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German American Bank
Jasper, IN·FDIC Cert #17393·Charter: STATE·Est. 19101110.0·HC: GERMAN AMERICAN BCORP INC
Total Assets
$8.4B
Q4 2025
Return on Assets
1.46%
+0.11%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
50.64%
Peer avg: 56.8%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.46%+0.11
ROE
11.71%+0.66
Efficiency
50.64%-0.98
Equity/Assets
0.00%+0.00
NPL Ratio
0.51%+0.09
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
82.37%+1.74
Charge-offs
0.05%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.3 | 1.4 | 1.4 | 1.5 | 0.7 | 1.2 | 1.3 | 1.5 |
| ROE | 12.9 | 13.3 | 13.3 | 13.7 | 6.4 | 9.8 | 11.1 | 11.7 |
| Efficiency | 57.5 | 44.4 | 46.9 | 47.9 | 57.1 | 53.3 | 51.6 | 50.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.2 | 0.2 | 0.3 | 0.3 | 0.4 | 0.4 | 0.5 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 74.2 | 74.1 | 75.2 | 75.3 | 77.6 | 80.7 | 80.6 | 82.4 |
Balance Sheet
Total Assets$8.4B
Total Deposits$7.0B
Total Loans$5.8B
Total Equity$1.1B
Profitability
ROA1.46%
ROE11.71%
Efficiency Ratio50.64%
Net Income$121.6M
Risk & Asset Quality
NPL Ratio0.51%
Charge-off Rate0.05%
Loan/Deposit82.37%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans