German American Bank
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Data as of · sourced from FFIEC call reports. How we update
German American Bank is an FDIC-insured commercial bank headquartered in Jasper, IN, established in 1910 (FDIC certificate 17393), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $8.43B, up 2.0% from Q2 2025, the 6th largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 13.31% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17393
- Headquarters
- Jasper, IN
- Established
- 1910
- Total assets, Q2 2026
- $8.43B
- Assets vs Q2 2025
- +2.0%
- CET1 ratio, Q2 2026
- 13.31%
- Domestic offices
- 96 FDIC institution directory, current count
- Routing number
- 083904563
- Latest call report
- Q2 2026, FFIEC 041 · German American Bank call report
- Holding company
- GERMAN AMERICAN BANCORP, INC.
- Asset rank in state
- 6th of 87 in Indiana
German American Bank, based in Jasper, Indiana, reported $8.4 billion in assets at June 30, 2026, up 2.0% from a year earlier. It pays an average of 1.21% on its deposits and borrowings, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also spends about 46 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 58 cents).
Net income for the quarter rose 18% from a year earlier, to $39 million. The commercial and industrial book ($667 million) is worsening: 2.03% of it is past due or on nonaccrual, up from 1.31% a year earlier.
As of June 30, 2026, German American Bank reported a CET1 capital ratio of 13.31%, a return on assets of 1.81%, a nonperforming-loan ratio of 0.45% and a Texas ratio of 2.81%. The figures come from its call report filed with the FFIEC.
Of the 87 banks headquartered in Indiana, German American Bank is the 6th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.7% to $8.43B, loans rose 1.2% and deposits rose 0.2%. 1-4 family residential loans made up 26.5% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 20.1%. Its 95 offices in the FDIC Summary of Deposits are in 61 cities across 3 states; its Jasper 3 offices book 8% of its branch deposits. By the capital ratios in its Q2 2026 call report, German American Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 711 Main St, Jasper, IN 47546
- County
- Dubois
- Metro Area
- Jasper, IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- November 10, 1910
- Former names
- German American Bancorp (2016-2018); The German American Bank (1973-2006)
- Domestic offices
- 96 FDIC institution directory, current count
- Employees (FTE)
- 1,003
- Domestic deposits
- $7.06B
- Allowance for credit losses
- $79.4M
- Net charge-offs (YTD)
- $1.8M
- Average total assets
- $8.69B
- Average total loans
- $5.80B
- Average interest-bearing deposits
- $6.64B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 18, 1955
- FDIC Cert
- 17393
- Fed RSSD
- 37640
- SEC CIK
- 714395 → filed by GERMAN AMERICAN BANCORP, INC.
- Website
- www.germanamerican.com →
- Parent Holding Company
- GERMAN AMERICAN BANCORP, INC. (RSSD 1098620) · GABC
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, German American Bank's total assets ranged from $5.99B (Q3 2023) to $8.43B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$8.43B total assets against $8.26B; $7.27B total liabilities against $7.19B.
$5.86B net loans and leases against $5.68B; $7.06B total deposits against $7.03B.
$1.68B securities against $1.57B; $93.4M cash and balances due against $199.8M.
$108.2M total interest income against $106.4M; $26.3M total interest expense against $31.6M.
$81.8M net interest income against $74.8M.
$18.7M total noninterest income against $16.7M; $49.4M total noninterest expense against $48.4M.
$1.3M provision for credit losses against $1.3M.
$39.4M net income against $33.3M.
1.81% return on assets against 1.54%; 4.20% net interest margin against 3.87%.
13.31% CET1 capital ratio against 13.02%; 11.19% tier 1 leverage ratio against 10.51%.
Inside the full German American Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
German American Bank rankings
Its closest position to the top of a national ranking is 188 of 4,196, for total assets; its furthest is 1,309 of 2,134, for CET1 ratio.
Metric pages for German American Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.77% (Q1 2025) to 1.81% (Q2 2026) and its net interest margin ran from 3.44% (Q3 2024) to 4.20% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.31% | 1.81% | 0.45% | 2.81% | 4.20% |
| Q1 2026 | 13.11% | 1.62% | 0.50% | 3.11% | 4.15% |
| Q4 2025 | 12.91% | 1.70% | 0.50% | 3.40% | 4.11% |
| Q3 2025 | 13.10% | 1.67% | 0.41% | 2.71% | 4.05% |
| Q2 2025 | 13.02% | 1.54% | 0.44% | 3.05% | 3.87% |
| Q1 2025 | 12.56% | 0.77% | 0.33% | 2.26% | 3.87% |
| Q4 2024 | 14.22% | 1.52% | 0.27% | 1.59% | 3.51% |
| Q3 2024 | 14.46% | 1.43% | 0.24% | 1.58% | 3.44% |
Swipe the table sideways to see every column.
Branch Network
View all 95 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| German American Bank (main office) | Jasper , IN | 47546 | $504.3M |
| Washington, State Road 57 Branch | Washington , IN | 47501 | $200.8M |
| Evansville Vogel Road Branch | Evansville , IN | 47715 | $194.4M |
| Madison Clifty Drive Branch | Madison , IN | 47250 | $192.9M |
| Gahanna Hamilton Rd Branch | Gahanna , OH | 43230 | $187.8M |
| Owensboro Downtown Branch | Owensboro , KY | 42301 | $187.6M |
| Columbus Cole Branch | Columbus , IN | 47201 | $169.7M |
| Vincennes 3rd Street Branch | Vincennes , IN | 47591 | $169.4M |
| Bloomington 9 North Branch | Bloomington , IN | 47404 | $168.0M |
| Shelbyville Midland Trail Branch | Shelbyville , KY | 40065 | $143.0M |
| Grove City Branch | Grove City , OH | 43123 | $139.6M |
| Petersburg Branch | Petersburg , IN | 47567 | $139.5M |
| Bloomington South Walnut Branch | Bloomington , IN | 47401 | $136.5M |
| Newburgh Bell Oaks Branch | Newburgh , IN | 47630 | $134.6M |
| OdonCannelburg Branch | Montgomery , IN | 47558 | $125.4M |
| Owenton Branch | Owenton , KY | 40359 | $124.5M |
| Sellersburg Branch | Sellersburg , IN | 47172 | $119.8M |
| Loogootee Branch | Loogootee , IN | 47553 | $119.4M |
| New Albany Branch | New Albany , IN | 47150 | $114.5M |
| Johnstown Branch | Johnstown , OH | 43031 | $102.4M |
| Ferdinand Branch | Ferdinand , IN | 47532 | $100.7M |
| Bowling Green Campbell Lane East Branch | Bowling Green , KY | 42104 | $100.2M |
| Tell City Northside Branch | Tell City , IN | 47586 | $99.4M |
| Evansville Downtown Branch | Evansville , IN | 47708 | $96.3M |
| Louisville Blankenbaker Branch | Louisville , KY | 40299 | $95.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2025 | Structure Change | Acquired Heartland Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2022 | Structure Change | Acquired Citizens Union Bank of Shelbyville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2019 | Structure Change | Acquired Citizens First Bank, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 15, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 15, 2018 | Structure Change | Acquired First Security Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2016 | Structure Change | Acquired River Valley Financial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2013 | Structure Change | Acquired United Commerce Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2011 | Structure Change | Acquired Bank of Evansville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2006 | Structure Change | Acquired Stone City Bank of Bedford, Indiana Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2000 | Structure Change | Acquired The Holland National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 1986 | Structure Change | Acquired Bank of Ireland Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 20 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.9% of deposits in IN, rank 15 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 5,011 applications, 3,698 loans originated, $823.5M originated, across 16 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 9 loans, $8.1M approved, $900K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about German American Bank
What are German American Bank's total assets?
As of the Q2 2026 filing, German American Bank reported total assets of $8.43 billion in its FFIEC call report.
Where is German American Bank headquartered?
It is headquartered in Jasper, IN, United States.
When was German American Bank founded?
It was established in 1910, per the FDIC institution directory.
Is German American Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17393). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates German American Bank?
German American Bank's primary federal regulator is the FDIC.
What is German American Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.31% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does German American Bank operate?
It operates 96 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is German American Bank's Texas Ratio?
Its Texas Ratio is 2.81% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was German American Bank previously called?
The charter now named German American Bank has also operated as German American Bancorp (2016-2018), The German American Bank (1973-2006), per FDIC structure-change records.
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