No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.43B | $7.06B | $5.86B | $1.16B | $74.0M | 1.76% | 4.29% | 0.32% |
| Q1 2026 | $8.37B | $7.05B | $5.79B | $1.12B | $34.6M | 1.65% | 4.24% | 0.35% |
| Q4 2025 | $8.38B | $7.05B | $5.81B | $1.12B | $121.6M | 1.46% | 4.02% | 0.35% |
| Q3 2025 | $8.39B | $7.08B | $5.71B | $1.10B | $84.3M | 1.35% | 3.94% | 0.28% |
| Q2 2025 | $8.26B | $7.03B | $5.68B | $1.07B | $48.5M | 1.17% | 3.83% | 0.30% |
| Q1 2025 | $8.41B | $7.19B | $5.58B | $1.03B | $15.1M | 0.73% | 3.62% | 0.22% |
| Q4 2024 | $6.29B | $5.43B | $4.09B | $674.9M | $90.9M | 1.47% | 3.48% | 0.18% |
| Q3 2024 | $6.25B | $5.36B | $4.03B | $715.1M | $65.8M | 1.42% | 3.42% | 0.16% |
Loan mix (Q2 2026): real estate $5.01B · commercial $666.9M · consumer $62.9M · securities $1.68B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | German American Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.76% | 1.26% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 12.2% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.5% | 59.0% | 20th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | German American Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | German American Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | German American Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | German American Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.