German American Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings rose 6.4% from Q1 2026 to Q2 2026, ending at $407.7M against $383.3M. It was the largest change among the key lines on this page. Within Indiana, German American Bank is 24th of 50 on CET1 ratio, 13.31% as of Q2 2026, above the middle of the field. At 13.31%, German American Bank's CET1 ratio is close to the 13.48% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.31% |
| Tier 1 risk-based capital ratio | 13.31% |
| Total risk-based capital ratio | 14.24% |
| Tier 1 leverage ratio | 11.19% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $927.5M |
| Tier 1 capital | $927.5M |
| Total risk-based capital | $992.4M |
| Total equity capital | $1.16B |
| Risk-weighted assets | $6.97B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.75% |
| Tangible equity to tangible assets | 9.40% |
| Equity capital to average assets | 13.34% |
| Internal capital growth rate | 8.68% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $6.7M |
| Common stock surplus | $908.8M |
| Retained earnings | $407.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$164.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.09% | 14.09% | 14.83% | 11.26% | $4.90B |
| Q4 2023 | 14.04% | 14.04% | 14.76% | 11.03% | $4.91B |
| Q1 2024 | 13.73% | 13.73% | 14.53% | 11.02% | $4.97B |
| Q2 2024 | 13.72% | 13.72% | 14.52% | 10.78% | $5.00B |
| Q3 2024 | 14.46% | 14.46% | 15.28% | 11.29% | $4.91B |
| Q4 2024 | 14.22% | 14.22% | 15.02% | 11.12% | $5.03B |
| Q1 2025 | 12.56% | 12.56% | 13.47% | 11.16% | $6.65B |
| Q2 2025 | 13.02% | 13.02% | 13.93% | 10.51% | $6.68B |
| Q3 2025 | 13.10% | 13.10% | 14.00% | 10.80% | $6.76B |
| Q4 2025 | 12.91% | 12.91% | 13.80% | 10.61% | $6.85B |
| Q1 2026 | 13.11% | 13.11% | 14.03% | 11.04% | $6.87B |
| Q2 2026 | 13.31% | 13.31% | 14.24% | 11.19% | $6.97B |
German American Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock German American Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full German American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17393) · FFIEC NIC profile (RSSD 37640)