TellerScore

German American Bank (FDIC certificate #17393) is based in Jasper, Indiana. Its Q2 2026 call report shows $8.4B in total assets and $7.1B in deposits and 96 offices across 3 states.

German American Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 897 banks with $1 billion – $10 billion. Among 88 banks headquartered in Indiana, it ranks 18th. Problem-loan coverage contributes the most (96/100, 2.2%); funding & liquidity contributes the least (46/100, 83% loans-to-deposits, 43% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Tier 1 leverage ratio: 11.19%
Loan quality85/100
Noncurrent loans ÷ total loans: 0.45%
Earnings91/100
Return on assets (annualized): 1.76%
Funding & liquidity46/100
Loans ÷ deposits and uninsured-deposit share: 83.0% · 42.8% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.17%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 7 points (68 → 75), mostly because the earnings component improved by 24 points.

TellerScore
687275Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202474
Q3 202475
Q4 202474
Q1 202568
Q2 202568
Q3 202571
Q4 202570
Q1 202673
Q2 202675
Tier 1 leverage ratio
5.00%8.14%11.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.78%
Q3 202411.29%
Q4 202411.12%
Q1 202511.16%
Q2 202510.51%
Q3 202510.80%
Q4 202510.61%
Q1 202611.04%
Q2 202611.19%
Noncurrent loans
0.18%0.34%0.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.18%
Q3 20240.24%
Q4 20240.27%
Q1 20250.33%
Q2 20250.44%
Q3 20250.41%
Q4 20250.50%
Q1 20260.50%
Q2 20260.45%
Return on assets
0.73%1.25%1.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.38%
Q3 20241.42%
Q4 20241.47%
Q1 20250.73%
Q2 20251.17%
Q3 20251.35%
Q4 20251.46%
Q1 20261.65%
Q2 20261.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$8.4B11.19%0.45%1.76%83.0%
Q1 202673$8.4B11.04%0.50%1.65%82.1%
Q4 202570$8.4B10.61%0.50%1.46%82.4%
Q3 202571$8.4B10.80%0.41%1.35%80.6%
Q2 202568$8.3B10.51%0.44%1.17%80.7%
Q1 202568$8.4B11.16%0.33%0.73%77.6%
Q4 202474$6.3B11.12%0.27%1.47%75.3%
Q3 202475$6.2B11.29%0.24%1.42%75.2%
Q2 202474$6.2B10.78%0.18%1.38%74.1%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.19%
64th
Total risk-based capital14.24%
57th
Problem loans0.45%
55th
Net charge-offs0.06%
39th
Return on assets1.76%
81st
Net interest margin4.29%
81st
Efficiency ratio48.5%
80th
Loans to deposits83.0%
61st
Uninsured deposits42.8%
21st
Loan-loss reserves1.34%
74th
Texas ratio2.2%
67th

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
1st Source BankBank South Bend, IN75 out of 100, Strong$9.3B13.7%0.99%vs
Lake City BankBank Warsaw, IN73 out of 100, Strong$7.2B11.9%0.36%vs
Horizon BankBank Michigan City, IN72 out of 100, Strong$6.5B10.5%0.70%vs
United Fidelity Bank, fsbBank Evansville, IN64 out of 100, Moderate$6.5B10.2%0.49%vs
First Financial Bank, National AssociationBank Terre Haute, IN68 out of 100, Moderate$6.2B10.4%0.61%vs
First Internet Bank of IndianaBank Fishers, IN42 out of 100, Below average$5.5B7.6%1.56%vs

Deposit insurance

Is my money safe at German American Bank?

Yes. German American Bank is an FDIC-insured institution (FDIC certificate #17393). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 42.8% of deposits ($3.0B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.19%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.24% (benchmark: 10%).

Check how much of your own balance is covered

96 locations

Branches

German American Bank lists 89 offices in 61 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, German American Bank reported 4,978 home-loan applications under HMDA (LEI 5493002JDOI3GTNVUD76): 3,698 originated ($823,480,000 total), 778 denied, and 443 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
German American Bank
Former names
The German American Bank; German American Bancorp
Type
State-chartered bank
FDIC certificate #
17393
RSSD ID
37640
Primary regulator
FDIC
Holding company
German American Bcorp Inc
Established
November 10, 1910
Headquarters
711 Main St, Jasper, IN 47546
Employees
1,003

Quick answers

German American Bank: common questions

Is German American Bank FDIC insured?

Yes. German American Bank is an FDIC-insured institution (FDIC certificate #17393). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is German American Bank's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has German American Bank ever failed?

There is no failure record for FDIC certificate #17393 in the FDIC failed bank list.

How many branches does German American Bank have?

96 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Jasper

InstitutionScoreAssetsCapitalProblem loansCompare
Freedom BankBank Huntingburg, IN82 out of 100, Strong$585.7M12.6%0.23%vs
Springs Valley Bank & Trust CompanyBank French Lick, IN81 out of 100, Strong$675.3M12.5%0.14%vs
Origins Credit UnionCredit union Indianapolis, IN79 out of 100, Strong$43.7M16.3%0.25%vs
Dubois-Pike Federal Credit UnionCredit union Jasper, IN72 out of 100, Strong$48.9M10.2%0.34%vs
Crane Credit UnionCredit union Odon, IN69 out of 100, Moderate$1.2B12.8%1.69%vs
LNB Community BankBank Lynnville, IN69 out of 100, Moderate$181.0M9.4%0.23%vs