# GERMAN AMERICAN BANK
JASPER, IN · FDIC certificate 17393 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $8.43B | |
| Deposits | $7.06B | |
| Loans and leases | $5.94B | |
| Total equity | $1.16B | |
| Loans / deposits | 82.95% (p40 of band) | 87.10% |
| Liquid assets / assets | 21.05% (p49 of band) | |
| Uninsured deposits / deposits | 42.83% (p79 of band) | 30.76% |
| Brokered deposits | 0.24% | |
| Wholesale funding | 1.81% (p28 of band) | |
| FHLB advances / assets | 1.19% | |
| Tier 1 leverage | 11.19% (p63 of band) | 10.50% |
| Unrealized securities loss / equity | -17.98% (p23 of band) | -7.75% |
| AOCI / equity | -0.02% (p72 of band) | |
| ROA (annualized) | 1.76% (p81 of band) | 1.26% |
| Net interest margin | 4.29% (p81 of band) | 3.70% |
| Efficiency ratio | 48.48% (p20 of band) | |
| Noncurrent loans | 0.45% (p45 of band) | 0.51% |
| Net charge-offs (annualized) | 0.04% (p61 of band) | |
| Reserve coverage of noncurrent | 295.66% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 43.63% (p46 of band) | |
| Auto loans | $24.2M (0.41% of loans; DQ 0.67%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 0.4% | |
| Employees | 1003 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 1 | capital falling | charge-offs p90 |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 3 |  | uninsured deposits leaving |
| 2023-09 | 2 |  | assets shrinking |
| 2023-12 | 1 |  | deposits shrinking |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | capital falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | securities losses >30% of equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-28 [German American Bank receives Bankers Cup - The Republic News](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPTHNIazZ0NnY4M0txSlkwZmwtaGg2MTlGS1kwQV9sYzJDbW1CYU1NSXR4V1BGbWE0OHpFR1NhU3F5bVZqSlJNUkFEcWpqUEZnV3IzNmVUUzlNYlA0MVVKWnNDWnFDQk5YRUVOWkJrb0cxejFsMlN4MUlKOUdBWXlzcFNkZ05za2Rq?oc=5) · The Republic News
- 2026-07-29 [German American Bank hits record profit in Q2 - Inside INdiana Business](https://news.google.com/rss/articles/CBMilwFBVV95cUxOT2llR2VmSEpfTmdsRmlqbjhoaGhsZHhPdzhSanVRWWlheXVnRTlxcmhITkJSbnA5SElqMmhHRW9iNDdhQTVzTWVHYXRTdEFnMzU5cjhXc0tXMXE4aXVHQmVyQmpBMC1SX3lQZUNFLXZaTkZnNXJQS0l5ZXA4TWUyNzNwTW1pSF9KT3RwVUZvX0JfREJjZmlv?oc=5) · Inside INdiana Business
- 2026-04-01 [Out of 223 U.S. community banks, German American placed 29th - stocktitan.net](https://news.google.com/rss/articles/CBMivgFBVV95cUxPbDNiZl83WkhjR0NhOTFNZXdWU3RScnRnSzFLVEpOX3M3T3IxVXc3VTNMdEhCaFpmbHY1bUdlc1JhVVo2djlGVEVHbTlrWC02eFZqNnI4ampaMDlkUko0QV9fWWdzYWlPQVMzbTlzU3ZiN1BWc090V3pQRFZnWTdkd2JCNWduUmVWUlg2SGhORExuSXA5T2hOMm1vSl9FbGNDVzhHeFhWakJEWGxaUnBTQ3ptVXo3bGl3Mlk4NFNR?oc=5) · stocktitan.net
- 2026-02-10 [German American Bank Receives Forbes Recognition as Top 10 in America’s Best Banks - Business Wire](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNRVIwNjdKbHh2TE5zM3NOclBhcUIxZ2xyVENjRE9hcGxZN0p5dUczbFpkZU82VWhvX2tlanBjNTUxWFZ6eEw4czMya2ttT25CdXdONC1sWEdaZTVrcy1hMXFZSTlBRXZhQWNyUHB2eDYzTTJsSlFJRzlfNDRZT25RNDNhWVdlWkhUZUtmU2RtblY3RlplS3gwMGR5VjdvM2FnU2dUTFJZbTJ2aUlYX2tLcHBnNGdYUV9MeVQ2RFZIY18yQmFYeDRtek1nbVA2cEJKY0lkNw?oc=5) · Business Wire
- 2025-12-22 [German American Bank recognized among America’s Best Regional Banks - The Lane Report](https://news.google.com/rss/articles/CBMirgFBVV95cUxPNG85Zk80YVNlSlJleEg2MXkwQ0JRQVFQUHMyZXYyUmR1ODNFc3VqbFFxd1o4ajJnNkxRY3FrUkowdVdjNnUycFZjNi1zQ0RjSlF0UUF2NjM5Q2k3MGh6Q1p2WVRTZmxZS0RRdEFaUnZ1S29palVZbDlmSHJOQUNLV0pYbFZwbWxoaEhyb0VJS2xIMlFwTE5sRzZMbTdWSzR1YjFKM29VaFRiSjJmWFE?oc=5) · The Lane Report
- 2026-01-03 [SLIDE SHOW: Bowling Green takes on ACS, Hopkins County Central in German American Bank Shootout - Bowling Green Daily News](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPeXJ3aDNhN1l3eXVoZnB5eE53cExxT0hOaW15Zm9WaGw1WU5vdE9XcVpzM3JVUzgzcHhOc096aVlTaUNnSFRiM1A2NHhvbHpYUkl5YzlkX1BIYXVxS2ZJdk9hZjRlaU15WkszMV92SHBZMzZoUzZ1QXlMTHZSVGpHY0xHaEQ3M3REMVdyejVkVnNxTmE4QWp6R2ZZR2hXb1Zybk54c2FZelAzNkRqVFllWGhEenFXMHduUFkyazYxTVBjX2x3aVJqZQ?oc=5) · Bowling Green Daily News
- 2026-08-29 [Deutsche Bank AG Makes New Investment in German American Bancorp, Inc. $GABC - MarketBeat](https://news.google.com/rss/articles/CBMizwFBVV95cUxQcGluZEJ0QUhLdkctcUNhRWt1WU05azFTTW1sNjNJekNvQkRiamZsVGNucUlMTGtkLVZObm43VmozUlZGZkdBWGRzdHFBWG92UDEtclM2dndLdnI3R1o5aW04Znl1VHJiRWZGLTJtR2xlcDJDZUtLRWF1TGR4WDdYRVJKZWo0ZDNJUzl6ZEhHd01WOUhLRUFndXVOY09uYktYTkQ1UVo4QTRpdFF6Y0dkaEZrSmlWNTdJN1hXWEMyLUowZml3UTJISlQ0ZTBEYVE?oc=5) · MarketBeat
- 2026-06-05 [Executive Insights: Experts weigh in on state of crypto, AI and what the business community needs most from banks right now - Louisville Business First - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxPcnNyVUV4dmtDNVZGVGdOVE5MdlhhNzVOeWFkd2lVMTJVWVhqU0tCX05vMXBsWDFBN2JSM0g0bk9wem03cEgtOU4xRUttbTR2Z3FGSHV4bWhnUGFqckl5REk0RTZJN25PMEttQ3BHdzBGYzJKeDd4MlNBOG1MX3p3c3YxRGpRNXdvVUpwRndQV2x5bjhEQ1RYWmw2d0dMd2oxTmt6TjRKWDJUaWpIaWlZ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17393 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/49.json (key "17393", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide