German American Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks German American Bank of Jasper, IN against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.81% | 1.46% | +0.35% | 81st top |
| ROAE | 13.80% | 12.69% | +1.11% | 61st above |
| Net Interest Margin | 4.20% | 3.85% | +0.35% | 79th top |
| Efficiency Ratio | 46.20% | 57.44% | -11.24% | 84th top |
| PPNR / Avg Assets | 2.36% | 1.87% | +0.49% | 84th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.53% | 5.72% | -0.19% | 50th above |
| Cost of Funds | 1.21% | 2.02% | -0.81% | 90th top |
| Net Interest Spread | 3.52% | 3.18% | +0.34% | 77th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.45% | 1.00% | -0.55% | 62nd above |
| NPA / Total Assets | 0.32% | 0.76% | -0.44% | 63rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.43% | -0.38% | 43rd below |
| ACL / Total Loans | 1.34% | 1.31% | +0.03% | 74th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 295.70% | 565.26% | -269.56% | 69th above |
| Texas Ratio | 3.22% | 7.40% | -4.18% | 64th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 192.31% | 620.19% | -427.88% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.31% | 17.35% | -4.04% | 47th below |
| Tier 1 Ratio | 13.31% | 17.38% | -4.07% | 46th below |
| Total Capital Ratio | 14.24% | 18.43% | -4.19% | 44th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.19% | 11.44% | -0.25% | 64th above |
| Equity / Assets | 13.75% | 11.33% | +2.42% | 89th top |
| TCE / Tangible Assets | 9.40% | 10.50% | -1.10% | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.08% | 86.96% | -2.88% | 60th above |
| Core Deposit Ratio | 92.56% | 85.53% | +7.03% | 72nd above |
| Uninsured Deposit Ratio | 42.83% | 33.09% | +9.74% | 21st bottom |
| Wholesale Funding Ratio | 1.57% | 5.72% | -4.15% | 74th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.97% | 9.70% | -7.73% | 28th below |
| Loan Growth (Y/Y) | 3.21% | 8.07% | -4.86% | 36th below |
| Deposit Growth (Y/Y) | 0.41% | 7.90% | -7.49% | 21st bottom |
See German American Bank's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock German American Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full German American Bank profile, how to read a UBPR, or how this data updates.