German American Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.05 percentage points between Q1 2026 and Q2 2026, to 4.20%. Within Indiana, German American Bank is 17th of 87 on net interest margin, 4.20% as of Q2 2026, above the middle of the field. German American Bank reported 4.20% on net interest margin for Q2 2026, 0.49 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.53% |
| Yield on loans | 6.38% |
| Yield on securities | 2.99% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.21% |
| Cost of interest-bearing deposits | 1.98% |
| Cost of interest-bearing liabilities | 2.01% |
| Cost of borrowings | 3.17% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.20% |
| Yield to cost spread | 3.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $92.4M |
| Total interest expense | $26.3M |
| Interest expense on deposits | $25.3M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.64% | 1.26% | 3.48% | 5.74% | 2.41% |
| Q4 2023 | 4.67% | 1.22% | 3.30% | 5.74% | 2.45% |
| Q1 2024 | 4.76% | 1.34% | 3.26% | 5.85% | 2.42% |
| Q2 2024 | 4.85% | 1.46% | 3.23% | 5.92% | 2.42% |
| Q3 2024 | 5.08% | 1.48% | 3.44% | 6.06% | 2.74% |
| Q4 2024 | 5.08% | 1.43% | 3.51% | 6.09% | 2.78% |
| Q1 2025 | 5.43% | 1.46% | 3.87% | 6.38% | 2.84% |
| Q2 2025 | 5.47% | 1.45% | 3.87% | 6.37% | 2.87% |
| Q3 2025 | 5.61% | 1.40% | 4.05% | 6.50% | 2.91% |
| Q4 2025 | 5.58% | 1.32% | 4.11% | 6.48% | 2.94% |
| Q1 2026 | 5.50% | 1.21% | 4.15% | 6.31% | 2.94% |
| Q2 2026 | 5.53% | 1.21% | 4.20% | 6.38% | 2.99% |
German American Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock German American Bank, freeSource: Call Report Schedules RI and RC-K, 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)