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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Indiana, the state note

German American Bank

Jasper, Indiana · $8.43B in assets · beside the 9 other Indiana banks between $3B and $10B

The filing

13.7%
Equity / assets
1st of 10
0.45%
NPA / loans
3rd of 10
37.0%
CRE / loans
8th of 10

German American Bank is the second largest of the 10 Indiana banks between $3B and $10B, with $8.43B in assets at 30 June 2026. Loans are 84.1% of deposits, 5th of 10 against a median of 84.7%, and equity is 13.7% of assets, the highest in the cohort. Loans grew +3.2% in the year, 6th of 10, and deposits grew 0.4%; the cohort's median loan growth is +3.2%.

Noncurrent loans are 0.45% of the book, 3rd of 10 against a median of 0.55%; 0.22% is 30 to 89 days past due, and the allowance covers them 3.0 times. Commercial real estate is 37.0% of loans, 8th of 10 against a median of 34.7%, and 222% of capital, below the 300% screen, with construction at 51% against the 100% screen. CRE has grown +61.6% over 36 months, past the guidance's 50% prong.

Return on assets is 1.70%, 3rd of 10 against a median of 1.50%, on an efficiency ratio of 50.9%, 4th of 10. Five years ago it was 1.67%. The question is what the capital is for: the balance sheet carries less risk than it could.

Equity as a share of assetsIN banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 10.2% GA German American Bank 13.7% sS 1st Source Bank 13.6% HB Horizon Bank 12.3% FF First Financial Bank N.A. 10.7% LC Lake City Bank 10.4% UF United Fidelity Bank FSB 10.0% FF First Farmers Bank & Trust Co. 9.8% SF Star Financial Bank 9.2% FI First Internet Bank of Indiana 7.9% NB National Bank of Inpolis 7.8%
Loans, year over yearIN banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.2% NB National Bank of Inpolis +16.1% FF First Financial Bank N.A. +14.7% LC Lake City Bank +6.8% FF First Farmers Bank & Trust Co. +5.6% SF Star Financial Bank +3.2% GA German American Bank +3.2% sS 1st Source Bank +1.7% HB Horizon Bank -0.5% UF United Fidelity Bank FSB -3.3% FI First Internet Bank of Indiana -14.1%

SBA 7(a), FY2008 to FY2026

German American Bank is the 22nd largest 7(a) lender into Ohio of 361, with $124M across 445 loans, 0.8% of everything approved in the state (The Huntington National Bank leads with $5.20B). 58 of its 76 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Ohio, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Franklin, OH$89M3rd of 1664.1%-0.5 pts
Vanderburgh, IN$27M1st of 6511.8%-2.4 pts
Licking, OH$10M5th of 604.4%-2.5 pts
Warrick, IN$8M2nd of 3016.1%quiet FY2022
Delaware, OH$8M9th of 881.9%-2.9 pts
Monroe, IN$8M4th of 586.5%-5.2 pts
Jefferson, KY$7M23rd of 1230.8%-0.3 pts
Bartholomew, IN$7M6th of 485.7%quiet FY2022
Madison, KY$6M3rd of 419.4%quiet FY2019
Dubois, IN$6M2nd of 2419.8%+6.1 pts
Daviess, KY$5M5th of 387.1%+7.0 pts
Fairfield, OH$5M8th of 602.6%quiet FY2022
Daviess, IN$5M2nd of 1220.9%-12.8 pts
63 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services183$63M23.8%0.08%190th of 2,596
Manufacturing123$55M20.8%0.14%131st of 2,246
Retail trade112$25M9.4%0.04%285th of 2,589
Other services85$22M8.4%0.06%213th of 2,248
Health care & social assistance76$16M5.9%0.03%298th of 2,172
7(a) lenders into Ohio, share of approvals since FY2008361 lenders on record; the ten largest and German American Bank
TH The Huntington National Bank 34.6% $5.20B · 33,020 loans KN KeyBank National Association 4.7% $713M · 2,039 loans LO Live Oak Banking Company 4.1% $620M · 502 loans UB U.S. Bank, National Association 3.8% $570M · 2,992 loans FT Fifth Third Bank 2.8% $414M · 977 loans FF First Financial Bank 2.3% $349M · 970 loans FC First Commonwealth Bank 2.3% $346M · 539 loans JC JPMorgan Chase Bank, National Ass… 1.9% $285M · 1,869 loans UM United Midwest Savings Bank Natio… 1.8% $268M · 375 loans PB PNC Bank, National Association 1.6% $241M · 1,176 loans GA German American Bank 0.8% $124M · 445 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
German American BankRankCohort median
Total CRE against capital, the 300% screen222%5th of 10223%
Construction against capital, the 100% screen51%6th of 1049%
Construction and land development, share of loans8.5%6th of 108.3%
Non-owner-occupied nonfarm nonresidential, share of loans20.1%7th of 1016.7%
Total CRE, the guidance definition, share of loans37.0%8th of 1034.7%
CRE growth over 36 months, the third prong+61.6%9th of 10+37.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
1st Source Bank$9.26B2.0%46.5%0.99%0.12%2.3%97.2%13.6%
German American Bank$8.43B1.7%50.9%0.45%0.06%1.3%84.1%13.7%
Lake City Bank$7.24B1.6%45.8%0.36%0.08%1.3%88.0%10.4%
Horizon Bank$6.55B1.8%53.5%0.70%0.05%1.0%90.6%12.3%
United Fidelity Bank FSB$6.49B-0.1%128.2%0.49%0.01%2.4%61.1%10.0%
First Financial Bank N.A.$6.17B1.4%58.7%0.61%0.19%1.1%92.1%10.7%
First Internet Bank of Indiana$5.53B0.3%56.1%1.56%1.70%1.4%79.7%7.9%
First Farmers Bank & Trust Co.$3.50B1.6%46.9%1.00%-0.01%1.6%85.2%9.8%
Star Financial Bank$3.23B1.0%67.7%0.46%0.02%1.1%64.9%9.2%
National Bank of Inpolis$3.04B1.4%56.9%0.15%0.03%1.2%80.4%7.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
German American BankCohort median
20212026Change20212026Change
Loans$3.09B$5.94B+92%$2.72B$4.16B+53%
Deposits$4.53B$7.06B+56%$3.57B$5.16B+45%
NPA / loans0.56%0.45%-0.11 pts0.58%0.55%-0.03 pts
Efficiency55.3%50.9%-4.4 pts55.8%54.8%-1.0 pts
ROA1.67%1.70%+0.03 pts1.31%1.50%+0.18 pts

This read was prepared for German American Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on German American Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort IN banks $3B to $10B
Institution www.germanamerican.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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