passcode: 39388 # The conference call replay will be available one hour after the live call has ended and available through February 5, 2026. Webcast and Presentation Slides: To access the webcast and view the presentation

First Internet Bank announced today that its Do More Business™ Checking has been named Best in Biz Award’s 2025 Silver winner for Small or Medium Business Product of the Year. This is the third year in a row that First Internet Bank has earned this distinction. With Do More Business Checking, business owners can earn interest, make unlimited transactions* and use Zelle® to send and accept payments**. Customers can also link all their personal and business accounts – even those at other financial institutions – for a comprehensive overview of their finances. Do More Business Checking provides greater day-to-day monetary control, including insight into spending trends by category, simplified budgeting and seamless funds transfer between accounts. “This honor underscores our drive to create products that truly deliver for our customers,” said Nicole Lorch, President and Chief Operating Officer for First Internet Bank. “From our founding in 1999 by a fintech entrepreneur through today as