BlastPoint's Banking Scorecard

German American Bank

$1B-$10B Specialty: Commercial IN FDIC cert 17393

Jasper, IN

97 branches across IN · KY · OH

884 banks in the $1B-$10B peer group nationally 17 in IN

German American Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 15.8% in tier
+ Net Interest Margin 0.42% above tier average
+ Efficiency Ratio 10.81% below tier average
+ Delinquency Rate 0.38% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 19.0% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$8.4B -0.5% YoY -0.1% QoQ	+$5.6B	$2.8B -0.1% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	Top 3.8% in tier
Total Loans ?	$5.8B +3.7% YoY -0.3% QoQ	+$3.8B	$2.0B +0.6% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	Top 4.1% in tier
Total Deposits ?	$7.0B -2.1% YoY -0.0% QoQ	+$4.7B	$2.3B -0.3% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	Top 3.3% in tier
Return on Assets ?	1.65% +127.7% YoY +13.5% QoQ	+0.29%	1.37% +19.6% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	78%
Net Interest Margin ?	4.24% +17.2% YoY +5.4% QoQ	+0.42%	3.82% +6.9% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	81%
Efficiency Ratio ?	50.25% -12.0% YoY -0.8% QoQ	-10.81%	61.06% -4.6% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	78%
Delinquency Rate ?	0.51% +53.4% YoY +0.8% QoQ	-0.38%	0.89% +14.1% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	53%
Loan-to-Deposit Ratio ?	82.13% +5.9% YoY -0.3% QoQ	-2.07%	84.20% +0.3% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	61%
Non-Interest-Bearing Deposit Share ?	27.39% +4.1% YoY -0.9% QoQ	+6.10%	21.29% -2.5% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	77%
Nonperforming Asset Ratio ?	0.35% +59.5% YoY +0.3% QoQ	-0.32%	0.67% +15.6% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	57%
Tier 1 Capital Ratio ?	13.11% +4.4% YoY +1.5% QoQ	-2.05%	15.16% +2.0% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.21% +16.6% YoY -74.1% QoQ	-0.05%	0.26% +1.6% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	73%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#36 of 221 • Top 15.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.65%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Credit Risk Growth

risk

#81 of 420 • Bottom 19.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (7 metrics)

Total Deposits

size

Value: $7.05B

Peer Median: $2.34B

#30 of 884 Top 3.3% in $1B-$10B

Total Assets

size

Value: $8.37B

Peer Median: $2.82B

#35 of 884 Top 3.8% in $1B-$10B

Total Loans

size

Value: $5.79B

Peer Median: $1.96B

#37 of 884 Top 4.1% in $1B-$10B

172

Net Interest Margin

profitability

Value: 4.24%

Peer Median: 3.82%

#172 of 884 Top 19.3% in $1B-$10B

193

Return on Assets

profitability

Value: 1.65%

Peer Median: 1.37%

#193 of 884 Top 21.7% in $1B-$10B

193

Efficiency Ratio

profitability

Value: 50.25%

Peer Median: 61.06%

#193 of 884 Top 21.7% in $1B-$10B

200

Non-Interest-Bearing Deposit Share

funding

Value: 27.39%

Peer Median: 21.29%

#200 of 884 Top 22.5% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available