German American Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
German American Bank is an FDIC-insured commercial bank. The bank posts a strong 1.81% ROA and 13.80% ROE. German American's Q2 2026 balance sheet shows $8.4B in assets funded primarily by $7.1B in customer deposits. Regulatory capital is solid, 13.31% CET1 and 14.24% total risk-based capital ratio. Asset quality is pristine, 0.45% NPLs and a 3.22% Texas Ratio. Its footprint covers 96 branches concentrated in Indiana.
As of June 30, 2026, German American Bank reported a CET1 capital ratio of 13.31%, a return on assets of 1.81%, a nonperforming-loan ratio of 0.45%, a Texas ratio of 3.22%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 711 Main St, Jasper, IN 47546
- County
- Dubois
- Metro Area
- Jasper, IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- November 10, 1910
- Former names
- German American Bancorp (2016-2018); The German American Bank (1973-2006)
- Offices
- 96 domestic
- Employees (FTE)
- 1,003
- Domestic deposits
- $7.06B
- Allowance for credit losses
- $79.4M
- Net charge-offs (YTD)
- $1.8M
- Average total assets
- $8.69B
- Average total loans
- $5.80B
- Average interest-bearing deposits
- $6.64B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 18, 1955
- FDIC Cert
- 17393
- Fed RSSD
- 37640
- SEC CIK
- 714395 → filed by GERMAN AMERICAN BANCORP, INC.
- Website
- www.germanamerican.com →
- Parent Holding Company
- GERMAN AMERICAN BANCORP, INC. (RSSD 1098620) · GABC
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full German American Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock German American Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
German American Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for German American Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.31% | 1.81% | 0.45% | 3.22% | 4.20% |
| Q1 2026 | 13.11% | 1.62% | 0.50% | 3.71% | 4.15% |
| Q4 2025 | 12.91% | 1.70% | 0.50% | 3.74% | 4.11% |
| Q3 2025 | 13.10% | 1.67% | 0.41% | 3.08% | 4.05% |
| Q2 2025 | 13.02% | 1.54% | 0.40% | 3.46% | 3.87% |
| Q1 2025 | 12.56% | 0.77% | 0.32% | 2.70% | 3.87% |
| Q4 2024 | 14.22% | 1.52% | 0.26% | 2.07% | 3.51% |
| Q3 2024 | 14.46% | 1.43% | 0.24% | 1.69% | 3.44% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 95 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| German American Bank (main office) | Jasper , IN | 47546 | $504.3M |
| Washington, State Road 57 Branch | Washington , IN | 47501 | $200.8M |
| Evansville Vogel Road Branch | Evansville , IN | 47715 | $194.4M |
| Madison Clifty Drive Branch | Madison , IN | 47250 | $192.9M |
| Gahanna Hamilton Rd Branch | Gahanna , OH | 43230 | $187.8M |
| Owensboro Downtown Branch | Owensboro , KY | 42301 | $187.6M |
| Columbus Cole Branch | Columbus , IN | 47201 | $169.7M |
| Vincennes 3rd Street Branch | Vincennes , IN | 47591 | $169.4M |
| Bloomington 9 North Branch | Bloomington , IN | 47404 | $168.0M |
| Shelbyville Midland Trail Branch | Shelbyville , KY | 40065 | $143.0M |
| Grove City Branch | Grove City , OH | 43123 | $139.6M |
| Petersburg Branch | Petersburg , IN | 47567 | $139.5M |
| Bloomington South Walnut Branch | Bloomington , IN | 47401 | $136.5M |
| Newburgh Bell Oaks Branch | Newburgh , IN | 47630 | $134.6M |
| OdonCannelburg Branch | Montgomery , IN | 47558 | $125.4M |
| Owenton Branch | Owenton , KY | 40359 | $124.5M |
| Sellersburg Branch | Sellersburg , IN | 47172 | $119.8M |
| Loogootee Branch | Loogootee , IN | 47553 | $119.4M |
| New Albany Branch | New Albany , IN | 47150 | $114.5M |
| Johnstown Branch | Johnstown , OH | 43031 | $102.4M |
| Ferdinand Branch | Ferdinand , IN | 47532 | $100.7M |
| Bowling Green Campbell Lane East Branch | Bowling Green , KY | 42104 | $100.2M |
| Tell City Northside Branch | Tell City , IN | 47586 | $99.4M |
| Evansville Downtown Branch | Evansville , IN | 47708 | $96.3M |
| Louisville Blankenbaker Branch | Louisville , KY | 40299 | $95.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2025 | Structure Change | Acquired Heartland Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2022 | Structure Change | Acquired Citizens Union Bank of Shelbyville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2019 | Structure Change | Acquired Citizens First Bank, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 15, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 15, 2018 | Structure Change | Acquired First Security Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2016 | Structure Change | Acquired River Valley Financial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2013 | Structure Change | Acquired United Commerce Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2011 | Structure Change | Acquired Bank of Evansville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2006 | Structure Change | Acquired Stone City Bank of Bedford, Indiana Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2000 | Structure Change | Acquired The Holland National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 1986 | Structure Change | Acquired Bank of Ireland Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 20 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for German American Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.9% of deposits in IN, rank 15 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 5,011 applications, 3,698 loans originated, $823.5M originated, across 16 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about German American Bank
What are German American Bank's total assets?
As of the Q2 2026 filing, German American Bank reported total assets of $8.43 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is German American Bank headquartered?
German American Bank is headquartered in Jasper, IN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was German American Bank founded?
German American Bank was established in 1910, per the FDIC institution directory.
Is German American Bank FDIC-insured?
Yes. German American Bank is an FDIC-insured commercial bank (FDIC Certificate #17393). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates German American Bank?
German American Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is German American Bank's CET1 capital ratio?
German American Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.31% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does German American Bank operate?
German American Bank operates 96 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is German American Bank's Texas Ratio?
German American Bank's Texas Ratio is 3.22% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was German American Bank previously called?
The charter now named German American Bank has also operated as German American Bancorp (2016-2018), The German American Bank (1973-2006), per FDIC structure-change records.
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