GERMAN AMERICAN BANCORP, INC.

Listed Company

GABCCIK 0000714395NasdaqLarge AcceleratedState Commercial BanksIndianaFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$112.64M

Total Assets

$8.39B

Equity

$1.16B

Shares Out

37.56M

Op. Cash Flow

$159.32M

+ 13F Filer

GABC$48.59+19.18% · past yearDBEQ Basic

Daily closing prices

Business

German American Bancorp, Inc. is a financial holding company operating 94 banking offices in Indiana, Kentucky, and Ohio through its subsidiary German American Bank, under the Heartland Bank brand in Columbus and Cincinnati. The company provides retail and commercial banking, including consumer, commercial, agricultural and residential mortgage lending, and wealth management services including trust, investment advisory, brokerage and retirement planning. Geographic footprint spans central and southern Indiana, northern and central Kentucky, and central and southwestern Ohio.

Summary from 10-K filed 2026-02-27

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Interest and Fees on Loans	359	240	213	169	139
Interest on Federal Funds Sold and Other Short-term Investments	11	8	2	6	488,000
Taxable	37	27	21	20	13
Non-taxable	14	17	22	24	18
TOTAL INTEREST INCOME	420	291	257	219	170
Interest on Deposits	115	91	57	14	5
Interest on FHLB Advances and Other Borrowings	11	10	9	5	5
TOTAL INTEREST EXPENSE	126	100	66	18	—
NET INTEREST INCOME	294	191	190	201	161
Provision for Credit Losses	19	3	3	6	−7
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	275	188	188	194	167
Company Owned Life Insurance	3	2	2	2	2
Sale of Assets of German American Insurance	0	38	0	0	—
Other Operating Income	9	5	6	5	7
Net Gains on Sales of Loans	5	3	2	4	8
Net Gains (Losses) on Securities	0	−35	40,000	562,000	2
TOTAL NON-INTEREST INCOME	67	63	60	59	59
Salaries and Employee Benefits	108	82	83	84	69
Occupancy, Furniture and Equipment Expense	20	15	14	15	11
FDIC Premiums	4	3	3	2	1
Data Processing Fees	18	12	11	15	8
Professional Fees	10	8	6	6	5
Advertising and Promotion	5	4	5	4	4
Intangible Amortization	10	2	3	4	3
Other Operating Expenses	27	20	20	23	20
TOTAL NON-INTEREST EXPENSE	202	146	144	154	124
Income before Income Taxes	140	104	104	—	—
Income Tax Expense	27	20	18	17	19
NET INCOME	113	84	86	82	84
Basic earnings per share (in dollars per share)	3.06	2.83	2.91	2.78	3.17
Diluted earnings per share (in dollars per share)	3.06	2.83	2.91	2.78	3.17

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and Due from Banks	71	69	79	75	47
Federal Funds Sold and Other Short-term Investments	47	120	37	42	350
Cash and Cash Equivalents	118	189	115	117	397
Interest-bearing Time Deposits with Banks	500,000	500,000	500,000	500,000	745,000
Securities Available-for-Sale, at Fair Value (Amortized Cost $1,865,732 for December 31, 2025; Amortized Cost $1,796,040 for December 31, 2024; No Allowance for Credit Losses)	1,657	1,517	1,597	1,762	1,890
Other Investments	353,000	353,000	353,000	353,000	353,000
Loans Held-for-Sale, at Fair Value	8	8	5	9	11
Loans	5,884	4,133	3,978	3,789	—
Less: Unearned Income	−9	−8	−7	−4	−4
Allowance for Credit Losses	−78	−44	−44	−44	−37
Loans, Net	5,797	4,080	3,927	3,741	2,967
Stock in FHLB of Indianapolis and Other Restricted Stock, at Cost	18	14	15	15	13
Premises, Furniture and Equipment, Net	139	104	107	112	89
Other Real Estate	68,000	0	0	0	0
Goodwill	375	179	180	180	122
Intangible Assets	34	4	6	9	6
Company Owned Life Insurance	110	87	86	84	70
Accrued Interest Receivable and Other Assets	131	112	113	126	44
TOTAL ASSETS	8,389	6,296	6,152	6,156	5,609
Non-interest-bearing Demand Deposits	1,945	1,399	1,493	1,692	1,529
Interest-bearing Demand, Savings, and Money Market Accounts	3,755	3,013	2,993	3,230	2,868
Time Deposits	1,290	917	767	428	347
Total Deposits	6,990	5,329	5,253	5,350	4,744
FHLB Advances and Other Borrowings	183	210	194	204	152
Accrued Interest Payable and Other Liabilities	54	42	42	44	44
TOTAL LIABILITIES	7,226	5,581	5,489	5,598	4,940
Commitments and Contingencies (See Note 15)	—	—	—	—	—
Common Stock, no par value, $1 stated value; 45,000,000 shares authorized	37	30	30	29	27
Additional Paid-in Capital	707	392	389	387	276
Retained Earnings	583	514	462	405	350
Accumulated Other Comprehensive Income (Loss)	−165	−220	−217	−263	15
TOTAL SHAREHOLDERS EQUITY	1,162	715	664	558	668
TOTAL LIABILITIES AND SHAREHOLDERS EQUITY	8,389	6,296	6,152	6,156	5,609
End of period shares issued (in shares)	37	30	30	29	27
End of period shares outstanding (in shares)	37	30	30	29	27

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Net Amortization on Securities	−2	2	6	6	7
Depreciation and Amortization	19	9	10	10	9
Loans Originated for Sale	−171	−135	−107	−163	−262
Proceeds from Sales of Loans Held-for-Sale	176	135	113	172	276
Loss (Gain) on Securities, net	0	35	−40,000	−562,000	−2
Gain on Sales of Other Real Estate and Repossessed Assets	31,000	−37,000	−83,000	−18,000	−101,000
Loss (Gain) on Disposition and Donation of Premises and Equipment	−36,000	11,000	−547,000	−37,000	2
Gain on Debt Extinguishment	−692,000	0	0	—	—
Loss (Gain) on Disposition of Land	−45,000	0	−83,000	0	—
Increase in Cash Surrender Value of Company Owned Life Insurance	−2	−870,000	−2	−2	−1
Equity Based Compensation	3	3	2	2	2
Sale of Assets of German American Insurance	0	−37	0	0	—
Interest Receivable and Other Assets	7	2	4	−1	3
Interest Payable and Other Liabilities	2	−1	−3	2	−1
Net Cash from Operating Activities	159	96	107	110	101
Proceeds from Maturities, Calls and Redemptions of Securities Available-for-Sale	566	356	287	143	208
Proceeds from Sales of Securities Available-for-Sale	207	404	114	145	111
Purchase of Securities Available-for-Sale	−620	−722	−183	−418	−1,021
Proceeds from Redemption of Federal Home Loan Bank Stock	4	264,000	350,000	8	120,000
Purchase of Loans	0	0	−2	−933,000	0
Proceeds from Sales of Loans Held for Investment	2	0	0	4	0
Loans Made to Customers, net of Payments Received	−236	−156	−188	−107	60
Proceeds from Sales of Other Real Estate	17,000	70,000	108,000	88,000	1
Property and Equipment Expenditures	−5	−5	−6	−8	−5
Proceeds from Sale of Land and Building	75,000	0	4	0	2
Proceeds from Sale of German American Insurance Assets	0	40	0	0	—
Acquisition of Heartland Bancorp	23	0	0	208	0
Net Cash from Investing Activities	−60	−82	27	−24	−640
Change in Deposits	−70	76	−97	−325	655
Change in Short-term Borrowings	−17	−9	−35	30	15
Advances in Long-term Debt	25	75	25	0	0
Repayments of Long-term Debt	−64	−50	−132,000	−42	−58
Dividends Paid	−43	−32	−29	−27	−22
Net Cash from Financing Activities	−169	60	−137	−364	591
Net Change in Cash and Cash Equivalents	−70	73	−2	−278	51
Interest	124	99	61	17	10
Income Taxes	19	18	15	12	14
Loans Transferred to Other Real Estate	116,000	0	0	30,000	0
Reclass of Land & Buildings to Other Assets	0	0	691,000	0	0
Interest Rate Swap Fair Value Activity	−2	−992,000	−2	5	−4

Filings

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Insiders

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Holdings (13F)

Portfolio as of 2026-03-31 · 199 positions

Reported AUM

$1.16B

Holdings

199

Top sector

$1.16B

Top sectors

Sector	Value	% of portfolio
Uncategorized	$1.16B	100.0%

Top holdings

Issuer	Ticker	Shares	Value	%
ISHARES TR	—	1.67M	$114.61M	9.8%
ISHARES TR	—	885.2K	$94.44M	8.1%
ISHARES TR	—	959.3K	$93.27M	8.0%
ISHARES TR	—	217.6K	$53.97M	4.6%
ALPHABET INC	—	163.4K	$47.00M	4.0%
APPLE INC	—	185.2K	$47.00M	4.0%
NVIDIA CORPORATION	—	269.1K	$46.94M	4.0%
MICROSOFT CORP	—	111.4K	$41.24M	3.5%
GERMAN AMERN BANCORP INC	—	966.9K	$40.41M	3.5%
ISHARES TR	—	56.4K	$36.87M	3.2%

Frequently asked questions

What is GERMAN AMERICAN BANCORP, INC.'s CIK number?

GERMAN AMERICAN BANCORP, INC.'s SEC CIK number is 0000714395 (714395). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find GERMAN AMERICAN BANCORP, INC.'s SEC filings?

All of GERMAN AMERICAN BANCORP, INC.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did GERMAN AMERICAN BANCORP, INC. last report earnings?

GERMAN AMERICAN BANCORP, INC. (GABC) most recently filed an earnings 8-K with the SEC on Apr 27, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0000714395-26-000016). This is GERMAN AMERICAN BANCORP, INC.'s most recent earnings filing of record — not a forecast of its next earnings date.

What is GERMAN AMERICAN BANCORP, INC.'s most recent earnings 8-K?

GERMAN AMERICAN BANCORP, INC.'s latest earnings 8-K (Item 2.02) was filed Apr 27, 2026 under accession 0000714395-26-000016. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

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