Jasper, IN · Cert 17393 · German American Bcorp Inc.
State charter, non-member · FDIC · 95 branches
Q2 2026
Market Position · Columbus, OH · 2026 SOD (annual) · 1.0% share · #10 of 53 inst. · $1.3B of $124.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.60% | 1.72% | 1.78% | 1.65% | 1.88% | +28 bps | |
| Return on Equity | 12.68% | 13.20% | 13.39% | 12.35% | 13.80% | +112 bps | |
| Net Interest Margin | 3.62% | 3.79% | 3.84% | 3.89% | 3.95% | +33 bps | |
| Efficiency Ratio | 49.77% | 48.61% | 47.94% | 50.25% | 46.78% | -299 bps | |
| Non-Interest Burden | 1.46% | 1.47% | 1.46% | 1.58% | 1.41% | -5 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 / Loans | 0.44% | 0.41% | 0.50% | 0.50% | 0.45% | +2 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.05% | 0.04% | 0.08% | 0.05% | -1 bps | |
| Allowance / Loans | 1.31% | 1.31% | 1.32% | 1.34% | 1.34% | +2 bps | |
| Allowance Coverage of NPLs | 3.0x | 3.2x | 2.6x | 2.7x | 3.0x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.51% | 10.80% | 10.61% | 11.04% | 11.19% | +68 bps | |
| Total Risk-Based Capital | 13.93% | 14.00% | 13.80% | 14.03% | 14.24% | +31 bps | |
| Equity / Assets | 12.94% | 13.17% | 13.36% | 13.43% | 13.75% | +81 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.79% | 81.70% | 83.47% | 83.25% | 84.08% | +229 bps | |
| Liquid Assets / Assets | 1.21% | 1.70% | 0.55% | 0.57% | 0.16% | -105 bps | |
| CRE / Total Capital | n/a | 328% | 334% | 329% | n/a | n/a | |