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
Unfavorable gap of $129.1M · efficiency ratio beats 78% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.76% | 0.91% | 1.22% | 1.52% | Beats 86% | 46 / 328 | |
| Return on Equity | 12.78% | 8.43% | 11.45% | 14.43% | Beats 61% | 129 / 328 | |
| Net Interest Margin | 3.89% | 3.03% | 3.45% | 3.83% | Beats 77% | 74 / 328 | |
| Efficiency Ratio | 50.93% | 51.61% | 59.56% | 67.53% | Beats 78% | 74 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.45% | 0.24% | 0.51% | 1.03% | Beats 57% | 140 / 322 | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.03% | 0.10% | Beats 45% | 178 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 13.31% | 11.75% | 13.15% | 15.47% | Beats 54% | 152 / 328 | |
| Total Risk-Based Capital Ratio | 14.24% | 12.63% | 14.15% | 16.46% | Beats 51% | 160 / 328 | |
| Equity / Assets | 13.75% | 9.15% | 10.33% | 12.01% | Beats 88% | 38 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 84.08% | 76.63% | 87.92% | 95.36% | 41st pctl | 190 / 323 | |
| Loans / Assets | 70.47% | 65.18% | 74.15% | 79.98% | 39th pctl | 201 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |