BlastPoint's Banking Scorecard

German American Bank

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

Jasper, IN

96 branches across IN · KY · OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in IN.
Deposits +0.4% year over year ($7.1B on the books).
Delinquency rate 0.46%.
Return on assets 1.76%.
Efficiency ratio 48.48% vs a 59.73% peer average.
Loan-to-deposit ratio 82.95% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in IN

View $1B-$10B leaderboard (IN) →

German American Bank has 4 strengths but faces 2 concerns

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 22.1% in tier
+ Net Interest Margin 0.42% above tier average
+ Efficiency Ratio 11.24% below tier average
+ Delinquency Rate 0.41% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 5.2% in tier
- Credit Quality Pressure: Bottom 18.1% in tier

Get updates when German American Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$8.4B +2.0% YoY +0.7% QoQ	+$5.6B	$2.8B -0.6% YoY	$2.5B +3.7% YoY	$6.3B +7.7% YoY	Top 3.5% in tier
Total Loans ?	$5.9B +3.2% YoY +1.3% QoQ	+$3.9B	$2.0B -0.3% YoY	$1.8B +5.7% YoY	$3.2B +9.4% YoY	Top 3.7% in tier
Total Deposits ?	$7.1B +0.4% YoY +0.2% QoQ	+$4.7B	$2.3B -0.5% YoY	$2.0B +3.4% YoY	$4.9B +7.3% YoY	Top 3.1% in tier
Return on Assets ?	1.76% +51.3% YoY +6.6% QoQ	+0.37%	1.39% +17.0% YoY	1.07% +3.3% YoY	1.30% +12.1% YoY	81%
Net Interest Margin ?	4.29% +12.1% YoY +1.2% QoQ	+0.42%	3.87% +6.2% YoY	3.70% +8.1% YoY	3.95% +4.9% YoY	81%
Efficiency Ratio ?	48.48% -9.0% YoY -3.5% QoQ	-11.24%	59.73% -12.6% YoY	77.20% +13.2% YoY	70.05% +2.5% YoY	81%
Delinquency Rate ?	0.46% +3.7% YoY -10.3% QoQ	-0.41%	0.87% +11.7% YoY	0.91% +27.8% YoY	0.98% +16.3% YoY	56%
Loan-to-Deposit Ratio ?	82.95% +2.8% YoY +1.0% QoQ	-2.08%	85.04% -0.1% YoY	81.91% +1.2% YoY	79.03% +2.3% YoY	61%
Non-Interest-Bearing Deposit Share ?	27.91% +3.3% YoY +1.9% QoQ	+6.63%	21.27% -1.5% YoY	16.57% -2.9% YoY	21.98% -0.6% YoY	79%
Nonperforming Asset Ratio ?	0.32% +4.7% YoY -9.8% QoQ	-0.36%	0.67% +11.7% YoY	0.69% +42.1% YoY	0.69% +15.8% YoY	60%
Tier 1 Capital Ratio ?	13.31% +2.2% YoY +1.5% QoQ	-1.53%	14.84% -0.4% YoY	16.20% +1.2% YoY	17.09% +0.8% YoY	53%
Non-Interest Income / Assets ?	0.43% +11.6% YoY +107.5% QoQ	-0.10%	0.53% +2.5% YoY	1.78% -1.3% YoY	0.66% +5.2% YoY	73%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Noninterest-Bearing	27.9% +0.9pp YoY +0.5pp QoQ	+6.5pp	21.4%	16.8%	22.2%	79%
Brokered Deposits	0.3% -0.8pp YoY -0.1pp QoQ	-9.2pp	9.5%	7.2%	8.5%	8%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
C&I	11.4% -0.4pp YoY -0.3pp QoQ	-2.6pp	14.0%	11.1%	12.5%	51%
CRE	51.8% +0.7pp YoY +0.5pp QoQ	+1.8pp	50.0%	36.2%	41.4%	56%
1-4 Family	26.9% 0.0pp YoY -0.2pp QoQ	+0.5pp	26.4%	40.0%	31.3%	59%
Consumer	1.1% -0.2pp YoY 0.0pp QoQ	-3.6pp	4.7%	3.2%	5.0%	47%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
CET1 Ratio	13.3% +0.3pp YoY +0.2pp QoQ	-2.3pp	15.6%	17.5%	19.7%	46%
Leverage Ratio	11.2% +0.7pp YoY +0.1pp QoQ	-0.1pp	11.3%	13.0%	12.6%	63%
Total Capital Ratio	14.2% +0.3pp YoY +0.2pp QoQ	-2.5pp	16.7%	18.7%	20.8%	43%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Full-Time Employees	1,003 +10 (+1.0%) YoY +24 (+2.5%) QoQ	+689	313	237	482	98%
Assets per Employee ($)	$8.4M +1.0% YoY -1.7% QoQ	-$2.1M	$10.5M	$7.5M	$8.8M	46%
Branch Count	96 +3 (+3.2%) YoY 0 QoQ	+76	20	17	18	99%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY	-0.2pp	0.2%	0.2%	0.4%	1%
Nonaccrual	0.5% +0.1pp YoY -0.1pp QoQ	-0.4pp	0.8%	0.8%	1.0%	45%
Allowance Coverage	2.96x -1.8% YoY +11.3% QoQ	-15.75x	18.71x	6.71x	20.23x	63%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	59%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
ROE	13.1% +3.2pp YoY +0.7pp QoQ	+0.5pp	12.6%	11.2%	11.6%	58%
Cost of Funds (YTD)	1.4% -0.2pp YoY 0.0pp QoQ	-0.5pp	1.9%	1.8%	1.7%	17%
Net Income ($, YTD)	$74.0M +52.7% YoY — QoQ	+$54.8M	$19.2M	$16.3M	$40.4M	97%

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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

#50 of 222 • Top 22.1% in tier

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

Why this signature

Return on Assets: 1.76%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (2)

Credit Risk Growth

risk

#22 of 402 • Bottom 5.2% in tier

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

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#90 of 492 • Bottom 18.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.46%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 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 885 peers in $1B-$10B

Top Strengths (7 metrics)

Total Deposits

size

Value: $7.06B

Peer Median: $2.32B

#28 of 885 Top 3.1% in $1B-$10B

Total Assets

size

Value: $8.43B

Peer Median: $2.79B

#32 of 885 Top 3.5% in $1B-$10B

Total Loans

size

Value: $5.86B

Peer Median: $1.96B

#34 of 885 Top 3.7% in $1B-$10B

170

Return on Assets

profitability

Value: 1.76%

Peer Median: 1.39%

#170 of 885 Top 19.1% in $1B-$10B

170

Efficiency Ratio

profitability

Value: 48.48%

Peer Median: 59.73%

#170 of 885 Top 19.1% in $1B-$10B

172

Net Interest Margin

profitability

Value: 4.29%

Peer Median: 3.87%

#172 of 885 Top 19.3% in $1B-$10B

183

Non-Interest-Bearing Deposit Share

funding

Value: 27.91%

Peer Median: 21.27%

#183 of 885 Top 20.6% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available