{"id":975231,"date":"2026-06-24T12:18:39","date_gmt":"2026-06-24T16:18:39","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/first-internet-bank-report-finds-small-businesses-maintaining-stability-by-managing-costs-as-consumers-grow-more-selective\/"},"modified":"2026-06-24T12:18:39","modified_gmt":"2026-06-24T16:18:39","slug":"first-internet-bank-report-finds-small-businesses-maintaining-stability-by-managing-costs-as-consumers-grow-more-selective","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/first-internet-bank-report-finds-small-businesses-maintaining-stability-by-managing-costs-as-consumers-grow-more-selective\/","title":{"rendered":"First Internet Bank Report Finds Small Businesses Maintaining Stability by Managing Costs as Consumers Grow More Selective"},"content":{"rendered":"<p>        <!--.bwalignc { text-align: center; list-style-position: inside }body {font:normal small Arial,Helvetica,sans-serif;color:#000;background-color:#fff;padding:24px;margin:0;} a img {border:0;} h3 {font-size:medium;color:#000;margin:0 0 1em 0; text-align:center;}-->  <\/p>\n<p class=\"bwalignc\"><b>First Internet Bank Report Finds Small Businesses Maintaining Stability by Managing Costs as Consumers Grow More Selective<\/b><\/p>\n<p>FISHERS, Ind.&#8211;(<a href=\"http:\/\/www.businesswire.com\">BUSINESS WIRE<\/a>)&#8211;<br \/>\nFirst Internet Bank today released its <i>Do More Business\u2122 Report<\/i>, a research study designed to better understand the economic outlook of small businesses and the consumers who support them. The report is based on insights from a survey of 200 small business owners and a nationally representative survey of 1,000 U.S. consumers.<\/p>\n<p>\nSmall businesses maintain stability in a constrained economic environment by actively managing rising costs through pricing adjustments and margin trade-offs. Consumers remain supportive but increasingly selective in their spending.<\/p>\n<p><b>Small Businesses Show Resilience<\/b><\/p>\n<p>\nOver three-quarters (76%) of small business owners report being well-positioned to absorb financial shocks such as rising costs, slower demand or delayed payments over the next 12 months. Cost pressures, however, remain the defining challenge. Forty-six percent of small business owners cite inflation and rising expenses as their top concern, outpacing worries about customer demand, cash flow volatility and regulatory change.<\/p>\n<p>\nIn response, businesses are actively managing those pressures. Approximately half have raised prices, while nearly a quarter (23%) absorb higher costs to maintain customer relationships and competitiveness.<\/p>\n<p>\nThis approach reflects measured confidence. Most businesses plan steady or moderate growth rather than aggressive expansion as they balance opportunity with ongoing economic uncertainty.<\/p>\n<p><b>Opportunity to Deepen Banking Partnerships<\/b><\/p>\n<p>\nMost small business owners (76%) report satisfaction with their bank\u2019s digital experience. Core capabilities such as mobile banking, real-time payments and fraud monitoring broadly meet expectations, indicating that foundational digital tools are largely in place for many businesses.<\/p>\n<p>\nThe greater opportunity lies in strategic guidance and financial education. As businesses navigate cost pressures and evolving demand, they make increasingly disciplined financial decisions and look for support beyond transactional banking. Greater clarity around available financing options and more proactive guidance can help businesses make more informed decisions and confidently pursue opportunities in a more uncertain environment.<\/p>\n<p><b>Consumers Remain Supportive, but Selective<\/b><\/p>\n<p>\nConsumer support for small businesses remains strong. Nearly all consumers (96%) say supporting local businesses matters to them personally. Most (83%) have shopped at a small business in the past month, and 37% shop at least weekly, with 68% indicating a willingness to pay a premium to do so.<\/p>\n<p>\nEven when small businesses raise prices due to factors outside their control, 78% of consumers say they are understanding. But at the same time, nearly one in five consumers report abandoning a purchase when their preferred payment method is not available, underscoring the importance of flexibility and convenience as spending decisions become more deliberate.<\/p>\n<p>\n\u201cThe confidence we\u2019re seeing from small businesses is encouraging, and it reflects real opportunity ahead,\u201d said Nicole Lorch, President and Chief Operating Officer of First Internet Bank. \u201cAt the same time, businesses must navigate a more complex environment, forced to balance cost pressures, customer expectations and growth decisions. Owners have told us they want faster access to capital, clearer guidance on financing options and digital tools that reflect how they actually run their businesses. That\u2019s the foundation for the kind of banking partnership that helps businesses succeed in today\u2019s environment.\u201d<\/p>\n<p>\nThe <i>Do More Business\u2122 Report<\/i> is available in the press &amp; news section at <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.firstib.com%2Fresources%2Fpress%2F&amp;esheet=54559616&amp;newsitemid=20260624732942&amp;lan=en-US&amp;anchor=firstib.com&amp;index=1&amp;md5=17105373010d0369daf81aeda1057831\">firstib.com<\/a>.<\/p>\n<p><b>About First Internet Bank<\/b><\/p>\n<p>\nFirst Internet Bank opened for business in 1999 as an industry pioneer in the branchless delivery of banking services. With assets of $5.7 billion as of March 31, 2026, the Bank provides consumer and small business deposits, consumer loans and specialty finance services nationally. The Bank also offers commercial real estate loans, commercial and industrial loans, SBA financing and treasury management services. Additional information about the Bank, including its products and services, is available at firstib.com. The Bank is a wholly-owned subsidiary of First Internet Bancorp (Nasdaq: INBK). First Internet Bank is a Member FDIC.<\/p>\n<p><b>Methodology<\/b><\/p>\n<p>\nFirst Internet Bank commissioned two independent surveys to better understand how small businesses and consumers are navigating today\u2019s economic environment and what they expect from their banking partners.<\/p>\n<p>\nThe small business survey was conducted by Centiment among 200 U.S. small business owners and entrepreneurs with annual revenue under $5 million. The research explored cash flow confidence, access to capital, familiarity with Small Business Administration (SBA) lending, adoption of digital banking tools, use of artificial intelligence and overall economic outlook. Respondents were sourced from Centiment\u2019s vetted U.S. business panel and pre-qualified to meet firmographic criteria.<\/p>\n<p>\nThe consumer survey was conducted by Dynata among a nationally representative sample of 1,000 U.S. adults. The survey examined attitudes toward supporting small businesses, shopping and payment preferences, expectations related to artificial intelligence and confidence in the U.S. economy. Participants were drawn from Dynata\u2019s proprietary, first-party panel of verified, opt-in respondents.<\/p>\n<p>\nBoth surveys were fielded in March 2026.<\/p>\n<p><img decoding=\"async\" alt=\"\" src=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260624732942r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\" style=\"width:0;height:0\" \/><span class=\"bwct31415\" \/><\/p>\n<p id=\"mmgallerylink\"><span id=\"mmgallerylink-phrase\">View source version on businesswire.com: <\/span><span id=\"mmgallerylink-link\"><a href=\"https:\/\/www.businesswire.com\/news\/home\/20260624732942\/en\/\" rel=\"nofollow\">https:\/\/www.businesswire.com\/news\/home\/20260624732942\/en\/<\/a><\/span><\/p>\n<p><b>Investor Relations:<br \/>\n<\/b><br \/>Paula Deemer<br \/>\n<br \/>Director of Corporate Administration<br \/>\n<br \/>(317) 428-4628<br \/>\n<br \/><a rel=\"nofollow\" href=\"mailto:investors@firstib.com\">investors@firstib.com<\/a><\/p>\n<p><b>Media:<br \/>\n<\/b><br \/>PANBlast for First Internet Bank<br \/>\n<br \/>Zach Weismiller<br \/>\n<br \/><a rel=\"nofollow\" href=\"mailto:firstib@panblastpr.com\">firstib@panblastpr.com<\/a><\/p>\n<p><b>KEYWORDS:<\/b> Indiana United States North America<\/p>\n<p><b>INDUSTRY KEYWORDS:<\/b> Commercial Building &amp; Real Estate Legal Construction &amp; Property Finance Banking REIT Professional Services Small Business Other Construction &amp; Property Other Professional Services<\/p>\n<p><b>MEDIA:<\/b><\/p>\n<table cellpadding=\"3\" cellspacing=\"3\">\n<tr>\n<td><font face=\"Arial\" size=\"2\"><b>Logo<\/b><\/font><\/td>\n<\/tr>\n<tr>\n<td><img decoding=\"async\" src=\"https:\/\/mms.businesswire.com\/media\/20260624732942\/en\/2838519\/3\/Logo_color_stacked.jpg\" alt=\"Logo\" \/><\/td>\n<\/tr>\n<tr>\n<td><font face=\"Arial\" size=\"2\"><\/font><\/td>\n<\/tr>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>First Internet Bank Report Finds Small Businesses Maintaining Stability by Managing Costs as Consumers Grow More Selective FISHERS, Ind.&#8211;(BUSINESS WIRE)&#8211; First Internet Bank today released its Do More Business\u2122 Report, a research study designed to better understand the economic outlook of small businesses and the consumers who support them. The report is based on insights from a survey of 200 small business owners and a nationally representative survey of 1,000 U.S. consumers. Small businesses maintain stability in a constrained economic environment by actively managing rising costs through pricing adjustments and margin trade-offs. Consumers remain supportive but increasingly selective in their spending. Small Businesses Show Resilience Over three-quarters (76%) of small business owners report being well-positioned to absorb financial shocks such &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.marketnewsdesk.com\/index.php\/first-internet-bank-report-finds-small-businesses-maintaining-stability-by-managing-costs-as-consumers-grow-more-selective\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;First Internet Bank Report Finds Small Businesses Maintaining Stability by Managing Costs as Consumers Grow More Selective&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-975231","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>First Internet Bank Report Finds Small Businesses Maintaining Stability by Managing Costs as Consumers Grow More Selective - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/first-internet-bank-report-finds-small-businesses-maintaining-stability-by-managing-costs-as-consumers-grow-more-selective\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"First Internet Bank Report Finds Small Businesses Maintaining Stability by Managing Costs as Consumers Grow More Selective - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"First Internet Bank Report Finds Small Businesses Maintaining Stability by Managing Costs as Consumers Grow More Selective FISHERS, Ind.&#8211;(BUSINESS WIRE)&#8211; First Internet Bank today released its Do More Business\u2122 Report, a research study designed to better understand the economic outlook of small businesses and the consumers who support them. The report is based on insights from a survey of 200 small business owners and a nationally representative survey of 1,000 U.S. consumers. Small businesses maintain stability in a constrained economic environment by actively managing rising costs through pricing adjustments and margin trade-offs. Consumers remain supportive but increasingly selective in their spending. Small Businesses Show Resilience Over three-quarters (76%) of small business owners report being well-positioned to absorb financial shocks such &hellip; Continue reading &quot;First Internet Bank Report Finds Small Businesses Maintaining Stability by Managing Costs as Consumers Grow More Selective&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.marketnewsdesk.com\/index.php\/first-internet-bank-report-finds-small-businesses-maintaining-stability-by-managing-costs-as-consumers-grow-more-selective\/\" \/>\n<meta property=\"og:site_name\" content=\"Market Newsdesk\" \/>\n<meta property=\"article:published_time\" content=\"2026-06-24T16:18:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260624732942r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\" \/>\n<meta name=\"author\" content=\"Newsdesk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Newsdesk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/first-internet-bank-report-finds-small-businesses-maintaining-stability-by-managing-costs-as-consumers-grow-more-selective\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/first-internet-bank-report-finds-small-businesses-maintaining-stability-by-managing-costs-as-consumers-grow-more-selective\\\/\"},\"author\":{\"name\":\"Newsdesk\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#\\\/schema\\\/person\\\/482f27a394d4fda80ecb5499e519d979\"},\"headline\":\"First Internet Bank Report Finds Small Businesses Maintaining Stability by Managing Costs as Consumers Grow More Selective\",\"datePublished\":\"2026-06-24T16:18:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/first-internet-bank-report-finds-small-businesses-maintaining-stability-by-managing-costs-as-consumers-grow-more-selective\\\/\"},\"wordCount\":866,\"image\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/first-internet-bank-report-finds-small-businesses-maintaining-stability-by-managing-costs-as-consumers-grow-more-selective\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cts.businesswire.com\\\/ct\\\/CT?id=bwnews&amp;sty=20260624732942r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/first-internet-bank-report-finds-small-businesses-maintaining-stability-by-managing-costs-as-consumers-grow-more-selective\\\/\",\"url\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/first-internet-bank-report-finds-small-businesses-maintaining-stability-by-managing-costs-as-consumers-grow-more-selective\\\/\",\"name\":\"First Internet Bank Report Finds Small Businesses Maintaining Stability by Managing Costs as Consumers Grow More Selective - 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The report is based on insights from a survey of 200 small business owners and a nationally representative survey of 1,000 U.S. consumers. Small businesses maintain stability in a constrained economic environment by actively managing rising costs through pricing adjustments and margin trade-offs. Consumers remain supportive but increasingly selective in their spending. Small Businesses Show Resilience Over three-quarters (76%) of small business owners report being well-positioned to absorb financial shocks such &hellip; Continue reading \"First Internet Bank Report Finds Small Businesses Maintaining Stability by Managing Costs as Consumers Grow More Selective\"","og_url":"https:\/\/www.marketnewsdesk.com\/index.php\/first-internet-bank-report-finds-small-businesses-maintaining-stability-by-managing-costs-as-consumers-grow-more-selective\/","og_site_name":"Market Newsdesk","article_published_time":"2026-06-24T16:18:39+00:00","og_image":[{"url":"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260624732942r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en","type":"","width":"","height":""}],"author":"Newsdesk","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Newsdesk","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/first-internet-bank-report-finds-small-businesses-maintaining-stability-by-managing-costs-as-consumers-grow-more-selective\/#article","isPartOf":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/first-internet-bank-report-finds-small-businesses-maintaining-stability-by-managing-costs-as-consumers-grow-more-selective\/"},"author":{"name":"Newsdesk","@id":"https:\/\/www.marketnewsdesk.com\/#\/schema\/person\/482f27a394d4fda80ecb5499e519d979"},"headline":"First Internet Bank Report Finds Small Businesses Maintaining Stability by Managing Costs as Consumers Grow More Selective","datePublished":"2026-06-24T16:18:39+00:00","mainEntityOfPage":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/first-internet-bank-report-finds-small-businesses-maintaining-stability-by-managing-costs-as-consumers-grow-more-selective\/"},"wordCount":866,"image":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/first-internet-bank-report-finds-small-businesses-maintaining-stability-by-managing-costs-as-consumers-grow-more-selective\/#primaryimage"},"thumbnailUrl":"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260624732942r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en","inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/first-internet-bank-report-finds-small-businesses-maintaining-stability-by-managing-costs-as-consumers-grow-more-selective\/","url":"https:\/\/www.marketnewsdesk.com\/index.php\/first-internet-bank-report-finds-small-businesses-maintaining-stability-by-managing-costs-as-consumers-grow-more-selective\/","name":"First Internet Bank Report Finds Small Businesses Maintaining Stability by Managing Costs as Consumers Grow More Selective - 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