German American Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions dropped 24.2% in Q2 2026, from $123.3M to $93.4M. It was the largest change from Q1 2026 among the key lines here. German American Bank ranks 43rd of 87 Indiana banks on loan-to-deposit ratio, in the upper half at 84.08% (Q2 2026). German American Bank reported 84.08% on loan-to-deposit ratio for Q2 2026, 4.12 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $93.4M |
| Cash and noninterest-bearing balances to assets | 1.11% |
| Cash and securities | $1.77B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $30.1M |
| Other borrowed money | $102.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.21% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.08% |
| Net loans and leases to deposits | 82.95% |
| Loans and leases to core deposits | 90.55% |
| Core deposits to total deposits | 92.56% |
| Brokered deposits to total deposits | 0.29% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 75.11% | 95.43% | $41.3M | $169.7M |
| Q4 2023 | 74.72% | 95.05% | $41.0M | $77.6M |
| Q1 2024 | 75.07% | 95.14% | $38.8M | $77.6M |
| Q2 2024 | 74.93% | 95.00% | $38.5M | $52.5M |
| Q3 2024 | 75.98% | 94.45% | $51.0M | $77.5M |
| Q4 2024 | 76.16% | 93.64% | $56.9M | $77.4M |
| Q1 2025 | 78.60% | 92.78% | $38.3M | $77.3M |
| Q2 2025 | 81.79% | 93.40% | $23.3M | $77.3M |
| Q3 2025 | 81.70% | 93.08% | $32.5M | $102.2M |
| Q4 2025 | 83.47% | 93.89% | $43.9M | $102.1M |
| Q1 2026 | 83.25% | 93.51% | $30.4M | $102.1M |
| Q2 2026 | 84.08% | 92.56% | $30.1M | $102.0M |
German American Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock German American Bank, freeSource: Call Report Schedules RC and RC-M, 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)