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German American Bank

Jasper, IN · Cert 17393 · German American Bcorp Inc.

State charter, non-member · FDIC · 95 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

64

Q2 2024Q2 2026peer median (50)

Asset Quality

51

Q2 2024Q2 2026peer median (50)

Profitability

75

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

78

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

German American Bank

Jasper, IN · Cert 17393 · German American Bcorp Inc.

State charter, non-member · FDIC · 95 branches

Q2 2026

$8.4BAssets
$5.9BLoans
$7.1BDeposits
$1.2BEquity
Loan mix
87%RE $4.9B12%C&I $0.7B1%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $5.1B28%Noninterest $2.0BQ2 2025Q2 2026

NIM

4.27%Q2 ’244.67%Q2 ’254.92%Q2 ’26+18%+13%

Non-interest income vs. expense

2.24%Q2 ’242.25%Q2 ’252.31%Q2 ’26+1207%-3%

Market Position · Columbus, OH · 2026 SOD (annual) · 1.0% share · #10 of 53 inst. · $1.3B of $124.6B

1.0% Franklin
42.4% Dubois
4.3% Vanderburgh
37.3% Daviess

Executive Summary

  • Earnings: ROA of 1.76%, up 50 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.45% of loans (+2 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 11.19%, up 68 bps from a year ago.
  • Funding: loans stand at 84.08% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.76%+50 bps YoY

Net Interest Margin (YTD, annualized)

3.89%+44 bps YoY

Efficiency Ratio (YTD, annualized)

48.48%-478 bps YoY

Tier 1 Leverage Ratio

11.19%+68 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.27%1.43%1.53%1.65%1.76%+50 bps
Return on Equity10.47%11.58%12.15%12.35%13.05%+258 bps
Net Interest Margin3.46%3.59%3.61%3.89%3.89%+44 bps
Efficiency Ratio53.26%51.62%50.64%50.25%48.48%-478 bps
Non-Interest Burden1.53%1.52%1.48%1.58%1.49%-4 bps
Growth
Asset Growth (YoY)33.08%34.23%33.20%-0.47%1.97%-3,111 bps
Loan Growth (YoY)41.97%42.21%42.34%3.74%3.21%-3,876 bps
Deposit Growth (YoY)30.06%32.26%29.88%-2.05%0.41%-2,965 bps
Asset Quality
Nonperforming Loans / Loans0.44%0.41%0.50%0.50%0.45%+2 bps
Net Charge-Offs / Loans0.05%0.05%0.05%0.08%0.06%+1 bps
Allowance / Loans1.31%1.31%1.32%1.34%1.34%+2 bps
Allowance Coverage of NPLs3.0x3.2x2.6x2.7x3.0x-0.1x
Capital
Tier 1 Leverage Ratio10.51%10.80%10.61%11.04%11.19%+68 bps
Total Risk-Based Capital13.93%14.00%13.80%14.03%14.24%+31 bps
Equity / Assets12.94%13.17%13.36%13.43%13.75%+81 bps
Liquidity & Funding
Loans / Deposits81.79%81.70%83.47%83.25%84.08%+229 bps
Liquid Assets / Assets1.21%1.70%0.55%0.57%0.16%-105 bps
CRE / Total Capitaln/a328%334%329%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

German American Bank

Jasper, IN · Cert 17393 · Peer group: banks $1B-$10B in assets (n=322-328) · German American Bcorp Inc.

State charter, non-member · FDIC · 95 branches

Q2 2026

$8.4BAssets
$5.9BLoans
$7.1BDeposits
$1.2BEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 88% of banks $1B-$10B in assets (rank 38 of 328).
  • Widest gap: net charge-offs / loans trails 55% of banks $1B-$10B in assets (rank 178 of 322).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.76%

Rank 46 of 328

Net Interest Margin

3.89%

Rank 74 of 328

Efficiency Ratio

50.93%

Rank 74 of 328

Equity / Assets

13.75%

Rank 38 of 328

Non-interest income vs. expense

$71.9M$200.9MINCOMEEXPENSE
Unfavorable gap of $129.1M · efficiency ratio beats 78% of banks $1B-$10B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.76%0.91%1.22%1.52%Beats 86%46 / 328
Return on Equity12.78%8.43%11.45%14.43%Beats 61%129 / 328
Net Interest Margin3.89%3.03%3.45%3.83%Beats 77%74 / 328
Efficiency Ratio50.93%51.61%59.56%67.53%Beats 78%74 / 328
Asset Quality
Nonperforming Loans / Loans0.45%0.24%0.51%1.03%Beats 57%140 / 322
Net Charge-Offs / Loans0.04%0.01%0.03%0.10%Beats 45%178 / 322
Capital
Tier 1 Capital Ratio13.31%11.75%13.15%15.47%Beats 54%152 / 328
Total Risk-Based Capital Ratio14.24%12.63%14.15%16.46%Beats 51%160 / 328
Equity / Assets13.75%9.15%10.33%12.01%Beats 88%38 / 328
Liquidity & Funding
Loans / Deposits84.08%76.63%87.92%95.36%41st pctl190 / 323
Loans / Assets70.47%65.18%74.15%79.98%39th pctl201 / 328
Brokered Deposits / Depositsn/aNot reported for this institution