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Regulatory Capital | 6 Months Ended
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Jun. 30, 2025
Banking and Thrift, Other Disclosure [Abstract] |
Regulatory Capital | As of June 30, 2025 and December 31, 2024, the Company exceeded all capital adequacy requirements to which it is subject. Actual capital amounts and ratios for the Company and its subsidiary Bank, as of June 30, 2025 and December 31, 2024 are presented in the following tables:
| Actual |  | Minimum Required for Capital Adequacy Purposes |  | For Capital Adequacy Purposes Plus Capital Conservation Buffer(1) |  | Minimum to Be Well Capitalized Under Prompt Corrective Action Requirements(2)
June 30, 2025 | Amount | Ratio |  | Amount | Ratio |  | Amount | Ratio |  | Amount | Ratio
Total risk-based capital: |  |  |  |  |  |  |  |  |  |  |
Consolidated | $ | 3,109.7 |  | 16.49 | % |  | $ | 1,508.4 |  | 8.00 | % |  | $ | 1,979.8 |  | 10.50 | % |  | $ | 1,885.5 |  | 10.00 | %
FIB | 2,725.4 |  | 14.49 |  |  | 1,504.4 |  | 8.00 |  |  | 1,974.5 |  | 10.50 |  |  | 1,880.5 |  | 10.00 |
Tier 1 risk-based capital: |  |  |  |  |  |  |  |  |  |  |
Consolidated | 2,532.0 |  | 13.43 |  |  | 1,131.3 |  | 6.00 |  |  | 1,602.7 |  | 8.50 |  |  | 1,508.4 |  | 8.00 |
FIB | 2,510.3 |  | 13.35 |  |  | 1,128.3 |  | 6.00 |  |  | 1,598.4 |  | 8.50 |  |  | 1,504.4 |  | 8.00 |
Common equity tier 1 risk-based capital: |  |  |  |  |  |  |  |  |  |  |
Consolidated | 2,532.0 |  | 13.43 |  |  | 848.5 |  | 4.50 |  |  | 1,319.8 |  | 7.00 |  |  | 1,225.6 |  | 6.50 |
FIB | 2,510.3 |  | 13.35 |  |  | 846.2 |  | 4.50 |  |  | 1,316.3 |  | 7.00 |  |  | 1,222.3 |  | 6.50 |
Leverage capital ratio: |  |  |  |  |  |  |  |  |  |  |
Consolidated | 2,532.0 |  | 9.37 |  |  | 1,080.9 |  | 4.00 |  |  | 1,080.9 |  | 4.00 |  |  | 1,351.1 |  | 5.00 |
FIB | 2,510.3 |  | 9.31 |  |  | 1,079.0 |  | 4.00 |  |  | 1,079.0 |  | 4.00 |  |  | 1,348.7 |  | 5.00 |
| Actual |  | Minimum Required for Capital Adequacy Purposes |  | For Capital Adequacy Purposes Plus Capital Conservation Buffer(1) |  | Minimum to Be Well Capitalized Under Prompt Corrective Action Requirements(2)
December 31, 2024 | Amount | Ratio |  | Amount | Ratio |  | Amount | Ratio |  | Amount | Ratio
Total risk-based capital: |  |  |  |  |  |  |  |  |  |  |
Consolidated | $ | 2,962.8 |  | 14.38 | % |  | $ | 1,647.8 |  | 8.00 | % |  | $ | 2,162.8 |  | 10.50 | % |  | $ | 2,059.8 |  | 10.00 | %
FIB | 2,691.5 |  | 13.10 |  |  | 1,644.1 |  | 8.00 |  |  | 2,157.9 |  | 10.50 |  |  | 2,055.2 |  | 10.00 |
Tier 1 risk-based capital: |  |  |  |  |  |  |  |  |  |  |
Consolidated | 2,504.0 |  | 12.16 |  |  | 1,235.9 |  | 6.00 |  |  | 1,750.8 |  | 8.50 |  |  | 1,647.8 |  | 8.00 |
FIB | 2,490.3 |  | 12.12 |  |  | 1,233.1 |  | 6.00 |  |  | 1,746.9 |  | 8.50 |  |  | 1,644.1 |  | 8.00 |
Common equity tier 1 risk-based capital: |  |  |  |  |  |  |  |  |  |  |
Consolidated | 2,504.0 |  | 12.16 |  |  | 926.9 |  | 4.50 |  |  | 1,441.8 |  | 7.00 |  |  | 1,338.8 |  | 6.50 |
FIB | 2,490.3 |  | 12.12 |  |  | 924.8 |  | 4.50 |  |  | 1,438.6 |  | 7.00 |  |  | 1,335.8 |  | 6.50 |
Leverage capital ratio: |  |  |  |  |  |  |  |  |  |  |
Consolidated | 2,504.0 |  | 8.71 |  |  | 1,149.4 |  | 4.00 |  |  | 1,149.4 |  | 4.00 |  |  | 1,436.8 |  | 5.00 |
FIB | 2,490.3 |  | 8.68 |  |  | 1,147.5 |  | 4.00 |  |  | 1,147.5 |  | 4.00 |  |  | 1,434.4 |  | 5.00 |
(1) The capital conservation buffer is an additional 2.5% of the amount necessary to meet the minimum risk-based capital requirements for total, tier 1, and common equity tier 1 risk-based capital. (2) The ratios to meet the requirements to be deemed “well-capitalized” are only applicable to FIB. However, the Company manages its capital position as if the requirements apply to the consolidated company and has presented the ratios as if they also applied on a consolidated basis.

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- Definition The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1D -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1D Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1A -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1A Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1F -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1F + Details
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