German American Bank
German American Bank reported total assets of $8.4 bn at Q2 2026, up 2.0% on a year earlier, the 190th largest of 497 banks in our US coverage. The CET1 capital ratio at German American Bank was 13.31%, and the uninsured share of German American Bank was 42.83%. Source: FDIC Call Reports.
Key takeaways
- Since , German American Bank has taken over 4 institutions; the latest was Heartland Bank on (FDIC Call Reports).
- On return on equity (ROE), German American Bank climbed from 305th to 209th among 500 US banks between and (1 = highest; FDIC Call Reports).
What sets German American Bank apart
How large is German American Bank?
The balance sheet of German American Bank at : assets $8.4 bn, deposits $7.1 bn, net loans $5.9 bn (loans equal to 82.95% of deposits). Securities make up 19.9% of total assets at German American Bank. Since , when German American Bank held $2.9 bn, its assets grew 194.7%. In the year to , deposits at German American Bank rose 0.4% while its total assets rose 2.0%. At , German American Bank employed 1,003 full-time equivalent staff across 96 offices, about $8.4 mn of assets per employee and $73.6 mn of deposits per office.
How much funding at German American Bank is uninsured?
At German American Bank, uninsured deposits (above the FDIC limit) made up 42.83% of domestic deposits at (+1.43 pp on a year earlier); German American Bank ranks 159th of 500 on this measure. In dollars, German American Bank estimated $3.0 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $7.1 bn | +0.4% | 184th of 499 |
| Net loans and leases | $5.9 bn | +3.2% | 186th of 500 |
| Loan-to-deposit ratio | 82.95% | +2.24 pp | 303rd of 500 |
| Tier 1 leverage ratio | 11.19% | +0.68 pp | 156th of 500 |
| Total risk-based capital ratio | 14.24% | +0.31 pp | 226th of 448 |
| Net interest margin | 4.29% | +0.46 pp | 87th of 500 |
| Return on assets (ROA) | 1.76% | +0.60 pp | 87th of 500 |
| Efficiency ratio | 48.48% | -4.78 pp | 120th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $208.2 mn | Narrowed by $53.6 mn | |
| Noncurrent loans to total loans | 0.45% | +0.02 pp | 171st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.06% | +0.01 pp | 216th of 500 (1 = lowest) |
US rank of German American Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
German American Bank: assets, deposits and loans
- Total assets $8.4bn
- Deposits $7.1bn
- Net loans $5.9bn
Capital and securities
The CET1 ratio of German American Bank stood at 13.31% in , +0.29 pp year on year. Low and high at German American Bank since : 11.08% () to 14.46% (). Equity capital of German American Bank at : $1.2 bn, or 13.7% of total assets. German American Bank also reported a total capital ratio of 14.24% for , and a tier 1 leverage ratio of 11.19%.
The available-for-sale portfolio of German American Bank showed an unrealized loss of $208.2 mn at ; the loss narrowed by $53.6 mn over the year.
German American Bank: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 11%
German American Bank: unrealized securities gains and losses
- Available for sale -$208mn
- Held to maturity $0
Profitability and loan quality
For the year to , German American Bank earned a return on equity of 13.05%; return on assets: 1.76%. Net interest margin at German American Bank: 4.29%, +0.46 pp in a year. German American Bank net income: $74.0 mn, up 52.7% year on year. The efficiency ratio of German American Bank was 48.48%: about 48 cents cost per revenue dollar, against 65 cents at the median peer.
At , noncurrent loans were 0.45% of total loans at German American Bank; net charge-offs: 0.06% of average loans. Gross loans and leases at German American Bank: $5.9 bn, up 3.2% in a year.
German American Bank: profitability
- Return on equity 13%
- Net interest margin 4.3%
- Return on assets 1.8%
Peer group of German American Bank
The peer group of German American Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of German American Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Indiana. Against them, German American Bank shows CET1 ratio 13.31% against a peer median of 13.09%, return on equity 13.05% against a peer median of 9.55% and uninsured deposit share 42.83% against a peer median of 31.09%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| First Security Bank | State member bank | AR | $8.6 bn | 20.73% | 13.27% | 44.27% | |
| Cross River Bank | State nonmember bank | NJ | $8.5 bn | not reported | 0.99% | 33.35% | |
| Forbright Bank | State nonmember bank | MD | $8.5 bn | not reported | 5.25% | 13.95% | |
| German American Bank | State nonmember bank | IN | $8.4 bn | 13.31% | 13.05% | 42.83% | |
| Heritage Bank | State nonmember bank | WA | $8.4 bn | 12.34% | 7.88% | 39.09% | |
| CNB Bank | State member bank | PA | $8.4 bn | 13.09% | 12.34% | 28.83% | |
| BankPlus | State member bank | MS | $8.4 bn | not reported | 11.23% | 18.52% | |
. FDIC Call Reports.
Last eight quarters
Two years at German American Bank, to : assets +34.9%, deposits +31.8%, equity +62.0%. Staff 780 to 1,003; offices 74 to 96.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $6.2 bn | $6.3 bn | $8.4 bn | $8.3 bn | $8.4 bn | $8.4 bn | $8.4 bn | $8.4 bn |
| Total deposits | $5.4 bn | $5.4 bn | $7.2 bn | $7.0 bn | $7.1 bn | $7.0 bn | $7.0 bn | $7.1 bn |
| Bank equity capital | $715.1 mn | $674.9 mn | $1.0 bn | $1.1 bn | $1.1 bn | $1.1 bn | $1.1 bn | $1.2 bn |
| CET1 ratio | 14.46% | 14.22% | 12.56% | 13.02% | 13.10% | 12.91% | 13.11% | 13.31% |
| Return on equity (ROE) | 13.26% | 13.69% | 6.39% | 9.81% | 11.05% | 11.71% | 12.35% | 13.05% |
| Uninsured share of domestic deposits | 42.71% | 44.54% | 40.61% | 41.41% | 41.97% | 42.25% | 41.66% | 42.83% |
| Full-time equivalent employees | 780 | 760 | 1,026 | 993 | 965 | 982 | 979 | 1,003 |
| Number of offices | 74 | 74 | 93 | 93 | 93 | 93 | 96 | 96 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of German American Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed River Valley Financial Bank (FDIC certificate 14714).
- . Absorbed First Security Bank (FDIC certificate 34524).
- . Absorbed Citizens First Bank, Inc. (FDIC certificate 35022).
- . Absorbed Citizens Union Bank of Shelbyville (FDIC certificate 5840).
- . Absorbed Heartland Bank (FDIC certificate 9443).
Large one-quarter moves at German American Bank
- Total assets at German American Bank changed by +33.7% in the quarter to 2025-03-31: Affiliated Institution Merger (Pooling) (i.e. Corporate Reorganization; Participated in Absorbtion/Consolidation/Merger: acquired from Heartland Bank.
Questions and identifiers
What were the total assets of German American Bank?
German American Bank reported $8.4 bn at in its Call Report. That makes German American Bank the 190th largest of 497 banks in our US coverage.
Is German American Bank the same as its holding company?
No. This page covers German American Bank, FDIC certificate 17393; GERMAN AMERICAN BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is German American Bank profitable?
German American Bank reported net income of $74.0 mn for the year to ; annualized return on equity: 13.05%. So yes: German American Bank made a profit over these months.
When is data for German American Bank next updated?
Figures from German American Bank for are due after .
Where can I check the figures for German American Bank?
In the FDIC BankFind Suite record for certificate 17393, and in the Call Reports of German American Bank (RSSD ID 37640) at the FFIEC Central Data Repository.