German American Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 62.2% lower than in Q1 2026, at $5.8M. Within Indiana, German American Bank is 43rd of 87 on loan-to-deposit ratio, 84.08% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. German American Bank sits 4.12 points lower, at 84.08% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $5.94B |
| Net loans and leases | $5.86B |
| Loans held for sale | $5.8M |
| Loans to total assets | 70.47% |
| Loan-to-deposit ratio | 84.08% |
| Net loans to equity capital | 5.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.13% |
| Multifamily (5+ residential) | 8.45% |
| Commercial and industrial | 11.23% |
| Consumer | 1.06% |
| Credit cards | 0.23% |
| Farm | 6.71% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.41% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 218.45% |
| Construction concentration (Tier 1 capital + allowance) | 50.19% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.38% |
| Interest income on loans | $92.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $3.89B | $5.18B | 32.13% | 13.65% | 1.74% |
| Q4 2023 | $3.98B | $5.32B | 31.95% | 13.10% | 1.68% |
| Q1 2024 | $3.98B | $5.30B | 33.49% | 12.50% | 1.72% |
| Q2 2024 | $4.05B | $5.41B | 32.82% | 13.07% | 1.47% |
| Q3 2024 | $4.07B | $5.36B | 32.93% | 13.14% | 1.52% |
| Q4 2024 | $4.13B | $5.43B | 33.42% | 12.69% | 1.48% |
| Q1 2025 | $5.65B | $7.19B | 34.53% | 11.74% | 1.26% |
| Q2 2025 | $5.75B | $7.03B | 34.08% | 11.68% | 1.23% |
| Q3 2025 | $5.79B | $7.08B | 34.07% | 11.60% | 1.19% |
| Q4 2025 | $5.88B | $7.05B | 34.21% | 11.87% | 1.15% |
| Q1 2026 | $5.86B | $7.05B | 33.92% | 11.57% | 1.09% |
| Q2 2026 | $5.94B | $7.06B | 34.13% | 11.23% | 1.06% |
German American Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock German American Bank, freeSource: Call Report Schedule RC-C, 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)