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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.42% | 1.47% | 0.82% | 1.27% | 1.43% | 1.53% | 1.65% | 1.76% | +50 bps | |
| Return on Equity | 13.26% | 13.69% | 7.09% | 10.47% | 11.58% | 12.15% | 12.35% | 13.05% | +258 bps | |
| Net Interest Margin | 3.04% | 3.05% | 3.64% | 3.46% | 3.59% | 3.61% | 3.89% | 3.89% | +44 bps | |
| Efficiency Ratio | 46.90% | 47.91% | 57.11% | 53.26% | 51.62% | 50.64% | 50.25% | 48.48% | -478 bps | |
| Non-Interest Burden | 0.51% | 0.68% | 1.76% | 1.53% | 1.52% | 1.48% | 1.58% | 1.49% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.26% | 2.35% | 37.76% | 33.08% | 34.23% | 33.20% | -0.47% | 1.97% | -3,111 bps | |
| Loan Growth (YoY) | 4.51% | 3.94% | 41.96% | 41.97% | 42.21% | 42.34% | 3.74% | 3.21% | -3,876 bps | |
| Deposit Growth (YoY) | 3.32% | 1.97% | 35.59% | 30.06% | 32.26% | 29.88% | -2.05% | 0.41% | -2,965 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.24% | 0.27% | 0.33% | 0.44% | 0.41% | 0.50% | 0.50% | 0.45% | +2 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.05% | 0.03% | 0.05% | 0.05% | 0.05% | 0.08% | 0.06% | +1 bps | |
| Allowance / Loans | 1.08% | 1.08% | 1.33% | 1.31% | 1.31% | 1.32% | 1.34% | 1.34% | +2 bps | |
| Allowance Coverage of NPLs | 4.5x | 4.0x | 4.0x | 3.0x | 3.2x | 2.6x | 2.7x | 3.0x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.29% | 11.12% | 11.16% | 10.51% | 10.80% | 10.61% | 11.04% | 11.19% | +68 bps | |
| Total Risk-Based Capital | 15.28% | 15.02% | 13.47% | 13.93% | 14.00% | 13.80% | 14.03% | 14.24% | +31 bps | |
| Equity / Assets | 11.44% | 10.73% | 12.28% | 12.94% | 13.17% | 13.36% | 13.43% | 13.75% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.98% | 76.16% | 78.60% | 81.79% | 81.70% | 83.47% | 83.25% | 84.08% | +229 bps | |
| Liquid Assets / Assets | 1.89% | 1.90% | 4.32% | 1.21% | 1.70% | 0.55% | 0.57% | 0.16% | -105 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 328% | 334% | 329% | n/a | n/a | |